Nbt Bancorp Inc.
184 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.
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 |
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 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 on record. Only 39.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than the 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..
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 Nbt Bancorp Inc. have?
184, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Nbt Bancorp Inc. 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 Nbt Bancorp Inc.?
"Managing an account", filed under the "Checking or savings account" 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.