Checking and savings
CULLEN/FROST Bankers: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 27
- Closed with money back
- 1
- 2023 to 2025
- 9 to 9
CULLEN/FROST Bankers received 263 complaints from everyone in the window; 27 carried the servicemember tag. The complaints are mostly about checking or savings account, and the single most common issue is "Managing an account". 1 of the 27 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count held roughly steady: 9 in 2023 and 9 in 2025.
What the complaints are about
By product
| Checking or savings account | 22 |
| Mortgage | 3 |
| Debt collection | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
By issue
| Managing an account | 14 |
| Opening an account | 5 |
| Applying for a mortgage or refinancing an existing mortgage | 2 |
| Closing an account | 2 |
| Attempts to collect debt not owed | 1 |
| 2023: 9 | 2024: 9 | 2025: 9 |
Which accounts, specifically
| Checking account | 24 |
| Home equity loan or line of credit (HELOC) | 2 |
| Conventional home mortgage | 1 |
| I do not know | 1 |
| Savings account | 1 |
What went wrong, specifically
| Deposits and withdrawals | 9 |
| Account opened as a result of fraud | 3 |
| Problem using a debit or ATM card | 3 |
| Banking errors | 2 |
| Transaction was not authorized | 2 |
Busiest month: September 2024, with 3 servicemember complaints. Most were submitted by web.
Most complaints came from TX (23), MD (3), AL (1) .
How CULLEN/FROST Bankers answered
| Closed with explanation | 25 |
| Closed with monetary relief | 1 |
| Closed with non-monetary relief | 1 |
CULLEN/FROST Bankers responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Checking or savings account; Opening an account. TX, 2024-04-02. Outcome: Closed with explanation. Complaint 8680953
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Checking or savings account; Managing an account. TX, 2024-03-22. Outcome: Closed with explanation. Complaint 8603958
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Checking or savings account; Managing an account. TX, 2023-11-14. Outcome: Closed with explanation. Complaint 7847860
If this is your problem at CULLEN/FROST Bankers
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with checking and savings peers
- Morgan Stanley & 28 servicemember complaints; 1 with money back
- First Horizon Bank 26 servicemember complaints; 3 with money back
- First National Bank Of Pennsylvania 25 servicemember complaints; 4 with money back
- Global Credit Union 25 servicemember complaints; 4 with money back
- Revolut Technologies 25 servicemember complaints; 2 with money back
Next in the directory by volume: DriveTime, Kashable, Cig Financial.
Frequently asked questions
How many complaints did servicemembers file against CULLEN/FROST Bankers?
27 complaints tagged servicemember were received by the CFPB about CULLEN/FROST BANKERS, INC. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count held roughly steady: 9 in 2023 and 9 in 2025.
What do servicemembers complain about most at CULLEN/FROST Bankers?
Checking or savings account accounts for 22 of the 27 complaints, and the most common issue is "Managing an account" (14). Next: "Opening an account" (5).
Does CULLEN/FROST Bankers give money back when a servicemember complains?
1 of the 27 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 1 closed with non-monetary relief and 25 closed with an explanation only. CULLEN/FROST Bankers answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.