Bank · complaint record
Cullen/Frost Bankers complaints
Filed under CULLEN/FROST BANKERS, INC.
Consumers have filed 607 complaints about Cullen/Frost Bankers since 2012, 151 of them in the last 12 months (+57% on the year before). It answered 98.7% on time and closed 10% with relief for the customer - less often than a typical bank. The most common problem is managing an account. It is the 45th most complained-about of 188 banks & credit unions this year.
Average response record. How it works
- Complaints on record
- 607
- Last 12 months
- 151
- Answered on time
- 98.7%
- Closed with relief
- 10%
- Last 30 days
- 2
- Rank
- #45 of 188
Since September 2012
+57% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Oct 30, 2026
Most complained-about banks & credit unions
Cullen/Frost Bankers complaints by month
The busiest month was April 2026 (23 complaints). Complaints in the last 12 months are up 57% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Cullen/Frost Bankers answered last 12 months
- Closed with monetary relief96%
- Closed with non-monetary relief64%
- Closed with explanation13690.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time39/4598.7% on time
- Relief for customers11/409.9% closed with relief
- Complaint trend4/15+57% vs last year
What Cullen/Frost Bankers complaints are about
Top Cullen/Frost Bankers problems last 12 months
Inside "Managing an account"
- Deposits and withdrawals 60
- Problem using a debit or ATM card 51
- Banking errors 27
- Funds not handled or disbursed as instructed 22
- Problem making or receiving payments 13
- Problem accessing account 6
Where Cullen/Frost Bankers complaints come from
Most complaints: Texas (545), California (5), Florida (5), Arkansas (4), Colorado (4).
Cullen/Frost Bankers compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Schoolsfirst Federal Credit UnionBank accounts | 54 | 185 | C |
| 2 | Arvest BankBank accounts | 58 | 175 | C |
| 3 | Zions BancorporationBank accounts | 59 | 173 | C |
| 4 | Commerce BankBank accounts | 46 | 163 | D |
| 5 | Cullen/Frost BankersBank accounts | 54 | 151 | C |
| 6 | Associated Banc-CorpBank accounts | 52 | 145 | C |
| 7 | Mercury TechnologiesBank accounts | 62 | 142 | C |
| 8 | Fulton FinancialBank accounts | 50 | 125 | C |
Compare side by side: Cullen/Frost Bankers vs Schoolsfirst Federal Credit Union · Cullen/Frost Bankers vs Arvest Bank · Cullen/Frost Bankers vs Zions Bancorporation · Cullen/Frost Bankers vs Commerce Bank
What people say about Cullen/Frost Bankers
All experiencesNo experiences with Cullen/Frost Bankers yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Cullen/Frost Bankers complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 30, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Oct 21, 2026 | Bank accounts | Managing an accountFee problem | Explained |
| Oct 9, 2026 | Bank accounts | Problem with a lender or other company charging your accountMoney was taken from your account on the wrong day or for the wrong amount | Explained |
| Oct 9, 2026 | Bank accounts | Managing an accountProblem making or receiving payments | Explained |
| Oct 6, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Oct 6, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Oct 2, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
| Oct 1, 2026 | Bank accounts | Opening an accountUnable to open an account | Explained |
| Sep 26, 2026 | Money transfers & apps | Fraud or scam | Explained |
| Sep 25, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Sep 22, 2026 | Money transfers & apps | Money was not available when promised | Explained |
| Sep 19, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
Questions about Cullen/Frost Bankers
How many complaints does Cullen/Frost Bankers have?
Cullen/Frost Bankers has 607 complaints on record since September 2012, including 151 in the last 12 months and 2 in the last 30 days. That makes it number 380 of every company by complaints this year.
Does Cullen/Frost Bankers respond to complaints?
Yes. Cullen/Frost Bankers answered 98.7% of its complaints on time (within 15 days) and closed 10% with relief - money back or a fix; 6% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 54/100 (grade C).
What do people complain about most with Cullen/Frost Bankers?
The most common problems are managing an account (186), opening an account (131), problem with a lender or other company charging your account (34).
Is Cullen/Frost Bankers legit?
Cullen/Frost Bankers is a real company with a public complaint record: consumers have complained about it 607 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Cullen/Frost Bankers legit? for the signals, red flags and how to protect yourself.
Are complaints about Cullen/Frost Bankers going up or down?
Up. There were 151 complaints in the last 12 months against 96 in the 12 before (+57%). See every month.
How do I file a complaint against Cullen/Frost Bankers?
Complain to Cullen/Frost Bankers in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Cullen/Frost Bankers complaints come from?
Most come from Texas (545), California (5), Florida (5). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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