CFPB Consumer Complaint Profile
Midfirst Bank
1,837 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 1,837
- Total complaints
- Among the highest
- 305
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 51
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Midfirst Bank has accumulated 1,837 complaints, placing it #219 by volume. It posts a 99.9% on-time response rate, the 82nd percentile among companies with 100+ complaints.
- #219
- of 3,843 companies by volume
- 99.9%
- on time (82nd pctile)
- Mortgage
- most-complained product
- 51
- 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.
Midfirst Bank vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% 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 232 in 2024 to 300 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 |
|---|---|
| 2016 | 67 |
| 2017 | 92 |
| 2018 | 98 |
| 2019 | 129 |
| 2020 | 125 |
| 2021 | 216 |
| 2022 | 264 |
| 2023 | 249 |
| 2024 | 232 |
| 2025 | 300 |
| 2026year in progress | 65 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Midfirst Bank
1,837 complaints against Midfirst Bank appear in the CFPB record, including 305 from the trailing year. The 51 states and territories represented put this footprint in nationwide territory. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Trouble during payment process," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Midfirst Bank posts a 99.9% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 11.6% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 20.4% 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 Midfirst Bank have?
The CFPB has logged 1,837 complaints against Midfirst Bank to date, of which 305 came in over the last 12 months.
Does Midfirst Bank respond to complaints on time?
Midfirst Bank has a 99.9% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Midfirst Bank?
"Mortgage" draws more CFPB complaints against Midfirst Bank than any other product - see the full breakdown above.
What is the most common complaint issue with Midfirst Bank?
"Trouble during payment process" is the single most frequently cited issue in complaints against Midfirst Bank - see all issues and counts above.
How do I file a complaint against Midfirst Bank?
You can file a complaint against Midfirst 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 Midfirst Bank?
The CFPB has recorded complaints against Midfirst Bank from 51 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Midfirst Bank: 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 complaint volume
Nearest companies by total CFPB complaint count (1,837 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (11.6% here).
Also handles Mortgage
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.