Total CFPB complaints
12
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 12 complaints
E*TRADE BANK — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about E*TRADE BANK
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
2 complaints
- False statements or representation
False statements or representation
2 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
B
Grade B · 68.2/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about E*TRADE BANK?
E*TRADE BANK has accumulated 12 total CFPB complaints across 8 states, with 0 filed in the most recent 12 months against 12 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Improper contact or sharing of info", narrowing to "Talked to a third party about my debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 75% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 8 states, led by California with 5 and North Carolina with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 68.2/100 places E*TRADE BANK in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
8
Distinct state filings
Timely response rate
75%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
68.2/100 composite
Response-quality profile
How E*TRADE BANK performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 75.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does E*TRADE BANK compare to its peers?
E*TRADE BANK National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2014-04 2021-07
Top Consumer Issues
Improper contact or sharing of info2 (%)
False statements or representation2 (%)
Attempts to collect debt not owed3 (%)
Communication tactics1 (%)
Disclosure verification of debt1 (%)
Cont'd attempts collect debt not owed2 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: Improper contact or sharing of info — Talked to a third party about my debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Improper contact or sharing of info | Talked to a third party about my debt | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Communication tactics | Called after sent written cease of comm | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
Where do complaints against E*TRADE BANK come from?
The states where consumers have filed the most CFPB complaints against E*TRADE BANK. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against E*TRADE BANK
Across 8 states with at least one filing
- California
California
5 complaints
- North Carolina 1
North Carolina
1 complaints
- Tennessee 1
Tennessee
1 complaints
- Texas 1
Texas
1 complaints
- Virginia 1
Virginia
1 complaints
- Oklahoma 1
Oklahoma
1 complaints
- Ohio 1
Ohio
1 complaints
- Massachusetts 1
Massachusetts
1 complaints
Frequently Asked Questions
What is the most common complaint against E*TRADE BANK? ▼
The most common issue consumers report about E*TRADE BANK is "Improper contact or sharing of info", specifically "Talked to a third party about my debt". This is based on 12 complaints filed with the CFPB.
Are complaints against E*TRADE BANK increasing or decreasing? ▼
Complaints against E*TRADE BANK have been stable. The company received 0 complaints in the last 12 months.
What is E*TRADE BANK's reputation grade? ▼
E*TRADE BANK has a reputation grade of B (score: 68.2/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does E*TRADE BANK respond to consumer complaints? ▼
E*TRADE BANK has a 75% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does E*TRADE BANK operate? ▼
E*TRADE BANK has received CFPB complaints from consumers in 8 states, with the most complaints from California (5 complaints).
What can I do if E*TRADE BANK is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If E*TRADE BANK violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |