CFPB · Narrative-heavy record
Umb Financial Corporation
688 CFPB complaints · 41.3% with narratives · top issue Managing an account.
Umb Financial Corporation: 41.3% of 688 filings include consumer narratives. Timely 98.5% · relief 10.9% · top product Checking or savings account. Allegations, not findings.
- Narrative-heavy record
- +190% filings 2012 to 2026
CFPB relief outcome brief
CCDB company umb-financial-corporation
10.9% relief · 98.5% timely · 688 filings · Checking or savings account
Same-product relief peers
Nearest relief peer: Truist Financial Corporation (10.7% relief)
Umb Financial Corporation closes 10.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Umb Financial Corporation's 688 filings include narrative text
41.3% 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.
Umb Financial Corporation complaint mix by product
- 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 |
Nationwide filing states for Umb Financial Corporation
Top states by attributed CFPB complaint volume for this company
- Leading state
- MO
- 19.5% of this company's filings
Umb Financial Corporation rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 58
- +190% vs 2012
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
Umb Financial Corporation's narrative-rich complaint ledger
Umb Financial Corporation's 688 logged complaints reach a nationwide footprint - 43 states have at least one filing. 41.3% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Umb Financial Corporation: 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: 688.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.5%.
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 Umb Financial Corporation (98.5% timely; 10.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record