CFPB Consumer Complaint Profile
Texas Capital Bancshares, Inc.
What 147 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
- 147
- Total complaints
- Mid-range
- 42
- Last 12 months
- 100%
- Timely response
- Top decile
- 30
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Texas Capital Bancshares, Inc. sits at #1104, with 147 complaints logged. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #1104
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Checking or savings …
- most-complained product
- 30
- 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.
Texas Capital Bancshares, 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 |
|---|---|
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 3 |
| 2021 | 6 |
| 2022 | 33 |
| 2023 | 18 |
| 2024 | 38 |
| 2025 | 33 |
| 2026year in progress | 14 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Texas Capital Bancshares, Inc.
Texas Capital Bancshares, Inc. carries 147 complaints in the CFPB's database, 42 of them filed within the past 12 months. Consumers spanning 30 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. Within that category, the most frequently cited specific issue is "Managing an account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Texas Capital Bancshares, 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 0.7%.
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 Texas Capital Bancshares, Inc. have?
Texas Capital Bancshares, Inc. has 147 total consumer complaints filed with the CFPB, with 42 filed in the last 12 months.
Does Texas Capital Bancshares, Inc. respond to complaints on time?
Texas Capital Bancshares, Inc.'s CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Texas Capital Bancshares, Inc.?
The most complained-about product for Texas Capital Bancshares, Inc. is "Checking or savings account." You can view the full product breakdown on this page.
What is the most common complaint issue with Texas Capital Bancshares, Inc.?
The most common issue reported by consumers about Texas Capital Bancshares, Inc. is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Texas Capital Bancshares, Inc.?
You can file a complaint against Texas Capital Bancshares, 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 Texas Capital Bancshares, Inc.?
Texas Capital Bancshares, Inc. has drawn CFPB complaints from 30 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 Texas Capital Bancshares, Inc. have?
Texas Capital Bancshares, Inc. has 147 total consumer complaints filed with the CFPB, with 42 filed in the last 12 months.
Does Texas Capital Bancshares, Inc. respond to complaints on time?
Texas Capital Bancshares, Inc.'s CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Texas Capital Bancshares, Inc.?
The most complained-about product for Texas Capital Bancshares, Inc. is "Checking or savings account." You can view the full product breakdown on this page.
What is the most common complaint issue with Texas Capital Bancshares, Inc.?
The most common issue reported by consumers about Texas Capital Bancshares, Inc. is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Texas Capital Bancshares, Inc.?
You can file a complaint against Texas Capital Bancshares, 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 Texas Capital Bancshares, Inc.?
Texas Capital Bancshares, Inc. has drawn CFPB complaints from 30 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.