2014 Temkin Forgiveness Ratings

Rank	Company	Industry	Temkin Forgiveness Ratings (TFR)	Company TFR vs Industry TFR
1	H.E.B.	Grocery Chains	65%	20
1	USAA	Banks	65%	34
3	USAA	Credit Cards	64%	38
4	USAA	Insurance Carriers	63%	29
5	Amazon.com	Retailers	54%	14
5	BMW	Auto Dealers	54%	16
5	Chick-fil-A	Fast Foods	54%	16
5	Apple	Software	54%	17
9	QVC	Retailers	53%	12
10	Costco	Retailers	52%	11
10	Lexus	Auto Dealers	52%	14
12	Trader Joe's	Grocery Chains	51%	6
12	Apple Store	Retailers	51%	11
14	Fujitsu	Major Appliances	50%	14
15	Publix	Grocery Chains	49%	4
16	Kroger	Grocery Chains	48%	3
16	Audi	Auto Dealers	48%	10
16	A credit union	Banks	48%	17
19	Save-a-Lot	Grocery Chains	47%	2
19	BJ's Wholesale Club	Retailers	47%	6
19	Apple	Computers	47%	12
19	Advantage	Rental Cars	47%	14
23	Aldi	Grocery Chains	46%	1
23	Piggly Wiggly	Grocery Chains	46%	1
23	Family Dollar	Retailers	46%	5
23	Dollar Tree	Retailers	46%	5
23	Days Inn	Hotels	46%	12
28	Ace Hardware	Retailers	45%	4
28	Marshalls	Retailers	45%	4
28	Starbucks	Fast Foods	45%	8
28	Hitachi	Major Appliances	45%	9
28	Ameriprise Financial	Investments	45%	12
33	Albertsons	Grocery Chains	44%	-1
33	Winn-Dixie	Grocery Chains	44%	-1
33	Advance Auto Parts	Retailers	44%	3
33	AutoZone	Retailers	44%	3
33	Walgreens	Retailers	44%	3
33	Sam's Club	Retailers	44%	4
33	Buick	Auto Dealers	44%	5
33	Cadillac	Auto Dealers	44%	6
33	Sony	Software	44%	7
42	O'Reilly Auto Parts	Retailers	43%	2
42	Ross	Retailers	43%	3
44	Lowe's	Retailers	42%	1
44	True Value	Retailers	42%	1
44	Best Buy	Retailers	42%	1
44	Barnes & Noble	Retailers	42%	1
44	Nordstrom	Retailers	42%	2
44	Ford	Auto Dealers	42%	4
44	Chevrolet	Auto Dealers	42%	4
44	Sonic Drive-In	Fast Foods	42%	4
44	Super 8	Hotels	42%	8
44	Regions	Banks	42%	11
54	ShopRite	Grocery Chains	41%	-4
54	Whole Foods	Grocery Chains	41%	-4
54	Hy-Vee	Grocery Chains	41%	-3
54	Target	Retailers	41%	0
54	Old Navy	Retailers	41%	0
54	Gap	Retailers	41%	0
54	UPS	Parcel Delivery	41%	2
54	Intuit	Software	41%	5
54	TD Bank	Banks	41%	11
54	TriCare	Health Plans	41%	13
64	Food Lion	Grocery Chains	40%	-5
64	Safeway	Grocery Chains	40%	-5
64	Giant Eagle	Grocery Chains	40%	-5
64	Bed Bath & Beyond	Retailers	40%	-1
64	Home Depot	Retailers	40%	-1
64	OfficeMax	Retailers	40%	0
64	Honda	Auto Dealers	40%	1
64	Toyota	Auto Dealers	40%	1
64	Baskin Robbins	Fast Foods	40%	3
64	Activision	Software	40%	3
64	Comfort Inn	Hotels	40%	6
75	PetSmart	Retailers	39%	-2
75	Dollar General	Retailers	39%	-2
75	US Postal Service	Parcel Delivery	39%	0
75	Volkswagen	Auto Dealers	39%	0
75	Pizza Hut	Fast Foods	39%	2
75	LG	Major Appliances	39%	3
75	Bosch	Major Appliances	39%	3
75	Electrolux	Major Appliances	39%	3
75	Southwest Airlines	Airlines	39%	8
75	ING Direct	Banks	39%	8
85	Rite Aid	Retailers	38%	-3
85	Foot Locker	Retailers	38%	-3
85	Wal-Mart	Retailers	38%	-2
85	T.J. Maxx	Retailers	38%	-2
85	FedEx	Parcel Delivery	38%	-1
85	Dunkin' Donuts	Fast Foods	38%	0
85	Wendy's	Fast Foods	38%	0
85	Quiznos	Fast Foods	38%	0
85	Burger King	Fast Foods	38%	0
85	Taco Bell	Fast Foods	38%	1
85	Toshiba	Major Appliances	38%	2
85	Haier	Major Appliances	38%	2
85	Fairfield Inn	Hotels	38%	4
85	State Farm	Insurance Carriers	38%	4
85	Hilton	Hotels	38%	4
85	JetBlue Airlines	Airlines	38%	7
101	Stop & Shop	Grocery Chains	37%	-8
101	JCPenney	Retailers	37%	-4
101	CVS	Retailers	37%	-3
101	Hyundai	Auto Dealers	37%	-2
101	Little Caesar's	Fast Foods	37%	0
101	Dairy Queen	Fast Foods	37%	0
101	Hardees	Fast Foods	37%	0
101	Subway	Fast Foods	37%	0
101	AAA	Insurance Carriers	37%	2
101	Hewlett-Packard	Computers	37%	3
101	Best Western	Hotels	37%	3
101	Vanguard	Investments	37%	4
101	Morgan Stanley Smith Barney	Investments	37%	4
101	Alaska Airlines	Airlines	37%	6
115	Staples	Retailers	36%	-5
115	Google	Software	36%	0
115	Microsoft	Software	36%	0
115	Samsung	Major Appliances	36%	0
115	Hampton Inn	Hotels	36%	2
115	Charles Schwab	Investments	36%	3
115	SunTrust Bank	Banks	36%	5
115	AirTran Airways	Airlines	36%	5
115	Medicare	Health Plans	36%	8
124	Arby's	Fast Foods	35%	-3
124	Blackboard	Software	35%	-2
124	eMachines	Computers	35%	1
124	National	Rental Cars	35%	2
124	Fidelity Investments	Investments	35%	2
124	Blue Shield of California	Health Plans	35%	7
130	7-Eleven	Retailers	34%	-7
130	Toys 'R' Us	Retailers	34%	-7
130	Kmart	Retailers	34%	-6
130	McDonalds	Fast Foods	34%	-4
130	Gateway	Computers	34%	0
130	Courtyard By Marriott	Hotels	34%	0
130	Holiday Inn Express	Hotels	34%	0
130	21st Century	Insurance Carriers	34%	0
130	A credit union	Investments	34%	1
130	Enterprise	Rental Cars	34%	1
140	GameStop	Retailers	33%	-8
140	Macy's	Retailers	33%	-8
140	Office Depot	Retailers	33%	-7
140	Mercedes-Benz	Auto Dealers	33%	-5
140	GEICO	Insurance Carriers	33%	-2
140	La Quinta Inn	Hotels	33%	-1
140	Allstate	Insurance Carriers	33%	-1
140	Hyatt	Hotels	33%	-1
140	Residence Inn	Hotels	33%	-1
140	Holiday Inn	Hotels	33%	-1
140	Dollar	Rental Cars	33%	0
140	Budget	Rental Cars	33%	0
140	*ETRADE**	Investments	33%	0
140	ING Direct	Investments	33%	0
140	Kaiser Permanente	Health Plans	33%	5
140	CareFirst (BCBS)	Health Plans	33%	5
140	Medicaid	Health Plans	33%	6
140	Wells Fargo	Credit Cards	33%	6
158	A&P;	Grocery Chains	32%	-13
158	Kohl's	Retailers	32%	-9
158	eBay	Retailers	32%	-8
158	Subaru	Auto Dealers	32%	-6
158	GM	Auto Dealers	32%	-6
158	Symantec	Software	32%	-5
158	Whirlpool	Major Appliances	32%	-4
158	Toshiba	Computers	32%	-3
158	Progressive	Insurance Carriers	32%	-3
158	Farmers	Insurance Carriers	32%	-2
158	Edward Jones	Investments	32%	-1
158	Alamo	Rental Cars	32%	-1
158	Humana	Health Plans	32%	4
158	American Express	Credit Cards	32%	5
172	KFC	Fast Foods	31%	-6
172	Dell	Computers	31%	-4
172	Sony	Computers	31%	-4
172	Marriott	Hotels	31%	-3
172	Wells Fargo Advisors	Investments	31%	-2
172	TD Ameritrade	Investments	31%	-2
172	PNC	Banks	31%	0
172	Chase	Banks	31%	0
180	Sears	Retailers	30%	-11
180	Domino's	Fast Foods	30%	-7
180	Acer	Computers	30%	-4
180	Westin	Hotels	30%	-4
180	American Airlines	Airlines	30%	-1
180	Health Net	Health Plans	30%	2
180	TracFone	Wireless Carriers	30%	6
187	Jeep	Auto Dealers	29%	-9
187	Dodge	Auto Dealers	29%	-9
187	Jack in the Box	Fast Foods	29%	-8
187	Adobe	Software	29%	-7
187	Discover	Credit Cards	29%	3
187	Virgin Mobile	Wireless Carriers	29%	4
193	Mazda	Auto Dealers	28%	-10
193	Nissan	Auto Dealers	28%	-10
193	MetLife	Insurance Carriers	28%	-6
193	Motel 6	Hotels	28%	-6
193	Citizens	Banks	28%	-3
193	U.S. Bank	Banks	28%	-3
193	DirecTV	TV Service	28%	11
200	Avis	Rental Cars	27%	-6
200	Delta Airlines	Airlines	27%	-5
200	Capital One	Banks	27%	-4
200	Cox Communications	TV Service	27%	6
200	AOL	Internet Service	27%	10
200	MSN	Internet Service	27%	10
206	DHL	Parcel Delivery	26%	-13
206	GE	Major Appliances	26%	-11
206	Crowne Plaza	Hotels	26%	-8
206	Liberty Mutual	Insurance Carriers	26%	-8
206	Wells Fargo	Banks	26%	-4
206	U.S. Bank	Credit Cards	26%	0
206	T-Mobile	Wireless Carriers	26%	1
213	The Hartford	Insurance Carriers	25%	-10
213	Nationwide	Insurance Carriers	25%	-9
213	United Airlines	Airlines	25%	-6
213	Empire (BCBS)	Health Plans	25%	-3
213	Capital One	Credit Cards	25%	-2
213	Barclaycard	Credit Cards	25%	-1
213	Verizon Wireless	Wireless Carriers	25%	0
213	MetroPCS	Wireless Carriers	25%	1
221	McAfee	Software	24%	-13
221	Lenovo	Computers	24%	-10
221	Sheraton	Hotels	24%	-10
221	Hertz	Rental Cars	24%	-9
221	Chase	Credit Cards	24%	-3
221	AT&T;	Wireless Carriers	24%	0
221	EarthLink	Internet Service	24%	6
221	Cox Communications	Internet Service	24%	10
229	RadioShack	Retailers	23%	-18
229	Chrysler	Auto Dealers	23%	-15
229	Compaq	Computers	23%	-12
229	American Family	Insurance Carriers	23%	-11
229	Merrill Lynch	Investments	23%	-10
229	United Healthcare	Health Plans	23%	-4
229	Bank of America	Credit Cards	23%	-3
236	Bright House	TV Service	22%	4
237	Aetna	Health Plans	21%	-7
237	AT&T;	Internet Service	21%	3
237	Optimum (iO)/Cablevision	TV Service	21%	3
240	Kia	Auto Dealers	20%	-19
240	Scottrade	Investments	20%	-14
240	Anthem (BCBS)	Health Plans	20%	-8
240	Verizon	Internet Service	20%	3
244	Bank of America	Banks	19%	-12
244	US Airways	Airlines	19%	-12
244	Coventry Health Care	Health Plans	19%	-9
244	Sprint	Wireless Carriers	19%	-5
244	Qwest	Internet Service	19%	1
244	Dish Network	TV Service	19%	2
244	AT&T;	TV Service	19%	2
251	CIGNA	Health Plans	18%	-10
251	Verizon	TV Service	18%	1
253	Orange Julius	Fast Foods	17%	-20
253	Fifth Third	Banks	17%	-13
255	Travelers	Insurance Carriers	16%	-18
255	Cablevision	Internet Service	16%	-1
257	Citigroup	Credit Cards	14%	-12
257	Charter Communications	Internet Service	14%	-3
257	Time Warner	Internet Service	14%	-3
260	Citibank	Banks	13%	-18
260	US Cellular	Wireless Carriers	13%	-11
262	Comcast	Internet Service	11%	-7
262	Comcast	TV Service	11%	-7
262	Time Warner Cable	TV Service	11%	-6
265	Highmark (BCBS)	Health Plans	10%	-17
265	HSBC	Credit Cards	10%	-16
267	HSBC	Banks	6%	-25
268	Charter Communications	TV Service	5%	-12

See the 2013 Ratings

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.

Purchase Data

For only $295, you can download an Excel workbook with the underlying data from the 2014 Temkin Forgiveness Ratings in addition to the overall ratings from 2013.

The dataset includes details for all three component scores for the 268 companies in the 2014 ratings. In addition, it provides average industry ratings across six age groups of consumers.

For more information, see the Temkin Forgiveness Ratings Overview.