Community Financial System, Inc. Consumer Complaints
Community Financial System, Inc. has received 200 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 200 total complaints on file with the CFPB.
- Most complaints are about Checking or savings account (116).
- Timely response rate: 98.0%.
- Consumer disputed rate: 0.0% of resolved complaints.
Complaints by Product
The following table shows how complaints against Community Financial System, Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Checking or savings account | 116 | 58.0% |
| Mortgage | 26 | 13.0% |
| Vehicle loan or lease | 19 | 9.5% |
| Credit reporting or other personal consumer reports | 16 | 8.0% |
| Credit reporting, credit repair services, or other personal consumer reports | 9 | 4.5% |
| Money transfer, virtual currency, or money service | 7 | 3.5% |
| Debt collection | 5 | 2.5% |
| Payday loan, title loan, personal loan, or advance loan | 2 | 1.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Community Financial System, Inc..
Company Response Breakdown
When consumers file complaints, Community Financial System, Inc. responds in one of several ways. The breakdown below shows how Community Financial System, Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 169 | 84.5% |
| Closed with monetary relief | 28 | 14% |
| In progress | 2 | 1% |
| Closed with non-monetary relief | 1 | 0.5% |
Complaints by State
Top states where consumers have filed complaints against Community Financial System, Inc..
| State | Complaints |
|---|---|
| New York | 106 |
| Pennsylvania | 43 |
| Vermont | 25 |
| Florida | 4 |
| North Carolina | 3 |
| California | 2 |
| Maryland | 2 |
| Maine | 2 |
| New Jersey | 2 |
| Ohio | 2 |
| Georgia | 1 |
| Illinois | 1 |
| Kentucky | 1 |
| Louisiana | 1 |
| Texas | 1 |
| Virginia | 1 |
Your Rights
What to do if you have a complaint against Community Financial System, Inc.
- Contact Community Financial System, Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
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How many complaints does Community Financial System, Inc. have?
Community Financial System, Inc. has 200 consumer complaints on file with the CFPB as of our last data refresh.
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What is the most common complaint about Community Financial System, Inc.?
The most common issue reported is Managing an account with 74 complaints.
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How do I file a complaint against Community Financial System, Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Community Financial System, Inc. respond to complaints on time?
Community Financial System, Inc. has a 98.0% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.