Navy Federal Credit Union experienced a 54% increase incomplaints to the CFPB versus the same three-month period lastyear, according to the bureau's November complaint report.

Based on consumer complaints the CFPB sent to companies forresponse between June and August 2015, Navy Federal came in atnumber 14, with an average of 26 complaints — a 54% increase versusthe same three-month period in 2014. The credit union ranked thirdin terms of largest percent increase in complaints over last year,the CFPB said. Navy Federal did not respond to a request forcomment.

Bank of America took the top spot as the most complained-aboutfinancial institution, with a three-month average of 284complaints. Wells Fargo was number two, with an average of 216complaints, followed by JPMorgan Chase, PNC Bank, U.S. Bancorp,Citibank, SunTrust Bank, TD Bank, Capital One, Regions, BB&TFinancial, RBS Citizens and USAA Savings.

For all institutions, account management was by far the mostcommon type of complaint (44%), followed by and deposits andwithdrawals (25%), according to the report. About 13% of consumerscomplained about sending or receiving payments, 10% complainedabout problems caused by low funds and 7% complained about using a debit or ATM card.

“In terms of issues with account management, some consumerscomplained they were denied the ability to open an account, andwere often uncertain as to why a company refused to open anaccount,” the report said. “Consumers also raised concerns aboutissues experienced at the time of the account opening concerningeligibility for bonuses, account features, and promotions forspecific products.”

The report said consumers also frequently complained aboutfinancial institutions that closed their accounts withoutexplanation. The CFPB also noted complaints about difficultiesopening accounts, problems resolving disputed transactions, account holds and overdraft fees.

“Some consumers mistakenly thought by not opting-in to overdraftprotection for ATM withdrawals and debit card transactions(allowing the consumer to use overdraft protection for thesetransactions, subject to a fee) they would not be subject tooverdraft fees for other transactions. Consumers also expressedconcern that the posting order of transactions often increases thenumber of overdraft fees imposed,” the report said.

North Dakota (600%), Arkansas (200%) and Alaska (167%)experienced the greatest percentage increases in bank account orservice complaints from August through October 2014 to Augustthrough October 2015. Hawaii (-52%), Wyoming (-40%) and RhodeIsland (-18%) experienced the biggest percentage decreases,according to the report.

Though the CFPB's complaints database only includes complaintsregarding providers with more than $10 billion in assets, theagency said it has handled approximately 75,300 bank account orservice complaints since March 1, 2012. They represented about 10%of all the complaints the CFPB has received, it said.