Bank · complaint record
NBT Bancorp complaints
Filed under NBT BANCORP INC.
Consumers have filed 212 complaints about NBT Bancorp since 2021, 61 of them in the last 12 months (+30% on the year before). It answered 100% on time and closed 19% with relief for the customer - about the same as a typical bank. The most common problem is managing an account.
Good response record. How it works
- Complaints on record
- 212
- Last 12 months
- 61
- Answered on time
- 100%
- Closed with relief
- 19%
- Last 30 days
- 5
- Rank
- #74 of 188
Since July 2021
+30% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Oct 30, 2026
Most complained-about banks & credit unions
NBT Bancorp complaints by month
The busiest month was April 2026 (11 complaints). Complaints in the last 12 months are up 30% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How NBT Bancorp answered last 12 months
- Closed with monetary relief34.9%
- Closed with non-monetary relief813.1%
- Closed with explanation4777%
- In progress34.9%
"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 customers20/4019% closed with relief
- Complaint trend7/15+30% vs last year
What NBT Bancorp complaints are about
Top NBT Bancorp problems last 12 months
Inside "Managing an account"
- Problem using a debit or ATM card 13
- Banking errors 10
- Deposits and withdrawals 8
- Funds not handled or disbursed as instructed 6
- Problem accessing account 5
- Problem making or receiving payments 2
Where NBT Bancorp complaints come from
Most complaints: New York (101), Pennsylvania (29), Florida (12), Massachusetts (8), California (7).
NBT Bancorp compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Lake Michigan Credit UnionBank accounts | 58 | 67 | C |
| 2 | Bank OzkBank accounts | 52 | 66 | C |
| 3 | Cadence BankBank accounts | 93 | 62 | A |
| 4 | NBT BancorpBank accounts | 72 | 61 | B |
| 5 | Prosperity BancsharesBank accounts | 65 | 59 | B |
| 6 | Novo PlatformBank accounts | 17 | 58 | F |
| 7 | Bank of HawaiiBank accounts | 49 | 57 | D |
| 8 | Idaho Central Credit UnionBank accounts | 64 | 56 | C |
Compare side by side: NBT Bancorp vs Lake Michigan Credit Union · NBT Bancorp vs Bank Ozk · NBT Bancorp vs Cadence Bank · NBT Bancorp vs Prosperity Bancshares
What people say about NBT Bancorp
All experiencesNo experiences with NBT Bancorp yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest NBT Bancorp complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 30, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | In progress |
| Oct 28, 2026 | Credit reporting | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Oct 21, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | In progress |
| Oct 21, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Oct 17, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Oct 13, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 30, 2026 | Bank accounts | Closing an accountCan't close your account | Explained |
| Sep 23, 2026 | Bank accounts | Problem caused by your funds being lowNon-sufficient funds and associated fees | Explained |
| Sep 21, 2026 | Mortgages | Trouble during payment processFees charged | Fixed |
| Sep 13, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Sep 12, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Sep 9, 2026 | Bank accounts | Problem caused by your funds being lowBounced checks or returned payments | Explained |
Questions about NBT Bancorp
How many complaints does NBT Bancorp have?
NBT Bancorp has 212 complaints on record since July 2021, including 61 in the last 12 months and 5 in the last 30 days. That makes it number 613 of every company by complaints this year.
Does NBT Bancorp respond to complaints?
Yes. NBT Bancorp answered 100% of its complaints on time (within 15 days) and closed 19% with relief - money back or a fix; 5.2% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 72/100 (grade B).
What do people complain about most with NBT Bancorp?
The most common problems are managing an account (47), problem with a lender or other company charging your account (12), problem caused by your funds being low (10).
Is NBT Bancorp legit?
NBT Bancorp is a real company with a public complaint record: consumers have complained about it 212 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is NBT Bancorp legit? for the signals, red flags and how to protect yourself.
Are complaints about NBT Bancorp going up or down?
Up. There were 61 complaints in the last 12 months against 47 in the 12 before (+30%). See every month.
How do I file a complaint against NBT Bancorp?
Complain to NBT Bancorp 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 NBT Bancorp complaints come from?
Most come from New York (101), Pennsylvania (29), Florida (12). 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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