2026 data Public-data reference. official source

CULLEN/FROST BANKERS, INC.

419 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

419 consumer complaints filed with the CFPB

This profile shows CULLEN/FROST BANKERS, INC.'s complaint history from CFPB public records. 419 consumers have filed complaints since 2012. The company has a 99.5% timely response rate and has provided relief in 9.8% of cases.

419
Total Complaints
99.5%
Timely Response
1.7%
Disputed
9.8%
Relief Provided
19
States Active
2012
Since

Total complaints

419

Filed since 2012

Timely response

99.5%

CFPB-tracked response window

Relief rate

9.8%

Closed with monetary or non-monetary relief

Timely response rate 99.5%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 9.8%
Industry median

Share closed with monetary or non-monetary relief.

CULLEN/FROST BANKERS, INC. complaint mix by product

Total complaints: 419

CULLEN/FROST BANKERS, INC. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 419 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Checking or: 273 complaints (67.4%), resolution 8.4% Checking or 67.4% Bank account: 37 complaints (9.1%), resolution 10.8% Bank account 9.1% Money transfer,: 25 complaints (6.2%), resolution 8.0% Money transfer, 6.2% Debt collection: 22 complaints (5.4%), resolution 22.7% Credit reporting,: 20 complaints (4.9%), resolution 10.0% Credit reporting: 18 complaints (4.4%), resolution 11.1% Mortgage: 10 complaints (2.5%), resolution 0.0%
  • Checking or 273 67.4% 8% relief
  • Bank account 37 9.1% 11% relief
  • Money transfer, 25 6.2% 8% relief
  • Debt collection 22 5.4% 23% relief
  • Credit reporting, 20 4.9% 10% relief
  • Credit reporting 18 4.4% 11% relief
  • Mortgage 10 2.5% 0% relief

How CULLEN/FROST BANKERS, INC.'s 419 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Checking or savings account 273
Bank account or service 37
Money transfer, virtual currency, or money service 25
Debt collection 22
Credit reporting, credit repair services, or other personal consumer reports 20
Credit reporting or other personal consumer reports 18
Mortgage 10
Payday loan, title loan, or personal loan 5
Credit card 3
Payday loan, title loan, personal loan, or advance loan 2
Money transfers 2
Vehicle loan or lease 1
Credit card or prepaid card 1

Top States

State Complaints
TX 375
FL 4
CA 4
CO 4
AR 2
OK 2
SC 2
NM 2
NY 2
AZ 1
PR 1
MD 1
MN 1
KS 1
VA 1
GA 1
IL 1
NC 1
OH 1

Top Issues

Issue Complaints
Managing an account 110
Opening an account 97
Closing an account 29
Incorrect information on your report 23
Problem with a lender or other company charging your account 20
Fraud or scam 16
Account opening, closing, or management 16
Deposits and withdrawals 15
Problem caused by your funds being low 14
Attempts to collect debt not owed 10
Improper use of your report 8
Problem with a credit reporting company's investigation into an existing problem 6
Applying for a mortgage or refinancing an existing mortgage 4
Problems caused by my funds being low 4
Written notification about debt 3
Problem with customer service 3
Getting a line of credit 3
Loan servicing, payments, escrow account 3
Problem with a company's investigation into an existing problem 3
Took or threatened to take negative or legal action 3

Yearly Trend

Year Complaints Timely
2012 3 66.7%
2013 12 100%
2014 12 100%
2015 6 100%
2016 9 100%
2017 17 100%
2018 20 100%
2019 16 100%
2020 23 100%
2021 32 100%
2022 41 100%
2023 61 100%
2024 62 100%
2025 80 100%
2026 25 96%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About CULLEN/FROST BANKERS, INC.

CULLEN/FROST BANKERS, INC. has accumulated 419 consumer complaints in the CFPB public database, with filings active across 19 U.S. states. Of those submissions, 153 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2012, and the most recent logged activity is 2026-03-24, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, CULLEN/FROST BANKERS, INC. reports a 99.5% timely-response rate and has closed 89.3% of cases with a written explanation to the consumer. 9.8% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 1.7% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Checking or savings account", and the single most common underlying issue is "Managing an account".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating CULLEN/FROST BANKERS, INC.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

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.

Frequently Asked Questions

How many CFPB complaints does CULLEN/FROST BANKERS, INC. have?

CULLEN/FROST BANKERS, INC. has received 419 consumer complaints filed with the Consumer Financial Protection Bureau.

Does CULLEN/FROST BANKERS, INC. respond to complaints on time?

CULLEN/FROST BANKERS, INC. has a 99.5% timely response rate to CFPB complaints.

What is the most common complaint about CULLEN/FROST BANKERS, INC.?

The most common issue reported against CULLEN/FROST BANKERS, INC. is "Managing an account" in the "Checking or savings account" product category.

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