CFPB · Slower timely-response band
Cit Bank, National Association
2.2K CFPB complaints · 94.6% timely (slow band) · top issue Loan modification,collection,foreclosure.
Cit Bank, National Association answers 94.6% on time (lower third) across 2.2K filings. Relief 14.8% · top product Mortgage. Allegations, not findings.
- Slower timely-response band
- -4.8% filings 2011 to 2022
CFPB relief outcome brief
CCDB company cit-bank-national-association
14.8% relief · 94.6% timely · 2.2K filings · Mortgage
Same-product relief peers
Nearest relief peer: On Q Financial (14.8% relief)
Cit Bank, National Association closes 14.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Cit Bank, National Association scores strongest on timely response (91/100 percentile-benchmarked) and weakest on closed with explanation (63/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
69 / 100 percentile-benchmarked
14.8% of complaints closed with relief to the consumer
Timely response
91 / 100 percentile-benchmarked
94.6% of complaints answered inside the CFPB 15-day window
Closed with explanation
63 / 100 percentile-benchmarked
80.1% of complaints closed with an explanation to the consumer
How 2.2K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Cit Bank, National Association complaint mix by product
- Mortgage 2K 80.8% – 16% relief
- Checking or 166 7.7% – 9% relief
- Bank account 135 6.2% – 20% relief
- Debt collection 69 3.2% – 1% relief
- Credit reporting, 27 1.2% – 4% relief
- Consumer Loan 10 0.5% – 20% relief
- Payday loan, 9 0.4% – 11% relief
Higher-relief mix: how Cit Bank, National Association's 2.2K complaints split across CFPB product categories.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 1.7K |
| Checking or savings account | 166 |
| Bank account or service | 135 |
| Debt collection | 69 |
| Credit reporting, credit repair services, or other personal consumer reports | 27 |
| Consumer Loan | 10 |
| Payday loan, title loan, or personal loan | 9 |
| Money transfer, virtual currency, or money service | 6 |
| Vehicle loan or lease | 6 |
| Credit reporting | 4 |
| Credit card or prepaid card | 3 |
| Money transfers | 2 |
| Credit card | 1 |
Nationwide filing states for Cit Bank, National Association
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 35.5% of this company's filings
Cit Bank, National Association complaints by year
Annual filing volume from the CFPB public database
- 2022
- 20
- -4.8% vs 2011
Volume vs. relief
Where Cit Bank, National Association sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Cit Bank, National Association files more complaint volume than 39% of them, and closes complaints with relief more often than 75% of them, placing it in the quadrant for lower volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 2,185 · Closed with relief: 14.8%
Top States
| State | Complaints |
|---|---|
| CA | 776 |
| FL | 210 |
| NY | 147 |
| NJ | 107 |
| MD | 78 |
| TX | 64 |
| GA | 63 |
| VA | 62 |
| NV | 58 |
| PA | 55 |
| MA | 53 |
| IL | 44 |
| WA | 35 |
| MI | 35 |
| AZ | 31 |
| CT | 27 |
| NC | 26 |
| OR | 21 |
| CO | 19 |
| OH | 17 |
Top Issues
| Issue | Complaints |
|---|---|
| Loan modification,collection,foreclosure | 973 |
| Loan servicing, payments, escrow account | 367 |
| Managing an account | 104 |
| Account opening, closing, or management | 88 |
| Trouble during payment process | 87 |
| Application, originator, mortgage broker | 67 |
| Settlement process and costs | 66 |
| Struggling to pay mortgage | 61 |
| Other | 43 |
| Closing an account | 36 |
| Deposits and withdrawals | 30 |
| Applying for a mortgage or refinancing an existing mortgage | 28 |
| Incorrect information on your report | 27 |
| Closing on a mortgage | 26 |
| Opening an account | 22 |
| Cont'd attempts collect debt not owed | 20 |
| Credit decision / Underwriting | 18 |
| False statements or representation | 14 |
| Making/receiving payments, sending money | 10 |
| Managing the loan or lease | 9 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2011 | 21 | 66.7% |
| 2012 | 412 | 90.3% |
| 2013 | 475 | 97.5% |
| 2014 | 283 | 93.3% |
| 2015 | 228 | 91.7% |
| 2016 | 224 | 94.6% |
| 2017 | 185 | 97.3% |
| 2018 | 131 | 100% |
| 2019 | 78 | 100% |
| 2020 | 75 | 97.3% |
| 2021 | 53 | 100% |
| 2022 | 20 | 95% |
Source: CFPB Consumer Complaint Database
Cit Bank, National Association in the slower-timely third
Cit Bank, National Association's 2,185 logged complaints reach a nationwide footprint - 53 states have at least one filing. Only 13.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2011 through 2022-06-09. Timely response 94.6% sits in the lower third of the corpus.
Cit Bank, National Association answers 94.6% of complaints inside the CFPB's tracked window (timely band: slow) and closes 14.8% with relief; 80.1% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Mortgage" · top issue "Loan modification,collection,foreclosure."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Cit Bank, National Association.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Cit Bank, National Association: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 2.2K.
- Credit Systems International, Inc. Δ 1 complaints · 0% relief 2.2Kcomplaints
- United Shore Financial Services, LLC Δ 2 complaints · 1.9% relief 2.2Kcomplaints
- Waypoint Resource Group, LLC Δ 12 complaints · 0.2% relief 2.2Kcomplaints
- Lendmark Financial Services Δ 42 complaints · 0.1% relief 2.1Kcomplaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 94.6%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Cit Bank, National Association (#208 of 342; 94.6% timely; 14.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band