Debt collector · complaint record
Mechanics Bank complaints
Consumers have filed 608 complaints about Mechanics Bank since 2019, 80 of them in the last 12 months (-33% on the year before). It answered 100% on time and closed 1% with relief for the customer - less often than a typical debt collector. The most common problem is incorrect information on your report.
Average response record. How it works
- Complaints on record
- 608
- Last 12 months
- 80
- Answered on time
- 100%
- Closed with relief
- 1%
- Last 30 days
- 1
- Rank
- #238 of 1,963
Since October 2019
-33% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 19, 2026
Most complained-about debt collectors
Mechanics Bank complaints by month
The busiest month was June 2025 (16 complaints). Complaints in the last 12 months are down 33% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Mechanics Bank answered last 12 months
- Closed with monetary relief11.2%
- Closed with explanation7998.8%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers1/401.2% closed with relief
- Complaint trend15/15-33% vs last year
What Mechanics Bank complaints are about
Top Mechanics Bank problems last 12 months
Inside "Incorrect information on your report"
- Account status incorrect 48
- Information belongs to someone else 46
- Account information incorrect 30
- Old information reappears or never goes away 4
- Personal information incorrect 4
- Information is missing that should be on the report 2
Where Mechanics Bank complaints come from
Most complaints: California (295), Texas (83), Illinois (36), Arizona (30), Nevada (19).
Mechanics Bank compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Stenger & Stenger, P.CDebt collection | 55 | 81 | C |
| 2 | Media CollectionsDebt collection | 91 | 81 | A |
| 3 | Capstone Credit & CollectionDebt collection | 55 | 80 | C |
| 4 | The Stark Collection AgencyDebt collection | 6 | 80 | F |
| 5 | Tenaglia & Hunt, PADebt collection | 54 | 80 | C |
| 6 | TelerecoveryDebt collection | 9 | 80 | F |
| 7 | Mechanics BankDebt collection | 61 | 80 | C |
| 8 | KLS Financial ServicesDebt collection | 8 | 79 | F |
Compare side by side: Mechanics Bank vs Stenger & Stenger, P.C · Mechanics Bank vs Media Collections · Mechanics Bank vs Capstone Credit & Collection · Mechanics Bank vs The Stark Collection Agency
What people say about Mechanics Bank
All experiencesNo experiences with Mechanics Bank yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Mechanics Bank complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 19, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 24, 2026 | Bank accounts | Problem caused by your funds being lowNon-sufficient funds and associated fees | Explained |
| Sep 11, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Sep 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 8, 2026 | Mortgages | Trouble during payment processPaying off the loan | Explained |
| Sep 3, 2026 | Bank accounts | Managing an accountBanking errors | Explained |
| Aug 28, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Aug 26, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Aug 25, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Aug 18, 2026 | Auto loans & leases | RepossessionNotice to repossess | Explained |
| Aug 8, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
Questions about Mechanics Bank
How many complaints does Mechanics Bank have?
Mechanics Bank has 608 complaints on record since October 2019, including 80 in the last 12 months and 1 in the last 30 days. That makes it number 535 of every company by complaints this year.
Does Mechanics Bank respond to complaints?
Yes. Mechanics Bank answered 100% of its complaints on time (within 15 days) and closed 1% with relief - money back or a fix; 1.2% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 61/100 (grade C).
What do people complain about most with Mechanics Bank?
The most common problems are incorrect information on your report (134), took or threatened to take negative or legal action (24), managing an account (68).
Is Mechanics Bank legit?
Mechanics Bank is a real company with a public complaint record: consumers have complained about it 608 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Mechanics Bank legit? for the signals, red flags and how to protect yourself.
Are complaints about Mechanics Bank going up or down?
Down. There were 80 complaints in the last 12 months against 119 in the 12 before (-33%). See every month.
How do I file a complaint against Mechanics Bank?
Complain to Mechanics Bank 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 Mechanics Bank complaints come from?
Most come from California (295), Texas (83), Illinois (36). 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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