What is the most common complaint against Cullen/Frost Bankers, Inc.?

The most common issue consumers report about Cullen/Frost Bankers, Inc. is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 26 complaints filed with the CFPB.

Are complaints against Cullen/Frost Bankers, Inc. increasing or decreasing?

Complaints against Cullen/Frost Bankers, Inc. have been stable. The company received 5 complaints in the last 12 months.

What is Cullen/Frost Bankers, Inc.'s reputation grade?

Cullen/Frost Bankers, Inc. has a reputation grade of B (score: 69.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Cullen/Frost Bankers, Inc. respond to consumer complaints?

Cullen/Frost Bankers, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Cullen/Frost Bankers, Inc. operate?

Cullen/Frost Bankers, Inc. has received CFPB complaints from consumers in 5 states, with the most complaints from Texas (21 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Cullen/Frost Bankers, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

13
Written notification about debt

3
Took or threatened to take negative or legal action

3
Communication tactics

2
False statements or representation

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record cullen-frost-bankers-inc Cullen/Frost Bankers, Inc.

Grade B · 26 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1659 · compose #1398

VOL 26
GRADE B
12MO 5
STATES 5
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,659
COMPOSE #1,398

Volume peers

Nearest volume peer: Accelerated Collection Service, Inc (26 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Cullen/Frost Bankers, Inc.'s 26 CFPB complaints sit next to Accelerated Collection Service, Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

80.8% of Cullen/Frost Bankers, Inc.'s CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Texas 80.8%; 21 of 26 filings · 5 states touched
Seasonal peak: 2022-05 12.5%; 8–15% band · 3 filings
Corpus ranks: #1,659 volume; #1,398 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Cullen/Frost Bankers, Inc. compare to its peers?

How does CULLEN/FROST BANKERS, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

CULLEN/FROST BANKERS, … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-05 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	13
Written notification about debt	3
Took or threatened to take negative or legal action	3
Communication tactics	2
False statements or representation	1
Cont'd attempts collect debt not owed	1
Disclosure verification of debt	1
Electronic communications	1
Taking/threatening an illegal action	1

Where do complaints against Cullen/Frost Bankers, Inc. come from?

Cullen/Frost Bankers, Inc.'s own per-state count, not a national baseline.

Texas

21
Colorado

2
Arizona

1
Florida

1
New Mexico

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Cullen/Frost Bankers, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 26.

4 peers

Know your rights before responding to Cullen/Frost Bankers, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.