Total CFPB complaints
69
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 69 complaints
CIT BANK, NATIONAL ASSOCIATION — Debt Collector Complaint Profile
CFPB complaint profile across 25 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CIT BANK, NATIONAL ASSOCIATION
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
20 complaints
- False statements or representation
False statements or representation
11 complaints
- Disclosure verification of debt 7
Disclosure verification of debt
7 complaints
- Took or threatened to take negative or legal action 4
Took or threatened to take negative or legal action
4 complaints
- Attempts to collect debt not owed 4
Attempts to collect debt not owed
4 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
C
Grade C · 61.8/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about CIT BANK, NATIONAL ASSOCIATION?
CIT BANK, NATIONAL ASSOCIATION has accumulated 69 total CFPB complaints across 25 states, with 0 filed in the most recent 12 months against 69 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 20% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 25 states, led by California with 15 and Florida with 11, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.8/100 places CIT BANK, NATIONAL ASSOCIATION in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
25
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
C
61.8/100 composite
Response-quality profile
How CIT BANK, NATIONAL ASSOCIATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 44.6%
Share of US states + territories with at least one filed complaint against this collector.
How does CIT BANK, NATIONAL ASSOCIATION compare to its peers?
CIT BANK, NATIONAL ASS… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2017-03 2021-12
Top Consumer Issues
False statements or representation11 (%)
Cont'd attempts collect debt not owed20 (%)
Disclosure verification of debt7 (%)
Took or threatened to take negative or legal action4 (%)
Attempts to collect debt not owed4 (%)
Written notification about debt3 (%)
Taking/threatening an illegal action3 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 11 |
| Cont'd attempts collect debt not owed | Debt was paid | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 7 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 5 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 4 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 3 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 3 |
Where do complaints against CIT BANK, NATIONAL ASSOCIATION come from?
The states where consumers have filed the most CFPB complaints against CIT BANK, NATIONAL ASSOCIATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CIT BANK, NATIONAL ASSOCIATION
Across 25 states with at least one filing
- California
California
15 complaints
- Florida
Florida
11 complaints
- New York 4
New York
4 complaints
- Virginia 4
Virginia
4 complaints
- New Jersey 4
New Jersey
4 complaints
- Pennsylvania 4
Pennsylvania
4 complaints
- Maryland 3
Maryland
3 complaints
- Georgia 3
Georgia
3 complaints
Frequently Asked Questions
What is the most common complaint against CIT BANK, NATIONAL ASSOCIATION? ▼
The most common issue consumers report about CIT BANK, NATIONAL ASSOCIATION is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 69 complaints filed with the CFPB.
Are complaints against CIT BANK, NATIONAL ASSOCIATION increasing or decreasing? ▼
Complaints against CIT BANK, NATIONAL ASSOCIATION have been stable. The company received 0 complaints in the last 12 months.
What is CIT BANK, NATIONAL ASSOCIATION's reputation grade? ▼
CIT BANK, NATIONAL ASSOCIATION has a reputation grade of C (score: 61.8/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does CIT BANK, NATIONAL ASSOCIATION respond to consumer complaints? ▼
CIT BANK, NATIONAL ASSOCIATION has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does CIT BANK, NATIONAL ASSOCIATION operate? ▼
CIT BANK, NATIONAL ASSOCIATION has received CFPB complaints from consumers in 25 states, with the most complaints from California (15 complaints).
What can I do if CIT BANK, NATIONAL ASSOCIATION is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If CIT BANK, NATIONAL ASSOCIATION violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |