CFPB Consumer Complaint Profile
Umpqua Holdings Corporation
402 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
- 402
- Total complaints
- Above average
- 0
- Last 12 months
- 98.5%
- Timely response
- Above median
- 28
- States affected
The verdict
Umpqua Holdings Corporation ranks #572 of 3,843 financial companies by CFPB complaint volume, with 402 complaints on record. Its on-time response rate is 98.5%, the 54th percentile among companies with 100+ complaints.
- #572
- of 3,843 companies by volume
- 98.5%
- on time (54th pctile)
- Checking or savings …
- most-complained product
- 28
- 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.
Umpqua Holdings Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.5% Higher than most higher than 54% 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 2022 to 2023 complete years
- Annual CFPB complaint volume moved from 46 in 2022 to 12 in 2023 (2022 → 2023).
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 |
|---|---|
| 2012 | 3 |
| 2013 | 8 |
| 2014 | 25 |
| 2015 | 43 |
| 2016 | 52 |
| 2017 | 45 |
| 2018 | 39 |
| 2019 | 38 |
| 2020 | 50 |
| 2021 | 41 |
| 2022 | 46 |
| 2023 | 12 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Umpqua Holdings Corporation
Umpqua Holdings Corporation carries 402 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 28 states and territories have weighed in, giving this a multi-regional 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 "Managing an account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Umpqua Holdings Corporation draw a 98.5% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 16.3% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 11.7% rate.
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 Umpqua Holdings Corporation have?
Umpqua Holdings Corporation has 402 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Umpqua Holdings Corporation respond to complaints on time?
Umpqua Holdings Corporation has a 98.5% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Umpqua Holdings Corporation?
"Checking or savings account" draws more CFPB complaints against Umpqua Holdings Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with Umpqua Holdings Corporation?
The most common issue reported by consumers about Umpqua Holdings Corporation is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Umpqua Holdings Corporation?
You can file a complaint against Umpqua Holdings Corporation 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 Umpqua Holdings Corporation?
The CFPB has recorded complaints against Umpqua Holdings Corporation from 28 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 Umpqua Holdings Corporation: 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 dispute rates
Nearest companies by share of complaints marked disputed (16.3% here).
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 Umpqua Holdings Corporation have?
Umpqua Holdings Corporation has 402 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Umpqua Holdings Corporation respond to complaints on time?
Umpqua Holdings Corporation has a 98.5% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Umpqua Holdings Corporation?
"Checking or savings account" draws more CFPB complaints against Umpqua Holdings Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with Umpqua Holdings Corporation?
The most common issue reported by consumers about Umpqua Holdings Corporation is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Umpqua Holdings Corporation?
You can file a complaint against Umpqua Holdings Corporation 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 Umpqua Holdings Corporation?
The CFPB has recorded complaints against Umpqua Holdings Corporation from 28 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.