CFPB · Diversified product mix
Mechanics Bank
583 CFPB complaints · diversified mix (top product 27.8%) · top issue Incorrect information on your report.
Mechanics Bank: top product "Vehicle loan or lease" is only 27.8% of 583 - multi-bucket mix. Timely 100% · relief 2.7%. Allegations, not findings.
- Diversified product mix
- +760% filings 2019 to 2026
CFPB relief outcome brief
CCDB company mechanics-bank
2.7% relief · 100% timely · 583 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Mei Auto Finance Inc (2.9% relief)
Mechanics Bank closes 2.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Mechanics Bank's 583 filings include narrative text
43.9% 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.
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 |
Concentrated filing states for Mechanics Bank
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 49.2% of this company's filings
Mechanics Bank rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 43
- +760% vs 2019
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
Mechanics Bank spreads across product buckets
Mechanics Bank's 583 logged complaints stay concentrated: only 34 states show a filing. 43.9% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Mechanics Bank: 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: 583.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Mechanics Bank (100% timely; 2.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix