Bank · complaint record
Fold complaints
Filed under Fold, Inc.
Consumers have filed 25 complaints about Fold since 2022, 9 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is managing an account.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 25
- Last 12 months
- 9
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #126 of 188
Since April 2022
new vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Oct 17, 2026
Most complained-about banks & credit unions
Fold complaints by month
The busiest month was November 2025 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Fold answered all time
- Closed with explanation25100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Fold complaints are about
Top Fold problems
Inside "Managing an account"
- Deposits and withdrawals 5
- Problem accessing account 3
- Banking errors 2
- Problem using a debit or ATM card 1
Where Fold complaints come from
Most complaints: California (6), New York (4), Oregon (3), Texas (3), Michigan (2).
Fold compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | BancfirstBank accounts | 49 | 28 | D |
| 2 | BannerBank accounts | 51 | 28 | C |
| 3 | Customers BancorpBank accounts | 57 | 28 | C |
| 4 | RBC BankBank accounts | 59 | 26 | C |
| 5 | TruebillBank accounts | 95 | 26 | A |
| 6 | City National BankBank accounts | 91 | 25 | A |
| 7 | FirstbankBank accounts | 69 | 25 | B |
| 8 | FoldBank accounts | - | 9 | - |
Compare side by side: Fold vs Bancfirst · Fold vs Banner · Fold vs Customers Bancorp · Fold vs RBC Bank
What people say about Fold
All experiencesNo experiences with Fold yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Fold complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 17, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Oct 5, 2026 | Prepaid & gift cards | Problem with a purchase or transferCard company isn't resolving a dispute about a purchase or transfer | Explained |
| Apr 2, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
| Feb 4, 2026 | Bank accounts | Managing an accountBanking errors | Explained |
| Jan 21, 2026 | Prepaid & gift cards | Problem with a purchase or transferCard company isn't resolving a dispute about a purchase or transfer | Explained |
| Dec 14, 2025 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Dec 11, 2025 | Bank accounts | Closing an accountCompany closed your account | Explained |
| Nov 29, 2025 | Bank accounts | Managing an accountProblem accessing account | Explained |
| Nov 28, 2025 | Prepaid & gift cards | Problem with a purchase or transferCard company isn't resolving a dispute about a purchase or transfer | Explained |
| Nov 13, 2025 | Prepaid & gift cards | Unexpected or other fees | Explained |
| Oct 10, 2025 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Oct 3, 2025 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
Questions about Fold
How many complaints does Fold have?
Fold has 25 complaints on record since April 2022, including 9 in the last 12 months and 1 in the last 30 days. That makes it number 1,516 of every company by complaints this year.
Does Fold respond to complaints?
Yes. Fold answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Fold?
The most common problems are managing an account (11), problem with a purchase or transfer (3), problem with a purchase shown on your statement (3).
Is Fold legit?
Fold is a real company with a public complaint record: consumers have complained about it 25 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Fold legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Fold?
Complain to Fold in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Fold complaints come from?
Most come from California (6), New York (4), Oregon (3). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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