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

CFPB complaint data Grade C 15 complaints

NBT Bancorp Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade C.

Complaints by issue type

What consumers report about NBT Bancorp Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record nbt-bancorp-inc NBT Bancorp Inc.

Grade C · 15 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action

  • VOL 15
  • GRADE C
  • 12MO 4
  • STATES 8
  • TIMELY 100%
  • ISSUE Took or threatened to take…
  • RANK #2,153
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Accounts Advocate Agency (15 complaints)

Accounts Advocate AgencyAccounts Advocate Agency15Advanced Resolution Services Inc.Advanced Resolution Services…15American Credit AdjustersAmerican Credit Adjusters15Automated Accounts, Inc.Automated Accounts, Inc.15NBT Bancorp Inc. (this)NBT Bancorp Inc. (this)15
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

NBT Bancorp Inc.'s 15 CFPB complaints sit next to Accounts Advocate Agency 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 →

How the 15 complaints break down

Every complaint issue type on record for NBT Bancorp Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
59.7/100
NBT Bancorp Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume C
15
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Pennsylvania is the plurality state for NBT Bancorp Inc. (26.7%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Pennsylvania 26.7%
Mid-band (15–30%) · 8 states with ≥1 filing
Seasonal peak
2021-10 9.1%
8–15% band · 3 filings
Corpus ranks
#2,153 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does NBT Bancorp Inc. compare to its peers?

How does NBT BANCORP 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
NBT BANCORP INC. National average
Complaints (last 12 mo)lower is better
4
4
268
Timely-response ratehigher is better
100%
85%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy NBT Bancorp Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 5 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100% 0%20%40%60% Timely response rate (%) Dispute rate (%) NBT Bancorp Inc. vs. 5 similar-volume peers, by response speed and dispute rate Miguel A. Maza & Associates, PSCMicroBilt / PRBC (formerly CL Verify)Neuheisel Law Firm, P.C.Merchants Credit Assoc. Inc SCMISSION FINANCIAL SERVICES CORPORATION
Source: CFPB Consumer Complaint Database

NBT Bancorp Inc.'s complaint volume in context

NBT Bancorp Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

15 60th percentile higher than 60% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. NBT Bancorp Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2018-01 2025-12

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
5
Attempts to collect debt not owed
4
Written notification about debt
3
False statements or representation
1
Communication tactics
1
Threatened to contact someone or share information improperly
1

Where do complaints against NBT Bancorp Inc. come from?

NBT Bancorp Inc.'s own per-state count, not a national baseline.

Top states by complaints against NBT Bancorp Inc.

Across 8 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for NBT Bancorp 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: 15.

4 peers

Know your rights before responding to NBT Bancorp 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.