Umb Financial Corporation Consumer Complaints
Umb Financial Corporation has received 664 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 664 total complaints on file with the CFPB.
- Most complaints are about Checking or savings account (326).
- Timely response rate: 98.5%.
- Consumer disputed rate: 11.9% of resolved complaints.
Complaints by Product
The following table shows how complaints against Umb Financial Corporation break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Checking or savings account | 326 | 49.1% |
| Credit card | 99 | 14.9% |
| Bank account or service | 82 | 12.3% |
| Credit card or prepaid card | 58 | 8.7% |
| Credit reporting or other personal consumer reports | 25 | 3.8% |
| Mortgage | 22 | 3.3% |
| Debt collection | 19 | 2.9% |
| Money transfer, virtual currency, or money service | 13 | 2.0% |
| Credit reporting, credit repair services, or other personal consumer reports | 12 | 1.8% |
| Money transfers | 2 | 0.3% |
| Payday loan, title loan, or personal loan | 2 | 0.3% |
| Prepaid card | 2 | 0.3% |
| Consumer Loan | 1 | 0.2% |
| Vehicle loan or lease | 1 | 0.2% |
Most Common Issues
These are the specific issues consumers most frequently report about Umb Financial Corporation.
Company Response Breakdown
When consumers file complaints, Umb Financial Corporation responds in one of several ways. The breakdown below shows how Umb Financial Corporation has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 586 | 88.3% |
| Closed with monetary relief | 55 | 8.3% |
| Closed with non-monetary relief | 17 | 2.6% |
| Closed | 4 | 0.6% |
| Untimely response | 2 | 0.3% |
Complaints by State
Top states where consumers have filed complaints against Umb Financial Corporation.
| State | Complaints |
|---|---|
| Missouri | 131 |
| California | 53 |
| Kansas | 50 |
| Texas | 42 |
| Colorado | 41 |
| Illinois | 39 |
| New York | 28 |
| Florida | 25 |
| Arizona | 24 |
| Oklahoma | 19 |
| Pennsylvania | 16 |
| Ohio | 15 |
| Georgia | 14 |
| Indiana | 14 |
| New Mexico | 14 |
| Virginia | 12 |
| New Jersey | 11 |
| Minnesota | 10 |
| Massachusetts | 9 |
| Kentucky | 7 |
Your Rights
What to do if you have a complaint against Umb Financial Corporation
- Contact Umb Financial Corporation directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Umb Financial Corporation have?
Umb Financial Corporation has 664 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Umb Financial Corporation?
The most common issue reported is Managing an account with 217 complaints.
-
How do I file a complaint against Umb Financial Corporation?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does Umb Financial Corporation respond to complaints on time?
Umb Financial Corporation has a 98.5% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.