CFPB Consumer Complaint Profile
Cullen/Frost Bankers, Inc.
Consumers have filed 505 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 505
- Total complaints
- Above average
- 118
- Last 12 months
- 99.4%
- Timely response
- Above median
- 21
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Cullen/Frost Bankers, Inc. has accumulated 505 complaints, placing it #507 by volume. It posts a 99.4% on-time response rate, the 69th percentile among companies with 100+ complaints.
- #507
- of 3,843 companies by volume
- 99.4%
- on time (69th pctile)
- Checking or savings …
- most-complained product
- 21
- states with complaints
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.
Cullen/Frost Bankers, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.4% Higher than most higher than 69% 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 72 in 2024 to 113 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 3 |
| 2013 | 12 |
| 2014 | 12 |
| 2015 | 6 |
| 2016 | 9 |
| 2017 | 18 |
| 2018 | 24 |
| 2019 | 20 |
| 2020 | 28 |
| 2021 | 34 |
| 2022 | 50 |
| 2023 | 78 |
| 2024 | 72 |
| 2025 | 113 |
| 2026year in progress | 26 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Cullen/Frost Bankers, Inc.
505 complaints against Cullen/Frost Bankers, Inc. appear in the CFPB record, including 118 from the trailing year. The 21 states and territories represented put this footprint in multi-regional territory. "Checking or savings account" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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.
CFPB-forwarded complaints against Cullen/Frost Bankers, Inc. draw a 99.4% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved cases drew a formal consumer-dispute rate of 15.2% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 9.9% rate.
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.
Frequently Asked Questions
How many CFPB complaints does Cullen/Frost Bankers, Inc. have?
The CFPB has logged 505 complaints against Cullen/Frost Bankers, Inc. to date, of which 118 came in over the last 12 months.
Does Cullen/Frost Bankers, Inc. respond to complaints on time?
Cullen/Frost Bankers, Inc.'s CFPB timely-response rate is 99.4%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Cullen/Frost Bankers, Inc.?
"Checking or savings account" draws more CFPB complaints against Cullen/Frost Bankers, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Cullen/Frost Bankers, Inc.?
"Managing an account" is the single most frequently cited issue in complaints against Cullen/Frost Bankers, Inc. - see all issues and counts above.
How do I file a complaint against Cullen/Frost Bankers, Inc.?
You can file a complaint against Cullen/Frost Bankers, Inc. 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 Cullen/Frost Bankers, Inc.?
Cullen/Frost Bankers, Inc. has drawn CFPB complaints from 21 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Cullen/Frost Bankers, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (15.2% here).
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.