Total CFPB complaints
19
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 19 complaints
UMB FINANCIAL CORPORATION — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about UMB FINANCIAL CORPORATION
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- False statements or representation
False statements or representation
4 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Communication tactics
Communication tactics
3 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
B
Grade B · 74.2/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about UMB FINANCIAL CORPORATION?
UMB FINANCIAL CORPORATION has accumulated 19 total CFPB complaints across 12 states, with 6 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 31.6% 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 "Debt was result of identity theft", 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 against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 12 states, led by California with 2 and Texas with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 74.2/100 places UMB FINANCIAL CORPORATION in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
31.6% of total history
Rising ↑
States active
12
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
74.2/100 composite
Response-quality profile
How UMB FINANCIAL CORPORATION 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.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 21.4%
Share of US states + territories with at least one filed complaint against this collector.
How does UMB FINANCIAL CORPORATION compare to its peers?
UMB FINANCIAL CORPORAT… 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)
2014-09 2026-03
Top Consumer Issues
Attempts to collect debt not owed6 (%)
False statements or representation4 (%)
Took or threatened to take negative or legal action4 (%)
Communication tactics3 (%)
Written notification about debt1 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Communication tactics | Threatened to take legal action | 2 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against UMB FINANCIAL CORPORATION come from?
The states where consumers have filed the most CFPB complaints against UMB FINANCIAL CORPORATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against UMB FINANCIAL CORPORATION
Across 12 states with at least one filing
- California
California
2 complaints
- Texas
Texas
2 complaints
- North Carolina
North Carolina
2 complaints
- Pennsylvania
Pennsylvania
2 complaints
- Missouri
Missouri
2 complaints
- Florida
Florida
2 complaints
- Minnesota
Minnesota
1 complaints
- Indiana
Indiana
1 complaints
Frequently Asked Questions
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 19 complaints filed with the CFPB.
Are complaints against UMB FINANCIAL CORPORATION increasing or decreasing? ▼
Complaints against UMB FINANCIAL CORPORATION are rising. The company received 6 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: 74.2/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 12 states, with the most complaints from California (2 complaints).
What can I do if UMB FINANCIAL CORPORATION 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 UMB FINANCIAL CORPORATION 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 |