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Bank accounts

Problem caused by your funds being low

Consumers have filed 31,263 complaints about this, 4,948 in the last 12 months (-58%), against 322 companies. The most complained-about is Wells Fargo. Companies closed 24% of these with relief.

Companies with the most

Last 12 months.

In more detail

  • Overdrafts and overdraft fees21,75970%
  • Non-sufficient funds and associated fees5,48518%
  • Bounced checks or returned payments2,0306%
  • Late or other fees1,9896%

By month

By state

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Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 12, 2026Navy Federal Credit UnionBank accountsProblem caused by your funds being lowOverdrafts and overdraft feesVAIn progressYes
Nov 12, 2026Santander Holdings USABank accountsProblem caused by your funds being lowNon-sufficient funds and associated feesMAIn progressYes
Nov 10, 2026BlockBank accountsProblem caused by your funds being lowNon-sufficient funds and associated feesKYExplainedYes
Nov 10, 2026Wells FargoBank accountsProblem caused by your funds being lowLate or other feesNJMoney backYes
Nov 10, 2026PNC BankBank accountsProblem caused by your funds being lowOverdrafts and overdraft feesMDIn progressYes
Nov 10, 2026PNC BankBank accountsProblem caused by your funds being lowLate or other feesLAIn progressYes
Nov 9, 2026Navy Federal Credit UnionBank accountsProblem caused by your funds being lowLate or other feesTXIn progressYes
Nov 8, 2026Wells FargoBank accountsProblem caused by your funds being lowLate or other feesTXExplainedYes
Nov 8, 2026BlockBank accountsProblem caused by your funds being lowLate or other feesCAIn progressYes
Nov 7, 2026BlockBank accountsProblem caused by your funds being lowOverdrafts and overdraft feesMSExplainedYes
Nov 7, 2026PNC BankBank accountsProblem caused by your funds being lowOverdrafts and overdraft feesFLIn progressYes
Nov 7, 2026Wells FargoBank accountsProblem caused by your funds being lowOverdrafts and overdraft feesTXExplainedYes
Nov 6, 2026Wells FargoBank accountsProblem caused by your funds being lowOverdrafts and overdraft feesTXMoney backYes
Nov 6, 2026Bank of AmericaBank accountsProblem caused by your funds being lowOverdrafts and overdraft feesMAIn progressYes
Nov 6, 2026Navy Federal Credit UnionBank accountsProblem caused by your funds being lowOverdrafts and overdraft feesMSIn progressYes

Your rights with banks & credit unions

For electronic transfers and debit cards, Regulation E gives you 60 days from the statement to report an error or unauthorized transaction; the bank must investigate, generally within 10 business days or give provisional credit while it takes longer. Reporting a lost card quickly limits what you can lose. Deposits at insured banks are protected up to $250,000 by the FDIC (credit unions by the NCUA).

Scam warning: Banks do not ask you to move money to a "safe account", and a bank employee will not ask for your password or one-time code. If a caller says they are from your bank, hang up and call the number on your card.

General information, not legal advice; rules vary by state. Plain-English guides

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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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