CFPB Consumer Complaint Profile
First United Bank and Trust Company
What 93 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
- 93
- Total complaints
- Mid-range
- 37
- Last 12 months
- 96.8%
- Timely response
- Below median
- 4
- States affected
The verdict
First United Bank and Trust Company ranks #1371 of 3,843 financial companies by CFPB complaint volume, with 93 complaints on record. It posts a 96.8% on-time response rate, the 38th percentile among companies with 100+ complaints.
- #1371
- of 3,843 companies by volume
- 96.8%
- on time (38th pctile)
- Checking or savings …
- most-complained product
- 4
- 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.
First United Bank and Trust Company vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.8% Around the middle higher than 38% 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 21 in 2024 to 41 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 |
|---|---|
| 2021 | 1 |
| 2022 | 13 |
| 2023 | 14 |
| 2024 | 21 |
| 2025 | 41 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for First United Bank and Trust Company
First United Bank and Trust Company carries 93 complaints in the CFPB's database, 37 of them filed within the past 12 months. Consumers spanning 4 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Checking or savings account," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Trouble during payment process" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, First United Bank and Trust Company posts a 96.8% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 1.1% 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 First United Bank and Trust Company have?
The CFPB has logged 93 complaints against First United Bank and Trust Company to date, of which 37 came in over the last 12 months.
Does First United Bank and Trust Company respond to complaints on time?
CFPB complaints against First United Bank and Trust Company draw a 96.8% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for First United Bank and Trust Company?
The most complained-about product for First United Bank and Trust Company is "Checking or savings account." You can view the full product breakdown on this page.
What is the most common complaint issue with First United Bank and Trust Company?
Consumers most often cite "Trouble during payment process" when complaining about First United Bank and Trust Company; the full issue list with counts is above.
How do I file a complaint against First United Bank and Trust Company?
You can file a complaint against First United Bank and Trust Company 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 First United Bank and Trust Company?
The CFPB has recorded complaints against First United Bank and Trust Company from 4 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.
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.