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Data / Consumer complaints / NBT Bancorp Inc.

NBT Bancorp Inc.: 133 CFPB consumer complaints in the last 3 years

NBT Bancorp Inc. drew 133 consumer complaints in the CFPB database in the three years to November 6, 2026, and 212 since 2021. The largest group, 58, was about checking or savings account, and the most common issue was “Managing an account” with 33. The company responded on time to 100.0% of the complaints, and 23.3% closed with monetary or other relief. The CFPB records the company as NBT BANCORP INC..

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every checking or savings account companyGet checking or savings account in New York
  • 133Complaints, last 3 years
  • 212Complaints, all years
  • 100.0%Responded on time
  • 23.3%Closed with relief
  • 8Products
  • Oct 30, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 652
202549
202428
202331
202235
202117

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Checking or savings account5843.6%
Payday loan, title loan, personal loan, or advance loan2216.5%
Mortgage1410.5%
Vehicle loan or lease139.8%
Credit reporting or other personal consumer reports118.3%
Debt collection107.5%
Money transfer, virtual currency, or money service43%
Credit card10.8%

Issues

IssueComplaintsShare
Managing an account3324.8%
Incorrect information on your report96.8%
Problem with a lender or other company charging your account96.8%
Charged fees or interest you didn't expect86%
Problem caused by your funds being low86%
Managing the loan or lease64.5%
Trouble during payment process64.5%
Closing an account53.8%
Closing on a mortgage43%
Getting the loan43%
Problem when making payments43%
Opening an account32.3%
Problem with a company's investigation into an existing problem32.3%
Took or threatened to take negative or legal action32.3%
Applying for a mortgage or refinancing an existing mortgage21.5%
Attempts to collect debt not owed21.5%
False statements or representation21.5%
Fraud or scam21.5%
Getting a loan or lease21.5%
Improper use of your report21.5%
Repossession21.5%
Struggling to pay mortgage21.5%
Struggling to pay your loan21.5%
Written notification about debt21.5%
Can't contact lender or servicer10.8%

How the company responded

Company responseComplaintsShare
Closed with explanation9974.4%
Closed with monetary relief1914.3%
Closed with non-monetary relief129%
In progress32.3%

States

StateComplaintsShare
New York6851.1%
Pennsylvania1712.8%
Florida96.8%
Connecticut64.5%
Hawaii43%
Massachusetts32.3%
New Hampshire32.3%
New Jersey32.3%
California21.5%
Ohio21.5%
Rhode Island21.5%
Texas21.5%
Arizona10.8%
Louisiana10.8%
Maine10.8%
Montana10.8%
North Carolina10.8%
Nevada10.8%
South Carolina10.8%
Utah10.8%
Vermont10.8%
Wyoming10.8%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 30, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
October 28, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 21, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
October 21, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 17, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 13, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 30, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
September 23, 2026Checking or savings accountProblem caused by your funds being lowClosed with explanationconsumerfinance.gov
September 21, 2026MortgageTrouble during payment processClosed with non-monetary reliefconsumerfinance.gov
September 13, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 12, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 9, 2026Checking or savings accountProblem caused by your funds being lowClosed with explanationconsumerfinance.gov
September 4, 2026Checking or savings accountProblem caused by your funds being lowClosed with monetary reliefconsumerfinance.gov
August 21, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 16, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanIn progressconsumerfinance.gov
August 14, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 4, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
August 4, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 3, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
July 31, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
July 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 18, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 13, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
July 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 10, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
July 8, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 1, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with non-monetary reliefconsumerfinance.gov
June 29, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 10, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
June 8, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
May 24, 2026Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
May 21, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
April 24, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 22, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
April 15, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 15, 2026Checking or savings accountManaging an accountClosed with non-monetary reliefconsumerfinance.gov
April 15, 2026Checking or savings accountManaging an accountClosed with non-monetary reliefconsumerfinance.gov
April 15, 2026Checking or savings accountManaging an accountClosed with non-monetary reliefconsumerfinance.gov
April 15, 2026Checking or savings accountManaging an accountClosed with non-monetary reliefconsumerfinance.gov
April 15, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with non-monetary reliefconsumerfinance.gov
April 15, 2026Checking or savings accountManaging an accountClosed with non-monetary reliefconsumerfinance.gov
April 8, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
April 8, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
March 21, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 19, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
March 10, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
February 17, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
February 7, 2026Money transfer, virtual currency, or money serviceUnauthorized transactions or other transaction problemClosed with explanationconsumerfinance.gov
February 4, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
February 1, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.