Companies › Checking or savings account
Who is complaining aboutCULLEN/FROST BANKERS, INC.?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
155
89 in the 12 months before · 595 since 2012 · under 0.1% of all complaints the CFPB received
For its size
2.87per $1bn in assets
Against $54 billion, the assets of its FDIC-insured bank as of 30 Jun 2026.
Median among the 65 peer companies (main category Checking or savings account) with the same size measure: 2.26.
In the 12 months to 30 Sep 2026 the CFPB received 155 complaints naming CULLEN/FROST BANKERS, INC., up 74% on the 89 of the 12 months before. Since 2012 the total is 595.
The FDIC-insured bank of CULLEN/FROST BANKERS, INC. reported $54 billion in assets as of 30 Jun 2026. Its 155 complaints in 12 months work out to 2.87 per $1 billion of those assets, above the median of 2.26 among the 65 peer companies in the same main category that share this size measure. Assets measure the whole institution: one with a large card or consumer-lending business has many more customers per dollar of assets than a commercial or community bank, and its figure will sit higher for that reason alone.
71.6% of the complaints in that period fall under the CFPB product category “Checking or savings account”, followed by “Credit reporting or other personal consumer reports” at 14.2%. The issue selected most often was “Managing an account” (35.5%).
How the company's responses were recorded over the 12 months: 88.4% closed with an explanation, 4.5% closed with non-monetary relief, 5.8% closed with monetary relief, and 1.3% still in progress when the file was published. 98.7% of responses were marked timely; the median among the 101 companies whose complaints mainly concern “Checking or savings account” is 100%.
Among those 101 peer companies the median received 103 complaints in the same 12 months. A complaint is a consumer's account and is not a finding against the company; the CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 30 Sep 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
| Measure | CULLEN/FROST BANKERS, INC. | Peer median (101 companies) | All complaints nationally |
|---|---|---|---|
| Complaints, last 12 months | 155 | 103 | 6,938,056 |
| Change on the 12 months before | 74% | 30% | 45% |
| Complaints per $1bn in assets (median of the 65 peers with this measure) | 2.87 | 2.26 | — |
| Responses marked timely | 98.7% | 100% | 99.6% |
| Closed with monetary or non-monetary relief | 10.5% | 5.9% | 31.6% |
Peers are the 101 companies on this site whose largest complaint category is Checking or savings account and that received at least 20 complaints in the last 12 months. Peer companies differ widely in size; a per-size row appears only when at least five peers share this company's size measure, and its median is taken over those peers alone.
Complaints by month
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, in the last 12 months.
- Checking or savings account111 · 71.6%
- Credit reporting or other personal consumer reports22 · 14.2%
- Money transfer, virtual currency, or money service12 · 7.7%
- Debt collection5 · 3.2%
- Credit card3 · 1.9%
- All other categories2 · 1.3%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Managing an account | 55 | 35.5% |
| Opening an account | 31 | 20% |
| Problem with a lender or other company charging your account | 13 | 8.4% |
| Incorrect information on your report | 13 | 8.4% |
| Problem with a company's investigation into an existing problem | 9 | 5.8% |
| Fraud or scam | 6 | 3.9% |
| Closing an account | 4 | 2.6% |
| Problem caused by your funds being low | 4 | 2.6% |
| Unauthorized transactions or other transaction problem | 2 | 1.3% |
| Other transaction problem | 2 | 1.3% |
| Other CFPB issue categories | 16 | 10.3% |
Checking or savings account
111 complaints in the last 12 months (71.6% of this company's total); 64 in the 12 months before. That is 0.1% of all complaints in the category nationally. 7.3% of closed complaints ended with relief; 99.1% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing an account | 55 | 49.5% |
| Opening an account | 31 | 27.9% |
| Problem with a lender or other company charging your account | 13 | 11.7% |
| Closing an account | 4 | 3.6% |
| Problem caused by your funds being low | 4 | 3.6% |
| Other CFPB issue categories | 4 | 3.6% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Checking account | 96 | 86.5% |
| Other banking product or service | 10 | 9% |
| Savings account | 5 | 4.5% |
Credit reporting or other personal consumer reports
22 complaints in the last 12 months (14.2% of this company's total); 11 in the 12 months before. That is under 0.1% of all complaints in the category nationally. 18.2% of closed complaints ended with relief; 100% of responses were timely.
Issues
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 20 | 90.9% |
| Other personal consumer report | 2 | 9.1% |
Money transfer, virtual currency, or money service
12 complaints in the last 12 months (7.7% of this company's total); 9 in the 12 months before. That is under 0.1% of all complaints in the category nationally. 16.7% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Fraud or scam | 6 | 50% |
| Unauthorized transactions or other transaction problem | 2 | 16.7% |
| Other transaction problem | 2 | 16.7% |
| Money was not available when promised | 1 | 8.3% |
| Other service problem | 1 | 8.3% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Domestic (US) money transfer | 6 | 50% |
| Mobile or digital wallet | 5 | 41.7% |
| Money order, traveler's check or cashier's check | 1 | 8.3% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints in the last 12 months.
- Closed with explanation137 · 88.4%
- Closed with monetary relief9 · 5.8%
- Closed with non-monetary relief7 · 4.5%
- In progress2 · 1.3%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Texas | 140 | 90.3% |
| New York | 2 | 1.3% |
| Georgia | 2 | 1.3% |
| Arkansas | 2 | 1.3% |
| California | 2 | 1.3% |
| Florida | 1 | 0.6% |
| Illinois | 1 | 0.6% |
| Alabama | 1 | 0.6% |
| Hawaii | 1 | 0.6% |
| Utah | 1 | 0.6% |
| Louisiana | 1 | 0.6% |
Top 11 of 11 states with at least one complaint in the last 12 months. State counts follow population and where the company does business.
Other companies in the same category
Companies whose complaints mainly concern Checking or savings account, nearest in complaint volume. Listed for navigation, in no order of merit.
Questions and answers
How many complaints has the CFPB received about CULLEN/FROST BANKERS, INC.?
155 in the 12 months to 30 Sep 2026 (89 in the 12 months before that) and 595 since 2012. 7 arrived in the last 30 days and 32 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
The FDIC-insured bank of CULLEN/FROST BANKERS, INC. reported $54 billion in assets as of 30 Jun 2026. Its 155 complaints in 12 months work out to 2.87 per $1 billion of those assets, above the median of 2.26 among the 65 peer companies in the same main category that share this size measure. Assets measure the whole institution: one with a large card or consumer-lending business has many more customers per dollar of assets than a commercial or community bank, and its figure will sit higher for that reason alone. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
71.6% of complaints in the last 12 months are filed under “Checking or savings account”. The issues selected most often were “Managing an account” (35.5%), “Opening an account” (20%), “Problem with a lender or other company charging your account” (8.4%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does CULLEN/FROST BANKERS, INC. respond to complaints?
88.4% were closed with an explanation, 4.5% with non-monetary relief and 5.8% with monetary relief; 98.7% of responses were timely (peer median 100%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 30 Sep 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. Size measure matched by name to: Frost Bank. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.