CFPB · Narrative-heavy record
Cullen/Frost Bankers, Inc.
558 CFPB complaints · 45.5% with narratives · top issue Managing an account.
Cullen/Frost Bankers, Inc.: 45.5% of 558 filings include consumer narratives. Timely 99.5% · relief 10% · top product Checking or savings account. Allegations, not findings.
- Narrative-heavy record
- +2566.7% filings 2012 to 2026
CFPB relief outcome brief
CCDB company cullen-frost-bankers-inc
10% relief · 99.5% timely · 558 filings · Checking or savings account
Same-product relief peers
Nearest relief peer: First Merchants Corporation (10.1% relief)
Cullen/Frost Bankers, Inc. closes 10% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Cullen/Frost Bankers, Inc.'s 558 filings include narrative text
45.5% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Cullen/Frost Bankers, Inc. complaint mix by product
- Checking or 380 70.4% – 9% relief
- Bank account 36 6.7% – 11% relief
- Money transfer, 34 6.3% – 9% relief
- Credit reporting 28 5.2% – 14% relief
- Debt collection 26 4.8% – 23% relief
- Credit reporting, 24 4.4% – 8% relief
- Mortgage 12 2.2% – 0% relief
How Cullen/Frost Bankers, Inc.'s 558 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 | 380 |
| Bank account or service | 36 |
| Money transfer, virtual currency, or money service | 34 |
| Credit reporting or other personal consumer reports | 28 |
| Debt collection | 26 |
| Credit reporting, credit repair services, or other personal consumer reports | 24 |
| Mortgage | 12 |
| Payday loan, title loan, or personal loan | 7 |
| Credit card | 4 |
| Payday loan, title loan, personal loan, or advance loan | 3 |
| Money transfers | 2 |
| Credit card or prepaid card | 1 |
| Vehicle loan or lease | 1 |
Concentrated filing states for Cullen/Frost Bankers, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 89.6% of this company's filings
Cullen/Frost Bankers, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 80
- +2566.7% vs 2012
Top States
| State | Complaints |
|---|---|
| TX | 500 |
| FL | 5 |
| AR | 4 |
| CO | 4 |
| AZ | 3 |
| NY | 3 |
| MD | 3 |
| GA | 3 |
| CA | 3 |
| NM | 2 |
| NC | 2 |
| SC | 2 |
| OK | 2 |
| IL | 1 |
| AL | 1 |
| PR | 1 |
| HI | 1 |
| UT | 1 |
| MN | 1 |
| NV | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 165 |
| Opening an account | 127 |
| Closing an account | 37 |
| Incorrect information on your report | 34 |
| Problem with a lender or other company charging your account | 28 |
| Fraud or scam | 22 |
| Problem caused by your funds being low | 18 |
| Deposits and withdrawals | 15 |
| Account opening, closing, or management | 15 |
| Attempts to collect debt not owed | 13 |
| Improper use of your report | 9 |
| Problem with a company's investigation into an existing problem | 7 |
| Problem with a credit reporting company's investigation into an existing problem | 6 |
| Getting a line of credit | 5 |
| Other transaction problem | 4 |
| Applying for a mortgage or refinancing an existing mortgage | 4 |
| Problem with customer service | 4 |
| Problems caused by my funds being low | 4 |
| Closing on a mortgage | 3 |
| Took or threatened to take negative or legal action | 3 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 3 | 66.7% |
| 2013 | 12 | 100% |
| 2014 | 11 | 100% |
| 2015 | 6 | 100% |
| 2016 | 9 | 100% |
| 2017 | 18 | 100% |
| 2018 | 24 | 100% |
| 2019 | 20 | 100% |
| 2020 | 28 | 100% |
| 2021 | 34 | 100% |
| 2022 | 50 | 100% |
| 2023 | 78 | 100% |
| 2024 | 72 | 100% |
| 2025 | 113 | 99.1% |
| 2026 | 80 | 98.8% |
Source: CFPB Consumer Complaint Database
Cullen/Frost Bankers, Inc.'s narrative-rich complaint ledger
Cullen/Frost Bankers, Inc.'s 558 logged complaints stay concentrated: only 23 states show a filing. 45.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-06-26.
Cullen/Frost Bankers, Inc. answers 99.5% of complaints inside the CFPB's tracked window and closes 88.4% with a written explanation. 10% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "Managing an account."
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 Cullen/Frost Bankers, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Cullen/Frost Bankers, Inc.: 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: 558.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.5%.
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 Cullen/Frost Bankers, Inc. (99.5% timely; 10% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record