2015 Temkin Forgiveness Ratings

Rank Company Industry Temkin Forgiveness Ratings (TFR) Company TFR vs Industry TFR
1USAA Credit cards61%30
2USAA Insurance60%25
2USAA Bank60%24
4ACE Rent A Car Car rentals57%23
5Amazon.com Retailer55%14
5Publix Supermarket55%8
7Apple Computers53%12
7Amazon Computers53%12
7Aldi Supermarket53%6
7H-E-B Supermarket53%6
11A credit union Bank52%16
11Hy-Vee Supermarket52%5
13Home Depot Retailer50%9
13Sony Computers50%9
13Kroger Supermarket50%3
13Food Lion Supermarket50%3
13Trader Joe's Supermarket50%2
18TriCare Health plan49%22
18Amica Insurance49%14
18Chick-fil-A Fast food49%11
18Costco Retailer49%8
22Lexus Auto dealer48%12
22Nordstrom Retailer48%7
24Southern California Gas Company Utility47%16
24SunTrust Bank Bank47%11
24T.J. Maxx Retailer47%6
24Foot Locker Retailer47%6
28JetBlue Airlines Airline46%13
28Advantage Rent-A-Car Car rentals46%11
28Electrolux Appliances46%10
28Walgreens Retailer46%5
28Ross Retailer46%5
28Victoria Secret Retailer46%5
34Ameriprise Financial Investments45%11
34Popeye's Louisiana Kitchen Fast food45%7
34Family Dollar Retailer45%4
34Barnes & Noble Retailer45%4
34Whole Foods Supermarket45%-2
34Safeway Supermarket45%-2
40Embassy Suites Hotel44%11
40Sony Software44%9
40Apple Software44%9
40Hitachi Appliances44%8
40Panera Bread Fast food44%6
40JCPenney Retailer44%3
40Hannaford's Supermarket44%-3
47Virgin America Airline43%11
47Sheraton Hotel43%10
47Google Software43%8
47Cadillac Auto dealer43%7
47Toyota Auto dealer43%7
47Starbucks Fast food43%5
47QVC Retailer43%2
47Barnes & Noble Computers43%2
47Lowe's Retailer43%2
47Sam's Club Retailer43%2
47Giant Eagle Supermarket43%-4
47Wegmans Supermarket43%-5
59US Cellular Wireless42%16
59Regions Bank42%6
59Dunkin' Donuts Fast food42%4
59U.S. Postal Service Parcel delivery42%3
59Target Retailer42%1
59Old Navy Retailer42%1
59Bed Bath & Beyond Retailer42%1
59Apple Retail Store Retailer42%1
59PetSmart Retailer42%1
68Virgin Mobile Wireless41%15
68Holiday Inn Hotel41%8
68PNC Bank41%5
68Papa John's Fast food41%3
68Dollar General Retailer41%0
68CVS Retailer41%0
68O'Reilly Auto Parts Retailer41%0
68Dollar Tree Retailer41%0
76AirTran Airways Airline40%8
76Alaska Airlines Airline40%7
76Marriott Hotel40%6
76A credit union Investments40%6
76American Family Insurance40%6
76Fujitsu Appliances40%4
76Dodge Auto dealer40%4
76GM Auto dealer40%4
76Taco Bell Fast food40%2
76Ace Hardware Retailer40%-1
76Rite Aid Retailer40%-2
76Bi-Lo Supermarket40%-7
76Albertsons Supermarket40%-7
89Medicaid Health plan39%12
89Georgia Power Utility39%8
89Hampton Inn Hotel39%5
89Activision Software39%4
89Buick Auto dealer39%3
89Chevrolet Auto dealer39%3
89TD Bank Bank39%3
89Domino's Fast food39%1
89Pizza Hut Fast food39%1
89Chipotle Mexican Grill Fast food39%1
89Toshiba Computers39%-2
89GameStop Retailer39%-2
89Gap Retailer39%-3
89ShopRite Supermarket39%-8
89Stop & Shop Supermarket39%-8
104Medicare Health plan38%11
104Dominion Virginia Power Utility38%7
104Southwest Airlines Airline38%5
104Courtyard By Marriott Hotel38%5
104Sonic Drive-In Fast food38%0
104Arby's Fast food38%0
104UPS Parcel delivery38%0
104KFC Fast food38%0
104Subway Fast food38%-1
1047-Eleven Retailer38%-3
104Hewlett-Packard Computers38%-3
104True Value Retailer38%-3
116American Express Credit cards37%7
116Scottrade Investments37%3
116Enterprise Car rentals37%3
116State Farm Insurance37%2
116Dollar Car rentals37%2
116Microsoft Software37%2
116Samsung Appliances37%1
116LG Appliances37%1
116Audi Auto dealer37%1
116Wendy's Fast food37%-1
116eBay Retailer37%-4
116Toys 'R' Us Retailer37%-4
116Kmart Retailer37%-4
116Kohl's Retailer37%-5
130PNC Credit cards36%6
130DTE Energy Electric Company Utility36%5
130Best Western Hotel36%3
130Holiday Inn Express Hotel36%3
130Morgan Stanley Smith Barney Investments36%2
130AAA Insurance36%1
130Honda Auto dealer36%0
130BMW Auto dealer36%0
130Capital One 360 Bank36%0
130Mercedes-Benz Auto dealer36%0
130Hardees Fast food36%-2
130Dairy Queen Fast food36%-2
130Staples Retailer36%-5
130Advance Auto Parts Retailer36%-5
130BJ's Wholesale Club Retailer36%-6
130Office Depot Retailer36%-6
146AOL Internet service35%18
146Delta Airlines Airline35%2
146Capital One 360 Investments35%1
146Wells Fargo Advisors Investments35%1
146GEICO Insurance35%0
146Allstate Insurance35%0
146Fox Rent A Car Car rentals35%0
146Thrifty Car rentals35%0
146Mazda Auto dealer35%-1
146Haier Appliances35%-1
146Little Caesar's Fast food35%-3
146Jack in the Box Fast food35%-3
146FedEx Parcel delivery35%-4
146OfficeMax Retailer35%-6
146Wal-Mart Retailer35%-6
146AutoZone Retailer35%-6
162Southern California Edison Utility34%3
162HSBC Credit cards34%3
162Capital One Credit cards34%3
162Fairfield Inn Hotel34%1
162Comfort Inn Hotel34%1
162Fidelity Investments Investments34%0
162Farmers Insurance34%-1
162Chrysler Auto dealer34%-2
162U.S. Bank Bank34%-2
162Ford Auto dealer34%-2
162Nissan Auto dealer34%-2
162DHL Parcel delivery34%-5
162Sears Retailer34%-7
175MetroPCS Wireless33%7
175Florida Power & Light Utility33%2
175Doubletree Hotel33%0
175Crowne Plaza Hotel33%0
175Edward Jones Investments33%-1
175National Car rentals33%-1
175Chase Bank33%-2
175Kenmore Appliances33%-3
175Panda Express Fast food33%-5
175Marshalls Retailer33%-8
175Macy's Retailer33%-8
175Best Buy Retailer33%-8
187Kaiser Permanente Health plan32%5
187Residence Inn Hotel32%-2
187Whirlpool Appliances32%-4
187Fifth Third Bank32%-4
187Bank of America Bank32%-4
187Asus Computers32%-9
193U.S. Bank Credit cards31%0
193Discover Credit cards31%0
193American Airlines Airline31%-2
193Hilton Hotel31%-3
193E*TRADE Investments31%-3
193MetLife Insurance31%-3
193Charles Schwab Investments31%-3
193Alamo Car rentals31%-4
193Kia Auto dealer31%-5
193Burger King Fast food31%-7
193Acer Computers31%-10
204BCBS of Florida Health plan30%3
204Bank of America Credit cards30%-1
204Quality Inn Hotel30%-4
204Vanguard Investments30%-4
204The Hartford Insurance30%-4
204Blackboard Software30%-5
204Toshiba Appliances30%-6
204Bosch Appliances30%-6
204Lenovo Computers30%-11
213TracFone Wireless29%3
213T-Mobile Wireless29%3
213Budget Car rentals29%-5
213Progressive Insurance29%-6
213BB&T; Bank29%-6
213Capital One Bank29%-7
213Dell Computers29%-11
220Verizon TV service28%11
220BCBS of Michigan Health plan28%1
220PSE&G; Utility28%-3
220Hertz Car rentals28%-7
220Adobe Software28%-7
220Intuit Software28%-7
220Wells Fargo Bank28%-7
220Citizens Bank28%-8
228US Airways Airline27%-5
228Days Inn Hotel27%-6
228Westin Hotel27%-6
228Merrill Lynch Investments27%-7
228Hyundai Auto dealer27%-9
228McDonalds Fast food27%-11
234Humana Health plan26%-1
234Duke Energy Progress Utility26%-5
234Super 8 Hotel26%-8
234Nationwide Insurance26%-9
238DirecTV TV service25%9
238AT&T; Wireless25%-1
238Barclaycard Credit cards25%-6
238La Quinta Inn Hotel25%-8
238Ramada Inn Hotel25%-9
243AT&T; TV service24%7
243United Healthcare Health plan24%-3
243Citigroup Credit cards24%-7
243Chase Credit cards24%-7
243Hyatt Hotel24%-9
243Motel 6 Hotel24%-10
243Liberty Mutual Insurance24%-10
243TD Ameritrade Investments24%-10
243Avis Car rentals24%-11
243Jeep Auto dealer24%-12
243Volkswagen Auto dealer24%-12
254AT&T; Internet service23%7
254Blue Shield of California Health plan23%-4
254Wells Fargo Credit cards23%-7
254Pacific Gas and Electric Company Utility23%-8
254McAfee Software23%-12
259Bright House Networks TV service22%6
259Dish Network TV service22%5
259Verizon Wireless Wireless22%-4
259Aetna Health plan22%-5
259Consumers Energy Company Utility22%-9
259United Airlines Airline22%-11
25921st Century Insurance22%-12
259Symantec Software22%-13
259Citibank Bank22%-14
268CenturyLink Internet service21%4
268Subaru Auto dealer21%-15
268RadioShack Retailer21%-20
271CIGNA Health plan20%-7
271Commonwealth Edison Utility20%-11
273Optimum Internet service19%3
273Charter Communications Internet service19%3
273Cox Communications Internet service19%2
273Verizon Internet service19%2
273Anthem Health plan19%-8
273BCBS plan not listedHealth plan19%-8
279Cablevision Optimum TV service18%2
279Cablevision Internet service18%1
279Sprint Wireless18%-7
282Travelers Insurance17%-17
283Charter Communications TV service16%-1
283Health Net Health plan16%-11
285Spirit Airlines Airline15%-18
286Frontier Internet service13%-4
287Cox Communications TV service12%-5
288Time Warner CableInternet service10%-7
289Time Warner Cable TV service8%-9
290Comcast Internet service7%-9
291Comcast TV service5%-11
292Coventry Health Care Health plan3%-24
292Consolidated Edison Company of New York Utility3%-28

Calculating the Temkin Forgiveness Ratings

The Temkin Forgiveness Ratings are based on consumer feedback on companies with which our survey respondents have recently interacted. We asked consumers how likely they would be to forgive the companies if those firms made a mistake. For more information, see the Temkin Forgiveness Ratings Overview.