What is the most common complaint against UMB Financial Corporation?

The most common issue consumers report about UMB Financial Corporation is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 22 complaints filed with the CFPB.

Are complaints against UMB Financial Corporation increasing or decreasing?

Complaints against UMB Financial Corporation are rising. The company received 7 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is UMB Financial Corporation's reputation grade?

UMB Financial Corporation has a reputation grade of B (score: 70.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does UMB Financial Corporation respond to consumer complaints?

UMB Financial Corporation has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does UMB Financial Corporation operate?

UMB Financial Corporation has received CFPB complaints from consumers in 13 states, with the most complaints from California (3 complaints).

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

UMB Financial Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

7
Took or threatened to take negative or legal action

6
False statements or representation

4
Communication tactics

3
Written notification about debt

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record umb-financial-corporation UMB Financial Corporation

Grade B · 22 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1824 · compose #1294

VOL 22
GRADE B
12MO 7
STATES 13
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,824
COMPOSE #1,294

Volume peers

Nearest volume peer: Abrahamsen Ratchford, P.C (22 complaints)

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

UMB Financial Corporation's 22 CFPB complaints sit next to Abrahamsen Ratchford, 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 →

Distributed filing map

UMB Financial Corporation spreads filings across 13 states - California leads at only 13.6%

Despite a broad state map, UMB Financial Corporation still sits volume #1,824 against composite #1,294 - the two RankMaps diverge by 530 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 13.6% across 13 states
Seasonal peak: 2016-10 11.1%; 8–15% band · 4 filings
Divergent corpus ranks: #1,824 volume; #1,294 composite; Cleanest-composite ladder is 530 places better than volume

How does UMB Financial Corporation compare to its peers?

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

UMB FINANCIAL CORPORAT… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-06 2021-07

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	7
Took or threatened to take negative or legal action	6
False statements or representation	4
Communication tactics	3
Written notification about debt	1
Cont'd attempts collect debt not owed	1

Where do complaints against UMB Financial Corporation come from?

UMB Financial Corporation's own per-state count, not a national baseline.

California

3
Missouri

3
Florida

2
North Carolina

2
Pennsylvania

2
Texas

2
Illinois

1
Indiana

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for UMB Financial Corporation: 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: 22.

4 peers

Know your rights before responding to UMB Financial Corporation: 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.