Mechanics Bank
583 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Mechanics Bank complaint mix by product
- Vehicle loan 162 28.3% – 1% relief
- Credit reporting 116 20.3% – 3% relief
- Credit reporting, 109 19.1% – 3% relief
- Checking or 88 15.4% – 7% relief
- Debt collection 79 13.8% – 3% relief
- Mortgage 11 1.9% – 0% relief
- Money transfer, 7 1.2% – 0% relief
How Mechanics Bank's 583 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 162 |
| Credit reporting or other personal consumer reports | 116 |
| Credit reporting, credit repair services, or other personal consumer reports | 109 |
| Checking or savings account | 88 |
| Debt collection | 79 |
| Mortgage | 11 |
| Money transfer, virtual currency, or money service | 7 |
| Payday loan, title loan, or personal loan | 5 |
| Credit card or prepaid card | 4 |
| Credit card | 2 |
Top States
| State | Complaints |
|---|---|
| CA | 287 |
| TX | 77 |
| IL | 34 |
| AZ | 29 |
| NV | 16 |
| OH | 15 |
| GA | 14 |
| MO | 12 |
| CO | 11 |
| FL | 11 |
| WA | 8 |
| OK | 6 |
| NC | 6 |
| WI | 4 |
| LA | 4 |
| TN | 4 |
| OR | 4 |
| MI | 4 |
| IN | 4 |
| AL | 4 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 130 |
| Improper use of your report | 73 |
| Managing an account | 62 |
| Managing the loan or lease | 56 |
| Problem with a company's investigation into an existing problem | 30 |
| Attempts to collect debt not owed | 27 |
| Took or threatened to take negative or legal action | 23 |
| Problem with a credit reporting company's investigation into an existing problem | 22 |
| Problems at the end of the loan or lease | 20 |
| Repossession | 20 |
| Getting a loan or lease | 20 |
| Struggling to pay your loan | 16 |
| False statements or representation | 13 |
| Written notification about debt | 10 |
| Closing an account | 9 |
| Problem caused by your funds being low | 8 |
| Problem with a lender or other company charging your account | 6 |
| Trouble during payment process | 6 |
| Communication tactics | 4 |
| Money was not available when promised | 3 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2019 | 5 | 100% |
| 2020 | 61 | 100% |
| 2021 | 90 | 100% |
| 2022 | 88 | 100% |
| 2023 | 90 | 100% |
| 2024 | 85 | 100% |
| 2025 | 121 | 100% |
| 2026 | 43 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Mechanics Bank
Mechanics Bank's 583 logged complaints stay concentrated: only 34 states show a filing on record. 43.9% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2019 through 2026-06-24.
Mechanics Bank answers 100% of complaints inside the CFPB's tracked window and closes 96.6% with a written explanation. 2.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Incorrect information on your report."
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 Mechanics Bank.
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 Mechanics Bank have?
583, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Mechanics Bank respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Mechanics Bank?
"Incorrect information on your report", filed under the "Vehicle loan or lease" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.