CFPB Consumer Complaint Profile
Cadence Bank
What the consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 291
- Total complaints
- Above average
- 84
- Last 12 months
- 100%
- Timely response
- Top decile
- 23
- States affected
The verdict
Cadence Bank ranks #714 of 3,843 financial companies by CFPB complaint volume. On response speed it sits at the 86th percentile among companies with 100+ complaints.
- Checking or savings …
- most-complained product
- MS
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Cadence Bank vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 51 in 2024 to 105 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2022 | 67 |
| 2023 | 49 |
| 2024 | 51 |
| 2025 | 105 |
| 2026year in progress | 19 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Cadence Bank
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for Cadence Bank, with consumers across the country filing against it. No product draws more complaints than "Checking or savings account," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Managing an account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Cadence Bank have?
The CFPB has logged 291 complaints against Cadence Bank to date, of which 84 came in over the last 12 months.
Does Cadence Bank respond to complaints on time?
Cadence Bank's CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Cadence Bank?
Among all products tied to Cadence Bank, "Checking or savings account" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Cadence Bank?
"Managing an account" is the single most frequently cited issue in complaints against Cadence Bank - see all issues and counts above.
How do I file a complaint against Cadence Bank?
You can file a complaint against Cadence Bank directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Cadence Bank?
The CFPB has recorded complaints against Cadence Bank from 23 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.