Complaints

This profile includes complaints for Texas Capital Bank, N.A.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Texas Capital Bank, N.A. has 13 locations, listed below.

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• 

  Texas Capital Bank, N.A.

  2000 McKinney Ave Ste 700 Dallas, TX 75201-1985

• 

  Texas Capital Bank, N.A.

  2000 McKinney Ave STE 190 Dallas, TX 75201-1954

• 

  Texas Capital Bank, N.A.

  14131 Midway Rd Ste 100 Addison, TX 75001-3633

• 

  Texas Capital Bank, N.A.

  2350 Lakeside Blvd STE 105 Richardson, TX 75082-4312

• 

  Texas Capital Bank, N.A.

  300 Throckmorton St Ste 200 Fort Worth, TX 76102

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a text message from my bank saying that there was fraud activity on my bank account. I tried calling my bank to confirm, but every time I called my bank, i would get a call from my "bank", which i later found out was the scammer. I finally just answered the "bank" calling me they asked me for some codes to "confirm it was me." But they were actually getting into my account to wire transfer all my money. They confirmed some of the purchases on my account to make sure it wasn't fraud and said my account will be accessible the next day. Later that night my bank sent out an email saying there were scammers that were calling from a spoof number posing as the fraud department. I checked my account and both my savings and checkings had been drained. They wired out over $4,000 to an account that was in the ***********************. I immediately reported the fraud to my bank and they froze my account. This was over a month ago and my bank has yet to make contact with the other bank and are saying its all my fault the money got stolen. They will not be reimbursing me if they don't recover the funds from the other bank.

  Business Response

  Date: 07/15/2025

  Thank you for bringing this issue to our attention, we have received the complaint regarding the above referenced matter. In order to protect our customers privacy, we have provided a response letter to the customer on 7/15/2025. Please let us know if you need if you need any additional information. 

• Initial Complaint

  Date:06/19/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Texas Capital Bank offered no protection of any kind on our commercial business account with all of our working capital in it. We have banked with them for several years. We have protocaols in place where any wire transfers must be verified and so far they all have been and then we were hit with fraud on our business savings account. We never dreamed we would have a business account with so much money and that this bank would not have had any type of protection on it for wire transfers or fraud. We were hit with fraud which we believe might have been from an internal source at the bank they knew so much about our accounts. They stole $222,000.00 from our business savings account. Our representatives simply could have cared less. We worked tirelessly trying to push them to communicate and so far we recovered all but $35,000.00 due to the swift actions of our CFO. Our bankers did nothing to try to communicate anything to us about the retrieval of the funds and of course we are all very upset that we saw them tuck their tails and tun. Then they sent us a note canceling us as their client and giving us 30 days to move all of our money because we have complained about how poorly that have handled the fraud. I have never seen any bankers blame their clients for their mistakes but they have ran and hidden

  Business Response

  Date: 07/03/2025

  Thank you for bringing this issue to our attention, we have received the complaint regarding the above referenced matter. In order to protect our customers privacy, we have provided a response letter to the customer on 7/3/2025. Please let us know if you need if you need any additional information. 

  Customer Answer

  Date: 07/03/2025

  I am rejecting this response because: 

  All of this is a lie, first of all the call initially came to us from Texas Capital Bank and its 877-phone number. We believe the fraud is an inside job that is from within the bank. We did not give the false banker any account numbers or any type of information about any of our accounts, the representative that called us already had everything ahead of the call, when they called us. Secondly, Texas Capital Bank did nothing to help us until we got our lawyers involved. They immediately asked us to leave their bank.   They would not have given a dime back to us, plus, they threw us out of their bank giving us two weeks to move all of our business and personal accounts into a new bank and cut off our operating credit cards of which we do our business with, and this risk could have cost us our entire business. When we did move money, they took it back and charged us overdraft fees. We have spent thousands with our lawyer in order to make them follow their own protocols. Read all of message 5 where they admit they verify wire transfers, but they did not.

  Yesterday, we got an email from the ** of Texas Capital Bank, ******** ****, wherein they were about to release another fraudulent transfer to the same person, they made the first fraudulent transfer to on June 5th. 2025. the bank is clearly unstable and does not enforce their own protocols. We have asked for the remainder of our money back 

   

  Business Response

  Date: 07/10/2025

  Thank you for reaching out. We sincerely apologize for any frustration or inconvenience youve experienced regarding this matter. We have responded directly to the appropriate parties that you designated in reference to your follow up inquiry.  We appreciate your understanding and cooperation in the matter.  Thank you, Texas Capital Compliance Advisory Services

• Initial Complaint

  Date:11/09/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened a high yield savings on August 12th. On October 17th they closed my account without notice and allegedly sent me a check to the wrong address. I was initially told that there was suspicion of fraud. I never had a debit card and the only transaction was the ****** I deposited when I opened it. Everyone I talk to including the fraud department could not tell me anything about the reason it was closed. After a month and filing a complaint with the **** I finally got my money but still no explanation.

  Business Response

  Date: 12/04/2024

  Thank you for bringing this issue to our attention, we have received the complaint regarding the above referenced matter. In order to protect our customers privacy, we have provided a response letter to the customer on 12/4/2024. Please let us know if you need if you need any additional information. 

• Initial Complaint

  Date:05/31/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing urgently to address errors on my credit report caused by the sharing of my personal information with credit bureaus, which has resulted in significant financial and emotional distress.According to 15 USC 1681 Section 602, I have the right to financial privacy and expect my information to remain confidential.Additionally, per 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot disclose account details without my explicit consent, which I have not provided.The discrepancies associated with AUSTIN ******************** BANK SS have negatively affected my financial situation and require immediate correction.Furthermore, compliance with 15 USC 1666(b) is crucial, as it prohibits creditors from treating credit card payments as late under specific conditions.For your reference, here are my account details:Account Number: *********I request a thorough review of my account, prompt correction of the credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.Sincerely,*************************

  Business Response

  Date: 06/17/2024

  Thank you for bringing this issue to our attention, we have received the complaint regarding the above referenced matter. In order to protect our customers privacy, we have provided a response letter to the customer on MM/DD/year. Please let us know if you need if you need any additional information. 

• Initial Complaint

  Date:05/24/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I went online to apply for a high yield savings account and was told that my account was denied with absolutely no reasoning (despite my credit score being excellent and having an plenty of funds to transfer into the account). I contacted the bank as well as their online support and was told that they have no reason for the denial. In addition, was told that I would have to wait 30 days to re-apply for the savings account that they had advertised. This customer service is a disgrace to the banking industry and is uncalled for. I understand that they have the right to deny someone, but the fact that they can deny you without a reason is unbelievable!

  Business Response

  Date: 07/01/2024

  Thank you for bringing this issue to our attention, we have received the complaint regarding the above referenced matter. In order to protect our customers privacy, we have provided a response letter to the customer on 7/1/2024. Please let us know if you need if you need any additional information. 

  Customer Answer

  Date: 07/02/2024

  I am rejecting this response because I never received an email from the bank on 5/24 and I would like proof of that response. In addition, they state that they are unable to open an account based on criteria, but they did not provide a clear response as to why. I would also like a reason as to why I was denied an account that is directly related to my creditworthiness. If they cannot provide proof that I personally was denied the account based on my own creditworthiness, then I feel that they have falsely marketed an account that they do not intend to provide to people who can afford to maintain a balance that requires them to deliver what they are advertising.

  Business Response

  Date: 07/05/2024

  In order to protect our customers privacy, we have provided a response letter to the customer on 7/5/24. Please let us know if you need if you need any additional information. 
  

  Customer Answer

  Date: 07/11/2024

  I am rejecting this response because the document provided was never sent or received and does not prove that it was emailed at the time of rejection. I would like a copy of my online request showing all of the information that I provided to see what errors they are referring to.

• Initial Complaint

  Date:03/23/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I sold my car on Thursday 3/14/24. I deposited my bank draft check from CarMax for ********* into my new Texas Capital checking account. They put a 9 day hold on it which was expected. The following Friday (3/22/24) comes along and I log in to discover my account frozen and my check from CarMax processed and available. (As expected) So Ive tried to call the number they said to call numerous times interacting with nasty employees who cant seem to reach anyone in fraud but will repeatedly tell you they are gonna put a ticket in? I need those funds and they arent moving with urgency at all. At this point, I dont wanna deal with this institution I just want to close my account and receive my cashiers check. The run around they are giving me is so unprofessional. I have yet to hear from their fraud department so it makes me wonder if this company is fraud itself. I will not recommend this bank to anyone based off my experience with them. I called again today, 3/23/24. I speak with a rep who once again says shell submit my information and someone SHOULD reach out on Monday. SHOULD but not a guarantee. It takes 5 days for this company to do something that can be handled in 5 minutes, literally. How unprofessional can this company be? I demand someone reach out to me ASAP so we can resolve this matter, close my account and I can be done with Texas Capital Bank.

  Business Response

  Date: 04/09/2024

  Thank you for bringing this issue to our attention, we have received the complaint regarding the above referenced matter. In order to protect our customers privacy, we have provided a response letter to the customer on 03/23/2024. Please let us know if you need if you need any additional information. 

• Initial Complaint

  Date:08/10/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Bank denied my application for thousands reasons which it dont make sense i input everything correctly and I dont have a way go to the branch . The bank hasnt provided any evidence or didnt ask for proof of income or ID from me

  Business Response

  Date: 08/23/2023

  On 8/10/2023, The customer applied for a ********************************************* Bank Star Plus Checking account and the application was rejected due to the information provided. The customer was provided with an email indicating the possible reasons the account could not be opened on the same day (SEE BELOW). Texas Capital Bank encourages all customers to re-apply in 30 days after an original application.
  
  Texas Capital Bask uses multiple third-party verification services to authenticate the identity and banking history of applicants. This helps Bask remain compliant with federal regulations while protecting the identities and assets of its customers. Although were unable to provide specific details regarding the decision of your application, below are some common reasons applications may not be approved:
  Your application may have contained an error or typo.
  The information provided could not be verified as your information.
  Your application was submitted from outside of *****************.
  Multiple applications were submitted with inconsistent information.
  Documents submitted were unreadable or expired. 

  Customer Answer

  Date: 08/23/2023

  I am rejecting this response because:   
  

  I type everything correctly 

  I live in ************* 

  do yall use Chexsystems? If you do please cancel my application my credit is bad with this company 

  Business Response

  Date: 08/23/2023

  The customer was encouraged to reapply in 30 days. 

• Initial Complaint

  Date:08/29/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was Charged of interest instead paying over amount for which they have no explanation, I ask several time the representative how much you want me to pay to stop this interest charges on my account for which she have no answer, I ask if make my balance $0.00 will it make stop charging interest on that she didn't want answer.

  Business Response

  Date: 11/02/2022

  Business Response /* (1000, 5, 2022/09/08) */
  We have reviewed the details of the complaint and have completed a thorough search of our internal records. We were not able to locate this account. We are sorry that we are unable to assist the consumer with this issue. We will conduct a further search if additional information is provided to aid in identifying the account.

• Initial Complaint

  Date:08/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  -Deposited $62, 480 from my American Express Savings and Patelco Credit Unnion checking accountinto **** Bank High Interest Savings July 18-July 21
  
  -**** Bank "disabled" my account July 22 without any notification in writing, electronically over the phone
  
  -My account was magically reenable for about 24 hours July 27h- I moved $59,000 back to my American Express Account
  
  -**** "disabled" my account again on July 28th, again without any notifcation or explanation
  
  -On July 26th, I disputed the amount **** is still holding, a transfer of $3040 I made on July 21st from my Patelco Credit Union and the money has been temporarily added to my account
  
  -****, a subsidiary of Texas Captial Bank, has still not provided any written or electronic communication
  
  -I called **** multiple times only to be told Customer Service can't help; I have to wait for a call from their "internal team"
  
  -Heather from Texas Captial Bank's Fraud Department has left me two voicemails; I've returned her calls multiple times and I always get her voicemail
  
  -I called Texas Capital Bank's customer service line, and of course, I had to leave a message; no live agents
  
  -Texas Capital Bank and **** are somehow FDIC approved, but they should not be allowed to operate; this is a scam
  
  -I have filed a complaint with the FDIC and the Consumer Protection Agency of CA
  

  Business Response

  Date: 10/05/2022

  Business Response /* (1000, 5, 2022/08/19) */
  The complaint concerned the suspension of online banking access for the customer's account with **** Bank. We have reviewed the details of the complaint and completed our research into this account. Our findings were as follows:
  A fraud case was initially created on 7/21/2022.
  The fraud review was concluded and the fraud hold was removed, enabling online backing.
  The initial fraud case was resolved on 7/26/2022.
  During this time Client support was assisting with calls and left the customer a brief voicemail.
  On 7/29/2022, the fraud case was re-opened, a fraud hold was placed and on-line banking disabled.
  On 7/29/2022, the Investigator attempted to contact the client but was unsuccessful. A voicemail was left to the number on file.
  On 7/30/2022, the Investigator received a return call/message from the customer, expressing a desire to close the account and have the remaining $3,040 returned to the originating bank account.
  On 7/30/2022, the Investigator attempted to call the customer bank but was unsuccessful and left a voicemail.
  On 8/4/2022, the Investigator attempted to call the customer back but was unsuccessful and left a voicemail.
  On 8/17/2022, the originating bank confirmed that a credit was received on 07/26/2022, in the amount of $3,040.00 that was a return from **** Bank. The customer has had use of these funds since 07/26/2022.