CFPB Consumer Complaint Profile
Nbt Bancorp Inc.
Behind the 166 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 166
- Total complaints
- Mid-range
- 46
- Last 12 months
- 100%
- Timely response
- Top decile
- 22
- States affected
The verdict
166 CFPB complaints put Nbt Bancorp Inc. at #1036 out of 3,843 financial companies ranked by complaint volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #1036
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Checking or savings …
- most-complained product
- 22
- states with 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.
Nbt Bancorp Inc. 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 28 in 2024 to 49 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 |
|---|---|
| 2021 | 17 |
| 2022 | 35 |
| 2023 | 31 |
| 2024 | 28 |
| 2025 | 49 |
| 2026year in progress | 6 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Nbt Bancorp Inc.
Nbt Bancorp Inc. carries 166 complaints in the CFPB's database, 46 of them filed within the past 12 months. Consumers spanning 22 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Checking or savings account," which sits at the top of the product breakdown. Inside that category, "Managing an account" 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, Nbt Bancorp Inc. posts a 100% 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. Among resolved complaints, 31.3% 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 Nbt Bancorp Inc. have?
Nbt Bancorp Inc. has 166 total consumer complaints filed with the CFPB, with 46 filed in the last 12 months.
Does Nbt Bancorp Inc. respond to complaints on time?
Nbt Bancorp Inc.'s CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for Nbt Bancorp Inc.?
"Checking or savings account" draws more CFPB complaints against Nbt Bancorp Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Nbt Bancorp Inc.?
Consumers most often cite "Managing an account" when complaining about Nbt Bancorp Inc.; the full issue list with counts is above.
How do I file a complaint against Nbt Bancorp Inc.?
You can file a complaint against Nbt Bancorp 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 Nbt Bancorp Inc.?
Nbt Bancorp Inc. has drawn CFPB complaints from 22 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.
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 Nbt Bancorp Inc. have?
Nbt Bancorp Inc. has 166 total consumer complaints filed with the CFPB, with 46 filed in the last 12 months.
Does Nbt Bancorp Inc. respond to complaints on time?
Nbt Bancorp Inc.'s CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for Nbt Bancorp Inc.?
"Checking or savings account" draws more CFPB complaints against Nbt Bancorp Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Nbt Bancorp Inc.?
Consumers most often cite "Managing an account" when complaining about Nbt Bancorp Inc.; the full issue list with counts is above.
How do I file a complaint against Nbt Bancorp Inc.?
You can file a complaint against Nbt Bancorp 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 Nbt Bancorp Inc.?
Nbt Bancorp Inc. has drawn CFPB complaints from 22 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.