| 12/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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To Whom it may concern, InXX/XX/XXXX I applied for a Conventional First Time Homeowner Occupied mortgage loan through Associated Bank with XXXX XXXX in order to purchase a home as our lease was up in XXXX, XXXX but extended 2 months as our landlord was going to sell home due to inability to continue to pay her mortgage. I was preapproved for loan and I placed offers on multiple homes and started process on XXXX XXXX XXXX, XXXX, IL but I did not proceed further due to inspection results. XXXX, XXXX, my wife started a mortgage loan with Associated Bank Loan Officer, XXXX XXXX, and placed an offer on a home in XXXX IL. She did not continue with purchase due to Plat of Survey issue 2 weeks before closing. In XXXX XXXX, my wife closed on property we currently rented due to failure on Countryside home that left us in a tight situation due to expiration of lease extension, thus placing ideal family home purchase on hold. As a result of the quick decision to purchase the rental we lived in, we did not investigate the secondary school system and realized it was unacceptable for our children led to decision to purchase out of district as initially intended.
In XX/XX/XXXX my wife was in contact with XXXX XXXX to ask her if it was possible for me to purchase a First Time Homeowner occupied being that my wife purchased a home with XXXX XXXX and Associated Bank in XXXXXX/XX/XXXXXXXX advised my wife that people do it all the time and all that mattered was debt to income ratios. On XXXX XXXX, XXXX, I was in contact with Associated Bank Loan Officer, XXXX XXXX, and let her know that I was ready to start the home search again. I started the prequalification process with a loan application and received many PreQual letters from XXXX. On XXXX XXXX, XXXX, I received a denial letter from Associated Bank and I asked XXXXXXXX by text if this was a mistake and if I should continue to place offers on homes. XXXX mentioned to me that the letter was for a partial application that was submitted. XXXX reassured me by text that I was approved. I continued to place offers on owner occupied investment properties in the Ideal school districts for my XXXX girls. On XXXX XXXX, XXXX, I went under contract on XXXX XXXX XXXX XXXX, XXXX, IL XXXX. XXXX XXXX, XXXX, XXXX XXXX, Sellers Agent, text me with concerns regarding the cancellation of appraisal by Associated Bank that was not relayed to me by Associated Bank until XXXX XXXX, XXXX when I requested XXXX to furnish details for cancellation as she was on vacation until then. XXXX notified me that appraisal was cancelled because of loan being denied conventional due to credit history post bankruptcy in XXXX but said she spoke to underwriting and that she could do FHA but would not be able to close by contract date of on or before XXXX/XXXX/XXXX. I continued to email her to find out why this was n't an issue back in XXXX XXXX. XXXX stated that the creditors on XXXX XXXX credit pull were not on the initial credit pull. I continued to ask her to furnish me with copies of the credit reports that she used to preapprove loan initially in XXXX XXXX, and in XXXX XXXX. XXXX sent me credit pull from XXXX XXXX, and XXXX XXXX. I asked XXXX to please supply the credit pull from XXXX XXXX that was acquired by Associated Bank. XXXX emailed me that she only used the 2 credit pulls that she sent me. I asked XXXX if it was common practice to use a 15 month old credit pull to preapprove current loans. I asked XXXX to escalate this event to her manager and the underwriting manager in order to get loan approved being that fault was made by institution. I told XXXX that if she would have used the XXXX XXXX credit pull instead of the XXXX XXXX, she would have noticed that the XXXX XXXX collection from XXXX was transferred to a collection agency in XXXX and would have given me fair warning to clear collection and show 6 months clear credit history. I continued to escalate issue with Vice President, XXXX XXXX Loan Manager, XXXX XXXX and then to Customer Senior Specialist, XXXX XXXX on XXXX XXXX, XXXX. XXXX was able to review all documents and emails and overturn decision to conventional processing on XXXX XXXX, XXXX to go back to the underwriting stage. I was assigned XXXX XXXX as new loan officer on XXXX/XXXX/XXXX. XXXX was in contact with me on XXXX/XXXX/XXXX and mentioned she would review all docs and requested last bank statemnts. I sent XXXX bank statements XXXX/XXXX/XXXX. XXXX XXXX, XXXX, XXXX emailed a request of my signature on electronic documents. I emailed XXXX that the Documents were still under XXXX XXXX name. XXXX emailed for me to sign the documents that XXXX created and mentioned that they were changed to XXXX 's name. I signed the documents but XXXX emailed again shortly with signature request of electronic disclosure. I asked XXXX under which loan number did she need me to sign as I was sent 2 different loan packages by XXXX. XXXX sent loan number and I signed all documents requested by XXXX that were original sent by XXXX and still under XXXX 's name. XXXX emailed @ XXXX on XXXX/XXXX/XXXX that loan application has been submitted to underwriting. I made sure to ask XXXX if she included with application to underwriting the corresponding proof of payments to creditors. XXXX confirmed. On XXXX/XXXX/XXXX, at XXXX, I sent XXXX XXXX XXXX XXXX & XXXX XXXX screenshot of the collection that was removed from XXXX XXXX due to payment that was made the previous week. XXXX emailed at XXXX ; XXXX that the disclosures were resent to with a request to resign and send back. On XXXX/XXXX/XXXX @ XXXX, XXXX emails that she needs the signed disclosures as the underwriter was requesting verification of employment. I emailed XXXX @ XXXX, XXXX/XXXX/XXXX, that I do n't know what is going on on their part but I had signed everything XXXX sent along with everything previously sent by XXXX as requested by XXXX . I also mentioned at that time that all the documents she sent me continue to read with XXXX XXXX ' name on them and this may be the issue she is having with recovering documents. XXXX emails @ XXXX, XXXX/XXXX/XXXX, with subject line reading ( my last name ) UGHH and Thank you in text. XXXX XXXX, XXXX, XXXX, I sent XXXX a Home Insurance quote from XXXX XXXX and she emailed that she was waiting for underwriters response. XXXX XXXX, XXXX, at XXXX, XXXX left a voicemail stating underwriter sent loan for another review. I called XXXX at XXXX but no answer. XXXX called back at XXXX and stated that underwriter declined application because it seemed that I was trying to purchase home as a investment property because it was only 3 miles from my wife 's home. XXXX also went on to say I would be able to buy it with 25 % down as investment purchase. I asked XXXX to confirm which one was it, declined or approved. XXXX then says it was going to be declined for collections, unclear credit history post bankruptcy, and unable to verify residence and asks what our intentions were with the current home we reside in. I went on to explain that my wife would sell if needed and that it would be to her mother and that if I was guided in the right direction from the beginning, we could have put it up for sale from the start. XXXX says it was too late for that and goes on to say that it just does n't look good because we are married, file joint taxes and are going to have 2 owner occupied residences and continues to say if I was going to live in one and her in the other. I said yes, as it is for the children to go to Top 10 schools that we are purchasing the home. XXXX goes on to sarcastically say you are going to live in another home apart from your wife, that would seem that your getting divorced. I asked XXXX if my personal profile was a contingency in this loan approval and defensively responds that personal information has no bearing on decision and continues to pick at the separation tactic and I assume she wants me to say that we were going to separate so I played into it by saying yes. XXXX strongly says that if that 's is the case, then that changes everything because now you have to figure different factors, and assumptions of obligations. I then tell XXXX that these are her assumptions of my personal life as she said it has no bearing in approval. I tell XXXX that they are just looking to decline approval because I submitted the complaint to XXXX XXXX. XXXX raises her voice and states that the underwriting process is XXXX and that it figures the factors tells them to deny, approve, or proceed with caution and especially look at post bankruptcy cases. I told XXXX that it did n't seem to be an issue back in XXXX XXXX when she preapproved me initially nor did it tell XXXX to deny or proceed with caution in XXXX XXXX. I told XXXX that we would not be here if XXXX had actually used the current credit pull from XXXX XXXX and I would have not been led to believe I was approved, I would not have continued to place offers on homes as XXXX advised, I would not have hired an attorney at {$1000.00} for self representation of sale, I would n't have spent {$500.00} on home inspection/radon test, would not be loosing {$2500.00} EM for not fulfilling contract, and I definitely would not have had to place my family in this very stressful and saddening situation especially during the holidays. I asked XXXX to please try her best in getting this approved for my family.
XX/XX/XXXX, I received an email from my attorney asking how I would like to proceed since she had received a copy of the denial letter that Associated Bank sent in the mail to my home. I requested XXXX to send me a digital copy of the letter they sent to attorney. I copied XXXX XXXX and XXXX. I read the letter that did not state what XXXX said I was being declined for. I have all documents, and all email, texts if needed for resolution.
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| 07/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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- Problem with customer service
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Web |
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On the morning of Friday XX/XX/2023, at or around approximately XXXX, I entered the Associated Bank Branch located at XXXX XXXX XXXX XXXX, XXXX WI XXXX with the intent of cashing a payroll check issued to me from my employer.
When I entered the bank and approached the teller counter, I was greeted by a teller. I indicated to the teller that I wanted to cash a check drawn under Associated Bank. I further indicated that I did not have an account with Associated Bank and that I was aware there would be a fee charged for cashing the check without having an account with the bank.
The teller indicated that she needed to speak with her manager for approval. I was not asked to present any forms of identification and I did not see the teller or the assistant bank manager engage in any processes to verify the legitimacy of the check. The teller took the check from me and went to the assistant bank manager who was standing approximately 15 to 20 feet to the rear of the counter. In approximately 30-45 seconds, the teller returned to the counter with a gentleman who later identified himself as the assistant bank manager.
The assistant bank manager stated that he would not be able to cash the check. I asked the assistant manager to clarify why he was unable to cash the check. The assistant manager indicated that he was unable to cash the check because it could be fraudulent ( specifically stated, How do I know this isnt fraud?. I asked the assistant manager why he suspected that the check was fraudulent to which he replied, I am not cashing your check because it is against our policy. Additionally, the assistant manager stated that if I wanted to cash the check I was welcome to schedule an appointment to open an account or I could take the check somewhere else to cash it. I asked the assistant manager what policy he was referring to and he did not provide a policy title or policy language that indicated why my check could not be cashed. I asked the assistant bank manager for his name. The assistant bank manager provided me with a business card that indicated his name as XXXX XXXX and his title as the Assistant Bank Manager.
XXXX XXXX then took the check from the counter and made a photocopy of the check. I asked XXXX XXXX why he made a copy of the check. XXXX XXXX indicated that if I was going to file a complaint that he needed to have a copy of the check. XXXX XXXX then returned the original check to me.
If the assistant bank manager asked for my ID, he would have seen that I have a Wisconsin ID card.
If the assistant bank manager would have attempted to verify the legitimacy of the check using basic verification protocols, he would have found the check to be legitimate.
This interaction and experience left me feeling humiliated, embarrassed, and belittled. I was upset by the poor customer service, the tone in which XXXX XXXX spoke to me, the insinuation that I was attempting to commit fraud, and being denied the opportunity to have my check cashed because XXXX XXXX suspected that I may be committing fraud. I felt that my XXXXXXXX XXXX was elevated and feelings of XXXX and frustration came upon me. Although I was emotionally distressed and overwhelmed by these feelings, I maintained a calm and poised disposition during my interaction with XXXX XXXX and the teller.
I left the branch and returned to my car that was parked in the Associated Bank parking lot. From my car, I called the Associated Bank customer service phone number XXXX ( XXXX ) XXXX to file a complaint.
After being denied services at Associated Bank located at XXXX XXXX XXXX XXXX, XXXX WI XXXX, I negotiated the check at XXXX XXXX around XXXXXXXX XXXX on the same date ( XX/XX/2023 ).
On XX/XX/2023 at XXXX, I was contacted by a caller who identified himself as XXXX XXXX ( the Director of Branch Banking for Associated Bank ). XXXX XXXX contacted me on my cell phone and left a message indicating that the assistant bank manager did not follow the policy and the check should have been cashed.
XXXX XXXX further communicated that the assistant bank manager misinterpreted the policy and that he would be coached on the policy to prevent future misinterpretations. XXXX XXXX apologized for the inconvenience caused to me and asked if I was able to cash the check. I indicated to XXXX XXXX that I cashed the check with XXXXXXXX XXXX XXXX XXXX again apologized for the inconvenience caused to me but did not address the accusation of attempted fraud made by XXXX XXXX.
I believe that XXXX XXXX acted out of racial animus in denying my federally protected rights and treated me in a criminal manner by accusing me of attempting to defraud Associated Bank.
I believe that I was accused by the assistant bank manager of attempting to commit fraud and subsequently denied and deprived of service on the basis of my race and skin color.
I believe that I was unlawfully denied and deprived of the same banking services and opportunities as my XXXX counterparts. I believe that I was racially discriminated against by the bank, in contrast to XXXX customers who receive high quality customer service and fair consumer transactions according to policy set forth by the bank.
The assistant bank manager denied and deprived me of service and failed to follow procedures and failed to conduct due diligence to verify my identity and the legitimacy of the check that I attempted to cash.
Additionally, the assistant bank manager denied and deprived me of service as he failed to follow Associated Banks policy for negotiating checks drawn from an Associated Bank account.
The discriminatory, unprofessional, and humiliating treatment I received from XXXX XXXX is unacceptable in a civilized society and is an affront to the values that society expects in the equal treatment of all persons.
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| 05/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On Saturday, XX/XX/XXXX2017, I had brought in a refund check for {$280.00} that was mailed to me from XXXX. The initial clerk at the bank grabbed the check and asked where I received it from. I told her it was from a refund that was processed through XXXX. She then walked away, check in hand. At one point, she came back over to ask another question then walked away without saying anything to me about what was happening with my account or the check. Then a woman by the name of XXXX XXXX XXXX NMLS ID : XXXX, had walked up to me around the customer side of the teller counter telling me I needed to discuss this in an office. XXXX had told me that due to no verification number on the check itself, that it was fraudulent. I was reasonably upset as this was an issue I had worked out with XXXX over the past several weeks. During this period, I had verbally expressed my anger about the situation. I had shown XXXX the " stub '' of the refund check. On the stub, there is a customer service number. XXXX did not call the number to verify the validity of the check. She stated I could not have the funds that were written on the check due to not having matching funds in my account. With this being a refund, I expressed that it was unacceptable due to the fact that the funds were in my account, and they are no longer in my account because they were used to buy the original money order which is now being refunded to me in the check I presented at the bank. As she was writing the paperwork for the deposit, she became frustrated with the situation. She then took the paperwork, pushed them across the desk, and said I can take it somewhere else. I then asked for her to please deposit the funds into my account, and after a period of time, I would be shutting down my account, so this frustration would not occur in the future. XXXX then stormed out of the office without a word. I followed her to see her putting the paperwork with another person at the bank. At that point, I left the bank branch. At XXXX XXXX, I received a call from the bank saying I had left without cash in hand, so they were depositing the funds in my account, and they would be available by Monday,XX/XX/XXXX 2017. Monday, XXXX XXXX, 2017, at XXXX XXXX, I had received a voicemail from XXXX XXXX regarding the issue of the refund check. When I spoke to her at XXXX XXXX, she again stated that it was a fraudulent check. Having thought this issue was resolved per the voicemail left on XX/XX/XXXX2017, I became upset and was questioning the process if I had walked out with cash in hand. By the end of the phone conversation, I gave her the customer service phone number listed on the stub. By XXXX XXXX, XXXX had called me back to tell me the check was not fraudulent. After having this situation escalated over three days, I had hung up the phone after XXXX had told me the check was not fraudulent. She then called me back. Immediately upon answering the phone, XXXX stated that if I hung up the phone, that she would continue to call me. I listened to what she said. She stated they were shutting down my account due to my " behavior '' from the initial interaction on XXXX/XXXX/2017, stating I was using inappropriate language. My witness, XXXX XXXX, can verify that any inappropriate language was used to describe my frustration with the situation and was not directed to XXXX, which was insinuated in the conversation with XXXX. XXXX suggested sending me the funds in my account via check and close my account. Due to threat of harassment, I gave verbal authorization to do so. I felt I had no other choice at that time.
TuesdayXX/XX/XXXX2017, my witness, XXXX XXXX, had gone into the branch to discuss with XXXX the situation of my bank account being closed. Due to not being named on the account, he was not able to have any information relayed to him, but XXXX had assured him that she would be talking with XXXX to smooth things over. He was instructed to have me call XXXX at my earliest convenience. I had called XXXX that afternoon saying that XXXX gave me her number to call in order to avoid my account being closed. During this conversation, I expressed to XXXX that I was unable to properly speak due the situation escalating. She then said sarcastically, " You did n't have a problem speaking yesterday. '' I explained to her that any frustration or anger was about the situation and the delay in the funds being available, not towards any employee of their bank and in being upset, I was unable to express myself in a calm manner. The misunderstanding quickly turned into a vindictive act as she then said my account was already shut down, and there was not a possibility of keeping it open.
I saw how quickly XXXX had verified the validity of the check and am frustrated that information was n't verified onXX/XX/XXXX2017 when the initial incident occurred. Had this been handled with customer service professionalism, the situation would not have escalated in the fashion it did. I am now in a position where my pay check is unable to be direct deposited, causing delays with receiving my paycheck as well as making my bill payments on time.
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| 09/11/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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In XX/XX/2022 my mother and I hired XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN, XXXX XXXX or XXXX a cement contractor to do some work for us out of town. He was hired to do one job first and then on completion of 1st job, we would proceed on an additional job. He said the first job had been completed and was paid {$15000.00} for the first job and now he wanted money to purchase materials for the second job of {$35000.00}. While I was on my way to the property 200 miles away on XX/XX/2022 he drove my XXXX XXXX XXXX mother to Associated Bank XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX to get a cashiers check of {$35000.00} to buy materials for the next phase of the job. When I arrived at the property that day I discovered he had barely even started the 1st job and didnt have any part of it finished! I called my mom right away to not give him any additional money. It was too late, the bank had already issued him a cashiers check for {$35000.00} # XXXX. Mom and I both called Associated Bank to stop payment of the cashiers check. The bank manager, XXXX, said that my mother would have to come in person into the bank to stop payment. Somehow my XXXX mother managed to drive herself to bank that same day to stop payment ( even though she had started hospice ). The bank manager communicated very little with her and primarily was typing into his computer. He would not let her know what he was typing, nor did he give her a copy, and after dragging out of her sickbed to come to the bank, he denied the request to stop payment on the cashiers check. The bank manager released funds to the fraudulent contractor and swindler. When the bank refused to protect our funds, I immediately called the XXXX Police and reported the fraud, swindling, and extortion that same day! It is being investigated by the XXXX Police Department, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Elder Abuse & Financial Exploitation, the Attorney Generals Office, XXXX XXXX, XXXX, and MN XXXX XXXX, XXXX. Since then some of mine and my mothers creditors started disconnecting our services - utilities, insurance, phone, etc. We could not understand this because we paid our bills and there was plenty of money in the accounts to cover them..After researching this, we found out that Associated Bank had froze all of XXXX accounts and mine too without ever telling us and left us with no access to any funds! With my mother being so sick and on oxygen 24/7 this was extremely dangerous & could have been life threatening, not to mention inhumane and just down right wrong!! When Associated Bank was called, we were told they were trying to prevent fraud from our accounts. My mother told them that the only fraud we needed protection from was the {$35000.00} cashiers check to fraudulent, swindling felon that the bank refused to stop. They said there is an investigation going on with our accounts and that we could get access to our funds once investigation is done. They would not tell us how long investigation will be, how we could contact who is doing the investigation, or what even makes them think there is any identity theft or compromise of my mothers social security number. We were told by another banker at a different bank that our bank was wrong for not stopping payment of the cashiers check especially when my mother went in person to the bank the same day requesting a stop payment. This banker recommended not going back our bank location again. I believe Associated Bank has been lying to us and trying to cover their butts after releasing the {$35000.00} cashiers check when we requested that they stop it. We have called XXXX XXXX, who said they saw no suspicious activity on our accounts except for one by Associated Bank to our contractor/swindler, no identity theft, and no compromise of my moms social security number. We got the same response from XXXX Credit Bureau, XXXX The Social Security Office did not see my mothers social security number compromised like Associated Bank claimed either. It is now XX/XX/ XXXX and my mother still has no access to any of her funds! I only have partial access to mine. Because the bank did not honor releasing funds for checks we wrote to pay bills or our automatic payments, we dont even have access to use our credit cards due not being paid. We want access to all our funds at Associated Bank! We want our fraudulent {$35000.00} returned as well. We requested a stop payment same day it was issued. We requested our contractor to return our money. We want Associated Bank and the manager held responsible for releasing our funds to a felon. This situation has caused undue stress on my mother and has caused her health to decline rapidly. We need resolution to this soon, I have copy of cashier check and additional bank account numbers. I am unsure if I should be including this here or not - a bit confusing. Please let me know whatever you need from me.
Thank you in advance for your help!
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| 12/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello. I have an issue that I have been unable to resolve with my mortgage company. My original mortgage was with XXXX XXXX and it was sold to Associated Bank, XXXX XXXX XXXX, XXXX XXXX, WI XXXX, XXXX, a few months into my mortgage. While I was a costumer of XXXX XXXX I was able to use my online banking to submit my monthly payments. I have never missed a monthly payment. Recently, I went out of town and tried to set up a payment with my online bank, XXXX, to ensure that my mortgage payment would be made on time while I was away from my home/computer. When I was with XXXX I was able to submit electronic payments through XXXX within 1-2 business days. Now, with Associated Bank I can not make electronic payments through XXXX and the total time it takes to submit a payment has more than doubled as XXXX has to submit a paper check to Associated Bank each month. As I explained to the nice employee at Associated Bank, my original mortgage was not through Associated Bank and I was never even given the option to have my mortgage not be sold to Associated Bank. As such, I would like to continue to use electronic/online banking to make my monthly payments as I was able to do with XXXX. I was informed that I could make electronic/online payments to Associated Bank but ONLY if I opened another bank account with Associated Bank. I feel like that is coercion and that forcing me to open an unnecessary bank account benefits Associated Bank but does not benefit me, the consumer- is this illegal? - I do not want to have another bank account and I do not feel that I should be forced to open another bank account in order to be able to pay my mortgage in the most timely manner. I have been using the same XXXX account to make all monthly payments since I began paying my mortgage in late XXXX ; again, I have established a history with my XXXX account from which payments are made and established a history of making payments in the total amount owed each month. I asked an employee via phone to file a complaint with Associated Bank and I did receive professional and courteous email correspondence on XX/XX/XXXX and and XXXX/XXXX which did not resolve the matter- I was told that the company would be " filing your complaint '' with no plan on an actual resolution.
XX/XX/XXXX " Good morning XXXX, I certainly apologize for your frustrations regarding making payments electronically to your mortgage. As it appears our other agents had advised, in order to make payments using Associated Banks online banking system, you would need to have some type of internal account. However, many banks have a feature called bill pay which allows you to make payments to other merchants using their online banking system. I see that you do have a XXXX bank account and I do know that they offer bill pay through their online banking. You can certainly set up Associated Bank as a biller and pay us that way, as you would not have to manually make that payment each month. We also have an automatic payment option. If you would be interested in that, we either need to mail you the forms initially or you can stop at any one of our branches to sign those forms. Again, I apologize the feature for payment is not available within our online banking system for you as you do not have a type of deposit account with us, but I do recommend looking into using the bill pay feature offered within XXXX online banking system or setting up automatic payments. If there is anything else that we can assist you with, please feel free to reach out to us at any point in time. '' Customer Care Center XX/XX/XXXX, XXXX XXXX to me Good morning XXXX, I understand your frustrations regarding this situation and will absolutely be filing your feedback regarding this matter. When I file your feedback, your concerns will be forwarded onto our Consumer Affairs team and they take and file the feedback and work towards resolutions to the concerns. I can not guarantee a change, however, this is the process we take to push for changes in procedures. If you are looking for a way to make the payments electronically, we do still have the option for automatic payments available if you were interested. Again, I apologize for any inconvenience and if there is anything else that we can do for you, please do let us know.
Thank you, XXXX XXXX Training Specialist | Customer Care Center
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| 04/04/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I would like to ask Associated Bank to refund to me fees of about {$36.00} US.
XXXX XXXX has stated that the fees were not charged by them, thus they were charged by Associated Bank.
While with XXXX ( the bank which held my account before selling to Associated, unbeknownst to me ), I spoke with a customer service associate when I set up my accounts with XXXX a few years ago.
No fees : The XXXX representative assured me that if I set up an automatic transfer back and forth between my checking and savings accounts, fees would not be charged. Even though my balance was under the threshold, physically logging in was not necessary with auto transfer, is what the representative stated. I could simply set it and relax - no fees.
How I Finally Discovered My Accounts Had Been Sold from XXXX to Associated Bank On or about XX/XX/XXXX, XXXX time, I logged in to my XXXX account to find it no longer existed. I could not find any data about my account. I was shocked, upset and confused.
The XXXX representative did not even know my correct balance. She said that {$100.00} was transferred to the new bank, Associated. However, my balance should have been about {$400.00} before Associated Bank charged fees on that amount.
XXXX took no responsibility about the discrepancy and told me to deal with Associated Bank. This, by the way, since XXXX, was the fourth bank I have had to deal with because of one buyout after the other. Numerous bank buyouts cause disruption to the customer. There ought to be a law that gives customers a say about their accounts.
Antiquated Database Systems That Exclude Americans Living Abroad - Thus No Communication Banks treat Americans living abroad as 2nd class citizens. Mail does not reach us, and no attempts to use phone number / email on file to inform us of important changes.
Banks blame the customer, stating that the address is incomplete. It's incomplete because banks do not care about recording our addresses correctly. I always do so when I open an account, yet, their limited software parameters ( accepting only US address syntaxes, not international ), ensure that my international address will be mangled, with large portions omitted. Then, they blame non-delivery of mail on me.
Fees Charged After XXXX Sells My Accounts to Associated Bank The accounts were sold to Associated Bank in XXXX, unbeknownst to me. When I learned about the sale of my accounts to Associated, I decided to simply close the accounts. I had had enough of banks running roughshod over me : repeatedly selling my account without my knowledge, for example. And, fees.
No Right To Change The Rules Without Notifying Me My accounts were set up correctly in order to avoid fees. There was an automatic transfer going back and forth, which would waive the fees. If Associated stopped that auto transfer, that is on them. They had no right to charge me fees.
I had no idea of Associated Bank 's rules, and have had no correspondence from them regarding such rules. I was operating under XXXX 's rules.
I respectfully ask for the refund of those fees of about {$36.00} U.S.
In order to avoid having to send by international post, I have a suggestion. I have a P2P account with an online bank in the US. It would be simple to make a transfer to that account electronically.
On a positive note, Associated Bank, XXXX, was very helpful in assisting me with closing my account. I am grateful to her for her service. The entire process, from trying to work with XXXX to find out what had happened to my account - to working with various Associated Bank to work it out - took hours of my time.
Yet, it was after the fact that I had realized that fees were charged. I wrote to Ms. XXXX about this via email, and received no response. Thus, I thought perhaps the issue lay with XXXX. However, XXXX has stated that the issue lies with Associated.
Over the years, I have repeatedly felt cheated by, violated by and powerless against the monolithic U.S. financial system. I feel compelled to raise my voice any time the system takes advantage.
Thank you.
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| 06/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I was divorced in XXXX of XXXX. I went through the process of having my ex-wife removed from the mortgage. I worked with an individual at one of the XXXX XXXX branches. In the process, she recommended that I petition to have my PMI removed. She said an appraisal would have to be done. I mentioned that I had an appraisal. My ex wife had one done during the divorce process to determine how much she was entitled to in equity. I also received a letter from the City of XXXX XXXX stating my property was valued at {$150000.00}. This was the same amount my ex-wife 's appraisal came back. The person at the bank said I would have to get an appraisal done by Associated Bank. I was not happy about this given that I already had two documents showing the value of the property. However I was willing to move forward. She said I had to send a letter asking to have my PMI removed. She said I would be contacted by Associated Bank about the appraisal. I never got any contact but did get a letter saying my request was denied. I called Associated Bank to complain and they said they would have someone contact me about the appraisal. It never happened. Shortly after that time, I got a letter from Associated Bank saying my address had been changed ( it had not ). I assumed this was my ex wife 's doing. I contacted Associated Bank to complain and they would not verify directly my ex wife was the reason for this address change. They tried to blame the post office saying the post office notified them I had moved. I of course had not. I contacted the post office and they said this never happened. When complaining to Associated Bank I again mentioned about the appraisal. Again I heard nothing. I had forgotten about this until recently. I switched homeowners insurance and Associated Bank had not received the info about my new company in a timeline that satisfied them. So I received a threatening letter stating they would buy homeowners insurance for me. I called to complain and I mentioned that I found it ironic they wouldn't follow through on the appraisal ( now a 7 month old request ) but they can threaten action. At that time they did acknowledge they had my new homeowners info. The gentleman on the phone said he would help start the appraisal process. A few day a letter stating I needed to submit a written request for the PMI to be removed. Keep in mind that I had already done this in XXXX of XXXX! I called to complain again today ( XX/XX/XXXX ) and was told by the same gentleman that I needed to submit a new request because my original request was denied because I " didn't pay for the appraisal. '' I had never been told I had to pay for the appraisal first. He claimed a letter was sent with those instructions. To my knowledge I never got that ( perhaps the whole address change issue ). I asked this be escalated and he told me his supervisor would contact me. He said the house needs to be appraised by an Associated Bank person and the value needs to be more than {$140000.00}. I again mentioned I have two documents that show a value of {$150000.00}. He said that has to be determined in house. I feel this is just a way to make more money. Had this been handled 7 months ago, my PMI would be gone and I would have saved over {$700.00}. It is clear Associated Bank is not communicating effectively. At this point, I feel the 2 documents I have should be allowed and I should not be forced to pay for the Associated Bank appraisal. I am asking this to be done. The appraisal be done either waving the fee or the documents I have be used.
|
| 04/29/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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A business consultant from Associate Bank of XXXX XXXX, Wisconsin secretly signed me up for a 48 Month Non-Cancellation agreement when I distinctly asked for a 12 month agreement. I articulated my Merchant Service needs and concerns with this Associated Bank business consultant ( who was seated less than XXXX feet away from my work zone ) as I was actively serving customers both at the Drive Thru window and the walk-up counter. Before his arrival to the XXXX XXXX, I had an existing month to month Merchant Services agreement through XXXX XXXX, but was unsatisfied with XXXX deliberate approach ( in my opinion ) of systematically adding hidden fees, padding fee 's and placing unauthorized service charges on Monthly Statements. When I called to question these unauthorized fee 's, two monthly statements over the next three months were not sent to my e-mail address. I found that to be odd ...
Several disputed unauthorized fee 's and service charges that were removed from my Bank Account still have not been returned to me as of today XXXX/XXXX/XXXX. I was also informed that XXXX XXXX has an 'elevated secret panel ' that decides which disputed fee 's and/or charges get returned to the customer. Is this legal?
The 48 month non-cancellation agreement was NEVER discussed nor even REFEREED to by the Associated Bank/XXXX business consultant. He did however, verbally offer to serve as an advocate or mediator if there would ever be any problems with disputed fee 's, unauthorized service changes or other hidden expenses that would 'possibly ' find its way to the new monthly statement through Associated Bank/XXXX XXXX . This type of customer service would potentially save me up to 20 minutes of stand by time per call with a XXXX XXXX Billing Representative. This promise, unfortunately turned out to be an empty XXXX!
My business relationship with Associated Bank of XXXX XXXX, Wisconsin was healthy before this business consultant arrived onto the scene. Only because of this relationship, I gave XXXX a second chance at providing the Merchant Services I desired for the Coffee House.
XXXX XXXX XXXX XXXX sent a 'Welcome Letter ' with the surprise details of the agreement some time after the business consultants slippery maneuver at the XXXX XXXX . The consultant ( representing both Associated Bank and XXXX XXXX ) stated, " everything you 've requested with me today is 'in place ' - all you needed to do is give your authorization on this Tablet. '' I never signed a paper agreement nor did he ever mention a word about the Non-Cancellation Agreement.
At the time of our discussion, I had approximately 15 months remaining on my business locations lease and certainly informed him of that fact. I also mentioned that I wanted to save approximately XXXX dollars per month with any new agreement, before cancelling my active month to month with XXXX XXXX.
I told him that I did not want to waste any capital by changing over to the Associated Bank Merchant Services - if that would be an issue. Obviously, to my surprise, after making the time to thoroughly read over the paper agreement that was sent to me by mail ( approximately four weeks ago ), it triggered disbelief, frustration as well as shock.
Ironically, I found the XXXX XXXX XXXX XXXX 'Welcome Letter ' mixed in with some junk mail that was sitting on my office desk - I was in the process of accumulating various numbers for my XXXX Tax return.
|
| 09/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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Web |
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We have struggled financially and have contacted our mortgage lender Associated Bank asking for help several times. I have attempted to discuss this with their agents, but I suffer from cognitive issues and sometimes have trouble understanding what is being said. My girlfriend XXXX tries to discuss the situation but their agents tell her even though she lives in the house and is on the title she can't talk to Associated Bank because she is not the borrower. We have gone through a very difficult financial crisis due to XXXX and major health issues and believe that Associated Bank is not following guidelines for servicing this loan. They know of our situation and we did everything we could to keep making payments but now we are being told they will not take our payment and we have to pay all the past due amounts in one payment. We do not have the funds to do this, and we believe there are other federal and state programs available to help homeowners in our situation and Associated Bank has denied access to these programs. Our hardship is resolved, we can afford our mortgage payment but need Associated Bank to work with us on the past due payments.
XXXX and I live in this home with XXXX children ages XXXX, XXXX and XXXX. I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am now on fixed income. XXXX works with XXXX XXXX children as a XXXX XXXX XXXX and also receives XXXX income. We were excited to buy our home in XX/XX/2021 and pooled together our money for the down payment. XXXX began working extra hours and overtime to help us make ends meet. In XXXX XXXX was hospitalized due to a XXXX XXXX issue complicated by XXXX and she ended up having XXXX XXXX followed by a XXXX XXXX XXXX in XXXX to relieve pressure on her XXXX As a result she was out of work for 3 and a half months. We were able to continue making the mortgage payment but in XXXX she had to have a second procedure and was out of work for another two months. We asked Associated for help through Covid forbearance or some type of program but were not offered any options, so we just kept making payments of about {$800.00} per month which is less than the {$1100.00} payment but all we could afford. We wanted to do everything we could to keep up with the payments so we sent in what we could to try and stay in good standing with Associated.
Last month we were told that the payments we made were not being used for the mortgage and were going into a suspense account which I don't know what that means. I don't understand why the money we pay for the mortgage does not go to the mortgage. And they also told me that our case was being referred to a law firm and that they will not work with us or accept anything less than the past due payments of approximately {$9000.00} ( probably less because there is money in the suspense account ).
I do not believe this is right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that caused us to fall behind. We have XXXX young children in our home and don't believe we deserve this. We want to pay and intend to pay, but the issue is the past due payments. Our hardship is resolved, XXXX is healthy and back working and between our incomes we can afford our mortgage
|
| 08/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On Saturday, XX/XX/2022, I made a purchase from a supposedly trustworthy pet adoption website. The website is XXXX The first transaction I was asked to make was {$650.00} for the transport of my pet. I did sign an online contract to ensure that my pet would be delivered in a healthy condition. The first person I was supposed to transfer money to was XXXX XXXX, whose email is XXXX. However, the transaction did not go through XXXX, as XXXX XXXX 's banking was apparently not working correctly. I was then given a second account, supposedly belonging to XXXXXXXX XXXX husband. The name on the account was XXXX XXXX and his email is XXXX. His email worked for XXXX and the transaction of {$650.00} went through successfully.
Shortly after this, on Sunday, XX/XX/2022 I received an email from XXXX They were telling me that I needed to pay to rent a special crate for my pet. I had been warned by XXXX that this was coming, so I did not see anything out of the ordinary. The email also said that I would be refunded 98 % of what I paid to rent this crate. I signed an email contract concerning this refund. I then sent two payments that equaled {$1500.00} to XXXX XXXX, whose email is XXXX. The first time we attempted this payment, XXXX put a hold on the account and failed any other transactions. When we explained this to XXXX through email, I was told to by XXXX gift cards equal in amount to {$1500.00}. My husband and I were uncomfortable with this and opted to call our bank ( Associated Bank ) in the morning to resolve the issue with XXXX. On Monday, XX/XX/2022, XXXX emailed me to tell me that I needed to pay for pet insurance to move my pet. The cost of this was {$1900.00}. Again, I was told that I would be fully refunded at the delivery of my pet. I sent the payment and there was no hold from XXXX. I also signed an emailed contract stating that my total refund at this time would be {$3400.00}.
On Tuesday, XX/XX/2022, XXXX emailed me again telling me that I needed to pay for vaccinations and a legal form to transport my pet across state lines. They told me that the amount would equal {$1600.00} and that I would be totally refunded once my pet arrived. Again, I sent the money, but XXXX put a hold on my account. I called my bank to try to get this figured out and they were unable to remove the hold immediately. When I explained this to XXXX via email, they once again told me to buy them XXXX gift cards. They also threatened that my pet could not be delivered because they would have held her for over 72 hours. At this point, my husband and I started researching both XXXX and XXXX and found that neither have a good reputation outside of their own websites. Realizing that we had probably been scammed, we called the bank to cancel the final payment of {$1600.00}. In subsequent emails, we have asked if we could drive to where our pet supposedly is. We have been told that is not an option, but that my husband could pay instead. We did not reply to that email. On XX/XX/2022, I received a call from XXXX asking about the payment. When I said, we could no longer afford the dog, he continued to pressure us into buying the XXXX gift cards to which point I hung up.
|
| 12/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
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Between XX/XX/2023 and XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX.tr which involved me making deposits for a total amount of {$30000.00} from my Associated Bank account to fraudulent investment firm ( XXXX ). When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Associated Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Associated Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Associated Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Associated Bank was in compliance with its own policies and procedures ; ( v ) whether Associated Bank owed duties to myself, what the scope of those duties was, and whether Associated Bank did not uphold those duties ; ( vi ) whether Associated Banks conduct was unfair ; and ( vii ) whether Associated Bank has within its power the ability to, and should, compensate me for the harm that has befallen me. Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Associated Bank must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that Associated Bank did not foresee the fraud and disregarded even the most obvious dangers in this respect.
Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past.
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I received a phone call on XX/XX/XXXX around XXXXXXXX XXXX regarding a late payment due to changes in my escrow amount. I was not notified prior to this call about this change in my escrow amount. I have a automatic transfer set up with Associated Bank, and they pulled the payment in XXXX as usual, but because of the increase in the escrow, they placed the XXXX mortgage payment in a " Partial Payment '' account and did not apply it, but noted that they processed it in the online tool. This was the information provided to me on XX/XX/XXXX and the agent requested I make the payment immediately over the phone to cover the missing amount to avoid being reported to the credit agencies for a late payment. I asked if I could make the payment through the online portal and they said no because that could delay the payment, so I should make the payment over the phone to avoid a late payment report to the credit agencies. I was also informed in one of my calls on this day that if I make the payment before XXXX on a given day, then it would go through the same day. I made the payment on XX/XX/XXXX before XXXX. So based on this advice, I made two appropriate payments of {$31.00} for XXXX and XXXX so as to cover the escrow amount. We also changed the transfer series to update to the new balance on the account.
On XX/XX/XXXX, I receive a notification through my XXXX account that my credit score dropped XXXX points due to this alleged late payment. I called Associated Bank that night and they said that it was my error and that I had not made the payment on time. I informed them that their staff told me that it would not be late if I made the payment that day on the phone call. I requested the audio recording to be pulled multiple times, and they informed that they could not do that or I can call back in the morning and speak with a supervisor.
Based on my call on XX/XX/XXXX, here is what their system SHOULD indicate : XX/XX/XXXX - XXXX ( unapplied fund ) XX/XX/XXXX - XXXX ( covers the escrow amount ) XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX On XX/XX/XXXX at XXXX, I called back and spoke with two people, both of whom told me that what the people that told me on XX/XX/XXXX was incorrect, but they will escalate to their supervisor. I requested to review the audio recording, and I do not trust that they will review the recordings. I wanted to hear the recording to verify what was said, which they do not release to me. So I am filing this complaint as I was misinformed and I do not trust the staff to resolve this with integrity.
I am filing this complaint because I was informed incorrectly, I was never notified of the change, and my balance is still not showing up correctly. As of XX/XX/XXXX at XXXX, my balance is showing as owing for XXXX and XXXX and the second payment of {$31.00} is not showing up even though it has left my other bank account.
As a result of misinformation, my credit score has dropped significantly, this has been an emotionally frustrating experience, and Associated Bank staff has firmly dissolved themselves of any wrongdoing despite their misinformation and lack of communication shared with me.
|
| 01/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
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I've been with this Bank as a customer for almost 40 years and I have an Excellent Record with them. What happened is that I used XXXX XXXX to pay for merchandise on XX/XX/XXXX in the amount of {$110.00}. The very next day I canceled the transaction with the company that I was going to purchase the merchandise from. The company then notified me that they acknowledged and received my request and that I will receive a refund. However, as of today XX/XX/XXXX I have not received a Refund or any Merchandise that I originally ordered.
I called my bank on XX/XX/XXXX to state that I do not want the said transaction to go through my checking ( debit account ). Therefore, the Bank suggested that I put in a dispute with the Bank to dispute the charges and to send in paperwork stating that the company acknowledged the dispute and agreed to reimburse the funds of {$110.00} back to me. After which at their request the Bank canceled the Debt Card that was used for the purchase and started the dispute. I then emailed the Bank the paperwork from the company acknowledging that that the merchandise was canceled and a refund of {$110.00} would be given back to me. The Bank then credited my account back for the funds of {$110.00} approximately two days later after the paperwork was received by the Bank via email. As of today XX/XX/XXXX I received a letter from the Bank stating that the funds that were credited to my account would be reversed because the Merchant sent documentation stating that the transaction was Authorized. I then called the telephone number and used the email address that was provided to me in the letter from the Bank for me to contact the Merchant. However there was no answer on the telephone number and the email gave no response. Therefore I called the Bank and spoke to a supervisor in the Loss Prevention Department. And she was EXTREMELY Rude and condescending at the beginning of the call. She said that the Bank will not help me with this matter because it was a XXXX XXXX situation. She made no attempt to explain further as to why this bank has this policy. She then began speaking very harshly and degraded me several times as I was requesting her help for more understanding. She never considered my history as a customer. She just continued to interrupt me as I tried to explain my concerns, this person made it very very clear that she had no intention of helping with this concern at all. Therefore, because of her behavior and not being able to calm her down I kindly ask for her employee ID in which she refused. I then ask to speak to her supervisor in which she refused this also. I then asked for her supervisor 's name and she staunchly refused this too. I then asked for a different supervisor and she said that I can not speak to any other supervisors because they are going to state the same thing as she did. I have never ever been treated so unfairly by this Institution. Which is why I remained with them for so many years. My complaint is about the treatment that I received from their employee and for the dispute that I needed further investigated but, never got resolved.
|
| 09/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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|
Web |
Servicemember |
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On XX/XX/2018 I dropped off a XXXX foot boat with a XXXX XXXX XXXX to XXXX XXXX to have the idea issue repaired. XXXX indicated that the electric primer was the problem and it was dumping fuel into the carburetors. They replaced tis item and also did work on all four carburetors. XXXX did call and explained what they found and I indicated that if thats the issue with the idle then repair the problem. The bill was {$900.00} for replacing the needle valves and seats in all carburetors, the fuel enrichment solenoid ( primer ), clean and adjust all carburetors. Then they stated they set the idle.
I picked up the boat on XX/XX/XXXX and when I took the boat out to use the motor would not idle at all. I called and indicated the problem and XXXX agreed to look at the boat and motor again. I was insistent that when finished that we take the boat out on the water with the mechanic to test ride the boat. This is because they could not solve the problem the first time and its not an unreasonable request to insure a motor is functioning properly. Wilsons would not do a in water test. When XXXX called me back they stated that the problem is there is a lack of fuel coming from the tank because the primer bulb was collapsing when the motor was running. I told them to take an air line and test the fuel line. They stated they can not because of a one-way valve in the line. I told then to take XXXX valve out and check it then. They refused to do any more work on the boat.
I ended up taking the boat to a friend of a gentleman that I work with to have the problem fixed. This was strictly a cash transaction and I trusted my friend and the person who worked and eventually fixed the problem.
There was no fuel delivery issue, as the next mechanic stated if there was all that fuel coming out of the carburetors as XXXX indicated how could the flow be restricted. What he also found was the needle valves and seats where from the wrong outboard no mine, they had to be replaced with OEM parts. The primer solenoid or enrichment solenoid as XXXX called it was not the issue either. The mechanic tested the old part and it worked fine.
So I called my bank and filled a dispute Because I have an issue with the quality of goods or services provided by XXXX XXXX. XXXX, they put parts into the motor that did not need replacing. This only added to the bill. Finally, they refused to water test the engine. The motor will run differently out of the water as apposed to sitting in the water. The outboard needs to draw water up into the motor to cool it off, this puts a load on the engine and the idle and carburetors must be adjusted to account for this. XXXX never did this and refused to do so. There is and never has been a fuel delivery issue. The primer bulb can be squeezed and will recover properly. I can take a picture of a collapsed primer bulb and state the same thing that XXXX did. It proved only that the primer bulb XXXX if it was even mine ) was collapsed at a single instance in time. Not on going as they state.
XXXX over charged, fraudulent charged for services and parts that were not needed.
|
| 10/03/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
|
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Web |
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This year In XXXX, I applied with Associated Bank on my area, after working with XXXX XXXX, I was denied the loan only after I reached out to the residential lending department because my loan officer would not answer very important questions about documents the underwriter was requesting. She kept telling me to reach out to the first time homebuyer non profit for clarification. I included the homebuyer program in the email, and they responded by saying Im far enough in the process to move forward working directly with the lender and he was surprised that the file was denied. The lender XXXX continued to ignore me and the documents I uploaded into the XXXX XXXX. After receiving the email from the homebuyer program, XXXX denied the file for insufficient documentation. I uploaded a complaint letter into the portal and got a call from XXXX from the escalations department at associated bank. She let me know that she wanted to know what happened by they did get me a pre approval. She mentioned she thought this was a good opportunity for training, and would help me in any possible. She gave me her direct phone number, and told me to call her with any questions or if that lender did not reach out. Fast forward to my realtor reaching out to XXXX. XXXX told the realtor that my file was no longer hers and gave the name of XXXX. It took over XXXX weeks to get clarification on the botched pre approval XXXX, XXXX assuming, was forced to write up. Upon getting clarification, we found out that XXXX had entered the pre approval including conditions that I could never meet. For example, a condition was that I would secure {$5000.00} in gift funds from a family member when that was never discussed with me. She also put that I should have the beginning balance in my savings when she knew I was using some to put unkept debt to make it to the closing table. 3 months later after searching for clarification and not being able to reach out to the writer of the botched pre approval, XXXX finally told me there was no first time home buyer grant funds available, and that the funds in question has to be a gift, not a grant. Honestly the whole process with associated, specifically XXXX XXXX has been a nightmare. Her ego was bruised Im assuming because the last time I spoke with her she scolded me about 3 different complaints from my with XXXX different lenders simply because I called the XXXX number. I hate to think this file was denied/sabotaged for personal reasons, but I can not figure out why after working with a first time home buyers program, I would be sent over for her to deny me. Even the homebuyer program is confused, and even though she had to do the pre approval because this file was escalated, she sabotaged it by including funds in there that I never said I had! She needs to face some consequences. Imagine if I got an excepted offer, paid for inspection only to find out this was sabotaged. Thanks to my realtor for being diligent and helpful in understanding the loops XXXX wrote in my pre approval.
|
| 10/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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On or about XX/XX/2018, 20 unauthorized transactions totaling {$460.00}, were debited from checking account. After going through the process of filing an unauthorized claim, the bank concluded money can not be refunded because there have been previous transactions in my account history with the same merchant. While I can agree with this conclusion partially ( I did authorize previous transactions to this merchant in the past ), I disagree with the finding because all of these charges in question came from a different IP address than the one listed in my previous account history. If proper researching was done in the first place, it would demonstrate that purchases I authorized my son to make over the course of the past 2 and a half to 3 years ago emanated from a completely different IP address than the one in which these charges originated. In other words, the charges were made by another child who accessed my son 's XXXX account to which my debit is attached without our son 's permission while my family was away running errands from his parent's/grandparent 's home.
Furthermore, when I allow my son to make charges, they never total to {$460.00} -- - period -- - because an XXXX-year-old doesn't have the means to repay this debt. In other words, we normally allow him to make purchases in the amount in which he can repay immediately. Naturally, the bank requested " confirmation of cancellation with the merchant, date of cancellation, confirmation number or the name of the person I spoke with ... '' Since these items are irrelevant to my situation, I attempted to further explain my situation to the bank and as of this morning, this matter is still unresolved. By the way, I did ask if this wasn't the proper forum to have my concern addressed, could I be advised as to the proper channel to have my concern addressed. Needless to say, I'm still waiting ...
My point in all of this? First and foremost, my husband and I don't have {$460.00} to waste on frivolity. As a result of these unauthorized charges, I have and continue to incur difficulties with this bank such as NSF charges that wouldn't normally be assessed if had the money been in the account. My family of XXXX is a single-income home. I became XXXX over 25 years ago, and don't receive any support, such as XXXX, from the government. The response I was given from this bank was totally inapplicable to the set of facts presented. Attached to this document, is all of the correspondence which has transpired between myself and this bank. Having worked in the banking industry previously, I will say that this is not customer service. Proper customer service includes researching if/when discrepancies and/or disputes occur. I have no reason to promulgate falsehood.
It is my hope that an acceptable resolution to this problem be reached -- - and reached soon!
|
| 03/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
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Web |
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XX/XX/XXXX, I was undergoing a traumatic divorce after which, I was left with a house and property that was in foreclosure and outstanding back property taxes. At that time, there was also a death in my family. I told the bank that had my mortgage, that I needed to live in my house and that I fully intended to keep it. I asked for a loan modification. It was a long process because each time I called my bank to get information or status on my modification, they often sent me to numerous departments or took days to call me back. My understanding was that a loan modification was something that banks offered to help alleviate stress and make one 's monthly payments more manageable. They offered only XXXX modification and if I wanted to stay in my house on my property, I was told I had to take their offer, so I signed it under duress. I obtained a quit claim deed from my county to remove my ex-husband from my mortgage. The bank refused to honor it. Further, they did not decrease the interest rate on my mortgage and I am paying interest at an astounding 7.25 %! It 's now XX/XX/XXXX and I 'm STILL having to meet these high monthly payments! Despite me making timely monthly payments ( I set up automatic monthly withdrawals ) at this ungodly rate, I have discovered that my credit rating shows that this bank reported I was behind on my payments since the modification!
I do not want to refinance with this bank and have sought other banks. However, another bank advised me that I should file a complaint against my bank because when the new institution tried to get information, my mortgage company gave them the run around as well. I was told by other banks that the fees tacked on to my modification ( {$45000.00} due at the end of my loan ), was outrageous. When I asked my mortgage company for refinance information, they sent me a " Uniform Borrower 's Assistance Form '' -for foreclosure! It was as if they had no clue about my loan, that I am up to date with my payments and property taxes, and that I wanted to refinance!! There was also an unresolved question as to why my mortgage company did not use a federal loan and instead used their own in-house loan. Consequently, the bank that I want to refinance with, wo n't offer my refinance until there is resolution with my mortgage company. I DO NOT WANT TO REFINANCE WITH MY ORIGINAL MORTGAGE COMPANY. Another bank believed they could make my monthly payments at least {$500.00} cheaper, per month, than my original modification payments. Every month I am with my original mortgage company, I feel I am losing a minimum of {$500.00} per month. This is outrageous and my mortgage company continues to drag their feet, give me the run around, and give me questionable or incomplete answers. Please help.
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| 10/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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Hello, In the month of XXXX, there was an Accounting oversight on my end that led to my payment being late. As soon as I identified this, I initiated a transfer/ payment the morning of XX/XX/XXXX around XXXXXXXX XXXX XXXXXXXX through the mobile app as I always do. During this process, you select a date on the Calendar that you want the funds to 'Arrive by ' and I selected XX/XX/XXXX ( see attached for reference ).
The funds for the payment were deducted from my XXXX XXXX Account on XX/XX/XXXX ( please see attached as shown on my bank account ).
The funds were sent over to Associated Bank on XX/XX/XXXX and should of been processed on XX/XX/XXXX ; however, it took until XX/XX/XXXX to show process which reflects that my payment is past 30 days late, severely affecting my credit report/ history.
I also attached my XXXX Transfer payment and what does not align is that the day my funds were deducted from my account, they were processed/ received by Associated Bank that same day so I do not understand why this time there was such a delay in processing my payment despite the funds being deducted from my account on XX/XX/XXXX and noted in the transfer too.
Going into that weekend on Friday, XX/XX/XXXX, the funds were deducted from my bank account and Associated Bank noted that those funds were deducted from my account. However, when I went to pay XXXX, I noticed my Account was not updated to reflect XXXX payment.
On XX/XX/XXXX, I direct messaged Customer Service through the Online Portal account ( attached is the conversation ). Customer service acknowledged the delay in processing and apologized. On XX/XX/XXXX, I replied and then called Customer Service and spoke to a Manager on Duty. She stated that she was not sure why it took so long and said she was personally going to file an internal complaint. I asked what else can I do to rectify and she said I could email XXXX to formally submit a complaint and seek further assistance.
On XX/XX/XXXX, I spoke with the loan Service Provider and they stated there was nothing they could do despite the funds being deducted from my account on XX/XX/XXXX and Associated Bank acknowledging the delay and funds being sent over before XX/XX/XXXX.
This is very misleading and fraudulent and I feel that this issue should be rectify because of the delay in processing my payment and the fact that those funds were deducted and sent over on XX/XX/XXXX. There are inconsistencies with when those payments are showing paid, from the date you select during the Transfer process, from what is being communicated by Associated Bank, and when the funds are deducted from my personal bank account.
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| 09/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My autoloan was set up on XXXX. Before applying for the loan, I ensured that this company allowed for any extra payments above the invoiced amount to be applied to the principal on the loan.
Call XXXX XX/XX/XXXX I called on XXXX before my first payment to confirm that any payments I made above the invoiced amount would be applied to the principal. On this first phone call, I was promised that the account would 'coded ' to do this and would automatically do this on any future payments.
Call XXXX XX/XX/XXXX After making several payments, I noticed that my extra payments were not being applied correctly. The first payment I made on XXXX was applied correctly, but the following payments on XXXX and XXXX were not. I called and asked if my account was 'coded ' to allow extra payments to go to the principal. I was told it was not. I requested that this be fixed and retroactively applied to the incorrect payments on XXXX and XXXX. I was told these would be fixed and reflected on my account in 2-3 days and any future payments would also be applied correctly. I was advised to wait 1 week, then call again if there continued to be an issue.
Call 3 XX/XX/XXXX After checking my payment history daily for a week, there was no change. I called again and explained the problem. The representative noted that the request I had made on XX/XX/XXXX was still pending. They submitted another one and I was assured, again that it would be fixed in 2-3 days and reflected on my account.
Call 4 XX/XX/XXXX After no changes were shown on my account again, I called for a fourth time and asked to speak to a manager. My case was not escalated at this time and I continued to speak to the same representative. They put me on hold for a little while and investigated what the issue was. I did not receive any explanation at this time as to what the problem was but was assured ( for a fourth time ) that all of my payments would be fixed. I asked for confirmation of this and was told that their support would reach back out to me when the issue was resolved.
Current date XXXX : Their support has not made any attempt to reach back out to me via email or phone call. A few days after the XX/XX/XXXX call, the payment I had made on XXXX was corrected so that it was applied to the principal. However, the payment I made on XXXX still has not been fixed. In addition, I made my next monthly payment on XXXX. This was processed this morning and the extra payment that I made did not go to the principal.
I have included screenshots of my current payment history as well as the call logs with their support line.
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| 12/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Hello, We went through the underwriting process for a conventional construction mortgage with Associate Bank in XXXX. The initial reason we went down the underwriting process with Associated was their construction loan product had a 12 month interest only period followed by a traditional 30 year mortgage. We received multiple rounds of " Initial Disclosure Documents '' from Associated all that had 12 months interest only payments, displayed very prominently, with no additional disclosures or asterisks. We finished construction early ( about 4-5 months into the loan ) and got a notice that they were converting our loan to principal and interest payments. I reached out initially, via email in early XX/XX/2020, to the loan officer : ( XXXX XXXX Residential Loan Officer | Residential Lending Office : XXXX | Fax : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX NMLS : XXXX ) we worked with to inquire about what had happened and got no response. I followed up again a week later and got a response which was a forwarded email from her supervisor : ( XXXX XXXX VP | Senior Residential Sales Manager Office : XXXX | Cell : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX NMLS ID : XXXX The response was that buried in the FAQ 's on our loan documents, which we received late the night before a morning closing, there is a provision that says once construction is complete they will convert our loan. During numerous calls and emails with our loan officer during the underwriting process this material fact was never mentioned despite the fact we said 12 months interest only was very important to us. I told our loan officer that I though the response was inadequate and the language in the initial disclosures and our discussions ( mine and the loan officer ) were misleading for not ever mentioning such a material fact and I wanted the bank to honor the 12 month interest only commitment. I never received a response back. About 10 days ago I received a call from the bank asking about why we had not made out payment, I told the woman on the phone why and again asked to speak to a manager. I was told that no manager was available at the moment, but that one would absolutely give me a call in 24 hours. To date I have still not heard anything from the bank.
I have attached 1 of the many disclosure documents that we signed and highlighted all 5 of the spots where is says interest only payments for 12 months and not one spot is there any qualifier or note that once construction is complete the loan will automatically convert.
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| 08/20/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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Hi my name XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. On XX/XX/2020 SBA deposit {$4000.00} to my business account for covid19 relief. OnXX/XX/2020 me myself made a cash deposit inside branch for {$4000.00}. I XXXX XXXX the XXXX of XXXX XXXX XXXX XXXX never received a debit card from Associated bank for XXXX XXXX XXXX XXXX until XX/XX/2020 so yes u see numerous of XXXX coming from this business account sending to the same people who are XXXX XXXX XXXX employees. SBA approve XXXX XXXX XXXX deposit that was made on XX/XX/2020 into company account ending in # XXXX. SBA are also very aware of when XXXXXXXX XXXX XXXX XXXX were established so Im confused to why Associated bank will make false accusations stating that in order to get an SBA business loan your company have to been establish a certain period of time XXXX XXXX XXXX XXXX are active with the state of Illinois, and IRS. Associated bank stated they sent SBA deposit back SBA stated over the phone that the deposit made on XX/XX/2020 for XXXX XXXX XXXX XXXX can not be reverse. XXXX XXXX XXXX XXXX business account with Associated bank still frozen as of today XX/XX/2020with available balance of {$5300.00}. I have phone records, emails that Associated bank received XXXX XXXX XXXX business documentation in a timely manner. Ive made numerous visit to the branch with an email from banker saying she tried reaching out to XXXX, also she forward all documentation. Associated bank have made numerous of false accusations toward me and my company that make me the XXXX believe an employee of Associated bank trying to steal. Below are evidence of the accurate deposit that was made from SBA to XXXX XXXX XXXX XXXX with 2 recent bank statement from Associated Bank to justify that our company money are still available and not sent back. SBA stated they can not accept deposit back because it have been approve for XXXX XXXX XXXX XXXX. I have disclosed a copy of my personal bank account statement showing that I use my personal account for business purpose and do not have to use SBA loan for personal use. My company already gross {$8000.00} in XXXX and {$14000.00} In XXXX that I have circle on my personal account statement so please stop making false accusations against me and my business. Associated bank trying to make it seem like XX/XX/XXXX are a criminal this not right and should be against the law. If Associated Bank would have did their proper investigation by giving me the XXXX a call instead of judging of how it look my account will not be frozen as of today XX/XX/2020.
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| 06/11/2020 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Banking errors
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Web |
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Summary : Associated Bank will not honor their cashback reward offer for a purchase made prior to offer expiration if the transaction was not processed until after the offer expired.
Detail : Associated Bank offers a Cashback Perks program for certain purchases made from an Associated checking/debit account. There was a cashback offer for XXXX brand mattresses for 10 % cashback, good through XX/XX/XXXX. I made an online purchase from XXXX at XXXX XXXX XX/XX/XXXX ( CDT ) using my Associated Bank debit card. The confirmation email is attached ; it lists the purchase date/time as XXXX XXXX XX/XX/XXXX ( EDT ). This falls within the offer period listed on Associated Bank 's website ( offer description attached ).
The transaction was either processed XX/XX/XXXX ( date it shows up in my bank record ) or XX/XX/XXXX ( date given to me in conversations with Associated Bank ). These dates fall after expiration of the cashback offer. The bank has refused to honor the offer because the transaction was processed after the offer expiration, even though the purchase was made during the offer period. This is apparently policy and not subject to review of actual purchase date.
I think this practice is questionable for several reasons : 1 ) The plain reading of the posted expiration date is that purchases made on or before that date are eligible for cashback rewards. 2 ) It is common for transactions to take several days to process, especially on the weekend, so it's likely that many purchases that consumers make within the reward offer periods are processed later and are not being honored. 3 ) The policy of using the transaction processing date rather than the purchase date is not spelled out on the bank 's public website ( as confirmed by an Associated Bank customer care representative - chat conversation attached ).
In reviewing the fine print of the XXXX offer, I realize that I may not actually be eligible for Associated Bank cashback because I used a coupon code on the website, although it is not entirely clear to me whether the " may not be combined '' condition applies to additional offers from XXXX, Associated Bank, or both. However, this condition was not the reason given for denying my claim ( see chat conversation ), and the reasons given related to offer expiration date seem invalid, constituting false advertising or at the least a deceptive business practice. This issue is likely to effect many people using this program.
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| 01/20/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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I have spoken to 3 employees of Associated Bank on XXXX, XXXX. The bank has offered to share the attorney fees but refuses to do anything to repair the late payments they have placed on my credit rating. Until this issue, I have NEVER had a late payment listed on my credit.
RE : Equity Loan Plan Account Agreement and Mortgage Note Loan No. XXXX Yesterday, I learned for the first time that my home equity account was past due because Associated Bank cancelled my scheduled automated payments that amounted to 2.5 times the minimum payment amount in XXXX XXXX. Associated Bank has retained a collection agency ( XXXX XXXX XXXX, XXXX XXXX, WI ) to foreclose on my home without contacting me concerning the stoppage of payment which Associated Bank admits they are responsible for. These payments have been in effect for over 3+ years without issue.
Due to Associated Bank stopping the payments, I am now being asked to pay considerable late fees, attorney 's fees, etc. in the amount of {$1000.00}. My credit rating has also suffered a XXXX point reduction due to this issue ( XXXX in XXXX XXXX, current XXXX ).
It is my believe that Associated Bank had a responsibility to notify me in a prompt manner ( XXXX or XXXX XXXX ) in order for me to resolve this issue without fees. Associated Bank failed to do so which has led to the current issues. Once notified ( XXXX XXXX, XXXX ) I immediately contacted XXXX XXXX ( XXXX ext XXXX ) to resolve this issue. Associated Bank wishes to hold my home as ransom to force me to pay all fees. I have offered to pay all back payments and late charges ( {$600.00} ) and even attempted to online pay the amount of {$600.00}. In order to resolve this matter I am willing to split the attorney fees of {$890.00} with Associated Bank if they agree to restore my credit to its level of XXXX XXXX. Associated Bank via email yesterday has given me until XXXX XXXX, XXXX to pay ALL fees or they will continue foreclosure. I have also been informed that a supervisor ( XXXX ) would contact me. This has not happened 24 hours later.
If Associated Bank does not contact me to accept my offer I will pay the amount of {$1600.00} as required by XXXX XXXX, XXXX. I will then begin legal action against Associated Bank to have returned all fees and for {$3000.00} for the damage done to my credit due to Associated Banks actions. I have tried to be fair with this issue and have not even been given a chance to be heard.
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| 12/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account information incorrect
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Web |
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My mortgage account with AssociatedBank is in autopay, which I setup using their own online banking tool. The payment has being deducted from my checking account at XXXX XXXX and transferred to Associated Bank since my first payment with no miss at all.
On XXXX there was a {$100.00} increase in the escrow part of my mortgage - duo to tax reassessment. This money is paid in advance for tax purposes and it's not part of the mortgage Principal or Interest. Associated Bank is responsible for collecting this money in order to pay my property taxes when time to do so is duo.
As the mortgage was being automatically transferred from my XXXX XXXX checking account to Associated Bank every month and no call was given or email was sent, I was not aware of such an increase until I checked my XXXX statement which said that XXXX month was " overdue ''. I immediately called Associated back to discuss why I was being charged double, since the money was wired a month ago. That's when they tell me that, the amount paid was considered " partial '' ( because of the " missing '' {$100.00} related to TAX reassessment ) and therefore didn't apply to my mortgage, instead it was kept in a separate account within their organization. I then paid the difference over the phone and also adjusted the XXXX payment. This was done on XX/XX/XXXX. with XXXX and I was given the confirmation number : XXXX.
For my surprise, after all this ordeal and, after paying all the additional adjustments needed, on XX/XX/XXXX my XXXX XXXX was hit with a claim from Associated Bank in the total amount of my over a XXXX XXXX mortgage saying that it is overdue. I called them today, XX/XX/XXXX and they tell me there's nothing they can do.
I file this report since the claim is completely incorrect, I paid my mortgage on time and can not be punished for a mistake Associated Bank made regarding the escrow/tax amount.
I would also like to note that, Associated Bank returned XXXX XXXX dollars from my escrow account because, in their words, we overpaid it so, how can they now, after returning us this money, say that we are late/overdue exactly because of the tax reassessment? It makes no sense.
As documentation I'm attaching my checking account statements from the last 3 months showing the timely payments sent to Associated Bank.
I appreciate your consideration on helping me solve this matter.
Sincerely, XXXX XXXX.
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| 10/14/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I applied for an Associated Bank checking account via a bonus promotion on XXXX/XXXX/XXXX. The promotion terms were as follows : -Open your account with a minimum deposit of {$100.00} from XXXX XXXX, XXXX until XXXX XXXX, XXXX XXXXMake three payments using Associated Bank Online Bill Pay OR have at least one direct deposit of {$300.00} or more within 45 days of account opening - {$150.00} will be deposited into your account within 75 days of account opening after meeting the qualifications I opened my account with a {$200.00} deposit to meet the first requirement. I then proceeded to make 4 payments using the Associated Bank Online Bill Pay to meet the 2nd requirement. The first 3 bill payments were completed on XXXX/XXXX/XXXX and the fourth bill payment was completed on XXXX/XXXX/XXXX.
After meeting the requirements on XXXX/XXXX/XXXX, {$150.00} was suppose to be deposited into my account within 75 days of account opening. Since my account was opened on XXXX/XXXX/XXXX, 75 days from that date is XXXX/XXXX/XXXX. During this waiting period, I contacted Associated Bank Customer Service several times to confirm when the bonus would be deposited. All of their representatives told me the same thing each time : that although I met the requirements of the promotion, I should expect the bonus within 75 days.
As the 75th day was approaching, multiple reps confirmed it is highly unusual for the bonus to not have been paid out by then. When the 75th day came and went, I had not received the bonus. I contacted Associated 's customer service again several times. One representative told me I would receive a call back the next business day regarding it, but that call back did not happen. I then contacted a supervisor, XXXX, on XXXX/XXXX/XXXX who told me that the bonus was scheduled " in the system '' to be deposited either on XXXX or XXXX. As of the evening of XXXX, the bonus was not deposited.
I contacted another supervisor, XXXX, the evening of XXXX who told me there was nothing he can do and to wait until Monday XXXX for what he hopes would be an update. It is now frustrating that I have been given the runaround multiple times. The bank acknowledges and confirms multiple times that I met the terms and requirements of the promotion a long time ago, but they refuse to follow their own terms of the bonus deposit.
|
| 09/17/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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|
Web |
Servicemember |
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I make my monthly payment online to my mortgage company ( Associated Bank ), as encouraged by my lender. My payment amount is about {$680.00}. and I generally pay more. Associated Bank 's online payment program allows customers to select from the following XXXX options ; ( 1 ) Payment ( 2 ) Principal Only ( 3 ) Escrow Only. For my XX/XX/XXXX and XX/XX/XXXX payments I selected ( XXXX ) Payment - with the expectation that the payment would be applied to Principal and Interest. After making my XX/XX/XXXX payment, I noticed that both, my XX/XX/XXXX and XX/XX/XXXX payments were applied XXXX % to Principal.
I called Associated Bank and advised this was not as intended and I needed the payments to be applied to Principal and interest otherwise, I was being harmed as a customer and would need to pay more.
They said they would look into it and get back to me. They have since said they can not reapply my payments and that I have not been harmed. But here are the facts.
3 payments of {$680.00} is {$2000.00}.
I paid {$720.00} in XX/XX/XXXX, {$750.00} in XX/XX/XXXX for a total of {$1400.00}.
I was informed that since my last two payments were applied only to Principal that my accrued interests balance is more than {$1400.00} ( which I would need to get to XXXX for future payments to be applied to principal ). So if I add what I 've paid for XX/XX/XXXX and XX/XX/XXXX {$1400.00} and {$1400.00} ( accrued interest ) that totals {$2800.00}, which is more than {$800.00} more than I would be required to pay during the same 3 month period.
Not only am I being forced to pay more over a three-month period. It appears there is a systemic problem with Associated Banks online payment process that applies payments in a manner that harms their customers. I never requested that my payments be applied only to principal and now they are telling me it will not cost me more ( not correct as noted above ) and that they can not fix it ( not true, I am sure they can re-apply payments whenever they want ).
Again, all I ask is that my payments be applied as they were intended, which is to Principal and Interest and not in a manner that benefits Associated Bank, or harms me, which is what they are doing.
Again, it seems to me there is clearly a systemic issue at Associated Bank that is benefiting them while harming their customers.
|
| 10/14/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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|
Web |
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On XX/XX/XXXX, I made a payment of {$180.00} to XXXX using the " XXXX XXXX '' system through Associated Bank. My statement shows is was taken and paid from my account on XX/XX/XXXX. On XX/XX/XXXX I called XXXX because my bill was due on XX/XX/XXXX and my online statement showed no paymen received. I Didn't want to be late so I made an additional payment of XXXX on that date, online. I spoke with Associated to see what can be done with this issue. I was told It was paid via paper check and it could take up to 10 days to post. The bank representative stated that if It has not posted I can make the second payment to XXXX and if the check is received by XXXX later, It would just be a credit on my XXXX account, or I could wait 10 days and put a stop payment on the transaction. After a few days, I went to the Associated Bank office on XXXX XXXX and spoke with XXXX XXXX on this and another issue I was having with my debit card. When I spoke with him about the XXXX issue, He stated It was paid, not by check, but through electronic means. He said they would investigate. Today, XX/XX/XXXX, I received this email : XX/XX/XXXX XXXX, the service provider for XXXX XXXX with Associated Bank, processes the payments that you make through XXXX XXXX. At your request, XXXX processed the payment to XXXX on XX/XX/XXXX for {$180.00}. However, after sending money to XXXX, XXXX could not withdraw the funds from your payment account. As a result, you owe XXXX for the money XXXX sent to XXXX on your behalf.
Your Bill Pay Service Has Been Suspended XXXX suspended your XXXX XXXX service. You can not use most of the functions in your service, and no transactions will be processed. You must make other arrangements to pay any scheduled transactions.
Reinstate Your XXXX XXXX Service and Avoid Collections Call XXXX at XXXX to pay the balance due, or notify XXXX within 30 days that you are disputing the validity of the payment to XXXX. XXXX can reinstate your service and answer your questions.
Service Fees Any service fees associated with insufficient funds in your account for the payment to XXXX will be withdrawn in accordance with your XXXX XXXX terms of service. Other standard processing fees may apply.
This email is an attempt to collect on a debt and any information obtained will be used for that purpose.
|
| 11/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
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|
Web |
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Back in XXXX, I began a construction loan with Associated bank. Before choosing them, I received a quote for X initial bank fees for the construction portion, and then {$300.00} to transition the loan from construction to 30 year fixed. The initial part went as agreed, when the time came to transition to a 30 year fixed, the loan officer said I could no longer transition the loan as we previously agreed and would have to do a full refinance, which would cost thousands more in bank fees. I highly suspect he gave me a low price to get my business, fully intending to try and gouge me for thousands more once I had a foot in the door ... as this salesperson was very commission-hungry. At this time, I had to quickly pivot and go with another bank as I no longer trust this bank. As part of this process, my bank sent 3 requests for a bank payoff statement. The first request dated XX/XX/19 was a cutoff statement and unusable. The second dated XX/XX/19 was for the wrong period, as we requested a payoff statement for XXXX, not XXXX. The third dated XX/XX/19 was finally accurate. I was charged 3 fees for {$25.00} each to fax these. I never agreed to any of these fees, the {$25.00} to fax a piece of paper is completely ridiculous, and 2 of them are errors on the part of the bank. Also, Associated is supposed to send me my escrow amount and any overpayment within 30 days according to your website. This has not happened. They have claimed they have a check number and mailed it in XXXX. This is a downright lie as I have not received the check ... yet I have received no less than 5 other pieces or correspondence from them in the last 2 months. They want me to stop in at a branch location, sign a bunch of paperwork, probably pay a bunch of fees, to get a new check. I shouldn't have to do that, and frankly based on their actions I just don't trust this bank anymore. I submit this complaint to the XXXX already, the person I spoke with at the bank listened to what I had to say ... and submit a seriously flawed report to XXXX where she completely mischaracterized and downright lied about what I said. The biggest lie being that I switched banks due to a lower interest rate ... which I never said and she completely fabricated out of thin air.
|
| 04/06/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Dear CFPB, I 'm submitting my complaint regarding a consumer mortgage loan with Associated Bank that was obtained through the XXXX XXXX Mn branch at XXXX XXXX XXXX XXXX XXXX Mn XXXX on XX/XX/XXXX. XXXX # XXXXThe loan amount was for {$41000.00}. I became concerned when I noticed that despite on time payments, my principal balance had not changed. Associated bank offered me several explanations on my numerous visits to the bank to inquire, which never really made sense to me. I was told that it took several years for the principal amount to decease. My last visit to the bank to inquire about this was in XX/XX/XXXX. I had gone into the bank and or called previous to XX/XX/XXXX, at least XXXX times a year, always trusting that the bank was correct and it would take time for my principal balance to come down.
I was also told that my loan was an interest only loan ( though I specifically had requested a loan that was not interest only ) since my XXXX mtg was an interest only and I did not want another one. The gentleman that oversaw my loan at its inception assured me it was not interest only. Incidentally this man was no longer employed at the bank within weeks of my loan ( I did see him oddly enough at a store and he would not speak to me ) I really became concerned when a bank teller who processed one of my payments whispered to me that I really needed to get out this loan.
At present I have paid off somewhere around {$39000.00} dollars on this consumer loan, and still owe more than the total it was taken out for some XXXX years ago. By the time I pay off this loan I will have paid {$130000.00} dollars.
I 'm quite concerned that this loan is predatory in nature, that I was taken advantage of because of my lack of knowledge of consumer loans and that the terms of this loan were never fully explained to me despite my numerous attempts at contacting the bank.
On my last visit to Associated Bank, I asked the loan officer if he would have advised his Mother to take this loan? He would not answer me.
I do not think a {$40000.00} dollar loan should cost me XXXX, and I m asking for the CFBP to intervene on my behalf.
I have attached my original note for your review.
Most Sincere Regards, XXXX XXXX XXXXXXXXXXXX
|
| 05/30/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
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Demand for HELOC to be Modified and Approved.
Associated Bank has violated ECOA ( Equal Credit Opportunity Act ) when it denied our HELOC based on our national of origin, our age, and by steering us to refinance instead of getting HELOC. The bank denied it although we have met all its requirements.
After submission our HELOC application on XXXX/XXXX/XXXX, a representative from the Bank called me and inquired the following information : Our home country. I answered XXXX.
Our ages. I answered I am XXXX and my wife XXXX years old.
If we were affiliated with any XXXX political groups. I answered no.
If we were carrying XXXX Passports. I answered no.
Then, on XX/XX/2023, the Associated Bank sent us notice of action denying our HELOC application. Then on XX/XX/2023, XXXX Bank said in its letter our application was processed without wrongdoing occurred claiming that it was denied because of the following reasons : 1. 48 months have not passed since my wife bankruptcy discharge.
2. My wife did not re-established Credit Depth by establishing four ( 4 ) trade lines.
3. Not enough information to verify all income sources.
Then we responded and explained in detail that reasons 1 & 2 above were null and not true based on the following facts : a. Regarding # 1, Associated Bank told me, before submitting my application, that my wifes bankruptcy would not prevent us from getting the HELOC as long as she did open three ( 3 ) different lines of credit in the last couple years. My wife credit report proved that she has the following credit in the last couple years : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.
b. Regarding # 2, as explained in a, my wife has established Credit Depth by opening five ( 5 ) different lines of credits and by having Credit score of XXXX.
c. Regarding # 3, we have submitted everything regarding our incomes. We have submitted last two years tax returns, last two years W2s, Social Security Retirement income, and my wifes last four ( 4 ) paystubs. That what they asked for and if they needed something more, then they should asked ask us for it and not deny our application for that reason
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| 07/15/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Fees charged for closing account
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Web |
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Hi, In early XXXX, I lost my wallet. I called Associated Bank and ask for them to overnight me a replacement card. Associated Bank told me I had to wait 7-10 business days. In the interim, I had a hold on my account. Associated Bank only has locations in Wisconsin, I live in Maryland, I could not go into a local branch. I waited 10 business days and I had no received the card. I called back and was told they forgot to order the card and it would be another 7-10 business days. I couldn't go 20 days without access to my money. consequently, I started an new account at a local bank. I asked associated bank if I could cancel my account without coming in to a local branch. I was told the only way was to bring the account to XXXX balance. I transferred ( what I thought ) was all the funds in Associated Bank into the new account I started locally.my money to a new account.I thought I switched all my reoccurring withdraws to the new account. I forgot to switch my student loan payment to new account. The payment is due every month on the XXXX. On XX/XX/XXXX, my student loan payment went to Associated Bank and was denied and I was notified. I switched the account info for XXXX 's payment. I called Associated Bank to find out what happened in XXXX because I got the notice about XXXX 's payment. I was informed, I had accidentally left XXXX dollars in the account thus it was still open.they also told me that I owed the difference of the my student loan payment and a bunch of fees. the fees were nearly XXXX worth of charges. I explained to the representative the situation and that I would pay the difference plus {$35.00} dollar overdraft fee. The representative agreed. the next day I mailed a check to the address I was given. On XX/XX/2019 they cashed the check for {$220.00}. I explained to the representative that I wanted to have this account closed and sever my relationship with the bank. I wrote FINAL PAYMENT and Close Account on the MEMO line of the check. I called Associated Bank today, I was told I still owe {$47.00} dollars and the account can not be closed until they receive payment.
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| 01/20/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Application, originator, mortgage broker
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Web |
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I applied for a mortgage with Associated Bank out of XXXX XXXX, WI. I authorized them to pull credit on my XXXX/XXXX/XXXX. After receiving a pre-approval, I made an offer on a house. After I made the offer and turned in more paperwork for them, they came back with a debt to income ratio that did n't work for them. They had me pay off my car for $ XXXX and a credit card for $ XXXX which I did to get the debt to income in line. Also, I was going to put 25 % down ( over $ 90K ) and my only debt was then a cell phone bill and an insurance payment. They once again told me that my debt to income ratio did n't work for them and they needed my wife to be on the loan. So they ran her credit and had her do the required paperwork only to back out of the deal completely on XXXX/XXXX/XXXX due to some credit issues related to an old business she owned. Since then all credit issues have been resolved through a credit correction agency and we were approved for a mortgage with another bank. The reason for the complaint is that on XXXX/XXXX/XXXX Associated Bank pulled credit on us again without authorization. We were notified of this because we were in underwriting with the other bank and they needed a letter of explanation stating why we were applying for credit. I contacted our mortgage representative, XXXX XXXX, at Associated Bank several times without getting a valid reason for the credit pull 9 days after they send us a letter telling us they could no longer help us obtain a mortgage. Twice I requested that they send me a letter ( on bank letterhead ) stating that the report was pulled in error and that no credit was extended, a brief apology and that they would be contacting the credit bureaus to have the inquiry removed. I have received no such letter as of today XXXX/XXXX/XXXX. Based on my experience, Associated Bank and/or XXXX XXXX are deceptive in their intentions related to their mortgage process or their process is broken. It is possible they did n't even have the money to lend. At this point I still want my letter and feel they should be fined. Beware!
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| 08/11/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I discovered two-three weeks ago that Associated Bank was assessing overdraft fees for debit card transactions on my business account. It was my understanding and experience that if funds were not available, I would receive an " insufficient funds '' notification at the time of the transaction rather than have Associated Bank treat the transaction as a chequing account overdraft.
When I opened the accounts, I spent approximately one hour and one-half hour meeting with the banker. At no time was I informed that overdraft fees would be charged to my debit card transactions if funds were insufficient. After I discovered this issue, I contacted Associated Bank and was told that there was an " opt-out '' for such transactions. This option was never discussed with me at the time I opened the account as I would have opted out.
After reaching out to the bank and asking for a resolution - i.e., the restoration of the overdraft fees for the last 30 days, I informed them that if we were unable to resolve it I would be moving my accounts. This morning I received notice from Associated Bank that it would refund me a small portion of the overdraft fees. However, Associated Bank canceled by debit cards and closed my bank account. When I went to the bank to determine why my cards had been canceled and the accounts closed, I was met by several bankers at the teller window who simply stated " Your accounts are closed. '' I did not ask to close my accounts and instead told a Associated Bank representative that I would be meeting with my accountant on Tuesday XX/XX/XXXX to discuss the accounts, ensure that I had retrieved my bank data, speak with an attorney, and move the accounts.
Associated Bank was sued for the same practices in federal court in XX/XX/XXXX ( Civil File No. XXXX ( XXXX. Fla ). In XX/XX/XXXX, a settlement agreement was reached wherein the Associated Bank agreed that it had an affirmative duty to inform its customers of debit card charges and to provide them with the opportunity to opt-out.
The same practices continue to be applied.
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| 06/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Due to when I get paid and how much I get paid from my employer, I frequently have to pay the principal and interest portions of my mortgage payment separately. This is allowed by my lender, Associated Bank and I have been doing it for years. Frequently, when I do this, the teller who takes the escrow portion ( second payment of the month ) places the money in the incorrect account ( escrow or P and I ) or applies the wrong amount ( either too much or too little money in either P and I or escrow ). I have, over the years, contacted Associated Bank dozens of times in attempts to rectify this issue as, if the payment is not made and applied correctly, even through no fault of my own, I am ultimately responsible for the bank 's mistake as it is my credit that suffers for their mistake, not them. The XXXX 2017 mortgage payment was applied incorrectly by the teller, I was told, when I called this morning to check if the payment had been applied. I called my local loan officer, XXXX XXXX, for assistance. XXXX told me, during the course of our conversation that because I did n't make my entire mortgage payment at once, like other people do, there was nothing that could be done to help me, because my situation is so rare. Additionally, he stated that Associated Bank 's system for processing payments was not set up to accommodate multiple mortgage payments. So, here is a multi million, if not billion dollar bank that, in 2017 has a computer processing system so inept it can not process multiple mortgage payments on the same account. That makes no sense. This mortgage is my largest bill, by a longshot. I have tried the BBB, We Care at Associated Bank numerous times in attempts to resolve this issue. I am so frustrated and am at my wit 's end. I do n't know what else to do and am pleading for assistance. Make Associated Bank work with me so I can make allowable, on time payments, per their policy. Make them honor good faith lending practices. I do n't know what else to do.
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| 05/07/2019 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I had a 3 year note with Associated Bank ( AB ) ending on XX/XX/2018 with a 2 % prepayment penalty clause. When XX/XX/2018 came we had the Note renewed for a 5 year term. The prepayment penalty ( pp ) on the second note was structured differently. 5 % pp if the note was paid in full in the first year and 4 % pp if the loan was paid in full in the second year and so on.
All I knew before signing the note was the interest rate and the duration of the note.My complain with AB is that I saw the note for the firsts time the day we signed the papers. The AB employee briefly " explained '' each page before flipping them over. very poor mentioning of the prepayment penalty on a 35 page document on a half and hour meeting. I do accept responsibility for not thoroughly reading 35 pages in a half and hour meeting, but I think AB should take responsibility for not explaining well to clients important details of the documentation and for not giving clients ample time to see the documents before signing.
Another issue I have with AB is that they changed the pp from 2 % for the entire 3 years on the first note to 5 % if the note was paid on or before the first year of the 5 year loan, 4 % if the loan was paid on or before the second year, 3 % pp if the loan was paid on or before third year, 2 % pp if the loan was paid on or before fourth year 2 and 1 % if the loan was paid on or before fifth year.
We sold the property less than a year after we signed the second loan and we were charged the 5 % pp.
I tried to work with them to possibly charge me 2 %, much like the first note as the pp was very hefty, but they declined to keep some responsibility for explaining the note terms adequately at the signing.
I am aware of the brutal " goals '' they impose on their employees which in turn their employees either are dishonest with clients or do not take the proper time needed to serve the clients properly. I call AB on shady banking practices and on very poor customer service.
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| 08/14/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This is in regards to a loan that has since received a default judgment against my husband and myself. The loan was originally for {$42000.00}, signed in XXXX. The debt was paid down to below {$30000.00} when this was sent to court and now has accumulated to over {$57000.00}. We lost our business in XXXX, where shortly after my husband moved to XXXX to work. Shortly thereafter, we separated and I moved to XXXX to help take care of a grandmother who was in the late stages of XXXX XXXX. She died in late XXXX and I moved back to XXXX in XXXX. Paperwork shows that the loan was defaulted on by my husband, whom had the vehicle, it was then sent from Associated Bank to an attorney who filed a judgment against us in XX/XX/XXXX. They state that a notification was served on me but there is absolutely no way they could have as I was not living in XXXX at the time. Later in XX/XX/XXXX the account was turned over to a collection agency by the name of XXXX XXXX who then sold the account to XXXX XXXX XXXX in XX/XX/XXXX. We were NEVER sent any paperwork on this account when it was sent to either collection agency! The only time I knew about XXXX XXXX XXXX handling this case was when they stated garnishment proceedings on my husband inXX/XX/XXXX. I did not know then that we could send a verification letter to these companies to verify the debt with them and now XXXX XXXX XXXX says that I am entitled to a verifaction letter as it is past the 30 days notification! How can that be when they never sent a letter to us regarding this debt?!!! I have sent all information to the judge handling the case as well but nothing has been done. This is not right and I would like something looked into regarding this. I should be entitled to a verification of the debt from XXXX as well as XXXX, yet neither one will give this information!!!! XXXX XXXX XXXX continues to collect garnishment on this case even after my husband notifying them that he now falls under the federal poverty level!!
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| 03/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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On or around XX/XX/2023 I became aware that my account was frozen do to my card being denied. I called and learned that my account was frozen. The bank did not give a reason, they just told me that someone from associated bank would reach out to me.
On XX/XX/2023 XXXX XXXX from associated bank reached out just to tell me that my account is being closed and all my funds are now gone and is no longer my money due to an endorsed check that was reported fraudulent. I asked how and why did the bank determine it to be fraudulent, she said that the endorser reached out through a phone call and said that she did not endorse the check.
I said since associated bank obviously sided with a non client if there was any paper trail showing how associated bank determined their decision, I was told that I was not privileged to anything beside a notice that will be sent out telling me my account is closed. I asked could I be issued any policy that associated bank should have in place telling me my rights in this matter, i was told I was not privileged to any documents explaining anything.
Associated Bank closed my account and took a large sum based off a phone call from a non law enforcement, there is no criminal charges, there is no decision from a judge.
Associated Bank never reached out to me telling me anything, not one email, no one called me for a statement informing me of anything, I'm just told that a non law enforcement called and said fraud!
The only contact that was made by this bank was them telling me that my account is closing and they are taking my money {$46000.00} and for me to get it back XXXX XXXX told me I have to reach out to the person that reported the fraud.
Associated bank told me I have no rights, even though for me to become a client I sign into rights.
They have now taken my hard earn money based off a phone call from a non law enforcement and refuse to release anything in writing to me or any existing policy on such a matter.
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| 08/08/2016 |
Yes |
- Bank account or service
- Savings account
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Web |
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Associated Bank knowingly misled me, I tried to set up arrangements on the account but I was given bad information from customer service who told me to go the branch no later than XXXX/XXXX/16 to make payment arrangements. The branch told me they do not make arrangements, I advised the branch that I did not have the money because I am fighting with XXXX XXXX to resolve this matter, they should have a resolution by XXXX/XXXX/16. There was no way to for me to take the money because it was not mine in the first place, my mother deposited that money from other account from the bank that she shares with my stepdad, she was going to use that money for her trip in XXXX now it is gone. I should have been told by the branch or customer service they were going to take all of the money from the account, I was notified on XXXX/XXXX/16 after I have tried to make arrangements. I do not believe my mom should suffer because my checking account ( that is in my name only ) was overdrawn. She was not notified by me that my checking account was overdrawn because it was only in my name. They were being dishonest and now I was told on XXXX/XXXX/16 that all payment arrangements had to made within 45 days of the account being overdrawn, not 60 days. My mom has been a longtime customer at Associated Bank and should have her {$300.00} credited back to the account. Like I advised before I could n't just take all of her money out because she will be using it herself. Associated Bank hid information from me. I want my mother 's account credited back the {$300.00} because it is not fair because she was unaware of this situation. I also advised them that my aunt passed away and her funeral was Saturday, my mother was upset about that and I do have the obituary as proof of what I am saying plus I work from XXXX Monday through Friday. It is not my fault that XXXX XXXX did not pay the {$330.00} check but per their guidelines, the matter will be handled by the legal department.
|
| 12/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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Web |
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I have opened a XXXX account with over {$10000.00} as dictated per offer in the XXXX, IL branch. The requirements listed in the opening brochure to receive a {$100.00} bonus was to keep the above mentioned balance for at least 90 days. Since I have a specific tax situation I have requested the bank to post the opening account bonus in XXXX instead of XXXX since I found that that the bank will be reporting it on 1099 INT form instead of 1099 MISC ( the account bonus reporting is specifically vague listing the reporting category as 1099 only, please see attached ). As result the bank took a very aggressive stand on the issue with the market manager XXXX XXXX stating that " he 's surprised I have nothing better to do with my life than demand bank to delay the bonus payment. '' When I looked at the wording of the offer and floated a possibility of delaying the account qualification so it comes to qualifying the bonus for XXXX by withdrawing the account below {$10000.00} ramping it up again in XXXX ( the account requires 90 day maintenance of the balance however it does n't require it to be held consecutively for 90 days in the 12 months period ) he objected stating that the account will be denied bonus if I do so.
When I escalated the matter the bank offered me the only alternative : to receive a bonus or not. Subsequently the bank awarded the bonus contrary to its own T & C ( before the completion of the 90 day period as in spite ).
Issues : 1 ) Why the bank does n't follow the wording of its legal disclosure closely when it comes not only of the XXXX XXXX XXXX but also its own reporting requirements?
2 ) Why the culture at the bank is such as it creates a needlessly adversarial environment as if the bank representatives know my tax situation better than myself?
3 ) What the bank does n't offer a solution to issue ( however unique ) instead of treating the matter as some type of frivolous request?
|
| 10/10/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
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|
Web |
Servicemember |
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Bank note forgery with the assistance of a bank representative allowing for improper and unwanted Agent and Beneficiary ( POD ) for savings and checking accounts. > {$30000.00} Bank 's written response, " After completing investigation of your concerns, we were unable to substantiate the occurrence of any alleged forgery. '' XX/XX/XXXX It was noted that it was the same bank representative that had Notarized signatures on multiple bank cards that we strongly believe not to be authentic in which granted complete access and diversion of funds in absence of oversight to occur.
Verbal reply, " The alleged forged documents had no bearing on how the accounts were paid out. '' claiming that there was no damage. The alleged forgery occurred XX/XX/XXXX. An additional Bank Card was completed and signed XX/XX/XXXX. In reality the suspected forged documents allowed for Agent and Beneficiary to divert funds from Estate for multiple years.
If the bank would have completed their due diligence and matched the signatures with signature on file the forged documents would not have allowed for the diversion of funds.
The bank 's haphazard handling of the reported forgery has allowed the forger and the bank representative 's role to be unsubstantiated.
It remains evident that the bank is unwilling to admit damages nor acknowledge the suspect role one of their past and current bank representative 's played in the ultimately diversion of funds for multiple years.
The bank representative, XXXX XXXX XXXX XXXXXXXX at the Customer Care Center denied access to communicate directly with their legal department to determine authenticity of signatures. They require we hire an attorney and are requesting we enter into a legal battle knowing that they have the benefit of wherewithal.
Forgery is a serious crime and requires due diligence on the bank 's responsibilities to protect assets.
|
| 12/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
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Complaint against Associate Bank, XXXX XXXX, WI XXXX Failure of Associated to stop the fraud, when they had the opportunity.
On XX/XX/XXXX I determined that our computer had been hacked and we were victims of a scam. I called the bank to have our accounts frozen. At that time, I was informed that on XX/XX/XXXX two attempts using XXXX XXXX were denied but a third attempt of {$860.00} was successful. I filed a report with the XXXX XXXX police and a copy was eventually sent to the fraud division of Associated. On XX/XX/XXXX I filed an unauthorized transaction claim. On XX/XX/XXXX, I received a letter stating the bank was reviewing the dispute ( Case # XXXX ). I was never contacted for more information. Repeated meetings with bank personnel were unproductive. Letter dated XX/XX/XXXX stated the bank determined the transaction was valid and they would not be refunding my money due to fact that the XXXX XXXX was an authorized transaction using our cell phone, email and IP address. The question is why on XXXX. a money transfer was denied and at XXXX. was also denied. On XXXX. a withdrawl for {$860.00} was successful. I received no calls from Associated questioning these transactions. Note ; the primary phone number for this account is not my cell phone but a land line. The bank has never addressed these questions.
I also have a complaint with lack of communication from Associated. The Minnesota Department of Revenue sent a check on XX/XX/XXXX and was deposited to the frozen account on XX/XX/XXXX to which I had no access. Only after checking with the state on XX/XX/XXXX did I find out where the money had been sent. The bank never notified me of the deposit and when I went to the bank, the teller told me I could have gone online which was impossible as the account was frozen. She then had to get someone to override the freeze to access my money.
|
| 04/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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|
It started about a year ago with getting checks cleared for an insurance claim and the myriad of demands from your department that even the insurance agent didn't know how to complete. Even the SIGNED OFF CITY PERMIT of the completed work wasn't enough. Instead it took a call to our state Attorney Generals Office to resolve the issue.
Every time I called about the insurance claim, I had to start over with a new customer service agent who could only email them and get a response in 3-5 days. And, everything had to me through the USPS. Letters I got said I had 10 days to return the required documents. The letters got here in 8 days. Then, the letters were very unclear of what you wanted - Anytime the letter has the words " we may require one of more of the following '', that leads me to believe that even you don't know what you need. This took FOREVER to get answers.
I refinanced at a new bank and have left AB ( or are trying ) ...
Now, I get a mortgage payoff letter from you on XX/XX/XXXX. Today I get a letter stating that I still owe for XXXX and IT'S LATE with a late fee ... I've always made auto transfers from savings to mortgage and I left more than double the amount just in case. On XX/XX/XXXX, I get an email alert that the auto transfer failed because the account was closed. It was obviously the mortgage because the savings remained active well past XX/XX/XXXX.
Today I had to make an electronic transfer into what I was told was a 'closed account ' just to keep you from tarnishing my PERFECT credit rating. When I spoke to the customer care, he couldn't figure it out and I was even on hold for 21 minutes while he worked with someone else.
Today I called because the payment hadn't posted and she said this was already reported to the credit bureaus and it was my problem to resolve.
|
| 12/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I currently have multiple mortgages with many different servicers and Associated Bank is on a completely different level in terms of their inadequacies. Attempting to work with Associated Bank is the single most frustrating experience of my life. Its like taking a step back into 1970! You can literally do NOTHING online except view a statement. You can't view specifics on your account, request a payoff, view escrow account -- NOTHING. In the 20+ years I've had mortgage accounts, I've NEVER spoken to the servicer as much as I have to with Associated Bank over the past 18 months. Most recently, they made another error on my escrow account. Luckily the taxes are only due twice a year on this property, so they can only botch it up semiannually! We went through the regular dance on XX/XX/XXXX where they call, so we pay the shortage. I called back on XX/XX/XXXX to find out what it will take to just pay the entire escrow shortage, I cut them a check for {$1600.00} and we're done. Nope! This time as an added twist to their incompetence, they start sending delinquent notices! Apparently, although I paid exactly what the rep told me to refill the escrow account, they later decided I should give them another {$1000.00}!
Finally, after wasting another hour of my life on the phone with this listless band of halfwits, my checking account was debited over the phone for another {$100.00} for the payment shortages, and I've requested another {$1000.00} to go into escrow. I'm sure that in XXXX, they will be sending me a refund again because my escrow account is over-funded!
Associated has clearly shown their inability to simply balance and pay an escrow account. I want to have my escrow account dropped w/out any charge. If anything, they should be paying me for all my time and frustration!
|
| 09/01/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
On Wednesday, XXXX XXXX, I checked my bank balance on my phone through the bank 's app. I saw a balance of {$200.00}. After seeing this, I proceeded to make purchases on my debit card. The following day I received an email notifying me of an NSF fee that had been deducted from my account. I checked my account online only to realize that our balance had been $ XXXX when I checked it on the app. ( There may have been parentheses around my balance which were the only indication that the account was overdrawn on the app. This did not register with me as a negative balance. ) By this time, there were XXXX {$35.00} NSF fees. I called my local branch and was informed that I would need to speak to the branch manager but that she was in a meeting. It was suggested that I either call back the following day or contact a toll free customer care number. I immediately called customer care, and had XXXX of the fees removed but was then informed there were XXXX more being added for a total of XXXX. The customer care rep informed me she could only do a courtesy credit of XXXX fee per year. We have tried to negotiate these fees with the branch manager since then, but she does not seem able to help us though she continues to try. We were not aware that when we opened our account we had allegedly agreed to " overdraft protection '' which was why our debit card was not declined at any point after we were overdrawn. We do not regularly run our account down to XXXX. A purchase made over a month ago, came through very late and unexpectedly. We were always under the impression that in the unlikely occurrence that we were ever out of funds, our card would merely be declined. Since this happened I have opted out of this " protection '' regarding my debit/ATM transactions.
|
| 11/30/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
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|
Web |
Older American |
|
I wanted to send XXXX dollars to pay for a skiing event in XXXX. I called the Associated Banks customer service line on Wednesday, XXXX XXXX, and was told to call my local branch and that they would help me with sending money to XXXX.
On Monday, XXXX XXXX, I called the local branch, and they referred me back to the Associated Bank customer service line. I called the customer service line, and was told to call the local branch. I told them that I had just done that. XXXX began to look into the problem for me, and about thirty minutes later she called back and told me that what I needed was a Foreign Draft. She said I should ask for a supervisor or manager, and that the cost would be {$40.00}.
On Wednesday, XXXX XXXX, I went into the branch and said that I needed a foreign draft for {$870.00}. The person helping said that she didnt know what that was. I said that I was told to ask for the supervisor or the manager. She said that she was the supervisor. She called two people, and the second one walked her through the process. The transaction went smoothly. I was a bit surprised when she said that a XXXX dollar was {$.00} American. Five days earlier XXXX said it was {$.00} American. She said the check would be here on XXXX XXXX, but it was actually here on XXXX XXXX.
I made the mistake of not checking with XXXX before arriving at the bank. Later in the evening, I asked XXXX, and a XXXX dollar was worth {$.00} American. I did not question the transaction, thinking that the bank would have the exact price for a XXXX dollar. The transaction fee was actually {$20.00}. On the attached form, it stated {$10.00}. I dont have a problem with that. They should really update their forms, and add creating a Foreign Draft to their training material.
|
| 05/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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In XXXX, XXXX, I received a Earnings Garnishment from the XXXX Law Office. It was referring to a defaulted loan I supposedly had owed. I did not receive a Judgment from this law firm. I did however receive a Judgment for money from a law firm in XXXX, Wi. on XXXX. The amount was {$18000.00}. I sent a Validation of Debt letter to XXXX Law Office, certified mail receipt, on XXXX/XXXX/XXXX. I received the receipt from them on XXXX/XXXX/XXXX. As of this day XXXX Law Offices is not following federal law and has ignored my right to validation. I have not received anything. On XXXX XXXX, XXXX, I receive a copy of Notice of Retainer and Surplus Proceeds signed by XXXX XXXX XXXX, XXXX. in XXXX, wi. This is to XXXX XXXX Bank regarding a foreclosure I was under when the banks were committing mortgage fraud. My house was foreclosed in which I received compensation under the fraud lawsuit. From the paper work, Associated Bank filed the retainer against XXXX XXXX for money when the foreclosed house sold. Proving that the Associated Bank Loan was taken out with the home mortgaged through XXXX XXXX using the equity as collateral to secure the loan. I personally know the house was sold, I do not have any proof that Associated Bank had received any of these funds through XXXX XXXX. I am being refused any and all information in which I have a legal right to know. XXXX Law Office states they were hired by Associated Bank to collect. I believe this is a false representation of who owns this debt. They are currently garnishing my wages without providing proof or even a Money Judgment from them from the court. I am not aware of the technicalities of a fraudulent mortgage loan on a house that was used for a equity loan?
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| 07/25/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Associated Bank regarding the suspension of my ability to schedule transfers and the complete lack of response from their customer service department. I believe that my experience with Associated Bank has been frustrating, unprofessional, and a significant inconvenience.
Details of the Complaint : Inability to Access Account : On XXXX I attempted to log into my online account with Associated Bank, but I was unable to do so. I received an email notification stating that my " Ability to Schedule Transfers Has Been Suspended ''.
Attempts to Contact Customer Service : Immediately after receiving the suspension notification, I contacted Associated Bank 's customer service department through their provided helpline. The representative informed me that my case had been assigned to someone who would handle the matter and assured me that I would receive a call from them the following day to discuss reactivation of the service.
Lack of Response : Despite the assurance, I did not receive any call or communication from Associated Bank for several days. After waiting patiently, I called their customer service again, and once more, I was promised that someone would contact me within the next 24 hours. Unfortunately, as of today 's date, which is almost two weeks after the initial suspension, I have not received any response or call from them.
Inconvenience and Loss : The inability to access my account and schedule transfers has caused me significant inconvenience and stress. I rely on these services for my financial obligations, and the lack of access has affected my ability to manage my finances effectively.
|
| 06/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
I feel that it is because of Associated Bank that I have been scammed out of {$1200.00}. I recently had a transaction I was involved in selling a piece of furniture. I received a check from a potential buyer, which I cashed. I had to send a payment to a mover which was to be from cash I had from cashing the check. I was told by the bank teller that it could take up to five business days for the check to clear and ensure the check was good.
On the fourth business day after cashing the check, I called Associated Bank customer service line and spoke with XXXX, who informed me that the check had cleared. I specifically asked him to confirm it had cleared both banks, and he assured me it had. The fifth day, I called again and spoke with XXXX? who confirmed again that the check had cleared both banks. I then paid the mover with the cash.
Two days later, I received an NSF notice, dated the same day that I had the phone confirmation with customer service. When I went to the bank and spoke with the branch manager, she was very nice but said that I should not count on customer service because they were not always good with communicating correct information. I should call a branch and speak to the manager in the future, because they are much more experienced. She sent my information to her fraud department, and nothing further was offered.
If I had not been assured twice by two people at the bank that the check had cleared both banks, I would have never released the cash to the mover. Now I find myself out the {$1200.00} because I believed the Associated Bank customer service department. I asked the bank to check their recording of my calls to verify what I asked and what I was told.
|
| 01/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XX/XX/XXXX we paid our mortgage loan in full with Associated Bank. Since then, we have received several pieces of correspondence in the mail confirming this, as well as a letter confirming the amount that had been escrowed for insurance and taxes which we would receive via check. Since over a month had passed and we had not yet received the check and taxes are due at the end of the month, I called their customer service on XX/XX/XXXX. The representative said that a check had been issued, though he was not clear on the date, he provided two different dates. Concerning, since we had received all mailed correspondence up to this point. Even though we have had no issues with our mail, I provided our new mailing address and he indicated the check would be reissued. Still having not received the check yet today, XX/XX/XXXX, I called again with concern for having the funds to pay our taxes on time. This time the representative informed me that we needed to sign a stop payment affidavit in order to have the check reissued. Trying to do what I could to resolve this issue, I got in my car and drove to the local branch only to find it closed. I called back again, and was then notified that only in-grocery-store branches were open today, none being within 40 miles of us. I then asked to speak with a manager who could only reiterate that the check had not been reissued and we had to go to a branch to sign a stop payment. We continue to follow up and try to be proactive, only to be misled. We have had no issue with our mail, so its interesting that the only thing we dont receive is this check. They have made no attempt to rectify the issue, and feel no urgency in handling the situation.
|
| 05/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I am in need of some help. On Saturday XX/XX/XXXX at XXXX my deposit of around was rejected and not completely returned to me in the amount of {$220.00}. XXXX XXXX was the ATM number. My {$500.00} deposit right before was successful but my next deposit was partially spit back out and the rest never came out as the mouth of the money feeder remained open with gears turning leaving the rest of my money caught inside and then a receipt that said my transaction couldnt be processed. I freaked out and called customer care as I was standing there. I followed up with signing a dispute paper on Monday at the XXXX Illinois branch of Associated Bank. They said the atm was audited Tuesday. I dont have a lot of money and bunch more coming out. I need my money and some peace of mind that it was located and credited to my account. I dont want to have to bank anywhere else because I have a mortgage, a car, checking savings and multiple family members accounts there but I know I will not be able to deposit my cash like this anymore. I have been assured by others that this can happen and their money was returned. I have followed up on the phone 3 times and email twice to try and get an answer about my money with their customer service. The cameras on the ATM would surely see my horror during the incident. This bank previously cost me a lot of time and angst by improperly handling my escrow account for my mortgage last year. Im so distraught and want my money available so I can pay my bills. This is such a huge anxiety riddled incident as so many have shared their horror stories with me about them and depositing into an ATM and I dont know how to get my money and peace of mind. Please help.
|
| 10/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I paid my mortgage payment into Associated Bank during working hours within 30 days. They accepted payment within 30 days, however administratively, posted the payments XXXX day and reported me late to the XXXX agencies. These payments I am referring to are for the months XXXX and XXXX XXXX.
I believe they violated Regulation Z and X.
Regulation Z for Mortgage Loan payments states : RULES FOR MORTGAGE LOANS Crediting Payments as of the Date of Receipt Section XXXX ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received. However, this does not mean that servicers must physically post a payment on the date received, provided the consumer is not penalized by the delay in posting. In other words, a servicer can have a delay between the time it receives a payment and posts it to the consumer 's account, as long as the payment reflects the date of receipt when it is credited. The distinction is important because it may not be operationally feasible for a servicer to post a payment on the date it is received. Comment XXXX ( c ) ( 1 ) ( i ) -1 of the Official Staff Commentary ( OSC ) for Regulation Z clarifies this point : A servicer that receives a payment on or before its due date ( or within any grace period ), and does not enter the payment on its books or in its system until after the payment 's due date ( or expiration of any grace period ), does not violate this rule as long as the entry does not result in the imposition of a late charge, additional interest, or similar penalty to the consumer, or in the reporting of negative information to a consumer reporting agency XXXX emphasis added ).
|
| 09/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/2023 I received a phone from a woman named XXXX claiming she was from Associated Bank. I returned the call from the number XXXX. The recording says that it is associated bank and asked to state the nature of the call, I said it was a return call. I was connected with someone who said they couldn't tell me why I got the phone call unless I verified my information. I was at work and hung up and figured they were calling because my account balance was - {$240.00}. I called back again around XXXX the same day. Thinking this was the bank the woman on this call asked to verify my information. I ended up giving out my account number and the last 4 of my social. She then told me that there was no account and then asked for my ENTIRE social security number and at this point I stopped and did not give it out. I asked to be transferred to my bank and she stated she was not able to do that because she is from a different branch. I called my actual bank, told them what happened and made an appointment to go and have my account changed ( checking ) I called this company again because they claim if you return the call to them they can ask you to verify your information. However, the last call I made I had hung up, this gentleman called me back and I asked several people what the call I got was for were unable to tell me but somehow this man was able to figure out my account was overdrawn ( I never disclosed that information ) and called me back to tell me he was able to figure it out without verification then asked when I will be depositing money into the account. I hung up on him.
|
| 09/18/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I received a charge to my checking account in the amount of {$340.00} on XXXX/XXXX/15. The charge is from XXXX and is under the name XXXX XXXX. I noticed the charge on XXXX/XXXX/15 and immediately called to file a dispute. I received the paperwork to sign and returned it on XXXX/XXXX/15. The paperwork I signed was an affidavit that it was not my charge. I immediately placed the signed affidavit back in the mail in the postage paid envelope provided. I called on XXXX/XXXX/15 to find out when I would receive my provisional credit and I was told after 10 business days of the complaint. When talking with the customer service representative, we both agreed the credit would be posted to my account on XXXX/XXXX/15. She told me it would be later in the day. So, on XXXX/XXXX/15 at XXXX. I contacted Associated Bank to find out why I had not received the provisional credit. At that time I was told my signed paperwork was not received. I was also told the dispute area was closed so they would have to call me on Monday. And that I would not get provisional credit until 10 days AFTER the signed paperwork was received. They said they would re-mail me the documents for me to sign and it would be an additional 10 days AFTER they receive those documents that I would receive provisional credit!
It looks like the charge to my account is an ACH transaction that obviously was taken from the wrong account. Maybe {$350.00} is not a lot of money to them, but I need the {$350.00} that was incorrectly taken from my account to pay bills. The bank refuses to give me credit to the money that is mine.
|
| 12/06/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
As the victim of identity theft, I should not need to prove my innocence to recover money that was stolen from me.
On XXXX XXXX, 2015, my checking account debit card was used without my knowledge and without my consent for {$850.00}. According to the bank, my card was used at a XXXX XXXX at XXXX on XXXX XXXX, and it was done in person. They said the only way that it could have happened was if someone copied my card and signed in person. Great. I was at work all day and have physical evidence that I was there the entire day. This transaction could not have been done my me. I am the victim of identity theft.
I went to Associated Bank on XXXX XXXX, XXXX and XXXX in an attempt to dispute the transaction. I was told the first two times that I needed to wait until the transaction was no longer pending to dispute it. On the XXXX, I was able to successfully dispute the transaction, and the bank told me that they needed to conduct their own investigation. The lady who helped me told me that " as bad as this may sound, the more you try to prove your innocence, the better it will help your case. '' At her advice I went to the XXXX XXXX the incident occurred at with the information the bank had given me. XXXX XXXX informed me to file a police report, and I did in XXXX, MN with the incredibly helpful Officer XXXX ( Badge XXXX ). The case file number is XXXX.
I have done everything Associated Bank has asked me to do to prove my innocence. They have provided me with no evidence that I made the purchase, yet they insist on not returning my money until XXXX XXXX at the earliest.
|
| 06/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I got a loan for a used car XX/XX/XXXX from Associated Bank. I have consistently had problems making payments through their website, with checks, etc. I have made all my payments but they are showing me in arrears. Not only have I made the monthly payments I have made principal payments of XXXX in XXXX, XXXX in XXXX and XXXX in XXXX. The first time I tried to make the principal payment in XXXX of XXXX through their website they sent me a letter that my bank did not send. I don't know how that happened but made the payment a second time through their website which they finally received. XXXX 's payment I mailed a check on XX/XX/XXXX along with other checks for bills, etc. The other checks were cashed but Associated Bank called me saying I didn't make XXXX 's payment. The check was never cashed. I was told they would take XXXX payment from the XXXX principal payment I sent in XXXX. That was XX/XX/XXXX. To date, this payment has not been applied to the loan and every time I call they say it is on their end but my account online still shows behind. First it was I needed to wait 24-48 hours for it to show. It is not XX/XX/XXXX and we are well past the 24-48 hours. They also make making principal payments difficult stating that when I do that I need to call every time and tell them to apply to principal. I am NOT late on this loan nor have I ever been late on ANY loan I have ever had. It is difficult and arduous to talk to this company and when they say its taken care of why wouldn't it show on my online account. Every time I call it is a different excuse.
|
| 08/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I contacted what I thought was XXXX customer service # XXXX to see why I was having a charge taken out of my checking account when I do not have XXXX XXXX. They identified themselves as an XXXX representative and said there was a XXXX XXXX that was ordered and set or delivery for the amount of XXXX. They said my account had been hacked and we needed to set up a dummy account to fix the issue. They remotely logged into my laptop and tried to fix the dual hacking.At some point I was called back by phone # XXXX. After a bit they said they needed a pin # from a XXXX XXXX gift card to fix the issue. They put what I thought was XXXX into my checking account to purchase the gift card. This happened 3 more occassions when they needed to get another pin and run it to fix the hacker. When I was at the store, they transferred money out of another checking account making it appear they were inserting the funds in the account. They also purchased 2 XXXX cards against my checking account through a XXXX XXXX account. One amount for {$100.00}, XXXX. These invoices will be enclosed with a site of purchase called XXXX XXXX. I also received emails from XXXX XXXX stating the account was upgraded. The account was closed through XXXX XXXX, XXXX and my Financial institution. In all these hackers got XXXX of my money through gift cards and then the two charges for the XXXX gift cards. The next day I received a text message from # XXXX stating we missed your call and to call them back for the refund pending under my name. I did not call back and blocked them.
|
| 10/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Associated Bank continues to report a closed, paid in full account as currently 30-59 days past due on my credit reports. The account is paid in full so nothing can be currently late. The bank keeps saying they are reporting correctly yet when I asked what I need to pay in order to bring this account to a current status, I'm told nothing is owed since the account is closed. I know this, since I paid the account in full. I can't say enough that the account is paid in full. Since Associated Bank keeps countering that they are reporting correctly, I ask they specially answer the two questions as part of their response to this complaint so it is on the record here : 1. What is the balance on this account? 2. What is the current amount owed to bring this account to a current status? Since the bank is reporting the account as 30-59 days past-due that means a payment is necessary in order for it to be brought current which I then need to pay. If the answer to these two questions is anything other than zero, than the bank needs to correct my credit reports to reflect that the account is not currently 30-59 days past due. I also demand the bank send me any information regarding the arbitration clause that may be associated with disputes regarding this account as that is going to be my next step. If there is not an arbitration clause than the bank should advise so in their response here. A copy of the reports in question are attached with the current payment status section circled in case the bank needs assistance in reading the obvious.
|
| 03/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Hello, On XXXX XX/XX/23, I contacted my financial institution ( Associated Bank ) which whom I bank with, to report fraudulent activity on my debit card which occurred on XXXX XX/XX/23 in XXXX, MN. An unknown individual ( s ) was in possession of my debit card and fraudulently withdrew {$2400.00} from my bank account and also used the debit card at a gas station to make a purchase of {$36.00}. On XX/XX/23, I went to the Associated Bank branch on XXXX XXXX in XXXX, WI to file a dispute. The Banker informed me Associated Bank would initiate an investigation and try and get back to me with a decision whether my dispute was accepted or denied within 10 business days. I did not hear from Associated Bank so I called them on XX/XX/23 to inquire if a decision had been made. Associated Bank informed me that the dispute had been denied and they would not be crediting my account with no further explanation. Since this was clearly fraudulent activity, I 100 % feel that Associated Bank needs to credit my account.
I filed a previous complaint in regards to this matter and received a response from the business today that I do not agree with, They said I physically used the debit card in question after I reported the fraudulent activity but that is not possible as I was not in possession of that debit card. When I first filed the dispute with Associated Bank, I was told they would do a full investigation and look at the video footage of the cameras at the institution where the fraudulent activity occurred but this never happened.
|
| 07/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Associated Bank who I have been a customer with for over 10 years is continuing to add fees to an account that is already overdrawn. I am constantly getting conflicting information, I was told by the customer service toll free number that I could cash checks on my savings account since it had a positive balance, I was told at the branch that I would have to deposit my work check in the negative account even though I am not in the position to do that. I was at the bank on Saturday cashing a {$4.00} check and I heard the teller yell that my account was overdrawn which a few people overheard. The teller should have just given me the negative balance on a receipt and not yell it where other people could hear it. It was very unprofessional but the bank states they will close this account if the balance is not bought to a positive balance, the account will be closed on XXXX/XXXX/16. I have spoken to my other bank XXXX XXXX about not honoring my check but they are investigating this and I was advised it could take about XXXX days which means this will be resolved until XXXX/XXXX/16 per their calendar. I want all of the fees after XXXX/XXXX/16 to be credited back to the account because the account is already negative so need to add unnecessary fees to the account. I had Associated Bank collection calls and they claim my address is incorrect even though my address has been the same for over 12 years. They continued to call me even though they claim the information is not correct.
|
| 03/24/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2021 I applied for a mortgage with Associated Bank. A few days later I received a letter indicating my FICO score. This letter indicated they were sending it to me because it is required and that they would contact me with further details about my application. On Monday XX/XX/2021 I sent an email to the loan officer introducing my self and asking if anything further is needed on my part. I did not recieve a response, through email or phone. After a few days had passed, on XX/XX/2021 I called customer service, specifically the mortgage center and spoke with them about my situation. The person stated he " can see from the computer that I applied 45 days ago '' and couldn't tell me why there has been no response. He said I can apply at another bank if I wanted to. He gave no other options or assistance. The following day, XX/XX/2021, I sent an email through the Banks " contact us '' section. I received a response stating that the complaint was received and will be forwarded. As of XXXX, 2021 I still have no response. No communication from the Bank or request for documents. On the day I applied they checked my credit score and that's it. If I didn't qualify, a simply courtesy note would have been fine. I could have gone somewhere else but I didn't want additional hits on my credit. I don't know why, after emails and phone calls they have not responded. Not a notice to cure or any response. I thought there was a law or something about that. Thank you.
|
| 10/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Associated Bank helped me dispute multiple disputes including one for XXXX and during the internal investigation of associated bank corp and the other website vendor they determined that the transaction was valid based on an ip address, date of transaction and username and my email address. im still disputing this because is my current email address that im using but someone is watching my email emails that's how they know all my whereabouts and thats why im getting all the calls and the texts that are harassing and and spam fraud and identity theft people are hacking my and collaborating my XXXX XXXX settings and i can't control no matter how many times i change my password. someone has control from somewhere else. i can pull my XXXX location history and dates from my email address and ip addresses to see if that matches the login the other website gave associated bank. the other red flag was they are claiming to associated that my email was linked to a username i created which i didn't and i dont recognize for one for two my whereabouts on the date that ip address access used my email address and that username to log that site was from location XXXX XXXX i have alibi that places me in XXXX XXXX all day that where i live. I claim someone's setting me up and associated is coming after me because financially there holding me responsible for this XXXX transaction plus whatever else i disputed with it from all the other probly phone websites.
|
| 03/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
i complained to XXXX about this is and now there telling me to go to the bank sop for this reason this is not a duplicate complaint.
On XX/XX/2021 there was XXXX fraudulent transactions, on my Associated Bank statement from XXXX to XXXX XXXX There was XXXX of the same transactions XX/XX/2021, there was XXXX charges that said XXXX XXXX XXXX XXXX XXXX XX/XX/2021 there was XXXX charge from XXXX XXXX XXXX XXXX XXXX XX/XX/2021 there was XXXX charge from XXXX XXXX XXXX XXXX There was XXXX charges total. All these charges were facilitated from his device by him. I am alleging that this was fraudulent and unauthorized by me. I am asking XXXX to investigate this as a a a part of this complaint on there part. It looks I am out all of the money to begin with, the grand total would be all of it because it was coming from both accounts he was facilitating. The information I'm going to send is, my written list of the charges, and statements that Associated Bank had printed out. That XXXX account was totally comprised, it is something XXXX XXXX created. If XXXX is not aware of this they need to be aware of it.
XXXX response is attached and explains to contact associated bank for further investigation and XXXX works with associated bank. I did contact XXXX XXXX they reached out to XXXX XXXX he lied to them. I am attaching the police report upon getting your written response to the CFPD complaint I will be taking XXXX to civil and or small claims court.
|
| 01/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
On XX/XX/XXXX I noted 2 unauthorized withdrawals from my checking account posted on that same day and I immediately notified my bank that same XXXXThe first was a " XXXX XXXX XXXX debit of {$2000.00} '' and the second was a " ATM XXXX XXXX XXXX XXXX XXXX '' debit amounting to {$980.00}. Both items bore " Pending '' as part of the description.
On XX/XX/XXXX my wife and I called the bank and were told the only available person in authority to meet with was a person at a food store location. Briefly we were informed that we should " freeze '' the account and set up a new account, transfer the account '' s remaining balance and all monies would be returned soon or at least in 10 days.
My balances were always shown in the original amounts but could not be transfered when I tried.
Mant exchanges between the bank and us, none truthful or factual until we finally were notified that all monies had been returned to our account and NSF fees were changged in amounts. However, when I tried again to transfer, the notification was that the funds could not be transfered. Such remains the case today! XX/XX/XXXX as we prepare to again personally tomorrow XXXX.
The bank involved is Associated Bank with main offices in XXXX XXXX, Wisconsin. Their authority advised that my funds would be held pending their ability to recoup fradulently removed funds.
Amounts currently held in the " frozen '' account include Social Security and Private Pension funds.
|
| 09/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had what Associated Bank refers to as a Credit Builder account. Which was essentially a CD I paid monthly that they reported as a secured loan on my credit report. This account was opened in XX/XX/XXXX with a term of 24 months.
In XX/XX/XXXX I made an early final payment in the amount of {$340.00}, which paid off the account six months early. As of today, XX/XX/XXXX, Associated Bank continues to report this account 's current status as 30-days past due on my XXXX and TransUnion credit reports. After disputing this with the bank, they advised that that payment for XX/XX/XXXX was late ( also in dispute ). Regardless if XXXX 's payment was 30-days late, my pre-payment for the remaining balance immediately brought the account current. Which is why the account is now closed. It has been reported as " currently past due '' for over three months now. Please note for clarification that I am not referring to the tradeline 's monthly payment history. I am referring to the " Current payment status '' of the account on both above mentioned reports which should reflect it's current status.
I have attached three files to support this complaint : 1. Screen shot of this account on my XXXX report ( file labeled respectively ).
2. Screen shot of this account on my TransUnion report ( file labeled respectively ).
3. Copy of email from Associated Bank confirming final payment ( file labeled respectively. Note that date the email was sent ).
|
| 10/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I had a charge come thru that overdrew my account. I had canceled the membership earlier Im the month so I filed a dispute. The charge came thru XX/XX/19. I received a letter with a form to return that was dated XX/XX/19. I faxed it back XX/XX/19 selecting option saying it was previously authorized but since canceled. I received a letter on XX/XX/19 which was dated XX/XX/19 from a collection agency saying my account was closed and sent for collections. The same day I received a letter dated XX/XX/19 from the bank saying my claim was closed because I had authorized the charge before. After talking to Associated bank at length the reason I was given for my account being closed was since the charge over drew my account despite me disputing the charge because the bank had added so many overstay fees including daily fees they closed it over. Eveythough again the only item that had my account negative was in dispute. I called XXXX XXXX who had charged the fee originally and they apologized for the errand reversed it. Also assured me my membership was cancel. ( I had 2 accidental XXXX exposures and I told the waiter I am XXXX ) as a result I cancel. Associated Bank closed the account before 30dsys of it bring overdrawn because of fees they charged and sent it to collections before a decision was made on my Reg E dispute. Their overdraft fees ( daily and otherwise ) apparently trump due process with Fed Regulation E
|
| 01/09/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
I was being scammed and one of the transactions involved a money wire transfer from my account at XXXX XXXX to an account at XXXX Bank in XXXX Wisc. in the amount of {$23000.00} on XX/XX/2021. XXXX recognized that the recipient account was a fraudulent account and stopped the transaction. Now XXXX is holding the money and has made it literally impossible to get back. XXXX wants a Hold Harmless Letter from XXXX XXXX to retrieve the money but XXXX XXXX doesn't do Hold harmless letters and so XXXX wont deal with them. They won '' t even talk to me because I'm not the recipient account holder. They've admitted that it's my money but they won't give it back. They've made it literally impossible for me to get the money and it will sit there forever because no one can claim it but me. They claim that a Hold Harmless letter is a standard bank to bank process but XXXX XXXX doesn't recognize it.
The contact info at XXXX is XXXX XXXX XXXX, Financial Crimes Investigator -Financial Intelligence Office XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX The recipient account info is XXXX Bank XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX Account # XXXX Routing # XXXX XXXX XXXX XXXX All they tell me to do is to do whatever XXXX XXXX tells me to do. All XXXX XXXX tells me to do is file a police report which I did. It did absolutely no good. I have documents but I'm having trouble uploading.
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| 04/17/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I was in contact with an Associated bank phone banker on a Sunday ( I dont have dates due to not being able to log into my account currently ) and was told I needed to go into a branch to dispute unauthorized charges that were on my debit card. The phone banker put a freeze on my debit card that day. I was able to get into a branch 2 days later due to work schedule and there bank hours. I spoke to the branch manager and explained to him there were 3 charges that were unauthorized for over XXXX with international fees and charges. I signed the form that the banker went over with me and he submitted it to there fraud department. He did say I would be receiving notice of the dispute and that if could take 7-10 business days. I received no notice during the 7-10 days that my dispute was in processing or any form of update throughout the 7-10 days stating that it was in process. On the 10th day I received a notice in the mail stating my dispute was denied and that the charges were authorized based on the information gathered. I then called 2 different occasions and requested that information that was gathered that said I did make those charges. I have yet to receive this information and keep getting the same answer " we sent that department an email. '' I have not been given any information and noone has been willing to provide me a intelligent answer or provided me info regarding my dispute.
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| 05/06/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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On XX/XX/ I opened an account at the bank in WI with the offer which was sent to my address. According to the offer the savings account should be opened for at least 90 days and funded with XXXX. This was met my mid XXXX however the {$200.00} bonus to be credited to account was not there.
When I called the customer service phone number given to me at the branch XXXX the CSR told me that she's unfamiliar with the offer and the product listed. I then was transferred to the supervisor who told me that the branch manager who opened the account did not put a proper code indicating the offer to begin with.
When I called a branch I was told that the manager who opened an account is not present and will be available next week.
Here are two issues : 1 ) why is the Associated Bank so unprofessional in its performance when first the employees are not properly trained to recognize their own products and the offers?
2 ) Why the branch manager in XXXX XXXX, WI who opened the account did not put a proper code to the account? Was it a simple oversight or on purpose to make sure the offer is not fulfilled?
It is my impression now that I am required to get myself involved in a long administrative process to finally get the {$200.00} bonus applied which is very inappropriate and tiresome as I am traveling out of the country for extended stay soon.
This is not the way to treat customers.
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| 07/17/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I applied for an Associated Bank Balanced Checking account on XX/XX/2020 and signed up under a {$170.00} promotional offer. The requirements of the promotional offer were to make three payments using Associated Bank Online Bill Pay OR have at least one direct deposit of {$300.00} or more within 45 days of account opening. The promotion terms also stated that the bonus amount would be deposited into the account within 75 days of account opening after meeting the qualifications I successfully made three separately bill payments on XX/XX/2020. It has now been more than 75 days ( which would have been XX/XX/2020 ) and as of today 's date ( XX/XX/2020 ) I still have not received the {$170.00} promotional bonus amount in my checking account.
I have utilized the online chat function and called the customer service phone number to inquire on the status of this with Associated Bank, and I have been given no concrete answer as to why my bonus has not been deposited into my account and the representatives I speak to keep telling me that they do not have any information for me.
I find this unacceptable as a customer, considering that I signed up for the checking account under the promotion, I successfully fulfilled the requirements of the promotion, and now the bonus has still not been paid out to me in the time frame that was stated.
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| 12/22/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened an account at Associated Bank on XXXX XXXX, XXXX with a signup bonus of {$500.00} if I received a direct deposit of {$500.00} and maintained $ XXXX in a certain period. I have met all the requirements and my friend who opened the account on the same day had received the bonus on XXXX XXXX, but I still haven't received the bonus. I called the bank many times and they promised to help me fix it, but every time either I didn't get a callback or they gave me different reasons. The newest reason they give me is that I didn't make an open deposit when I open the account, but the truth is I gave the check to the banker XXXX XXXX XXXX XXXX when I opened the account, but he told me no need to do that, just doing the direct deposit is enough. I have made more than $ XXXX deposit, if I was told even a word about the opening deposit of {$25.00}, I have no reason not to do that.
Besides, the advertisement only shows : Heres how to get your bonus of up to {$5000.00} ...
Open a new checking account today and : Have direct deposits totaling {$500.00} or more into your new checking account, within 90 days of account opening.
Grow your balanceand your bonusby simply adding funds into your checking or other deposit accounts.
Collect your bonus in 120 days!
There are no words talking about the opening deposit.
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| 07/16/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
Older American |
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i have a home improvement loan through associated banks.i have informed them that i must let the house go to foreclosure. this was over 1 year ago. when they wrote the loan, my home was to be the collateral for the loan. how ever they disregarded the title report indicating that i was n't even listed on the title. my XXXX deceased brothers were listed as tenants in common on that title report. because our local family lawyer, XXXX, misinformed me as to what i had inherited as a sole surviving son. and also never back checked any of the legal actions he had preformed for my family. this left me with an unsellable house which i have remodeled, but do n't own. associated has been elusive on reveling what actions they plan against me for defaulting on a loan they should never have written in the first place. XXXX XXXX is the loss mitigation manager whom Ive spoken with in the past. almost impossible to be reached by phone, very aggressive & confrontational. according to a recent inquiry with XXXX XXXX as to the state of the loan, she told me the bank had given up on the loan & it was not being sent to collections. i have since been denied access to that contact & referred to XXXX XXXX. they say they do n't want the property, yet there is still a lean against the title preventing me from selling the home.
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| 09/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This is the third complaint I have submitted regarding this issue. Associated Bank doesn't seem to understand the exact nature of my complaint so I will do my best to be as clear as possible. The bank is reporting a closed, paid-in full account as CURRENTLY 30-59 days late. The account was paid in full and closed in XXXX, which was six months ahead of its full term. Associated Bank seems to think I am disputing when the last payment was made but I am not. I'm not sure how I can be more clear. What I am requesting is that this account 's CURRENT PAYMENT STATUS please reflect that the account is not CURRENTLY past-due. The account is being reported this way to XXXX and XXXX. I spoke with representatives from both agencies who confirmed that the CURRENT STATUS for this account is being reported as 30-59 days late. I also request Associated Bank to respond with full details on this account, including the date of the last payment, current payment status, balance, term dates, date opened, date closed. By providing this information Associated Bank will be providing their own proof that this account is closed and not currently past due. It can not be paid in full and currently 30-59 days late at the same time. Attached is the canceled check of my last and final payment for this account.
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| 08/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XXXX XXXX before the end of business day I made a payment over the phone for the first time ever with this Associated Bank I spoke to the representative over the phone, and I was assured I was not going to be late it was on a recorded line. They did their investigation concluded that the representative was incorrect, but the decision remains in that time I did not know that they were going to apply the payment for XXXX because I had 2 days left until the end of the month. I have made similar payments in branch before without a problem and the representative assured me, I would be fine without the company line verbiage that they are trying to communicate telling me the customer that it was not a business day that's their only response That was given to me I was redirected to WE-CARE it was a department that handles the situation they had no compassion for the error they were condescending they belittled me and talked down to and basically told me that's it! after a 3 day investigation in the meantime my score dropped XXXX points and my life is in shambles I have lost of sleep I have never been 30 days late with the company in 4 years. I am ready to go to social media and alert people to not believe what this bank tells you over the phone nothing has been resolved as of yet.
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| 04/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Associated bank has not been managing my escrow account in professional manner. There has been issues with property taxes not being delivered as I asked, as well as issues with home insurance payments being distributed in a timely manner resulting in policy cancellations and lapse in coverage. They were informed of policy changes not only by myself but the insurance companies as well, as they are listed on each policy as the mortgage lender. I recently reached out to them again to fix yet another issue with the insurance policy. The insurance company did not receive a payment for insurance until XX/XX/XXXX, because I had to once again reach out to the bank after several attempts by myself and the insurance company. Due to the delivery of the insurance premium not being delivered they decided to cancel the policy and not reinstate it. I brought this to the attention of staff at Associated bank and they are now trying to force insurance on my mortgage as this policy being cancelled is due to their lack in making this payment. I do not feel I should have to pay a forced insurance fee due to them not delivering payment and policy being cancelled. I had coverage and they are the reason it was cancelled. They were informed of switch in XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX.
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| 07/03/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Fell behind on XXXX mortgage with Associated Bank. Was contacted to set up payments with the assurance that it would stop legal attempts for judgment against me. I was also told the debt had been charged off and I would only be paying toward the principle. XXXX months later never missed a payment I saw a judgment against me and attempts for wage garnishment. I called them and they said that was a mistake and should n't have happened. They stopped garnishment attempts and apologized but I still now had a judgment against me. I continued to get a statement showing the principle amount with no interest and my monthly payment. Almost XXXX years of consistently paying every month I called to get the payoff amount as I 'm ready to sell my home and take the equity out to pay the lone off. The principle load amount was $ XXXX almost XXXX years of monthly payments over {$4000.00} my pay off amount was over {$33000.00}. They said the statements do n't show the interest charges but the judgment against me allowed them to collect interest. Had I seen any interest charges on my statements I would have questioned that over XXXX years ago. I feel like they took advantage of someone faithfully trying to pay back debt and always intended to file a judgment and collect interest.
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| 05/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I've had a mortgage with Associated Bank since XX/XX/XXXX. The last two months, XX/XX/XXXX and XX/XX/XXXX, late fees have been applied to the loan despite paying the principal and interest portions before the grace period ending. I called Associated Bank on XX/XX/XXXX and XX/XX/XXXX in an attempt to find a solution to the same problem occurring again. They said I would be required to call every month to have someone manually reverse the late fee. I asked about calling less frequently and waive multiple fees at once.
The customer care representative said she was unsure if I could do that. I then went to my local branch and talked to the Assistant Manager, XX/XX/XXXX ( spelling? ) about the same issue in an attempt to find a solution. He told me they would no longer waive the late fee unless the full payment was made by the end of the grace period.
So, despite the practice of paying the principal and interest by the XXXX of each month for the past 12 years, I am now being told Associated Bank will do that. It appears to be retaliation for contacting them in efforts to resolve them incorrectly applying late fees.
I believe XX/XX/XXXX. XX/XX/XXXX intentionally intimidated me and was uncooperative in an attempt to punish me for complaining.
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| 01/20/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I placed an order online using my Asscociated Bank Master Card Debit Card for my checking account on XXXX XXXX 2021, Never received items and filed a dispute with the bank XX/XX/2021, Supplied copy of a letter from the XXXX XXXX XXXX in XXXX, Delaware showing that they found the company closed down, along with other complaints from people with the same problem, I also gave copies from XX/XX/XXXX of an email showing that they havent sent item yet, along with several pages of similar compalint from many people. Tried contacting the Company thru email since that as the only option on the website, and never received response, Associated Bank denied my dispute because they said the company shipped my items on XXXX, XXXX, 2021 with NO PROOF of shipping info, ( tracking number, shipping receipt ), Bank didnt bother to look at the 14 pages of Compelling information showing that the company was a scam, file a complaint and they refuse to revisit the complaint I filed with them, The bank has the worse customer service and the fraud investigation company does not have the customers best interest in mind, Would like the bank to investigate and look at the documents I gave them showing the items did not get shipped on date the scam company says it was
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| 08/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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on XX/XX/XXXX I opened a checking account with Associated Bank ( https : //www.associatedbank.com/ ). On XX/XX/XXXX I used its mobile app to deposit a check of {$4000.00}, addressed to me from my wife from her XXXX XXXX ( XXXX XXXX XXXX ). The XXXX XXXX records shows the check has been cashed by Associated bank on XX/XX/XXXX. Around XX/XX/XXXX I found out I can't access my checking account either via the mobile app or the bank website, therefore I called the custom service department, be told that my account is locked and under review, and should be released by XX/XX/XXXX. On XX/XX/XXXX, my account is still locked, I called the custom service department again, and being told that my account is locked by an employee named " XXXX '', and I was transferred to her voice mail. in the voice mail. I asked to her unlock my account so I can access my account. she did not reply my call. Today ( XX/XX/XXXX ), my account is still locked, and the custom service can't do anything except transferring me to XXXX 's voice. I left a voice mail to ask her to unlock my account or call back if she has any concerns about my account. As of now ( XXXX CT ), my account is sill locked and no one from Associate Bank has called me about my account being locked.
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| 06/10/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I was defrauded by a company and the bank failed to do a proper investigation protecting my consumer rights. The only thing I was provided was some log of from the company I am disputing. The bank didnt fulfill its duty to understand what had happened and that I was defrauded out of my money. I was scammed into signing up for a course which I understood to be asynchronous at the time of purchase {$2200.00}, which it ultimately was not. By the time I realized this wasnt the case I was told it was too late to get my money back from the company so I filed a dispute with my bank. I also filed a complaint with the AG in the state of California, FTC as well as the XXXX XXXX XXXX. I am now out {$2200.00} because the bank is stating theyre taking the temp credit back that they gave me and the company will not refund my money. I have nothing to show for {$2200.00}, nothing. The bank did also take longer than 45 days to investigate this and I was not notified until today of their decision. Please do the right thing and ensure my consumer rights are protected. I can send the emails i had with the merchant when I was asking for a refund and why. Please reach out to me so I can forward those on to the appropriate party.
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| 07/08/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I had a checking account at Associated Bank. I had arranged for loan payments to be made by ACH from my account. For a number of reasons, I closed my account at Associated and in the process I requested that the loan payments be cancelled since they are being made through my new account.
For the last SIX months I have been getting notices from the bank that has my car loan that my payments are not being processed because my account has been closed. Although I am making payments as agreed through my new account, the notices have become a nuisance to me and to the bank that has my car loan.
I have asked on numerous occasions to stop the payments from my account at Associated Bank and I have been assured on XXXX separate occasions by XXXX separate people that the automated payments have stopped. I have received another notice from my bank that has my car loan that yet another payment from the closed account has been attempted. This is extremely frustrating to me, and I have absolutely no confidence that Associated Bank will not report negative information about my account because of the returned payments.
I just want them to stop trying to process the payments against this closed account.
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| 06/09/2020 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem making or receiving payments
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Web |
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The issue started in XX/XX/2019 when I set up XXXX with Associated Bank. This is well documented on the banks side. Ive spoke to numerous representatives as well as supervisors. There was an issue with my phone receiving the onetime verification codes upon set up. Now they can not remove my phone number from their system, Ive been told its stuck. I cant seem to get anyone to escalate the problem or take me seriously. I had to find a work around myself. In order for me to properly ( I use this term loosely ) utilize THIER XXXX service I had to purchase a XXXX and an air time card totaling {$45.00}. I had to purchase the XXXX so I could remove my permanent cellphone number ( that was stuck ) by replacing it with the temporary XXXX number. Now I can not remove the temporary XXXX number and replace with my permanent number, I get an error. So the only options I have left are to purchase {$20.00} every 60 days for airtime on my XXXX to maintain the temporary phone number in their XXXX system so I can use their service or pay XXXX {$25.00} for me to change my phone number which in turn requires me to update it everywhere I do business. What a joke! Help, please!
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| 06/17/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Fees charged for closing account
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Web |
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I requested to have my checking account closed with Associated Bank, which refuses to close my checking account. I refuse to pay Associated Bank the absorbent {$7.00} fine continually to my account balance each day ; my balance remains negative due to financial hardship and Associated Bank ; unread Discretionary Overdraft Services. I understand I owe an overdraft fee of {$36.00} ; per overdraft or NSF ( unavailable funds ). Whether an overdraft will be paid is discretionary, the bank reserves the right not to bear. I was able to establish this account while in financial hardship in XX/XX/2021. I was not expecting an account I had just opened to be protected by over-draft. To be honest, a bank will typically not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. I made an initial one-time deposit into the account. The obligation I made to Associated Bank ; was to pay off my over-drafted paid items and the two charges of {$36.00} an overdraft fee. The {$7.00} continually being excessed daily onto a balance I agreed to pay. Why keep someone's account open in financial Jeopardy.
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| 09/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX, I had {$10000.00} transferred from my XXXX XXXX account to a new bank account I had set up earlier in the week with Associated Bank. After a week of the funds not being posted, I called Associated Bank. They said that XXXX stopped the transfer of those funds and that triggered a fraud investigation into my account so it was frozen. They said that the funds from XXXX were never received by Associated Bank and that I needed to speak to XXXX. XXXX says that the funds were definitely sent to Associated Bank and they have a tracking number to prove it. I called Associated Bank back and they said that the tracking number doesn't help them and that there is nothing they can do. I have spoken to multiple people at both banks and have called Associated Bank seven times in the past week to try to understand what happened to my money. At this point they are referring me to the same woman- XXXX in the fraud department - who just says there is nothing they can do. I have left a message at Associated Bank corporate headquarters and have not heard back. In my XXXX XXXX account, I can see the record of the funds being transferred to Associated Bank.
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| 12/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I have email alerts setup for any withdrawal/deposit on my checking account. I had 2 unauthorized charges for XXXX dollars each for a total of XXXX taken out of my checking account using my debit card information. Associated bank says they are authorized transactions even though I'm literally telling them they are not authorized. I went in the next day and got a new debit card with new numbers and filed out dispute paperwork. The vendor was XXXX which I don't use and had no bank cards/numbers on my XXXX XXXX account.
I don't know the seller/merchant at all. Associated bank fraud department said because my address matched it must be a legitimate transaction even though I'm telling them it isn't. They also supposedly shipped something to my address via XXXX which I never received and was signed for by my apartment office which does not take packages since we have a package room. Absolute bare bones investigation from them no effort made whatsoever other than to contact the thief that stole money from my account and pretend it's legitimate so I can't get my money back. Also lost my statement and never filed second claim correctly until I pushed them.
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| 12/07/2017 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem making or receiving payments
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Web |
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The issue relates to the complaint : XXXX I tried to log in into my online account today and the message I received that the account has been disabled for a security reasons. When I spent over 25 minutes getting the account unlocked including one time when the CSR 's informed me that the account has been unlocked. Unfortunately the explanation given was that it was " other security dept '' that overrode CSR decision therefore my online account access is still disabled. I have logged in numerous times before with the same ID and password and never had the issue such as this and it appears that account freezing is a retaliatory measure for filing a complaint with the CFPB.
Questions : Why my online access was flagged to be disabled even when I entered a proper ID and password?
Why the CSR has told me that the account was unlocked where in fact it was n't ( I did receive two email messages confirming account lock out?
What does it say for the culture at the bank that allows this type of retaliatory measure against a banking customer?
When is my account going to be available for online banking?
Thank you, XXXX XXXX
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| 04/08/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I got this loan in XXXX from Associated Bank, it was pose to be a 10 year loan, but its a 30 year, the banker and mortgage company who done the loan was on the news for fraud I looked in to my loan about XXXX ask to refinance, the banker told me I wouldnt be able to refin in about a year, but I always get the run around, over and over, come to find out the value isnt in the home, which I looked into more and the value was never in the home I got the loan with a XXXX credit score with the amount of XXXX my interest rate is at a 12.2500 % which is very unrealistic at this current day in time. and it seems like its nothing I can do they never gave me my original paperwork its been a tough situation dealing with them, and I have paid them for the loan already, at this point its like highway robbery. No one is being held accountable for me getting played by 2 of their workers and Im just feed up with them. It just a pure embarrassment how I let these men play and Prey on me, if I would have know better I would have done better. Can you please help me to get a resolution, Im tying to find me a lawyer to sue them.
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| 08/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I had a credit building loan account with Associated Bank that was closed in XX/XX/2018. Associated Bank and I are currently in dispute regarding the date of the last payment and how it is being reported on my credit reports. Associated Bank claims the account was paid over 30-days late. Regardless of if the account was past due at the time of last payment, Associated Bank refuses to list the account as current. My last payment to this account paid the balance owed in full and Associated Bank is reporting that the account is currently 30 days past due. The account can not be both paid in full and past due yet Associated Bank refuses to listen to me on this matter and they continue to issue blanket denial letters when I inquire about this. Even if the last payment was over 30 days late ( which is was not ) this account would no longer be in a derogatory status because, as I've said and I repeat, it has been paid in full and closed. Accurate data reporting is the cornerstone of the Fair Credit Reporting Act and Associated Bank shouldn't need disputes to know that.
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| 09/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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The time period in question was XX/XX/XXXX and XX/XX/XXXX. Covid pandemic in progress.
Mortgage payments due on the 1st of the month. My bank is stating that I missed 2 mortgage payments. This is reflected in my credit report.
XX/XX/XXXX - regular mortgage payment of {$1100.00} paid. No problem here.
XX/XX/XXXX - mortgage payment of {$1200.00} paid. I thought I paid more than needed. I did not realize my bank raised my mortgage payment to {$1200.00}. The bank labeled this as a missed payment.
XX/XX/XXXX - mortgage payment of {$1200.00} paid. I thought I was paying the correct payment on time. The bank labeled this as a missed payment because {$60.00} of it needed to be applied to the XX/XX/XXXX payment.
XX/XX/XXXX - mortgage payment of {$1500.00} paid. No problems here, more than enough paid to cover changes in mortgage, etc.
I do not feel that being labeled as having 2 missed mortgage payments fairly reflects my situation. If the bank had reached out to me to let me know there was a problem, I would have corrected it right away.
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| 10/25/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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on XX/XX/XXXX my checking account at associated bank had a positive balance of {$62.00} dollars, then on XX/XX/XXXX it has a positive balance of {$22.00}. I know this because I had been transferring money from my savings as the balance was getting low. FOR NO REASON, on XX/XX/XXXX associated bank charged me {$64.00} dollars of OD fees unauthorized as I have overdraft protection set up, first off, and the account balance was not negative, if it was, the overdraft would kick in for the {$110.00} charge that came through. when asked about it, they told me that {$700.00} was overdrawn when that is not even close to the truth. they are fraudulently taking fees from customers unsuspecting accounts to make money. Please see the image. They need to credit back the account and use the overdraft protection as it should be used correctly and not lie about it. I can see exactly when the account went negative and they did on XX/XX/XXXX when I had a positive balance of {$22.00}. They could have moved XXXX over. no, they lied and charged.
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| 07/06/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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For 3 months withdrawals were made by XXXX XXXX from my Associated Bank business and personal account without my knowledge or consent. I disputed the charges from my personal account after I was notified by Associated bank about one of the charges from the unauthorized cash ap account on my personal account. ( I also had a cash ap account that I authorized on my personal account. ) I received a refund for my personal account. Then I noticed the same fraud occurred in my business account over the same period of time. ( I did not have a cash ap or any other electronic transfer service attached to my business account ) My dispute of these fraudulent charges was denied and I was banned, without notification, from having debit cards, which has had adverse effects on my business and emotional well-being. I did not authorize these withdrawals and I was not notified of them by cash ap or Associated bank. Also I was not told how I could better protect myself or how my account was breached or how they arrived at their decisions.
|
| 02/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Hello, On Sunday XX/XX/23, I contacted my financial institution ( Associated Bank ) which whom I bank with, to report fraudulent activity on my debit card which occurred on Saturday XX/XX/23 in XXXX, MN. An unknown individual ( XXXX ) was in possession of my debit card and fraudulently withdrew {$2400.00} from my bank account and also used the debit card at a gas station to make a purchase of {$36.00}.
On XX/XX/23, I went to the Associated Bank branch on XXXX XXXX in XXXX, WI to file a dispute. The Banker informed me Associated Bank would initiate an investigation and try and get back to me with a decision whether my dispute was accepted or denied within 10 business days. I did not hear from Associated Bank so I called them on XX/XX/23 to inquire if a decision had been made. Associated Bank informed me that the dispute had been denied and they would not be crediting my account with no further explanation. Since this was clearly fraudulent activity, I 100 % feel that Associated Bank needs to credit my account.
|
| 12/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I had to have the roof of my house replaced because of storm damage. The insurance company is required in the state of XXXX to issue the check to both the home owner and the mortgage holder. In this case Associated Bank in XXXX XXXX XXXX and myself. I was told to endorse the check and send it to Associated Bank. They endorsed the check and mailed it completely endorsed back to me. I thought it was an unsafe practice to send a completely endorsed check through the mail, so when the work was completed and all inspections done, I sent Associated Bank the final check from the insurance company to endorse. They mailed the check back to me with a letter that stated they will not endorse the check unless I endorse it first. After a phone conservation with Associated Bank, their only explanation for not endorsing the check is policy. I think you will agree that sending a fully endorsed check through the mail is an unsafe and unneccessary act. I would like to lodge a complaint against Associated Bank for this practice.
|
| 07/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Associated Bank is reporting false late payments on a previous mortgage I had with the lm while I was married. I have always paid my portion of the mortgage on time never late.
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof of the alleged debt. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time or paid in full.It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide that proof, or if lacking proof of these payments being late. Please update my credit report and payment status from XXXX immediately. Thank you
|
| 09/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX, I opened a XXXX Associated Access Checking with Associated Bank. I Direct Deposited more than {$500.00} within 90 days of account opening and have held more than {$10000.00} for XXXX days after account opening. Having met those requirements, I expected a {$500.00} bonus by the end of XX/XX/XXXX.
I had messaged the bank through their internal customer message system and was notified that I had previously been a customer with their bank. While this was true, nothing in the signup language indicates that the promotion was closed to former account holders. The only language on the signup page was : " Offer not available for customers who already have or have had an Associated Bank checking account within the last six months. '' My previously held account was closed XX/XX/XXXX ; more than 6 months before opening a new account.
Given that terms were met on my end, but not on the bank 's end ; I am requesting {$500.00} immediately per the language in the terms when I signed up.
|
| 11/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Associated Bank charged the premium of {$530.00} for elapsed Home Insurance policy for two months. I explained to the Associate on the phone and his Supervisor that my Home Insurance policy with XXXX got cancelled without my knowledge and without any 30 days prior notice of cancellation from it as it is required.
In addition, Associated Bank got the most expensive policy it can find for elapsed time which has the 300 % the premium of {$3000.00} per year than what I got for {$1000.00} per year from XXXX. I consider that to be outrageous on the part of Associated Bank and totally unacceptable.
Even in the event, I am to pay for post dated policy for the elapsed period if it is in FINE print of the Mortgage documents as I was told, the 300 % higher premium than the Mortgage holder can get is totally excessive and border lines of " Robbery ''. Associated Bank knows or should know availability of lower premium policies but chose to buy the most expensive policy.One has just wonder " WHY ''.
|
| 03/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage.
It is now reflected on my credit score and Associated Bank has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement.
I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). During their investigation, Associated Bank confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute.
Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.
|
| 10/05/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
External Bank Transfer of funds from Associated Bank to XXXX. On XXXX XXXX, I scheduled to have {$530.00} transferred from Associated Bank to XXXX. The transfer was selected to go through on XXXX XXXX. I have transferred money a few times and never had issues receiving the funds on the day of transfer. I checked XXXX on the XXXX and saw no deposit. I checked Associated and the funds were pulled out of my account on XXXX XXXX. I waited until the XXXX and still saw nothing. I called XXXX and was told there was no funds being deposited into my account. I then called Associated who told me that the funds had been pulled, and were processing at the Federal Reserve and I wo n't be receiving them until XXXX XXXX or XXXX. I asked for the Federal Reserve number, and was told they do n't have one. I requested to cancel the transfer and was told I could not. I do n't know where my money is. This has never happened in the past, and I know the information Associated provided was a lie.
|
| 03/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XXXX XXXX XXXX phone number XXXX email XXXXXXXX XXXX ID : XXXX My name is XXXX XXXX XXXX I went to associated bank and open an account the above agent information was given to me because I'm a first time home buyer he denied my application because I'm XXXX and he lied I have no credit I had a credit card with XXXX, he later told me he couldn't pull up my credit score, I called another agent in the bank she pulled up my credit score I asked her if she could take up my application she later told me she have to talk to the agent I'm dealing with first and she comes back giving me another lie story so I knew that XXXX XXXX XXXX deliberately denied me the loan for me been XXXX and that is very wrong so I wanted this matter to be investigated why will he do that and how long he has being doing that to other XXXX people it's our right to have a mortgage when we meet all the requirements not for an agent to lied to us and denied us because of our race
|
| 11/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello. I had a change in homeowners insurance back in XXXX of XXXX. This has caused a 2 day lapse. My bank contacted me to let me know that I owe {$12.00} for this 2 day lapse. No problem, I simply added this amount to my normal payment. I didnt straight up say, this is the {$12.00} for escrow, no now they claim I didnt pay it. Due to this error, the bank has placed forced-insurance on my home which is doubling my payment. I cant afford this. I have gone around and around with my bank and they claim that I am past my timeframe and they refuse to release the forced insurance. Remind you I have had adequate homeowners insurance this entire time. My lapse was from XX/XX/XXXX - XX/XX/XXXX, they started the forced placed insurance XX/XX/XXXX. Ive been trying to work with them but they refuse. Now they are sending my foreclosure letters. I have been paying my mortgage minus the insurance. What can I do to get rid of this insurance and save my home?
|
| 05/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
Associated Bank is holding me liable for a checking account and debt that was discharged in bankruptcy court under Chapter XXXX in the United States District Court District Of Minnesota Bankruptcy Court. I had a checking account with Associated Bank and the checking account was closed with an incorrect balance. Associated Bank alleged I deposited fraudulent checks into my checking account and thats why the account was closed and have a balance. I never deposit any checks in my Associated Bank Checking Account. My Associated Bank checking account and debit card was compromised and used fraudulently by someone else. My Associated Bank checking account debt though was discharged in bankruptcy court and I dont owe any money or debt to Associated Bank.. Full Name : XXXX XXXX XXXX XXXX DOB : XX/XX/1974, SSN : XXXX. The Office of the Comptroller of the Currency is investigated Associated Bank and my complaint against Associated Bank as well.
|
| 09/18/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
My primary bank, Associated Banc-Corp, has elected to sell several of its XXXX, IL area branches to XXXX XXXX. As a result, they informed me by mail that they would also be transferring my deposit accounts by XX/XX/2020 to XXXX XXXX. I do not wish for my deposit accounts to be transferred to XXXX banks. They do not offer the same quality of services that I have through XXXX XXXX. I have a Mortgage, Direct Deposit, several deposit accounts, and many E-billings setup through XXXX XXXX and it will cause me a great deal of burden to manage the transition to a new bank. Since the Mortgage will still remain with XXXX XXXX, this also causes undue burden in managing that payment.
I have contacted XXXX XXXX to inform them that I do not wish to have my account sold to the XXXX XXXX. They in turn refused to honor my request and informed me that I must create completely new deposit accounts at another branch in order remain with them.
|
| 08/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
On XX/XX/2020 I went to Associated Bank located at : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, MN XXXX, to open up a checking account. I met with XXXX XXXX, Certified Relationship Banker 2. I was informed by Mrs. XXXX she couldnt open up a checking account for me because I had adverse information on my XXXX XXXX Consumer Report. I contacted XXXX XXXX on XX/XX/2020 right after I left the bank and inquired about the adverse information on my XXXX XXXX Consumer Report. XXXX XXXX informed me there was no adverse or negative information on my consumer report. I am XXXX-American ( XXXX ) and i was discriminated against by Associated Bank based on my race. Associated Bank had no reason to deny opening up a checking account for me. Mrs. XXXX lied to me and discriminated against me because I was XXXX. That was racist and wrong of her to do. Associated Bank is engaging in discriminatory practices based on an individuals race.
|
| 04/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
The mortgage is with associated bank.
A payoff was ordered from a company I was refinancing through.
Associated bank cancelled my automatic payment withdrawal and didn't inform me they cancelled the payment.
I know have a 30 day late on my credit.
As soon as I found out they didn't take the payment automatically, I went into the bank and made the payment.
However, it was the XXXX of the next month.
XXXX 's payment was marked as late on my credit, because associated bank didn't take out the automatic payment withdrawal and didn't tell me, or mail me anything.
I went into the bank and requested they provide a letter that they made an error and they refused.
I've never had a late payment on my mortgage in the past. My refinance fell through because of the late payment as well.
I would like the late removed from my credit, or the letter explaining that associated bank cancelled the payment in error.
Thank you
|
| 10/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I made a purchase on XXXX for portable air conditioner. I provided my debit card number to the merchant for the purchase. I did not have to provide my PIN number using the card for the purchase. Within a couple days I realized that it was a fraudulent website and disputed the transaction with Associated Bank. I also got a replacement card in the event the merchant tried charging my card again. I received a letter from Associated bank indicating that since I authorized the charge by providing my information there was nothing that could be done even though I explained that I found numerous other shell sites with the same basic format. Accociated bank provided me with the business contact information for the charge but had never investigated the transaction details to realize the phone number was a fake number. I have never received my product or a credit from my bank since XXXX.
|
| 02/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I closed my checking account on XX/XX/XXXX. All on bank video cameras I have receipts for XXXX out my account for closure.
Associated never closed the account and continued to do business on my account until XX/XX/XXXX without my knowledge. Anything that that would accidently be submitted to that account should have been kicked back and said " account closed ''.
I have video of XXXX and Bank manager ( who did n't want to be recorded ) recorded. XXXX said " she closed my account properly. So, I get a phone call from some lady who was never involved. Who told me, Associated cant get my money back, but she will close the account immediately. Why did n't they close my account immediately on XX/XX/XXXX All I was able to recover was {$80.00} of my accidental direct deposit of {$540.00} ( which should have been kicked back account closed ) XXXX = {$460.00} I should be returned.
|
| 02/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I opened an Associated Bank checking account on XXXX XX/XX/XXXX. I made an initial deposit of {$300.00} through a credit card funding and then transferred {$2000.00} to this account from my XXXX XXXX checking account using ACH. A few days after this my Associated Bank account was locked and my online access blocked. I talked to a representative who said I will receive a call/communication regarding the block from a bank representative. I never received a call or any explanation and then received a letter in mail on XX/XX/XXXX saying that my account has been canceled due to fraudulent activity. I have not yet received my {$2300.00} in deposits that was made in XX/XX/XXXX. I would like to get my funds back immediately with the owed interest. For anyone else who is reading this review, run far far away from doing any business with this bank. They don't deserve it.
|
| 06/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
my bank has barred me from my online account, they had a web redesign and after that we were to reset our passwords, and receive a call or text with a 4 digit number to confirm our identity, well they never sent the number after numerous months of trying i called to complain and seek entry by administrative process, well guess what they don't do that it's an automated system and i have no redress! they call me on my XXXX using an XXXX number and ask me personally if i can receive XXXX numbers on XXXX! i have used XXXX exclusively for the last 9 years and have always had access to this banking information, phone banking and the online web banking, now they act like they can't help me in any way, when they call me for information they are cross and rude claiming it's all my fault, they wont let me have a 4 digit number to get in nor can they let me in
|
| 10/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Hello, my name is XXXX XXXX XXXX. I think I am a victim of a scam. A XXXX XXXX sent me a check through email and I thought it was real but I dont think it is. My whole bank account is froze and I cant access any of my real money because of this scammer. I want it off my account and I want my account unfrozen ASAP. I called my bank and they said theres nothing they could do about it but I need my account open now so I can catch my XXXX and get to work. I am only XXXX years old, I dont know what the XXXX Im doing. And I cant tell my mother because she will XXXX me and I dont mean that in a sarcastic funny way she is very XXXX. Im asking someone to please help me, I will send you all the information I have about the scammer but I am begging you to please open my bank account. I bank with associated bank in XXXX IL on XXXX XXXX.
|
| 08/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have a checking account with Associated Bank that received fraudulent charges last year that cleared my account overnight.
I filed disputes and followed all instructions. They have only returned 2 transaction barely totaling {$50.00}. $ XXXX was taken. I contacted the companies, they see they charges were made under different account from all over the country and I am not the holder of any of those accounts so they can not reverse the charge. They said the bank has to contact them. XXXX has evidence of the person who committed the fraud but can only release the information to my bank. My bank has never contacted XXXX. XXXX hub states they still have not heard from Associated bank.
Today I wanted to complain and they froze my account to review!! I have no access to my money for asking for an update on money I'm owed!!
|
| 12/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
on XX/XX/XXXX I started a transfer from another bank acct because I saw I was going to go negative. All of my transfers take roughly 24-48 hours. This one stated the same after hitting compete. A day or so later I received an email that transfers are delayed up to 5 days due to the holiday. This was odd since the holiday was still 4 days away. I reached out to the bank right away and they basically said oh well. I then started another transfer to try and prevent any issues from the other bank to Associated. So now I had {$800.00} coming in. I let Associated know. The next day I received 4 OD fees, still no deposit. Then the following day I received the one from the outside bank. 6 days later I finally heard back from Associated. They said they will only reverse one. This is clearly a bank error
|
| 02/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I opened an Associated Bank checking account on XXXX XXXX XXXX. I made an initial deposit of {$25.00} through a transfer from my XXXX XXXX XXXX account. A few days after this my AssociateXXXX Bank account was locked and my online access blocked. I talked to a representative who said I will receive a call/communication regarding the block from a bank representative. I never received a call or any explanation and then received a letter in mail on XX/XX/XXXX saying that my account has been canceled due to fraudulent activity. I have not yet received my {$25.00} in deposits that was made in XX/XX/XXXX. I would like to get my funds back immediately with the owed interest. For anyone else who is reading this review, run far far away from doing any business with this bank. They don't deserve it.
|
| 03/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I am currently visiting family in Florida. Received a check for {$10000.00} which I had to deposit in my account using an ATM of another bank. My bank does not have any branches in Florida. Deposited check on Saturday XX/XX/XXXX. I was later told by customer care representative that I would have access to {$100.00} right away and {$5000.00} on Tuesday XX/XX/XXXX and the rest of the money at the end of the week. I could not access the {$100.00} and the {$5000.00} is not available to me either. I was told they are reviewing the deposit and the {$5000.00} may be available tomorrow XX/XX/XXXX. They are supposed to call and let me know. Have not heard from anyone as of XXXX PM. The check is from XXXX XXXX XXXX XXXX XXXX. I feel that my money is being held hostage by this bank.
|
| 11/07/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
In 2014, I signed out a stipulated agreement with attorneys for Associated Bank. It was agreed that I pay XXXX per a month. I have done so since 2014. All of a sudden, this summer I started receiving bills that I am past due, that I am not paying my payments.
I don't understand why I am receiving these bills. I have paid every payment since 2014 of XXXX. They have never sent me any statement showing what my current balance is, and now I am very alarmed why they are sending me these past due notices.
I also filled out an additional package to them for a settlement. They don't want to give me a loan modification. They don't give me an answer for my settlement and finally, I have a stipulated agreement from their attorneys from 2014!!!!
|
| 05/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
XX/XX/XXXX charged a continuous fee of {$7.00} and a NSF Fee of {$36.00} XX/XX/XXXX charged a continuous fee of {$7.00} and a NSF Fee of {$36.00} My name is XXXX XXXX, Address is XXXX XXXX XXXX, XXXX, MN XXXX This is a new account, I was out of town due to a death in my family and did not realize my company had entered the last 2 numbers of my account wrong, therefore my DD 's did not hit and caused a overdraft.
XXXX Sent an email to XXXX XXXX at the branch on XXXX XXXX and she said they would not waive the fees even though she was aware of the error.
In a pandemic era, {$86.00} in bank fees is not reasonable. I will ensure I never have another one. Times and money are extremely tight and to me this is unethical and a money grab.
|
| 04/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I had an appraisal done on my home as I want to get out of paying my monthly PMI on my mortgage. I know recent comps in my neighborhood have sold well above $ 400K so I feel it was a good time to have this appraisal done because I feel I have the required 20 % equity to remove monthly PMI. I found out on XX/XX/XXXX that my home ( which has more sq. footage, just as many bedrooms & bathrooms, and sits on more land ) came back $ XXXX less than a house that just sold a couple months ago that is in the same Cul de Sac.
I feel the bank ( XXXX XXXX ), insurance company and appraisal company ( XXXX XXXX XXXX XXXX ) are working together to devalue my house to ensure that I have to continue to pay monthly PMI.
|
| 09/12/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
This is a complaint on a Associated bank Employee XXXX in Corporate security He closed my checking Account with out any notice I was completely embaresed When I tried to use my debit card to get my medicine and it denied my card multiple Times I went out side and contacted the bank they informed me that my account has Been closed and forward me to XXXX he told me my account was closed due to misuse And I am not aloud to Bank with Associated Bank any more and this is not a charity I am concerned about my social security money that is deposited on the XXXX I am in the process of Trying it change it with socal security but I am not sure that they can do it so soon he refused to try to work with my or reopen my account.
|
| 04/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/12 I went to associated bank to deposit {$620.00} on my XXXX card and the atm ate my money and gave me a receipt that said transaction can not be processed. I have been In talks with both banks and the {$620.00} was recovered but in order to get it back my bank has to file a dispute. XXXX said they can not file a dispute because theres no record of the amount being deposited. XXXX and Associated Bank spoke with each other and chime told the Associated Bank Manager that they cant file a dispute. Now associated bank refuses to give me my money without a dispute even though XXXX ( bank manager ) said she will handle it with her atm department. I even have video evidence of the atm eating the money!
|
| 10/25/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
Older American |
|
I used my DEBIT card on line as a CREDIT to my account. I purchased what was supposed to be ongoing services with the site but the site has locked me out of my account. I disputed many of the charges I made, some outside of normal time limits but many within the time limits. The response from my bank was simply that because I authorized it they could not do anything for me. They would NOT DO ANY of the disputes. I had tried several time to reason with them but they told me they could not afford to lose the money. I thought that since I did not use a pin number it was handled just like a credit card and had some protection. Now they do not even respond to me. They have been provided with my documentation
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I bought a car using Associated Bank for Financing in XX/XX/2021, I made a payment in XXXX, unfortunately the car was in an accident in XXXX, I Called Associated Bank immediately, I asked if I needed to make XXXX payment, they said no as long as the insurance company pays them off in 10 days, I called Associated and got an email from XXXX that the loan was paid, in early XXXX I got a letter stating there was a gap in what the insurance paid and what was owed, I made a payment that day, made a payment in XXXX, and paid off the Account in XX/XX/XXXX, I received a 30 day delinquent notice to all 3 credit bureaus -this was reported falsely!!! I need this removed from my credit ASAP, Thank you
|
| 08/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I tried to open a joint account at this bank with my current spouse, I have been divorced from previous one since XXXX XXXX, 2015. The bank approved HER, but denied me because of something from XXXX that I never applied for. And that report has my maiden name on there. Unacceptable!!! They would n't put me on the account either, so we decided NOT to return. To me, that 's being treated unfairly. However, I did contact the bank that put the negative information on my XXXX, and they kept lying to me about removing it, and they never did!!!!!! They also lied about sending documentation that I had to sign as well, never got it!!!!!!! I DO NOT appreciate being lied to at all!!!!
|
| 11/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American, Servicemember |
|
I set up an account with Associated Bank in XXXX WI. After I decided that the XXXX was where I intended to retire. This was in XXXX. I chose them because of their international banking abilities. They first stopped my Banking ability because I didn't have a US address. I gave them a US address in XXXX, California XXXX. The account was reactivated and was good for a few weeks. On XXXX XXXX they stopped my account and told me that they were sending the balance to my address in the Philippines XXXX This account ( my Social Security Check is what I live on. I have no other means of support. I must have this direct deposit from Social Security.
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| 04/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2022 an authorized cash app account was made and rerouted through my cell number and debit card. An unauthorized purchase was made and the account then closed. I contacted Associated Bank about this and the dispute was denied. I have never used XXXX before, the IP address they provided and claimed that I used the application on is not the IP address of my home where I was on that day, and the person that it was supposedly sent to name and number do not match as they provided two separate telephone numbers. Associated Bank claims that XXXX has provided them with the above evidence, though none of it matches my information.
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| 01/16/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
Older American, Servicemember |
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Case # XXXX-XXXX was closed but not solved.
In Associated Banks response they admitted that their employee did not stop/opt out of their overdraft protection service as I requested back in XXXX to which resulted in my account to be allowed to go negative twice for {$2000.00} each to which I had to borrow the money to cover it.
They did refund the overdraft fees but should be partially responsible for the money allowed to go negative.
Thanks for your cooperation.
P.S.
I do not want calls from them since I received harassing calls on the first complaint from them.
All correspondence will go through this site.
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| 09/15/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I tried to book a vacation property online and it ended up being a scam. We never were able to check in or get a hold of the " property owner '' again. I used XXXX through associated bank to wire money to this property owner on XX/XX/2020 for {$1700.00}. After i found it they were scamming me, I immediately called the police ( filed a report in XXXX County under incident number XXXX ). This person has scammed at least 2 other people that I know of and they have opened police reports in XXXX county. I also submitted a case through associated bank and they denied the case. That is under case number XXXX
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| 06/24/2019 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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Company responded stating that the prepayment fee structure they imposed on me " is standard for a 5 year business loan ''.
This statement is not true as I have the paperwork from when we took the first note with Associated bank. Initially we were promised a 5 year note on the first note back in XXXX. On that note it says that the pre-payment penalty is equal to 2 % of the outstanding principal amount. As a consumer we do not know their " practices ''. If I did not have the paper from XXXX I wold have not known that they are misleading me now on their response from XX/XX/XXXX XXXX
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| 02/29/2016 |
Yes |
- Bank account or service
- Savings account
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Web |
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I was charged a service fee of XXXX dollars for 4 months before I caught it. Associated bank of Wisconsin raised the minimum checking balance from XXXX to XXXX dollars XX/XX/XXXX. I called Associated Bank and complained. They told me that I received numerous notifications especially to my on line banking mail. I have checked My history and there are no notifications. The total amount of fees collected were XXXX dollars. XXXX dollars for each month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. Associated did credit back XXXX dollars but would not give the full amount back to me.
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| 07/14/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I noticed money was taken out of my bank account for associated Bank in XXXX Wisconsin. I reported it they did not stop my card within XXXX XXXX business days I went to see why I have not received my new card they told me I had not stopped it I checked my account again and more money was taken out. They investigated it and told me that I was the one that took it out and I didn't take it out I know the culprits I reported to the police the police have done nothing matter of fact I told him XXXX separate times of what happened and I have not got my money 's returned.
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| 01/04/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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On XX/XX/XXXX, Associated Bank put my account under review. I understand that this happens but I have still not been provided with a reason and the Account Manager, XXXX XXXX, has refused to answer any of my calls. It is XX/XX/XXXX and I don't understand why I'm unable to access my account without any information. This is extremely poor customer service. Further, I opened my account on XX/XX/XXXX and I haven't even received a debit card yet. When this matter with my account is resolved, I will be closing my Associated Bank account.
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| 01/17/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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XX/XX/2023 - {$39.00} - XXXX XXXX XXXXXXXX XX/XX/2023 - {$14.00} XXXX XXXX XXXX XX/XX/2023 - {$89.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 - {$89.00} XXXXXXXX XXXX XXXX All charged between XXXX & XXXX XXXX This is all charged to an Associated Bank Debit Card while my wife was on lunch and the only place she stopped was XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, WI, by her work and went no where else! We believe someone at the coffee shop stole true numbers from her card and is committing fraud against her!
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| 04/05/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/21 I reported fraudulent charges on my account and shut down my card. I reported the charges within 24hrs of noticing. I was given provisional credit and they investigated the claim. They said the charges were not fraudulent even though they were. I am covered my XXXX XXXX liability policy. I did everything I was supposed to do to report the fraud. They reversed my provisional credit and said I was liable. This is in breach of XXXX XXXX liability policy and I will not be held liable for purchases I didnt make.
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| 07/07/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I owed back payments on a loan through them due to having to change jobs. I finally am making enough to repay the loan and they removed my ability to pay online. They also removed my ability to see what I owe them or what they charge me. They insist I call them for all of these details. I asked for an electronic statement due to my lack of a home and my constant traveling for work and they refuse to provide one. I just have to take the word of someone over the phone.
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| 09/15/2021 |
Yes |
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- Trouble during payment process
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Web |
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i went in to make a mortgage payment using my debit card @ associated bank they turned it into a cash advance for some reason. this caused 2 declines on my debit because of the daily limit. everyone else uses it like a charge card except these guys. they only take certain kinds of payments, making it up as they go. i am sick of the XXXX from this bank. can you please switch me to a new loan service? these guys are always playing games, because they can.
thank you
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| 06/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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My debit card was stolen and I reported it to the police department by that time the thief had cleaned out my account. I reported it to the bank and they decided that it was not stolen, I provided the police report number, I provided the information that was requested by the police. The bank never refunded any of the money back to me not even a temporary credit. I was left with no money. The bank said if they got your pin number then it was authorized.
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| 10/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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Attached to this complaint is a copy of the check that was sent to Associated Bank. I currently have a close checking account with Associated Bank but I have a past due balance on the closed account. XXXX XXXX sent a check to Associated Bank to cover the past due balance I owe Associated Bank. I want Associated Bank to credit my closed checking account showing the past due balance is paid in full. Full Name : XXXX XXXX XXXX, DOB XX/XX/XXXX XXXX : XXXX
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| 04/05/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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12 CFR 1005.17 a financial institution holding a consumer 's account shall not assess a fee or charge on a consumer 's account for paying an ATM or one-time debit card transaction pursuant to the institution 's overdraft service Ever since opening my account in XXXX Associated Bank has XXXX XXXX $ in fees in regards to ATM and Overdraft Fees. They have charged OD fees from ATM transactions and one time debit transactions as well.
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| 10/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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They responded to my previous CFPB complaint with a letter addressed to someone else about a completely unrelated complaint. They have not responded to my complaint and now ( because they submitted this unrelated letter in response to my CFPB complaint ) my previous complaint is now closed. This relates to XXXX that was missing in a botched electronic transfer on XX/XX/XXXX.
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| 12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I went into a company to purchase a car with a check in my hand from my credit union I dont know why the other company are on my report. I made Several attempt to have them removed off my credit report they told me I had to write a letter and then write to the credit bureau to have it remove why I have to write to credit bureaus when they did this without my permission.
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| 06/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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i made a payment of XXXX XXXX an never received the money by law its 48 hrs associated bank is the company making my credit tough to bring up on my end causes mental stress worries ive been doing mediation that helps with the stress i want to do better what i can do in life i dont make alot money as it is an would love to sue for money if i could im in school
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| 08/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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Every time I send in extra money towards my car loan principal the bank ( Associated ) instead adds the extra payment to the loan into the future not the principal despite me insisting the extra payment goes towards principal only. I am up to date and on time with my regular monthly payments which includes the interest otherwise Can you help?
XXXX XXXX
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| 09/28/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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MY CHECKING AND SAVING ACCOUNT WAS TOOKOVER FRAUDULENTLY AND THE ACCOUNT WAS FROZEN. THEY DIDNT TELL ME THEY WERE CLOSING THE ACCOUNT AND THE ACCOUNT RACKED UP MORE THAN XXXX DOLLARS ON INACTIVITY FEES. I REPEATELY TRIED TO DEPOSIT MONEY WHILE IT WAS FROZEN HOWEVER THEY DID NOT LET ME. NOW ITS REPORTING TO XXXX WHICH I BELIEVE SHOULD BE REMOVED
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| 02/06/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I feel that My wife and I were discriminated against during our application process for a mortgage. Additionally, the reasons stated for our application refusal were inaccurate and fraudulent. Our emails and phone calls went unanswered during the application process - we were basically treated disrespectfully throughout the entire process.
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| 07/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Associated Bank in MN is apply a lender credit based upon the rate chosen and calling it a " grant '' so that the funds can be applied towards the down payment required of the borrower. XXXX recently issued a statement that this will no longer be allowed. The lender credit for rate selected should not be considered a " grant. ''
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| 06/28/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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They update my account balance to maximize fees in their favor. I always check my balance before purchasing anything. They charged me {$35.00} on .XXXX after i put {$4.00} in my account to cover the .XXXX. They dont process things for days even though it shows the money is spent just so they can try and get people to overdraft
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| 07/11/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American |
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Associated Bank locked me out of my account. I declined the XXXX page online user agreement that is a " cash back '' scheme that gives permission for all merchants to call me and solicit me on my private phone. I do not want to participate in their program. They refuse to let me have access to my account this weekend.
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| 10/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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XXXX XXXX Withdrawal ASSOCIATED BANK XXXX XXXX XXXX XXXXXXXX - {$340.00} XX/XX/2023 XXXX Withdrawal ASSOCIATED BANK XXXX XXXX XXXXXXXX XXXX - {$340.00} Only showing 1 payment posted, told me the other one was reversed or their system cant process 2 payments. XXXX stating they sent both payments.
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| 04/27/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX/2019, I got scammed {$1200.00} from the person called XXXX XXXX in my Associated Bank account.
After reporting and disputing with associated bank for this scam and fraudulent activity, they refused to either reverse the transaction or refund the money back to my banking account.
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| 07/18/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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My account was frozen by Associated bank because I was trying to send a payment on XX/XX/2023. I called their fraud department customer service on the same day to verify all the details. But that rep just closed my account without my consent after I VERIFIED everything with her.
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| 11/20/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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On XXXX I closed all my accounts with Associted Bank a total of 3 accounts. They are trying to reopen our accounts because there were some debts that were taken out of the account XXXX. That were not authorized. These accounts are Closed no more transactions should be happening.
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| 01/04/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Opened account online XX/XX/2022 with {$25.00}.
Don't have access to funds nor know the status of the account. I am not able to withdraw the {$25.00} in person, nor via debit card, nor able to login to online bank account.
I'm also not allowed to close the account.
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| 03/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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They have issued fees to my checking account in regards to atm transactions and debit card transactions which is against the Overdraft Protection Act of XXXX. I have reached out to them to have them reverse the fees and they have denied.
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| 04/25/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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I made a payment to pay off our second mortgage company said no payment was made. I have a receipt for payment from them.
they took me to court when i produced the statement they dropped the case but did not release the mortage.
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| 09/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
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a dispute from you on XX/XX/2023 totaling {$10000.00} XXXX said within 10 days I would received a credit. The error is the banks fault. The bank attached XXXX debit cards to my account with an unauthorized user.
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| 05/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Associated Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
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| 11/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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|
Web |
Servicemember |
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I want Associated Bank to close my checking account immediately, and send me a letter with payment plan options to pay the {$1900.00} back I owe Associated Bank for my overdrawn checking account.
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| 02/11/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
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|
Web |
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my name is XXXX XXXX, I previously started this complaint earlier today with XXXX XXXX Employee XXXX ), but he hung up on me before the complaint process could be completed.
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| 06/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
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Signed up for account with {$200.00} sign up bonus. Completed all the requirements but bonus was not deposited in account.
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| 04/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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Signed up using a {$170.00} bonus promotion code and was only credited {$50.00}.
|
| 04/16/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
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Associated Bank 's excessive practice of freezing customers ' checking account.
|
| 05/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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Has charged me XXXX in legal fees on my mortgage.
|
| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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My information was used without my permission
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| 02/06/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 02/03/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Referral |
|
|
|
| 01/18/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Referral |
|
|
|
| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
Servicemember |
|
|
| 01/07/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 12/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Company closed your account
|
|
Phone |
Older American, Servicemember |
|
|
| 11/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 11/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
|
| 11/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
|
| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
|
| 09/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 06/05/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
|
|
| 05/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 05/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 05/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
|
| 05/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
Older American |
|
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Referral |
|
|
|
| 03/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Phone |
Older American, Servicemember |
|
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Postal mail |
Older American, Servicemember |
|
|
| 03/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 02/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/13/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American, Servicemember |
|
|
| 02/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 02/04/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 12/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 12/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 12/03/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 11/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 09/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 09/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 09/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 07/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
|
| 07/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 07/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 06/09/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 05/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Servicemember |
|
|
| 04/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 03/19/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 02/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Referral |
|
|
|
| 02/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 11/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
Older American, Servicemember |
|
|
| 11/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 11/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 09/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 08/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 06/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American, Servicemember |
|
|
| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 05/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 05/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 04/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 04/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 03/15/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 03/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 02/03/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 02/03/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
|
| 01/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 01/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American, Servicemember |
|
|
| 12/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 11/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 11/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 10/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/14/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 08/30/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 08/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 08/07/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 07/31/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 07/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/10/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Phone |
|
|
|
| 07/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/22/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Phone |
|
|
|
| 06/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/28/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 03/05/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 02/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/28/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Fax |
|
|
|
| 01/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 12/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 12/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
Servicemember |
|
|
| 11/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 10/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 09/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 08/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 08/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 07/16/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 07/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 06/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 05/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 05/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
|
| 04/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 04/10/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 04/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/03/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/18/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 02/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Phone |
Older American |
|
|
| 02/11/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/22/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 12/19/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/19/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 12/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 12/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 11/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 11/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 10/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 10/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 09/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 09/07/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 08/10/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
|
| 07/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Referral |
|
|
|
| 07/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Postal mail |
|
|
|
| 06/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 05/25/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 05/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 04/23/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Postal mail |
|
|
|
| 04/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 02/26/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 02/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 02/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/16/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 01/05/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Postal mail |
|
|
|
| 01/05/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 12/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 11/14/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Fax |
|
|
|
| 11/09/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 10/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 10/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 09/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
|
| 09/25/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/18/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/05/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 08/08/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 08/07/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Referral |
|
|
|
| 07/21/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
|
|
|
| 07/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Postal mail |
|
|
|
| 07/18/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/07/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Other transaction problem
|
|
Web |
|
|
|
| 06/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 06/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
|
|
|
| 06/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/14/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 06/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/09/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/20/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/11/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 03/22/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Postal mail |
|
|
|
| 03/09/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
Older American |
|
|
| 03/07/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/02/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 02/18/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 02/10/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 02/02/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 02/02/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/02/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/30/2017 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Web |
Older American |
|
|
| 01/23/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 11/15/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 11/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 11/09/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 11/03/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 10/18/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 09/13/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/26/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Fax |
|
|
|
| 07/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 07/06/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 06/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 06/29/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
|
| 06/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 06/15/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/13/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 05/18/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/17/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 05/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 04/08/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 03/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/10/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/07/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Phone |
Older American |
|
|
| 02/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/09/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 01/22/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 01/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 01/14/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 01/14/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 01/05/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/05/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 12/29/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 12/28/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/18/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
|
| 12/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/07/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/24/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 11/10/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/13/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/29/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/21/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 09/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 08/28/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 08/27/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 08/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
|
| 08/14/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/11/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
Older American |
|
|
| 06/29/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
Older American, Servicemember |
|
|
| 06/10/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/04/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 05/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/12/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 05/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 05/06/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/27/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 04/06/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/26/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/26/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
Servicemember |
|
|
| 01/26/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 01/10/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 12/22/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 12/13/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 12/05/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/11/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/23/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 10/07/2014 |
Yes |
- Bank account or service
- Savings account
|
|
|
Phone |
Servicemember |
|
|
| 09/19/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Postal mail |
Servicemember |
|
|
| 09/11/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Phone |
|
|
|
| 09/05/2014 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/28/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/28/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/26/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 08/13/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 08/09/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 08/04/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Older American |
|
|
| 07/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 07/15/2014 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/11/2014 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
Older American |
|
|
| 06/30/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 06/24/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 06/04/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 05/21/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 05/05/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 05/01/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/22/2014 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Phone |
Older American, Servicemember |
|
|
| 04/10/2014 |
Yes |
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/05/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/01/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/24/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/21/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Postal mail |
|
|
|
| 03/18/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 03/13/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 03/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 03/05/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/03/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/28/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/26/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American, Servicemember |
|
|
| 02/22/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/06/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 02/05/2014 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Referral |
|
|
|
| 01/24/2014 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 01/11/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 12/03/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 11/22/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 11/21/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/20/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/15/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/30/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 10/29/2013 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 10/21/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 10/15/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 10/09/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/08/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 09/27/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/25/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/19/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/17/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 09/07/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/20/2013 |
Yes |
|
|
|
Postal mail |
|
|
|
| 08/17/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 08/12/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
Older American, Servicemember |
|
|
| 08/09/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/06/2013 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 07/22/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 07/19/2013 |
Yes |
- Money transfers
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
|
| 07/11/2013 |
Yes |
|
- Credit decision / Underwriting
|
|
Postal mail |
|
|
|
| 07/02/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 06/28/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 06/19/2013 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 06/14/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 06/07/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/04/2013 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/30/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 04/26/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 04/19/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Web |
|
|
|
| 04/01/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Email |
|
|
|
| 03/19/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/11/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/27/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/15/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 02/12/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 01/28/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 01/17/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/30/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/21/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/30/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 11/27/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 11/20/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 10/18/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 10/09/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 10/04/2012 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 09/26/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/29/2012 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Problems when you are unable to pay
|
|
Referral |
|
|
|
| 08/24/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 08/23/2012 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 08/17/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 08/16/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/15/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/11/2012 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 08/08/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/06/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
Older American |
|
|
| 08/03/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 07/06/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 06/13/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 06/05/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/04/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/01/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/01/2012 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 05/30/2012 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 05/24/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 05/21/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/21/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/14/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 05/04/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 05/03/2012 |
Yes |
|
|
|
Referral |
|
|
|
| 04/27/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
Servicemember |
|
|
| 04/26/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/21/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 04/16/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American, Servicemember |
|
|
| 04/13/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 03/30/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/15/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/17/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|