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

CFPB complaint data Grade D 80 complaints

Mechanics Bank - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade D.

Complaints by issue type

What consumers report about Mechanics Bank

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 54.9/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Mechanics Bank ranks ahead of 25% of the 5,283 collectors PlainCollector grades - 75% keep a cleaner CFPB record, on 80 all-time complaints and a 100% timely-response rate.

25th pct
reputation rank of 5,283 graded collectors
80
CFPB complaints, all-time
100%
answered inside the CFPB window
34
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Mechanics Bank?

Mechanics Bank has accumulated 80 total CFPB complaints across 15 states, with 34 filed in the most recent 12 months against 46 historical complaints before that window. The trailing-12-month volume represents 42.5% 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 "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 100% timely-response rate.

Complaints have been recorded across 15 states, led by California with 35 and Texas with 18. Normalized against the full CFPB collector database, the reputation score of 54.9/100 places Mechanics Bank in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

80

low-volume (CCDB)

Last 12 months

34

42.5% of all-time complaints

Rising ↑

States active

15

regional footprint

Timely response rate

100%

excellent band

Reputation grade

D

54.9/100 composite

How does Mechanics Bank's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

55 Bottom 25% higher than 25% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Mechanics Bank versus the debt-collection vertical average.

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 26.8%

Share of US states + territories with at least one filed complaint against this collector.

How does Mechanics Bank compare to its peers?

How does MECHANICS BANK compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
MECHANICS BANK National average
Complaints (last 12 mo)lower is better
34
0
268
Timely-response ratehigher is better
100%
99%
91%
Consumer-dispute ratelower is better
0%
12%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-09 2020-07

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Mechanics Bank

Across 15 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Mechanics Bank contacts you

A grade of D signals how Mechanics Bank's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Mechanics Bank and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Mechanics Bank ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 54.9/100), 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).

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

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.