Bank · complaint record
UMB Financial complaints
Filed under UMB FINANCIAL CORPORATION
Consumers have filed 740 complaints about UMB Financial since 2012, 123 of them in the last 12 months (+37% on the year before). It answered 98.4% on time and closed 12% with relief for the customer - less often than a typical bank. The most common problem is managing an account. It is the 49th most complained-about of 188 banks & credit unions this year.
Average response record. How it works
- Complaints on record
- 740
- Last 12 months
- 123
- Answered on time
- 98.4%
- Closed with relief
- 12%
- Last 30 days
- 9
- Rank
- #49 of 188
Since March 2012
+37% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Oct 29, 2026
Most complained-about banks & credit unions
UMB Financial complaints by month
The busiest month was September 2026 (17 complaints). Complaints in the last 12 months are up 37% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How UMB Financial answered last 12 months
- Closed with monetary relief1411.4%
- Closed with explanation10686.2%
- In progress32.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time38/4598.4% on time
- Relief for customers13/4011.7% closed with relief
- Complaint trend6/15+37% vs last year
What UMB Financial complaints are about
Top UMB Financial problems last 12 months
Inside "Managing an account"
- Deposits and withdrawals 87
- Funds not handled or disbursed as instructed 38
- Fee problem 30
- Banking errors 26
- Problem accessing account 25
- Problem using a debit or ATM card 20
Where UMB Financial complaints come from
Most complaints: Missouri (142), California (64), Kansas (53), Colorado (45), Illinois (44).
UMB Financial compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Mercury TechnologiesBank accounts | 62 | 142 | C |
| 2 | Fulton FinancialBank accounts | 50 | 125 | C |
| 3 | UMB FinancialBank accounts | 57 | 123 | C |
| 4 | Acorns GrowBank accounts | 45 | 118 | D |
| 5 | Old National BancorpBank accounts | 63 | 113 | C |
| 6 | Bank of New York MellonBank accounts | 28 | 112 | F |
| 7 | Ameris BancorpBank accounts | 48 | 112 | D |
| 8 | First National Bank of PennsylvaniaBank accounts | 69 | 108 | B |
Compare side by side: UMB Financial vs Mercury Technologies · UMB Financial vs Fulton Financial · UMB Financial vs Acorns Grow · UMB Financial vs Old National Bancorp
What people say about UMB Financial
All experiencesNo experiences with UMB Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest UMB Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 29, 2026 | Mortgages | Closing on a mortgageFees or costs after closing | Explained |
| Oct 29, 2026 | Bank accounts | Managing an accountProblem accessing account | Explained |
| Oct 29, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Money back |
| Oct 22, 2026 | Credit cards | Advertising and marketing, including promotional offersDidn't receive advertised or promotional terms | Explained |
| Oct 20, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | In progress |
| Oct 20, 2026 | Credit cards | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 20, 2026 | Bank accounts | Managing an accountFunds not handled or disbursed as instructed | Explained |
| Oct 20, 2026 | Credit cards | Other features, terms, or problemsOther problem | Explained |
| Oct 18, 2026 | Money transfers & apps | Fraud or scam | In progress |
| Oct 14, 2026 | Bank accounts | Managing an accountFunds not handled or disbursed as instructed | Explained |
| Oct 14, 2026 | Bank accounts | Managing an accountProblem making or receiving payments | Explained |
| Oct 12, 2026 | Bank accounts | Problem caused by your funds being lowOverdrafts and overdraft fees | In progress |
Questions about UMB Financial
How many complaints does UMB Financial have?
UMB Financial has 740 complaints on record since March 2012, including 123 in the last 12 months and 9 in the last 30 days. That makes it number 427 of every company by complaints this year.
Does UMB Financial respond to complaints?
Yes. UMB Financial answered 98.4% of its complaints on time (within 15 days) and closed 12% with relief - money back or a fix; 11.7% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 57/100 (grade C).
What do people complain about most with UMB Financial?
The most common problems are managing an account (244), problem with a purchase shown on your statement (41), other features, terms, or problems (26).
Is UMB Financial legit?
UMB Financial is a real company with a public complaint record: consumers have complained about it 740 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is UMB Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about UMB Financial going up or down?
Up. There were 123 complaints in the last 12 months against 90 in the 12 before (+37%). See every month.
How do I file a complaint against UMB Financial?
Complain to UMB Financial 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 UMB Financial complaints come from?
Most come from Missouri (142), California (64), Kansas (53). 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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