2026 data Public-data reference Official source

Umb Financial Corporation

688 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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688
Total Complaints
98.5%
Timely Response
0%
Disputed
10.9%
Relief Provided
43
States Active
2012
Since

Data updated June 2026

Timely response rate 98.5%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 10.9%
Industry median

Share closed with monetary or non-monetary relief.

Umb Financial Corporation complaint mix by product

Total complaints: 688

Umb Financial Corporation complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 688 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Checking or: 337 complaints (51.5%), resolution 7.7% Checking or 51.5% Credit card: 106 complaints (16.2%), resolution 18.9% Credit card 16.2% Bank account: 82 complaints (12.5%), resolution 23.2% Bank account 12.5% Credit card: 58 complaints (8.9%), resolution 10.3% Credit card 8.9% Credit reporting: 27 complaints (4.1%), resolution 0.0% Mortgage: 23 complaints (3.5%), resolution 8.7% Debt collection: 22 complaints (3.4%), resolution 0.0%
  • Checking or 337 51.5% – 8% relief
  • Credit card 106 16.2% – 19% relief
  • Bank account 82 12.5% – 23% relief
  • Credit card 58 8.9% – 10% relief
  • Credit reporting 27 4.1% – 0% relief
  • Mortgage 23 3.5% – 9% relief
  • Debt collection 22 3.4% – 0% relief

How Umb Financial Corporation's 688 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 337
Credit card 106
Bank account or service 82
Credit card or prepaid card 58
Credit reporting or other personal consumer reports 27
Mortgage 23
Debt collection 22
Money transfer, virtual currency, or money service 13
Credit reporting, credit repair services, or other personal consumer reports 12
Payday loan, title loan, or personal loan 2
Prepaid card 2
Money transfers 2
Consumer Loan 1
Vehicle loan or lease 1

Top States

State Complaints
MO 134
CA 56
KS 52
CO 42
TX 42
IL 41
NY 29
FL 26
AZ 25
OK 19
OH 17
PA 16
IN 14
GA 14
NM 14
VA 13
NJ 12
MN 10
MA 9
NV 8

Top Issues

Issue Complaints
Managing an account 226
Closing an account 42
Account opening, closing, or management 40
Problem with a purchase shown on your statement 35
Problem with a lender or other company charging your account 27
Opening an account 24
Other features, terms, or problems 22
Incorrect information on your report 22
Getting a credit card 19
Deposits and withdrawals 17
Problem caused by your funds being low 16
Fees or interest 15
Closing your account 13
Problem with a company's investigation into an existing problem 10
Improper use of your report 9
Problems caused by my funds being low 9
Making/receiving payments, sending money 9
Trouble using your card 7
Advertising and marketing, including promotional offers 7
Attempts to collect debt not owed 7

Yearly Trend

Year Complaints Timely
2012 20 65%
2013 27 100%
2014 32 100%
2015 18 100%
2016 29 100%
2017 22 100%
2018 33 100%
2019 38 100%
2020 42 100%
2021 38 100%
2022 58 98.3%
2023 79 98.7%
2024 99 100%
2025 95 98.9%
2026 58 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About Umb Financial Corporation

Umb Financial Corporation's 688 logged complaints reach a nationwide footprint - 43 states have at least one filing on record. 41.3% 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 2012 through 2026-06-24.

Umb Financial Corporation answers 98.5% of complaints inside the CFPB's tracked window and closes 87.6% with a written explanation. 10.9% 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 Umb Financial Corporation.

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 Umb Financial Corporation have?

688, per the CFPB's public complaint count for this company (see the full breakdown above).

Does Umb Financial Corporation respond to complaints on time?

98.5% of the time, measured against the CFPB's 15-calendar-day response window.

What is the most common complaint about Umb Financial Corporation?

"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.