Bank · complaint record
Relay Financial complaints
Filed under Relay Financial (US), Corp.
Consumers have filed 376 complaints about Relay Financial since 2023, 225 of them in the last 12 months (+145% on the year before). It answered 81.8% on time and closed 4% with relief for the customer - less often than a typical bank. The most common problem is managing an account. It is the 36th most complained-about of 188 banks & credit unions this year.
Poor response record. How it works
- Complaints on record
- 376
- Last 12 months
- 225
- Answered on time
- 81.8%
- Closed with relief
- 4%
- Last 30 days
- 6
- Rank
- #36 of 188
Since April 2023
+145% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Oct 31, 2026
Most complained-about banks & credit unions
Relay Financial complaints by month
The busiest month was June 2026 (33 complaints). Complaints in the last 12 months are up 145% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Relay Financial answered last 12 months
- Closed with monetary relief83.6%
- Closed with explanation19586.7%
- In progress229.8%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4581.8% on time
- Relief for customers4/403.9% closed with relief
- Complaint trend0/15+145% vs last year
What Relay Financial complaints are about
Top Relay Financial problems last 12 months
Inside "Managing an account"
- Deposits and withdrawals 109
- Funds not handled or disbursed as instructed 20
- Problem using a debit or ATM card 20
- Problem accessing account 11
- Problem making or receiving payments 10
- Banking errors 9
Where Relay Financial complaints come from
Most complaints: Florida (55), California (39), Texas (35), Arizona (20), New York (17).
Relay Financial compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Golden 1 Credit UnionBank accounts | 50 | 267 | C |
| 2 | Optum BankBank accounts | 53 | 256 | C |
| 3 | Webster BankBank accounts | 54 | 249 | C |
| 4 | First Horizon BankBank accounts | 73 | 240 | B |
| 5 | Relay FinancialBank accounts | 4 | 225 | F |
| 6 | FourLeaf Federal Credit UnionBank accounts | 53 | 214 | C |
| 7 | Branch MessengerBank accounts | 48 | 205 | D |
| 8 | Banco Popular de Puerto RicoBank accounts | 61 | 204 | C |
Compare side by side: Relay Financial vs Golden 1 Credit Union · Relay Financial vs Optum Bank · Relay Financial vs Webster Bank · Relay Financial vs First Horizon Bank
What people say about Relay Financial
All experiencesNo experiences with Relay Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Relay Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 31, 2026 | Bank accounts | Closing an accountFunds not received from closed account | In progress |
| Oct 30, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | In progress |
| Oct 27, 2026 | Bank accounts | Closing an accountFunds not received from closed account | In progress |
| Oct 25, 2026 | Bank accounts | Closing an accountFunds not received from closed account | In progress |
| Oct 22, 2026 | Money transfers & apps | Other transaction problem | In progress |
| Oct 20, 2026 | Bank accounts | Closing an accountFunds not received from closed account | In progress |
| Oct 15, 2026 | Bank accounts | Closing an accountFunds not received from closed account | In progress |
| Oct 10, 2026 | Bank accounts | Closing an accountFunds not received from closed account | In progress |
| Oct 9, 2026 | Bank accounts | Closing an accountFunds not received from closed account | In progress |
| Oct 8, 2026 | Bank accounts | Managing an accountFunds not handled or disbursed as instructed | In progress |
| Oct 7, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | In progress |
| Sep 25, 2026 | Bank accounts | Opening an accountDidn't receive terms that were advertised | In progress |
Questions about Relay Financial
How many complaints does Relay Financial have?
Relay Financial has 376 complaints on record since April 2023, including 225 in the last 12 months and 6 in the last 30 days. That makes it number 312 of every company by complaints this year.
Does Relay Financial respond to complaints?
Yes. Relay Financial answered 81.8% of its complaints on time (within 15 days) and closed 4% with relief - money back or a fix; 3.9% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 4/100 (grade F).
What do people complain about most with Relay Financial?
The most common problems are managing an account (181), closing an account (128), opening an account (19).
Is Relay Financial legit?
Relay Financial is a real company with a public complaint record: consumers have complained about it 376 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Relay Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about Relay Financial going up or down?
Up. There were 225 complaints in the last 12 months against 92 in the 12 before (+145%). See every month.
How do I file a complaint against Relay Financial?
Complain to Relay Financial 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 Relay Financial complaints come from?
Most come from Florida (55), California (39), Texas (35). 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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