CFPB · Mid-pack CFPB posture
Nbt Bancorp Inc.
184 CFPB complaints · 25 states · top issue Managing an account.
Nbt Bancorp Inc. has 184 consumer complaints in the CFPB public database. Timely response is 100%; 31.5% closed with relief; top product Checking or savings account. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +41.2% filings 2021 to 2026
CFPB relief outcome brief
CCDB company nbt-bancorp-inc
31.5% relief · 100% timely · 184 filings · Checking or savings account
Same-product relief peers
Nearest relief peer: Regions Financial Corporation (30.2% relief)
Nbt Bancorp Inc. closes 31.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Nbt Bancorp Inc. scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (41/100), 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
100 / 100 percentile-benchmarked
31.5% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
41 / 100 percentile-benchmarked
67.9% of complaints closed with an explanation to the consumer
How 184 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.
Nbt Bancorp Inc. complaint mix by product
- Checking or 74 44.3% – 34% relief
- Vehicle loan 24 14.4% – 46% relief
- Mortgage 16 9.6% – 13% relief
- Payday loan, 16 9.6% – 13% relief
- Debt collection 15 9.0% – 20% relief
- Credit reporting, 13 7.8% – 46% relief
- Payday loan, 9 5.4% – 33% relief
How Nbt Bancorp Inc.'s 184 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 | 74 |
| Vehicle loan or lease | 24 |
| Mortgage | 16 |
| Payday loan, title loan, personal loan, or advance loan | 16 |
| Debt collection | 15 |
| Credit reporting, credit repair services, or other personal consumer reports | 13 |
| Payday loan, title loan, or personal loan | 9 |
| Credit reporting or other personal consumer reports | 9 |
| Money transfer, virtual currency, or money service | 6 |
| Credit card | 1 |
| Student loan | 1 |
Concentrated filing states for Nbt Bancorp Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- NY
- 49.5% of this company's filings
Nbt Bancorp Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 24
- +41.2% vs 2021
Top States
| State | Complaints |
|---|---|
| NY | 91 |
| PA | 23 |
| FL | 10 |
| MA | 8 |
| CA | 6 |
| NJ | 5 |
| TX | 5 |
| HI | 5 |
| NH | 4 |
| OH | 3 |
| CT | 3 |
| VT | 3 |
| AZ | 2 |
| RI | 2 |
| NC | 2 |
| UNITED STATES MINOR OUTLYING ISLANDS | 1 |
| ME | 1 |
| WY | 1 |
| MT | 1 |
| UT | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 43 |
| Incorrect information on your report | 19 |
| Problem with a lender or other company charging your account | 10 |
| Closing an account | 9 |
| Managing the loan or lease | 9 |
| Charged fees or interest you didn't expect | 7 |
| Problem caused by your funds being low | 7 |
| Struggling to pay your loan | 6 |
| Problem with a credit reporting company's investigation into an existing problem | 5 |
| Took or threatened to take negative or legal action | 5 |
| Closing on a mortgage | 5 |
| Trouble during payment process | 5 |
| Opening an account | 5 |
| Problem with the payoff process at the end of the loan | 4 |
| Problem when making payments | 4 |
| Attempts to collect debt not owed | 4 |
| Struggling to pay mortgage | 3 |
| Problem with additional add-on products or services | 3 |
| Getting a loan or lease | 3 |
| Written notification about debt | 3 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2021 | 17 | 100% |
| 2022 | 35 | 100% |
| 2023 | 31 | 100% |
| 2024 | 28 | 100% |
| 2025 | 49 | 100% |
| 2026 | 24 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Nbt Bancorp Inc.
Nbt Bancorp Inc.'s 184 logged complaints stay concentrated: only 25 states show a filing. Only 39.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2021 through 2026-06-10.
Nbt Bancorp Inc. answers 100% of complaints inside the CFPB's tracked window and closes 67.9% with a written explanation. 31.5% 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 Nbt Bancorp Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Nbt Bancorp 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: 184.
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 Nbt Bancorp Inc. (100% timely; 31.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture