CFPB Consumer Complaint Profile
Mechanics Bank
Consumers have filed 554 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
- 554
- Total complaints
- Above average
- 106
- Last 12 months
- 100%
- Timely response
- Top decile
- 34
- States affected
The verdict
554 CFPB complaints put Mechanics Bank at #473 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #473
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Vehicle loan or lease
- most-complained product
- 34
- 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.
Mechanics 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 85 in 2024 to 121 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2019 | 5 |
| 2020 | 61 |
| 2021 | 90 |
| 2022 | 88 |
| 2023 | 90 |
| 2024 | 85 |
| 2025 | 121 |
| 2026year in progress | 14 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Mechanics Bank
Mechanics Bank carries 554 complaints in the CFPB's database, 106 of them filed within the past 12 months. Consumers spanning 34 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Vehicle loan or lease," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Mechanics Bank posts a 100% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Among resolved complaints, 2.9% closed with some form of monetary or non-monetary relief to the consumer.
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 Mechanics Bank have?
Mechanics Bank has 554 total consumer complaints filed with the CFPB, with 106 filed in the last 12 months.
Does Mechanics Bank respond to complaints on time?
CFPB complaints against Mechanics Bank draw a 100% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Mechanics Bank?
The most complained-about product for Mechanics Bank is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with Mechanics Bank?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Mechanics Bank - see all issues and counts above.
How do I file a complaint against Mechanics Bank?
You can file a complaint against Mechanics 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 Mechanics Bank?
Consumers in 34 states and territories have filed complaints about Mechanics Bank with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Mechanics Bank have?
Mechanics Bank has 554 total consumer complaints filed with the CFPB, with 106 filed in the last 12 months.
Does Mechanics Bank respond to complaints on time?
CFPB complaints against Mechanics Bank draw a 100% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Mechanics Bank?
The most complained-about product for Mechanics Bank is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with Mechanics Bank?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Mechanics Bank - see all issues and counts above.
How do I file a complaint against Mechanics Bank?
You can file a complaint against Mechanics 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 Mechanics Bank?
Consumers in 34 states and territories have filed complaints about Mechanics Bank with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.