CFPB Consumer Complaint Profile
Stellar Bancorp Inc.
13 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
- 13
- Total complaints
- Below average
- 4
- Last 12 months
- 100%
- Timely response
- Top decile
- 2
- States affected
The verdict
Stellar Bancorp Inc. ranks #3408 of 3,843 financial companies by CFPB complaint volume, with 13 complaints on record. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #3408
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Checking or savings …
- most-complained product
- 2
- 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.
Stellar 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
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 |
|---|---|
| 2023 | 2 |
| 2024 | 5 |
| 2025 | 3 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Stellar Bancorp Inc.
Stellar Bancorp Inc. carries 13 complaints in the CFPB's database, 4 of them filed within the past 12 months. Consumers spanning 2 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 "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Stellar Bancorp Inc.'s timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. 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, the consumer-relief closure rate is 15.4%.
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 Stellar Bancorp Inc. have?
The CFPB has logged 13 complaints against Stellar Bancorp Inc. to date, of which 4 came in over the last 12 months.
Does Stellar Bancorp Inc. respond to complaints on time?
Stellar Bancorp Inc. has a 100% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Stellar Bancorp Inc.?
"Checking or savings account" draws more CFPB complaints against Stellar Bancorp Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Stellar Bancorp Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Stellar Bancorp Inc.; the full issue list with counts is above.
How do I file a complaint against Stellar Bancorp Inc.?
You can file a complaint against Stellar 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 Stellar Bancorp Inc.?
Stellar Bancorp Inc. has drawn CFPB complaints from 2 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 Stellar Bancorp Inc. have?
The CFPB has logged 13 complaints against Stellar Bancorp Inc. to date, of which 4 came in over the last 12 months.
Does Stellar Bancorp Inc. respond to complaints on time?
Stellar Bancorp Inc. has a 100% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Stellar Bancorp Inc.?
"Checking or savings account" draws more CFPB complaints against Stellar Bancorp Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Stellar Bancorp Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Stellar Bancorp Inc.; the full issue list with counts is above.
How do I file a complaint against Stellar Bancorp Inc.?
You can file a complaint against Stellar 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 Stellar Bancorp Inc.?
Stellar Bancorp Inc. has drawn CFPB complaints from 2 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.