What is the most common complaint against Mechanics Bank?

The most common issue consumers report about Mechanics Bank is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 80 complaints filed with the CFPB.

Are complaints against Mechanics Bank increasing or decreasing?

Complaints against Mechanics Bank are rising. The company received 34 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Mechanics Bank's reputation grade?

Mechanics Bank has a reputation grade of D (score: 51.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Mechanics Bank respond to consumer complaints?

Mechanics Bank has a 100% timely response rate to CFPB complaints.

In how many states does Mechanics Bank operate?

Mechanics Bank has received CFPB complaints from consumers in 15 states, with the most complaints from California (35 complaints).

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

Mechanics Bank - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

28
Took or threatened to take negative or legal action

23
False statements or representation

13
Written notification about debt

10
Communication tactics

4
Threatened to contact someone or share information improperly

2

Data updated September 2026

CFPB complaint disposition

CCDB record mechanics-bank Mechanics Bank

Grade D · 80 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #926 · compose #3936

VOL 80
GRADE D
12MO 34
STATES 15
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #926
COMPOSE #3,936

Volume peers

Nearest volume peer: Law Offices Howard Lee Schiff, P.C. (80 complaints)

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

Mechanics Bank's 80 CFPB complaints sit next to Law Offices Howard Lee Schiff, P.C. 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

43.8% of Mechanics Bank's CFPB filings land in California

High volume does not equal a clean composite: Mechanics Bank is volume #926 but composite #3,936, while California dominates the geography. Corpus placement method.

Dominant state: California 43.8%; 35 of 80 filings · 15 states touched
Seasonal peak: 2020-03 12.8%; 8–15% band · 5 filings
Divergent corpus ranks: #926 volume; #3,936 composite; Cleanest-composite ladder is 3,010 places worse than volume

How does Mechanics Bank compare to its peers?

How does MECHANICS BANK compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

MECHANICS BANK National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

99%

91%

Consumer-dispute ratelower is better

12%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-09 2020-07

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	28
Took or threatened to take negative or legal action	23
False statements or representation	13
Written notification about debt	10
Communication tactics	4
Threatened to contact someone or share information improperly	2

Where do complaints against Mechanics Bank come from?

Mechanics Bank's own per-state count, not a national baseline.

California

35
Texas

18
Arizona

5
Illinois

3
Ohio

3
Oklahoma

3
Colorado

2
Indiana

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Mechanics Bank: 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: 80.

4 peers

Know your rights before responding to Mechanics Bank: 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.