Total CFPB complaints
68
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 68 complaints
MECHANICS BANK — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about MECHANICS BANK
- Attempts to collect debt not owed
Attempts to collect debt not owed
25 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
16 complaints
- False statements or representation
False statements or representation
11 complaints
- Written notification about debt 9
Written notification about debt
9 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
D
Grade D · 54.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about MECHANICS BANK?
MECHANICS BANK has accumulated 68 total CFPB complaints across 14 states, with 24 filed in the most recent 12 months against 44 historical complaints before that window. The trailing-12-month volume represents 35.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 14 states, led by California with 31 and Texas with 14, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.9/100 places MECHANICS BANK in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
24
35.3% of total history
Rising ↑
States active
14
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
54.9/100 composite
Response-quality profile
How MECHANICS BANK performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does MECHANICS BANK compare to its peers?
MECHANICS BANK 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)
2022-10 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action16 (%)
False statements or representation11 (%)
Written notification about debt9 (%)
Attempts to collect debt not owed25 (%)
Communication tactics3 (%)
Threatened to contact someone or share information improperly2 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 14 |
| False statements or representation | Attempted to collect wrong amount | 11 |
| Written notification about debt | Didn't receive enough information to verify debt | 9 |
| Attempts to collect debt not owed | Debt is not yours | 9 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
Where do complaints against MECHANICS BANK come from?
The states where consumers have filed the most CFPB complaints against MECHANICS BANK. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against MECHANICS BANK
Across 14 states with at least one filing
- California
California
31 complaints
- Texas
Texas
14 complaints
- Arizona 5
Arizona
5 complaints
- Illinois 3
Illinois
3 complaints
- Colorado 2
Colorado
2 complaints
- Ohio 2
Ohio
2 complaints
- Indiana 2
Indiana
2 complaints
- Missouri 2
Missouri
2 complaints
Frequently Asked Questions
What is the most common complaint against MECHANICS BANK? ▼
The most common issue consumers report about MECHANICS BANK is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 68 complaints filed with the CFPB.
Are complaints against MECHANICS BANK increasing or decreasing? ▼
Complaints against MECHANICS BANK are rising. The company received 24 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: 54.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 14 states, with the most complaints from California (31 complaints).
What can I do if MECHANICS BANK 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 MECHANICS BANK 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 |