Bank · complaint record
Xapo complaints
Filed under Xapo, Inc.
Consumers have filed 2 complaints about Xapo since 2018, none in the last 12 months. It answered 50% on time and closed 0% with relief for the customer. The most common problem is fraud or scam.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 2
- Last 12 months
- 0
- Answered on time
- 50%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since February 2018
new vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Feb 26, 2020
Xapo complaints by month
The busiest month was February 2018 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Xapo answered all time
- Closed with explanation2100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Xapo complaints are about
Top Xapo problems
Xapo 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 | XapoBank accounts | - | 0 | - |
Compare side by side: Xapo vs Bancfirst · Xapo vs Banner · Xapo vs Customers Bancorp · Xapo vs RBC Bank
What people say about Xapo
All experiencesNo experiences with Xapo yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Xapo complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Feb 26, 2020 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Feb 23, 2018 | Money transfers & apps | Fraud or scam | Explained |
Questions about Xapo
How many complaints does Xapo have?
Xapo has 2 complaints on record since February 2018, including 0 in the last 12 months and 0 in the last 30 days.
Does Xapo respond to complaints?
Yes. Xapo answered 50% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Xapo?
The most common problems are fraud or scam (1), managing an account (1).
Is Xapo legit?
Xapo is a real company with a public complaint record: consumers have complained about it 2 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Xapo legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Xapo?
Complain to Xapo 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 Xapo complaints come from?
Most come from California (2). 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
Talk about Xapo
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