BANCORPSOUTH BANK CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
08/14/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 750XX
Web
This is a follow up complaint to my original complaint against Bancorp South Bank. Please reference closed case XXXX. In summary, my original complaint against Bancorp South Bank is my Loan Officer XXXX XXXX was negligent in the handling of the origination of my loan beginning XX/XX/XXXX specifically by not understanding his companies internal guidelines with respect to the short sale I had in the summer of XXXX. As a result, by loan was denied in Underwriting 3 days before closing resulting in significant financial harm to myself and my family. In summary, Bancorp South Bank 's response to my complaint was XXXX XXXX was up front with me from the very beginning starting with our first phone conversation back in XX/XX/XXXX that my short sell was problematic and could result in the denial of my loan application at the underwriting stage. In addition, me being an 8+ year veteran in the XXXX industry ( I work in XXXX XXXX, not XXXX XXXX ) should have knows that the short sale was problematic and I have should have prepared for such an outcome. My response : Bancorp 's response to my CFPB complaint XXXX is completely false and I can prove it based on written communications from XXXX XXXX and Bancorp South Bank and by XXXX XXXX 's actions throughout the loan origination process. I would like for Bancorp South Bank to respond to these specific points below : 1. I am establishing right here that XXXX XXXX and I did discuss my short sale and the mitigating circumstances around it ( I relocated from XXXX to XXXX for work and as a result had to short sale my XXXX residence ) on our first phone conversation back on XX/XX/XXXX. Bancorp South Bank admits the same according to their first written response to me dated XX/XX/XXXX. Please see attached document titled " Bancorp South First Response Letter ''. As Bancorp South Bank has yet to allege that I misled XXXX XXXX in any way, shape, or form around the mitigating circumstances around my short sale back in the summer of XXXX, I am also establishing that I was upfront and honest about why I had to short sale my home during that conversation. 2. Based on my loan application, credit report, financial profile, asset allocation, and the information I shared during our first phone conversation on XX/XX/XXXX, XXXX XXXX pre-qualified me on two separate occasions for a purchase price of XXXX in late XXXX and XXXX in late XXXX for a 5/1 ARM 89.9 % LTV Jumbo Loan Portfolio product. Question : If XXXX was concerned that my short sale in the summer of XX/XX/XXXXwould be problematic, why pre-qualify me twice for a jumbo loan? Why not tell me to wait until such time that the short sale will not be problematic? Answer : Because XXXX was not at all concerned about my short sale being problematic. He told me during our first phone conversation that the short sale met his company 's internal guidelines and therefore, there was no reason for me to be concerned that the short sale was problematic. 3. Between XX/XX/XXXX which is when I signed Bancorp South Bank 's initial disclosures for purchase money financing on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/XXXX which is when my file was submitted to Underwriting ( 4 business before my scheduled close ), there was never any written or verbal communication by XXXX XXXX or anyone else from Bancorp South Bank regarding my short sale. The Processor on the file ( XXXX XXXX ) even reached out to me on two separate occasions for two different sets of documentation either of which included any documentation related to my short sale. Question : Again, if Charley believed my short sale to be problematic, why did n't he reach out to me and inform me that I might want to consider exercising my funding contingency to get out of the purchase of XXXX XXXX XXXX XXXX, or get rid of some debt to improve my DTI or see if I can come up more money for a down payment? Answer : Again, because XXXX did not believe my short sale was problematic. His actions or lack of actions during the loan origination process demonstrate that. 4. On XX/XX/XXXX ( one day after my loan file was submitted to Underwriting ) XXXX XXXX finally reached out to me via email and asked for a Letter of Mitigating Circumstances around my short sale. Please reference the attached document titled " Short Sale Email Thread ''. His email implied that he should have already had it and asked me to " resend. '' I quickly responded and told him that was n't something that anyone had asked me for up until that moment but I could send an email shortly if that would suffice for the Underwriter. XXXX responded and said that would be fine and further added that this letter would have been something that we discussed back in XX/XX/XXXX. I did n't recall that being discussed in our XX/XX/XXXX conversation but even if it was, there was no way I would have known to supply that letter unless someone from Bancorp South Bank asked for it 3 months later. XXXX 's response was a little perplexing to me at that time but I shot him a quick email re-iterating what we had talked about back on XX/XX/XXXX regarding my short sale. I.E. I had to relocate from XXXX to XXXX for my job and as a result, I had to short sale my XXXX residence. Question : Why did XXXX wait until 1 day after my loan file was submitted to Underwriting ( and 4 business days before my scheduled close ) to ask for a letter of mitigating circumstances around my short sale? Answer : I offer this as further proof that that short sale never discussed beyond my initial conversation with XXXX on XX/XX/XXXX prior to my loan being submitted to Underwriting on XX/XX/XXXX. If it had, I 'm quite certain that either XXXX or the XXXX XXXX ( Processor ) would have realized they did n't have it and would have asked for it well before XX/XX/XXXX. 5. What was even more perplexing was XXXX XXXX 's response on XX/XX/XXXX after I sent him the email explaining the mitigating circumstances around my short sale. Again, please reference the attached document titled " Short Sale Email Thread ''. His exact response was " SO there was no medical, loss of job, divorce? '' My response was " No, although if I did n't relocate there certainly would have been a loss of job. '' No response from XXXX after that. I followed up with an email that asked if I should be concerned that my short sale was n't for any of those reasons. Again ... no response. Question : Why did XXXX ask if my short sale was the result of a medical issue, job loss, or divorce, when he already knew the mitigating circumstances around my short sale? Again, I have established that XXXX and I did discuss the mitigating circumstances around my short sale on XX/XX/XXXX and that I was upfront and truthful during that conversation. I never even hinted at the short sale being a result of a medical issue, divorce, or job loss. Answer : Because XXXX was just learning from the Underwriter handling my file that the short sale was an issue and there was back peddling happening XXXX 's response and follow up questions to my Letter of Mitigating Circumstances. I believe this is all the proof I need to show that XXXX had not been concerned about my short sale up to this point and therefore never posed it to me as a concern. Even at this point XXXX is n't telling me that there is an issue with the short sale even though I do suspect something is wrong at this point. Even if he did tell me on XXXX XXXX, I was all in and beyond the point of no return. 6. On the evening of Friday XXXX XXXX ( 3 business days before my scheduled close ) XXXX informed me that the Underwriter did not approve my loan do to " short sale seasoning '' and that my file was being escalated to the President of Mortgage Banking ( XXXX XXXX ) for a final decision on Monday morning. On Monday Morning XXXX XXXX, XXXX XXXX denied the loan for the same reason. " To close to the short sale. '' I was informed by XXXX XXXX ( through XXXX ) that if I could come up with an additional 15 % down ( {$93000.00} ), Bancorp South Bank would proceed with financing. Luckily, I was able to find a family member ( Father In-Law ) to gift me {$90000.00} so I could come up the additional 15 % down that I need to proceed with financing. If I had n't been able to do that, I would have been homeless ( I already sold my home to qualify for financing ) and I would have been in breach of my sales contract for XXXX XXXX XXXX XXXX which involved a relocation company that was threatening to sue me if I did n't complete the purchase of the home. Question : If XXXX XXXX handled my loan correctly and was indeed upfront with me about my short sale being problematic, how did we get to that point? Answer : Because XXXX XXXX was never concerned about my short sale and never communicated to me any such concern. He was taken by surprise by the short sale being an issue either because he did n't understand his Bancorp South Bank 's internal policies regarding short sales or he did understand them and assumed that he could work his way around them ifwhen it became an issue. Either way, the end result is negligence on behalf of XXXX XXXX and Bancorp South Bank and financial damage to myself and my family. I had to tie up an additional {$93000.00} in the purchase of a home that I was n't expecting in a state that has very strict laws around cash out refinances. I wo n't have access to that money again for quite some time as it stands right now. Now that I have established that XXXX XXXX was never concerned about my short sale and subsequently never gave me any reason to be concerned, the only other argument that Bancorp Bank South has is that I am a veteran of the Mortgage industry and should have known that the short sale was problematic and the outcome that occurred was a possibility. To that I will say this : Yes I have worked in the XXXX industry as a XXXX XXXX for the past 8+ years. I am not in XXXX XXXX or XXXX so my area of expertise does not apply to those areas. What I do know however is that different Mortgage companies have different internal guidelines and when a Loan Officer tells me that my short sell meets the internal guidelines for the financial institution that he works for, I have no reason to doubt him. I am a consumer like everyone else seeking financing to purchase a home.
07/25/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 750XX
Web
I received a termination letter on XX/XX/2019, regarding my joint checking account at BancorpSouth. I contacted XXXX XXXX, the BancorpSouth official at the local office that issued the letter and was immediately met with resistance. Her tone was abrasive and she was uncooperative. She would not answer any questions related to my account except that it was terminated at the request of the corporate legal department for legal issues and stated I must contact the corporate legal department for more information. After spending two days speaking with multiple people from the corporate team, I still have yet to receive a consistent and precise explanation for termination. Due to lack of documentation and notations on the account providing justification for the termination, the corporate contacts could only provide various speculations as to why the branch office terminated my account but they all confirmed it was not for legal reasons nor was it initiated at the corporate level. They all stated it was initiated at the branch level by the XXXX XXXX branch and that the XXXX XXXX branch could and should have discussed the reason ( s ) with me instead of referring me to corporate. Each suggested I contact the branch office for more information but the branch office refused to speak with me. XXXX XXXX of the XXXX XXXX branch is the only bank contact that informed me that the corporate legal department initiated the termination for legal wrongdoing and refused to discuss anything related to my account with me. I visited my local branch in XXXX, TX, to close the account in person. XXXX and XXXX ( contact information attached ) were also unsure of the termination circumstances and were unable to get any answers from the XXXX XXXX branch but they were able to reach an attorney within the company who confirmed corporate did not have any legal matters against the account and gave approval to close the account and withdraw all funds. It is my belief that the actions taken by the XXXX XXXX office are directly related to recent conflicts with an ex-family member. It is my understanding that they contacted XXXX at the XXXX XXXX branch and made accusations against me and the account. And that because of said accusations, XXXX chose to involve the bank in a civil dispute that is outside the bounds of the contractual relationship I have with the bank. XXXX not only involved the bank but took action against me based on accusations by the third party which is also a customer of the XXXX XXXX branch. It seems as though XXXX used her authority to benefit a third party or at least make it difficult for me to proceed utilizing my account and the funds. It is my understanding that the bank must remain neutral in civil disputes and uphold the privacy of the customer first and foremost. To date, the bank has yet to provide any documentation or reasonable explanation for termination. The actions by the XXXX XXXX office and BancorpSouth raise the questions : What initiated the termination? Why was information withheld from me when I contacted the branch office? Why did XXXX XXXX refuse to discuss my account with me when she stated she knew exactly why she terminated the account? Why is it that corporate can only provide theories and yet no one can give me a definite answer? If the corporate legal team initiated the termination and/or had any involvement, why did numerous corporate contacts inform me otherwise? And why would someone from legal not return my call after I requested to speak with someone on multiple occasions and XXXX was to have someone reach out to me? Why was my privacy violated and my account discussed with a third party? Why did XXXX feel it was necessary to get involved and take action due to such accusations? Why was I not contacted for clarification regarding the allegations since it was my account? Because of the actions taken by the bank and the way in which I was treated, I feel that the branch office and XXXX XXXX violated my right to privacy, that they discriminated against me and treated me unfairly and that XXXX XXXX did not conduct herself in a professional or ethical manner. One owner of the account has been a customer of XXXX XXXX XXXX XXXX Texas/BancorpSouth for over 14 years and has multiple active accounts. Up until now, she has never encountered any issues with any of her accounts and has had positive experiences with those that she does business with on a normal basis. At this point she is not confident that her information or money is secure based upon the transgressions displayed by XXXX XXXX at the XXXX XXXX branch. We appreciate the CFPBs attention to this matter and look forward to hearing back on the findings. Attachments include : details of the interaction with the bank, termination letter, bank representative 's contact information and multiple letters from the bank regarding the conversion process.
07/17/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 750XX
Web
XX/XX/XXXX - I reached out via email to XXXX XXXX ( Loan Officer working for Bancorp South ) and stated that I was referred to him by s ome good friends of mine and was interested in the same Jumbo Loan product that they acquired through him ( Jumbo Portfolio 5/1 ARM with an 89.9 % LTV ) that only required 10.1 % downpaymen t. XXXX XXXX responded back same day and asked me to visit his website to fill out an application and give him permission to pull my credit. We would be in touch after that.

XX/XX/XXXX - XXXX XXXX contacted me via phone after reviewing my credit report. The main question he had during that 10 minute conversation was the mitigating circumstances around the short sale that I did in the summer of XXXX . I explained that my company relocated my job from XXXX to XXXX and a short sale of my residence at that time was my only option because renting would leave me with too big of a monthly deficit. XXXX XXXX was good with that explanation and determined that I would qualify for the 89.9 % LTV Jumbo Portfolio loan product that I was interested in. He stated that I was ok up to a purchase price of {$750000.00} but after that it would be harder to qualify. Consequently the purchase price of the house that we entered into a sales contract on in late XXXX was {$620000.00}.

XX/XX/XXXX - XXXX XXXX issued a pre-qual letter to me for the purchase of a home.

XX/XX/XXXX - I entered into a sales contract for the purchase of said home.

XX/XX/XXXX - XXXX XXXX ( Processor ) reached out to me via email and asked for 10 documentation items. I responded on XXXX XXXX with 14 attachments. It is worthy to note that I received an out of office message from XXXX .

XX/XX/XXXX - XXXX XXXX asked for 5 more items which I promptly returned same day.

XX/XX/XXXX My funding contingency expired on the purchase of the home.

XX/XX/XXXX - My file was submitted to Underwriting XX/XX/XXXX - XXXX XXXX reached out via email and asked for a Letter of Mitigating Circumstances around my short sale ( 1 day after the file was submitted to Underwriting ) back in the summer of XXXX .

XX/XX/XXXX - I was notified late in the day ( Friday, 3 days before closing ) by XXXX XXXX that Underwriting did not sign off on my file because of " short sale seasoning '' and that they were escalating the file up to the President of Mortgage Banking ( XXXX XXXX ) for final review. XXXX was out that day so he would have to review the file on Monday XXXX XXXX . I had to submit an addendum to my sellers to push the close back one day to XX/XX/XXXX .

XX/XX/XXXX - I received an email forward from XXXX XXXX showing that XXXX XXXX had denied my loan file because not enough time had passed from my short sale in the summer of XXXX . However if I could come up with an additional 15 % down ( {$93000.00} ) they could proceed with financing. At this point, I had no options. I did not have an additional {$93000.00} to put down, I was in breach in of a sales contract that involved a relocation company that was threatening to sue me, and I was homeless because had to be out of my house by XXXX XXXX because I sold it in order to qualify for the purchase Mortgage from Bancorp South. It is worthy to note that no concerns about my short sale ever came up by anyone at Bancorp South prior to XXXX XXXX ( 3 days before closing ).

XX/XX/XXXX - I was able to find a family member that was willing to gift me {$90000.00} so I could come up with the additional 15 % Bancorp was demanding of me in order to proceed with financing.

XX/XX/XXXX - I closed and funded financing with Bancorp South My complaint against Bancorp South is that not only were they negligent in how they handled my loan file, effectively truing me in until the very end of the process where they denied my original loan, but they also violated CFPB UDAAP laws by putting me in a situation that I could not control and they changed the terms and loan product on me. I had no time or options to work with other lenders on alternative financing ( unless I wanted to be in breach of a sales contract and homeless ) effectively forcing me to accept their counter offer at the 11th hour. Bancorp 's actions were unfair, deceptive, and abusive. Because of those actions I am financially damaged. I now have an additional {$93000.00} tied up in my house that I was not counting on and no longer have access too because of XXXX ' strict state laws on maintaining a 80 % LTV for cash out refinancing.

02/24/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MS
  • 388XX
Web Older American, Servicemember
I have been a long time customer of BancorpSouth Bank, for over 30 years. On XX/XX/XXXX while reconciling my bank statements, I discovered an unauthorized debit to my checking account in the amount of {$430.00} to XXXX XXXX XXXX. I immediately contacted the bank, was transferred all over the world, and had to repeat the problem over and over again. No one knew what to do or how to handle. I spend most of the day on the phone and even drove to the local branch location and no one there knew how to handle either. The debit posted to my account on XX/XX/XXXX and was on my XX/XX/XXXX bank statement. Due to critical illness of an immediate family member and subsequent death, I was unable to reconcile my last several months bank statements until XX/XX/XXXX. The bank told me that I would need to contact XXXX about the " disputed authorized transaction ''. They are repeatedly putting words in my mouth and calling it an disbuted authorized transaction when in fact it was an unauthorized transaction. There is a quite a difference. The debit card used in this transaction has always been in my possession and was never lost or stolen. I have not given anyone else permission to use my card. My husband does not even want a debit card because of all of the fraud and theft involved with these cards. Historically, I normally only use my debit card to withdraw funds from my account at a BancorpSouth Bank ATM so I won't have to go inside a branch. I pay for all of my daily expenses with either cash, credit cards or by paying with a paper check. I rarely if ever use my debit card because of the liability. I contacted XXXX and have provided two communications. The first is an email dated XX/XX/XXXX, stating that they reviewed my XXXX account and did not locate any charge in the amount of {$430.00}. It also states that the card number in question is NOT listed as a payment method on my XXXX account. The second communication is a detailed copy of the only order I placed with XXXX in XXXX in the amount of {$35.00}. I use XXXX to pay for all of my orders through XXXX and always have. After finally deciding they knew how to handle the my unauthorized transaction, the bank provided provisional credit and started their investigation. I received a letter from the bank dated XX/XX/XXXX, stating a billing error had occurred, the case was closed and the provisional credit was final. Several days later, I received another letter from the bank stating a billing error has not occurred and the provisional credit was being revoked. Confused yet??? Right hand does not know what the left hand is doing. Very typical experience with a bank that has had little training and very poorly managed. I called and requested investigation documents on XX/XX/XXXX and was told I would receive the investigation documents within 24 hours by email. After not receiving any response let alone documentation, I called again on XX/XX/XXXX and was told because the unauthorized transaction was over 60 days old, they did not have anything to provide. Regulation E does not provide a statute of limitations on a consumer 's right to claim an EFT was not authorized. I guess BancorpSouth Bank is enforcing their own unfair limitations and practices. According to Regulation E, the bank does not have to comply with 12 CFR 1005.11 related to error resolution timing notices and provisional credit for unauthorized transactions that appear on statements provided more than 60 days before the claim was received. The bank must still comply with 12 CFR 1005.6 related to unauthorized transactions and the consumer liability limits. The UEFT was on my XX/XX/XXXX statement. Sixty calendar days after this statement is XX/XX/XXXX. Any UEFTs occurring on or after XX/XX/XXXX would be my liability. There have been none. Any UEFTs occurring before XX/XX/XXXX, which I reported to the bank as an unauthorized transaction would be subject to reimbursement. The {$430.00} transaction is an unauthorized transaction that I have reported to my bank in a timely manner. Their past and continued practices related to unauthorized transactions under Regulation E are unfair, deceptive and abusive. How many others have they harmed?? Would definitely like to see this bank reviewed for issues with patterns and practices of unfair, abusive and deceptive practices of Regulation E. It is obvious to me there is no consideration for consumer protection laws and regulations at this bank.
09/13/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 357XX
Web Servicemember
This complaint involves the following companies : * XXXX * XXXX * XXXX * Bancorpsouth LLC * XXXX XXXX XXXX ( XXXX ) * XXXX XXXX Regarding the companies : XXXX XXXX XXXX My report has been disputed almost every single month over the same accounts with all three bureaus modifying or publishing inconsistent changes for each dispute. Between XXXX XXXX and XXXX/XXXX/XXXX I have filed multiple disputes with each bureau in an effort to correct inaccuracies in my reporting. These inaccuracies have affect credit decisions for me and have cost me considerably with opportunities. The credit card accounts that I had with Bancorpsouth and XXXX XXXX were previously in a collection status and there was an established agreement made before settlement payment that my negative remarks, payment history, and derogatory status would be removed from reporting upon receipt of payment. Bancorpsouth and XXXX XXXX have repeatedly varied their responses and required credit bureau disputes all of which returned inaccurate results that still have not corrected the issue. Bancorpsouth refused completely to acknowledge their issue or even attempt to resolve the issue on their own. After informing them when I called back in XXXX of XXXX that I had previously submitted 2 disputes with no avail they simply suggested that I attempted yet another dispute. I have done the 3rd dispute attempt and have not had the issue corrected at all with XXXX, XXXX, or XXXX all of which have obfuscated reporting and all of which have changed their reporting multiple times with each dispute, failing to resolve the issue each and every time. I have attempted to subscribe to all three bureau 's individual reporting services in an attempt to progress my issue and not only was I charged money for access to inaccurate reporting, I was unable to receive the assistance that I paid for. This is in addition to the XXXX security breach which has left me unable to access my credit report to " freeze '' it due to both online and telephone failures. I have only been able to access error messages both online and over the phone when attempting to contact all three bureaus to freeze my report. XXXX, even though I am a currently paying subscriber, attempted to sell me an additional service that provided features which I was already entitled to, and features that did not deliver the service that they advertised. XXXX also presents its premium subscription as a way to receive quicker alerts and added safeguards in defending fraudulent activity. As a subscriber I was not made aware, and still have not received, any attempted communication on the part of XXXX to notify me of the security breach. My accounts with Bancorpsouth and XXXX XXXX have been settled well out of this year. No account had any obligation owed and I was not in any customer relationship with either bank for the entire whole of XXXX. Furthermore, my account with the Veteran 's Administration that was reported as of even the most recent XXXX dispute as being in a collection status as of XXXX. I have a paid in full letter directly from the Veteran 's Administration refuting this reporting entirely. The latest XXXX dispute results as of XXXX state, " We have verified that this item has been reported correctly. Additional information has been provided from the original source regarding this item. The date closed has been updated. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. '' XXXX XXXX XXXX has neglected to report all payments made in accordance with attached documentation. In addition, each dispute filed did not return accurate reporting for this information as well. My current status still shows as a collection account in derogatory status despite a paid in full letter showing the correct date directly from the Veteran 's Administration
09/12/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • MS
  • 386XX
Web Servicemember
On XXXX XXXX, XXXX my wife and I met with XXXX XXXX XXXX of Bancorp in XXXX, MS to apply for a construction loan to build our dream home. After the meeting everything seemed to be ok. Even when she pulled our credit, XXXX XXXX was very positive that we would qualify for the construction loan. I asked her about the approval process and asked if there was a board that convened to review the application. She informed me that she had to get XXXX, a Bancorp employee from another branch to look at the paper work and sign off. A week passed and she called me and requested proof of my military retirement income. In that same conversation she advised me to get some builders risk insurance. Upon being instructed to do so, I was encouraged and led to believe that everything concerning the loan was ok. The next day I got a commitment letter from XXXX Bank for {$300000.00} dollars. I scanned the letter to XXXX XXXX and she said, " Good, I am getting ready to finalize everything so I will be getting with you Tuesday. '' This conversation and the general tone of all interactions led me to believe that everything regarding the loan was positive and as instructed, I obtained builders risk insurance. I was in communication with my builder and he was ready to start building. She did mention that I had some slow payments in XXXX on my son 's car. My son and I have the same name, she also mentioned XXXX slow payments ( XXXX on a credit line and XXXX on a mortgage in XXXX ). She noted them but, said that she did n't see that as a problem. One week later she called me back to say that she was sorry because we did n't have money in the bank because if we go over the amount we would not be able to afford the house. She went on to say that I had some late payments on my son 's car in XXXX and XXXX slow payments in XXXX. She added that because I had too many small mortgages. For the reasons fore stated, she advised that XXXX would not sign off on the loan. She stated that she was as disappointed as I was. I stated please get XXXX to look at the loan again, the reason why my account is a little low because I had just paid cash for XXXX investment properties. I told her that by the end of the month I would complete the sale of XXXX properties, which would pay off XXXX of the small mortgages and enable me to have {$30000.00} dollars in the bank. Also in my package we have {$180000.00} in our XXXX plan. Plus we only ask for a loan for {$280000.00} dollars. XXXX pre-qualified us for {$300000.00}. She stated well I do n't think that XXXX notices the {$180000.00} in your XXXX plans. I will run this by XXXX again. In the meantime I sent her this email. ( please read attachment ) A week later she called me back and said that I am sorry but XXXX will not sign off on the loan because you had some slow payments on your son 's car in XXXX and XXXX slow payments in XXXX. XXXX XXXX that was two years ago, yes but come back in XXXX to 4 months and try again when these payments will over two years. I was disappointed and confused as in the past, all of the banks that I have dealt with only go back a year, on mortgage slow payments. Everybody desires the American dream. I feel that because Bancorp South was not fair in this loan process, my family and I have been denied the fulfillment of that dream. I know that the race card is a common defense but I confident that if I was a XXXX, my home would be under construction, approaching completion. The actions of XXXX and its representative has me now questioning the 27 years that I spent in the military, fighting for my country. I did not seek any special treatment, I am seeking fair and equal treatment without regard to race or creed. My simple desire is to be able to fulfill my portion of the XXXX dream. Thank you for the time and consideration of this complaint.
06/13/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • LA
  • 705XX
Web
I am an XXXX XXXX considered an XXXX XXXX and XXXX XXXXXXXX and I do not require a separate tax id number or articles of corporation. I was invited to apply for the targeted advance eidl grant from SBA under this business and was approved. I gave my Bancorp South account number and routing number for my {$10000.00} electronic deposit to be deposited after calling customer service of bancorp to verify this would not be a problem and was assured it would not be. On Friday XX/XX/XXXX, after seeing the money was deposited and in my available balance thru my online account, I asked my neighbor to take me to the closest branch as my vehicle is inoperable and the biggest reason for requesting the grant. Once I arrived, the tellers refused to release any of my funds stating the deposit had to be verified due to the large amount. I was assured by these tellers that my money would be available the next day. I also called customer service to complain and was again assured my money would be available the next day. At XXXX the next day XXXX went to retrieve some funds at the same branch on XXXX XXXX in XXXX, LA as the other branch is closed on Saturdays and further away. I was told by the teller in the drive thru that my funds were on hold until I came in with my articles of corporation and tax id number proving I owned that business. I explained that those documents were not necessary for my type of business but she still refused. I called customer service after leaving and spoke to a supervisor who suggested I go to the branch where I opened my account which I plan on doing as soon as I can get a ride. In the meantime I'm unable to fix my car and pay for parts ordered and my whole life has been delayed because of the incompetence of these bank officials and the opposite of what these funds were supposed to be for. These funds were offered to XXXX in low income areas who suffered a loss from COVID. Yet bancorp South and other banks are doing everything possible to prevent us from getting the funds the government has released to us. If SBA needed a tax id or the funds to be deposited into a business account so the banks can make more money off of us they would have required these steps before approving the grants because they are familiar with business law and apparently banks feel they can override these laws. I am not only complaining for myself but for all the other victims of this negligence to bring attention to how we are being treated because we are not big businesses and come from low income areas. If I do not immediately receive my funds I plan on contacting the attorney general, the media, and legal counsel. I am attaching emails between myself and SBA, tax documents, and XXXX documents supporting my XXXX XXXX as an XXXX XXXX which should not be required of me again since I've already proven my eligibility to SBA. Please assist me and take steps to inform the banking industry to stop abusing their powers over the public like this. We have suffered enough. I've heard horror stories of banks refusing indefinitely to release SBA funds and/or sending them back which takes months to retrieve. Thank you in advance.
03/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
Web
I opened a checking account on XXXX XXXX in XXXX XXXX XXXX I trade and sell bitcoins for a better income to take care of my family and I accept payments through XXXX pay. In four days my account was shut completely down with no access at all. I called the branch and was told someone would get in contact with me. After a couple of days I hadnt received a call so I called back to the branch. This time I was told to call the call center and theyd help me. Call center said they didnt see why but my account was closed and that a check in the amount of {$6700.00} had been mailed to me. After a week and a half and no check I called back to the CC and was told that the check was mailed 2 days prior to that call and that Id have it in a couple of days.1 week went by and still ... no check. I called the branch manager and she stated that there was no check every coming and cant see why anyone would tell me that. XXXX The branch manager XXXX XXXX XXXX your account was closed due to fraudulent payments. The crypto that you were selling were being purchased by someone who didnt have authorization to use the card. I assure you that its not your fault and you did nothing at all wrong, but we had to send the remaining funds back to the cardholder. Now 2 months later Im still calling and begging to just get the chance to show that I have every transaction they may want to look into. I only sell to people that view my offer and initiate a trade. I give my XXXX info and check once they say theyve paid and then I release the crypto to them. I have everything from the first message, down to the positive feedback left by the buyer after the trade was completed. Not once was I asked to come and bring proof that I wasnt participating in fraudulent activity. I feel as if Im being robbed by a bank, especially when Im being told that I didnt do anything wrong. This cant end like this. I had to put my wife and children in a car every night for 3 nights I order to stay warm until I sold the only thing my dad left me just to pay our light bill. I do not deserve this treatment when I try my best to make everyone have a great day every day. MY FAMILY IS LITERALLY SUFFERING DUE TO ME GETTING ALL OF OUR MONEY TAKEN AWAY BY DOING NOTHING WRONG AT ALL! In no way is this fair to me when if there was fraudulent activity going on, I had no idea AT ALL and NOTHING to do with it. Im a XXXX XXXX putting my own life on the line daily to help people Ive never met. Im not a criminal and I wouldnt and couldnt scam someone and get over on them. I feel like Im less than a man/husband/father watching my family suffer and the only thing I can say is its going to get better, knowing that its not. I NEED my money back and its only fair. Why do I have to take the loss when Im being told I did nothing wrong? IM BEGGING AND PLEADING WITH YOU. PLEASE HELP ME. PLEASE .... I beg you and Im sorry this is so long but you have to understand. I CANT LET THIS JUST END LIKE THIS AND SUFFER MY FAMILY.
07/10/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • MS
Web Older American, Servicemember
We are requesting a federal investigation of BancorpSouth Bank in Mississippi. XXXX XXXX and XXXX XXXX XXXX purchased a home, financed by BancorpSouth in XXXX, MS XX/XX/XXXX and were informed during the closing that they were purchasing mortgage protection also. When the application was received in the mail XX/XX/XXXX, XXXX XXXX completed this application and submitted it to Bancorp South because BancorpSouth 's name was listed on the application. This application was taken to Bancorp South. Although, BancorpSouth now states that this is not their application, XXXX and XXXX XXXX never received notice from BancorpSouth that this was not BancorpSouth 's application after he returned it to them in person. XXXX XXXX passed away in XXXX XXXX, and his wife and daughter, XXXX XXXX and XXXX XXXX, contacted the bank, who financed the mortgage and mortgage protection. The bank claims that the application is not their application, although they accepted it from XXXX XXXX in XX/XX/XXXX. It was also XXXX and XXXX XXXX 's understanding that the amount was included in their mortgage, which was deducted monthly from the XXXX bank account. The contact person is XXXX XXXX at BancorpSouth. Her telephone number is XXXX and her email address is XXXXXXXXXXXX. We sent a letter to BancorpSouth Bank on XXXX XXXX, XXXX, and BancorpSouth Bank 's attorney waited until the statute of limitations had run to respond to the letter on XXXX XXXX, XXXX. Although this was a very heartless and conniving move, we are requesting a full investigation in their handling of this matter. The estate of XXXX XXXX feels they are being discriminated against because they are XXXX and are being taken advantage of by BancorpSouth. Bancorp South is also refusing to produce documents regarding XXXX XXXX 's accounts, which indicate they have something to hide by withholding information. XXXX Strong, the attorney at BancorpSouth is stating that entering XXXX and XXXX XXXX social security numbers and obtaining their account information is " unreasonable and unduly burdensome. '' This is a ridiculous excuse. XXXX XXXX is requesting this information on her behalf and on behalf of the estate, and it should be sent to her. XXXX XXXX is ignoring the fact that XXXX XXXX served in the XXXX XXXX ; and since his death, his wife had to get a full-time job in her late XXXX 's, although she never worked a day in her life. She is also the administrator of the estate of XXXX XXXX. It is obvious that BancorpSouth has been mistreating and discriminating against XXXX, as they were fined XXXX dollars last month due to their unfair actions when banking and giving mortgages. See Consumer Financial Protection Bureau v. BancorpSouth Bank in XXXX, XXXX of XXXX , XXXX Division.
07/06/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OH
  • 432XX
Web
I felt overwhelmed with the process from the start and asked all parties to also include my fiance and gave them permission to speak to him about my loan as he is from Mississippi and I am not. I am a single XXXX XXXX female with excellent credit, and I have never been late on my past mortgage. I retired from the XXXX XXXX XXXX after 30 years of service at XXXX years old. I paid my mortgage on time for the past 16 years, Now I am planning to get married and purchase a place in the south. My realtor suggested that I use Bancorp South, I figured they were a local bank therefore there should be no problem. We researched different loans and wanted to go USDA RD as they have other programs that we are interested in. I looked at the USDA website and found that Bancorp South was a preferred lender. At this time We feel that Bancorp south has dragged this loan process out, and have not treated me fair.

On XX/XX/XXXX I applied for a Mortgage with Bancorp South, I wanted to do a USDA RD loan because I am purchasing 27 acres with a 3bd/2ba home to an rural area and USDA is 100 % financing. I submitted my documents as normal, I was told that I would need a significant down payment because of my DTI ratio for an FHA, so I decided to use part of my deferred compensation to payoff my current home on XX/XX/XXXX. I did everything that was asked, I sent given the seller {$1000.00} in Earnest money, the bank wanted a copy of the cleared check and the account statement that showed it cleared, I sent that. I was asked to complete a payment form with a credit card to pay for a {$470.00} appraisal, I paid for my appraisal on XX/XX/XXXX to Bancorp South. Then the loan officer started to ask for the same documents over again, I sent them in again. I sent in my mortgage payoff letter from XXXX XXXX, and the bank account statement showing the cleared paid mortgage and on XX/XX/XXXX I received a call from Bancorp South wanting to do a 3 way call with XXXX XXXX to ask if the mortgage was paid off and there were no late payments, the Bancorp south person asked the XXXX rep., the questions. Today someone has contacted my realtor to verify that she is whom she states she is, Why, I am the person buying the house. I feel like the bank is stalling on underwriting my loan, there is no reason it has taken this long I am due to close tomorrow and the loan is not in UW still. The bank always calls after normal work hours, when I am home and available all day to submit whatever they need immediately. I wonder would a male white would go through this if the situation was different.

01/24/2020 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AR
Web Servicemember
Now a law firm working for someone got inside information from a county employee and used that information to garnish her ssi retirement savings for XXXX dollars and used my name again first that money was not mine in any way shape or form and I didnt even bank at bankcorp south when they ducked the rest of her money out leaving her savings wiped out and making it look like it was my fault Im no lawyer but I dont see how in the world any of this could be legal in any way shape or form. It went from bad to worse as I was dragged to jail after a level XXXX XXXX offender stated to a XXXX county deputy XXXX XXXX that I tryed to run over him he accuses me of trying to run him down officer XXXX beat on me in the jail in front of of other officers and jailers screaming I know your playing possum on me until a nurse was called up front she told him to get me to the emergency room now and he loaded me up and dropped me off at the local er XXXX XXXX XXXX where they tryed to XXXX me with a XXXX XXXX XXXX in charge of the er and officer XXXX went home I wan na get as much of this out as possible because I fear for my life now I have been set up I local towns for ludicrous charges and am still going to deal with this whole county is so dirty I never really could have reached 10+-ye are I need the help of the federal law inforsement agency thats in charge of this or I will be XXXX by this time next year they are trying to beat me down but I have all the documents supporting my facts and if I dont they will be a fake document issued by local government and police judges and clerks backing up my statements thank you very much for your time and I pray to god thi didnt fall on deaf ears Ive never been in trouble with the law or anybody in my XXXX years of life now all this has happened in a less than two years I know this for a fact if someone wee to administer polygraph exam I would take it first and let all the other people go after me I know what the outcome would be I could pass a million questions they cant pass any hes wainting to arrest me now! The city council in XXXX XXXX is dirty so Im assuming that the ones in XXXX XXXX and XXXX are as well its way to much to list here but thats a start XXXX XXXX XXXX Arkansas XXXX thank you
08/16/2018 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 380XX
Web
I applied for a FHA mortgage loan with Bancorpsouth in XXXX, AL in XX/XX/XXXX. During the loan process my credit was pulled and I was questioned on one of my creditors ( XXXX XXXXXXXX XXXX XXXX ) and the Creditor was called by XXXX XXXX to gain further information. There was discrepancies on the part of the Creditor ( XXXX ). I explained to the Loan Officer the discrepancies. I proceeded to contact the Creditor to get the incorrect information corrected. The Creditor did an investigation and during their investigation, they found that they had in fact provided the incorrect information. Bancorpsouth requested further information from the Creditor. The Creditor stated it would take them 10 days because they would have to do another investigation. The Loan Officer insisted I hindered the Creditor getting the information to them because I had contacted them to correct what they had wrong. Bankcorpsouth asked XXXX for a pay history before, during and after the bankruptcy. I had disclosed to Bancorpsouth that I had filed a Chapter XXXX bankruptcy and at the advice of my Attorney, I surrendered the home in the Chapter XXXX and the house sold in XX/XX/XXXX, the bankruptcy was filed in XXXX ; therefore, there would not have been a pay history during and after the bankruptcy. I was denied my loan and I am inclined to believe the true reason of my loan being denied was based on my race ( XXXX American ). On XX/XX/XXXX the Loan Officer put derogatory information into the HUD system about my denial before I had received a letter from Bancorpsouth informing me that my loan had been denied. I find it very ironic that she input the derogatory information into HUD only after another Loan Officer from a different Mortgage Company requested the information from her. Due to the derogatory information that was put into the HUD system, this prevented me from getting a mortgage loan with the new mortgage company. I personally think this was a vindictive act from the Bancorpsouth Loan Officer and the Underwriter. I did not receive my denial notification from Bancorpsouth until XX/XX/XXXX days after the derogatory information was put into HUD.
09/03/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • MS
  • 388XX
Web
I have had my credit card with BancorpSouth Bank in XXXX, MS for quite sometime. I pay my balance in full every month. I use the card for online grocery purchases, gas and some other occasional online purchases. On Monday, XX/XX/XXXX, I was notified through XXXX that my authorized subscription for {$5.00} was declined by BancorpSouth Bank and that I needed to provide another form of payment. I knew this had to be a mistake. On Wednesday, XX/XX/XXXX, I used my BancorpSouth card at XXXX and at the gas station. Late Wednesday night, I created an online grocery order to XXXX. When I tried to use this credit card to pay, it was again declined. I thought maybe their system was down so I attempted again. During banking hours on Wednesday, I sent an email to BancorpSouth Customer Service to inquire what was going on with my credit card account. I received a response that I would be contacted within 24 hours. At XXXX XXXX on XX/XX/XXXX, BancorpSouth Fraud and Risk Management Department contacted me and asked me to return their call. I called them back and spoke with XXXX. He immediately asked me for my card number. I refused to provide. In this day and time with all of the fraudulent transactions, I could not believe they asked for my card number. There has to be other ways to verify your identity. He said my card was placed on hold on XX/XX/XXXX and wanted to review some transactions with me. I asked him why it took 4 DAYS to contact me and that I had several transactions declined because of their hold. He provided no explanation for the delay in trying to reach me. This is very embarrassing! XXXX will no longer accept my BancorpSouth Bank credit card as a source of payment because they think I was past due or over my credit limit. What if I had been on vacation with this credit card as my only source of payment??? It is very obvious to be there is no standard of care or customer service at this bank. I still have not received a call from their customer service and it has been well over 24 hours mentioned in their email.
08/17/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • TN
  • 381XX
Web
I am of XXXX ethnicity, but was born in the US. I have been accepted into a XXXX in TN. I will be making XXXX/year the first year. I applied for a mortgage from Bancorp South for {$230000.00} in XXXX for a house in XXXX. I was originally told I would be able to get a {$250000.00} loan so I stayed in the budget. The underwriter required me to have documents re : my repayment plan for my loans XX/XX/XXXX. I was not due yet, but I applied for a loan consolidation and got an estimate that I would be paying XXXX $ / month. I submitted this information to the underwriter XXXX XXXX and the underwriter required more information. I had planned on the REPAYE plan which is an income based repayment. When I received my loan summary, the underwriter said they needed a specific document indicating how much I would have to repay per month. I then contacted the loan company and they tried to expedite my income based repayment application. As soon as it was completed, I sent it to the bank representative who sent it to the underwriter. The underwriter finally commented that because it is an income based repayment plan that could change as my income increases, they can not give me the loan. I have been living in a motel for 1.5 weeks waiting for the mortgage in order to close the sale of my house. My daughter started school in the XXXX district. I have had to start work living in a hotel. When we speak to the bank representative and the real estate agent, they are flabbergasted. They have never heard of an underwriter doing this. It does not make any sense. The bank representative is appealing this decision. In the meantime, we are a displaced family, living in a hotel which is not financially sustainable for us.
12/03/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MS
  • 395XX
Web
In XXXX of 2020 my insurance company reached out to my lender XXXX XXXX at Bancorp South and asked for a payment for the escrowed amount owed. He asked for a statement and the insurance sent it over. The company sent it over with my name XXXX XXXX and in the name of our Company XXXX XXXX XXXX XXXX. Instead of adding my husbands name XXXX who is the loan holder. XXXX after several emails to the insurance company never expressed the issue nor did he call me to correct it very quickly. He allowed the insurance to laps and Bxs put their backup policy on it with out my knowledge. In XX/XX/2020 Hurricane Sally hit and we had Loss of Use and some damage to the condo. I went to file the loss on my policy, only to be told I was NOT insured. After much discussion and communication ( see attachment ) I reached out to the Customer Service dept at XXXX, after I got no help from XXXX. To be clear, I was never informed that due to a clerical issue the escrowed amount would not be released, and never did my mortgage payment change to reflect that. I investigated further and the small act of XXXX calling me and or speaking to my insurance rep about the issue would have set in motion the adding and or changing of the policy name to as simple as a call. Bancorp South has my complaint in house for over a month and are now not returned my calls. Due to my not being able to claim Loss of Use and receive funds to compensate and the fact that I can not rent my condo means I am at a deficit. I am close to not being able to pay my mortgage and loosing my property. I need a resolution and I want XXXX to reimburse me what I would have relieved from my insurance company to keep afloat.
05/16/2016 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • MS
Web
I am a single, XXXX mother of an XXXX, XXXX child. My XXXX XXXX was being repaired, needed a new seal put in. Meanwhile, XXXX XXXX, XXXX had come to stay with us because he had XXXX and asked if I could help take care of him until he was better. He ended up being hospitalized for almost a week, but came back here until he could regain his strength. His cousin would come and pick him up most every day to go to the store for us. I gave XXXX my debit card to get groceries and such from the XXXX, grocery store, and convenience store when he 'd go. I NEVER gave him permission to get money from the ATM. That was my only way of getting our necessities at the time. XXXX had gotten better and left my home on XXXX XXXX. I began receiving Overdraft notices from the bank, but knew that I had not even paid all my bills for the month. I checked my mobile banking and found that {$75.00} had been taken from the ATM on XXXX XXXX, which sent my account into overdraft for XXXX. I ended up being charged {$72.00} overdraft fees due to XXXX transactions that I 'd made without knowledge of his withdrawal. I usually get paid on the XXXX each month, but it fell on Sunday, so I got paid on Friday, XXXX XXXX. I went to the sheriff 's dept. and did a police report, which I took to XXXX XXXX. I signed an affidavit stating that the money was stolen from my account. The outcome is that my claim was denied due to " Negligence to safeguard my debit card. ''
12/02/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MS
Web
I was denied a mortgage loan. I started the application process on XX/XX/XXXX. The loan closing date was moved to XX/XX/XXXX. The reason for denial of the loan from BancorpSouth was sited as my current position of XX/XX/XXXX fellow has an end date of XX/XX/XXXX. I have worked steadily as a XX/XX/XXXXfor the past ten years. I started my current job as a XXXX XXXX fellow in XX/XX/XXXX. I applied for a conventional loan with 20 % down. My credit score, assets, and wages were satisfactory. BancorpSouth was aware of my current job when I applied for the loan on XX/XX/XXXX. I received a call from XXXX XXXX, loan officer, at XXXX XXXX XX/XX/XXXX stating that BancorpSouth would not approve the loan for the above stated reason. I spoke with her on XX/XX/XXXX XX/XX/XXXX to assure that the loan would close on or before XX/XX/XXXX because the initial closing date was changed due to BancorpSouth. I was told that it would surely close before XX/XX/XXXX by XXXX XXXX. I paid for the appraisal through BancorpSouth. The appraisal was satisfactory. XX/XX/XXXX is the day before XXXX ; the next day, XXXX, which is a holiday, the bank would be closed. I was told on Wednesday, XX/XX/XXXX at XXXX XXXX that BancorpSouth would not approve the loan. The closing date was scheduled for XX/XX/XXXX, XX/XX/XXXX.
11/07/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MS
  • 39533
Web
XXXX XXXX XXXX, XXXX was in arrears by approximately $ 20K on a mortgage loan with BancorpSouth Bank as of XX/XX/XXXX. The amount remaining on the loan was approximately $ 120K, as evidenced by the invoice attached. On XX/XX/XXXX one of the buildings located on the property was destroyed by fire. After the tragedy, it was discovered that the property was foreclosed on XX/XX/XXXX. No notification of pending foreclosure was ever received by XXXX XXXX XXXX. The property was appraised at $ 240+ in XX/XX/XXXX ( please see copy of appraisal attached ). BancorpSouth contacted the insurance company and requested that insurance proceeds be sent directly to them ( please see attached email ). The building that was destroyed was insured for {$150000.00}. A check in the amount of $ XXXX was made payable to XXXX XXXX XXXX XXXX, BancorpSouth Bank, and Small Business Administration. If repairs were made within a certain period, then the additional coverage amount would be forwarded. As of this date, no check has been forwarded to XXXX XXXX XXXX. The bank now has the property and the insurance proceeds, which is much greater than the $ 120K that was owed. This seems unfair and unjust. XXXX XXXX XXXX paid the insurance premiums and seeks the insurance proceeds received for this loss.
04/23/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
Web
I am an American Citizen residing in The XXXX XXXX. My Father, XXXX XXXX XXXX had an account with BancorpSouth Bank XXXX XXXX XXXX XXXX, XXXX XXXX Texas. My father passed away on XXXX XXXX XXXXPrior to my Father 's passing, my XXXX XXXX XXXX had power of attorney for his finances. My brother has my fathers will. I have had to pay a lawyer {$3000.00} just to make my brother take the will to the courthouse. On XXXX XX/XX/2019, my brother has distributed my Father 's bank account as per the will. I do not know if this has been distributed correctly as my brother will not show me what was in the bank account at the start. I do not know how he has managed to distribute and take some of my Fathers money from his bank account and close it when he has not been appointed as the executor. ( no-one is the executor as of yet by law ) My brother only had power of attorney whilst my Father was alive. I called the bank and they will not tell me anything as my name is not on the account. My brother 's name is also not on the account, he just had power of attorney up until his death. I was coming to America prior to the Corona virus outbreak. Now I am stuck in the XXXX XXXX not able to do anything.
11/29/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • LA
  • 712XX
Web Older American
XX/XX/18 bank charged {$36.00} fee for a {$27.00} approved charge to come in that day. They charged the {$36.00} fee after I made my deposit. I called customer service and got a couple of different stories, then they transferred me to the bank and I got another story. As of around XXXX on XX/XX/18 there was no pending {$27.00} charge. On XX/XX/18 I pulled up my account and there was the approved pending {$27.00} charge. I went to the bank after XXXX on XX/XX/18 to cover the charge. The bank is using discriminatory practices to gain financially on consumers because if the approved charge for {$27.00} was actually on my account XX/XX/18 it would have shown pending online as it does today and my deposit would have covered it. Instead, it was never pending and they chose to assess a {$36.00} fee.Other banks have been fined and had to refund charges for these types of discriminatory practices in the past and have paid high penalties. BancorpSouth was fined over $ 10M earlier this year for other discriminatory practices and I guess they atrying to recoup the money using another discriminatory practice.
10/15/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MS
  • 394XX
Web
BancorpSouth changes the order that debits post to accounts up to 4 day after they show up on online banking. Like I make several debit on Friday, the a large auto draft comes out on Monday that causes an overdraft. BancorpSouth will take the small debit that posted Friday, change the dates to Monday and post them after the large auto draft. So they not only hit me with an overdraft charge for the large debit, which i have no problem with. I owe that one, it 's the overdraft charges for the small debits made on Friday that they changed the dates on so they could maximize the number of overdraft charges that I have a problem with. This is not the first time this has happened. They have done this before and from what i am reading on the internet, this common practice for them. I 'm not asking for the fair overdraft charges back, but i want the fraudulent overdraft charges back with a letter of apology, and I want the same thing for everyone else that BancorpSouth has ripped off
08/03/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
  • 365XX
Web
In XXXX of this year my business discovered that a check ( {$240.00} ) which we mailed ( In XX/XX/2020 ) had been intercepted, washed and cashed for ( {$6800.00} ) an amount much greater than what we originally submitted the check for. We notified our bank ( BancorpSouth ) as soon as we discovered the issue and after several weeks, they advised that due to the check being cashed at a different bank ( XXXX ). After numerous attempts to have our bank intercede, we notified the local post master and the local ( XXXX, AL ) Police Department who knew that a crime ring had stolen and washed numerous checks from our area. Detective XXXX XXXX with the XXXX ( Alabama ) Police department took our complaint and reportedly issued subpoenas to both banks. Detective XXXX also spoke to the FDIC who states that our check should have been covered by the FDIC. I approached our bank ( BancorpSouth ) about submitting the issue to the FDIC, however our bank states that too much time had passed
12/16/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • TX
Web
Numerous letters from BancorpSouth mortgage provider stating that they do n't have proof of hazard insurance and that they would be buying it on my behalf and would charge me an outrageous amount. I called and emailed them the policy from our XXXX 's XXXX contact and gave them the contact info so they could contact them directly in the future. Each time, they said they received it and it looked like what they needed. But the letters did not stop. I contacted them three times, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. They said on this last call XXXX XXXX was the representative ) they they will get the information from the XXXX 's XXXX directly, which is what I asked for originally. I asked them to keep this in their records so that next year and the year after etc they could get it from the proper source. They said that no they would not do that, said it will happen every year, and were generally rude, unhelpful and unprofessional.
01/24/2017 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • TN
  • 383XX
Web
I am a student at XXXX University in XXXX. I am originally from XXXX. In XXXX my debit card was stollen. There was a charge of {$73.00} on my account to XXXX. XXXX is a XXXX website that does not have any contact information. Bancorp South reimbursed my account three days after. In XXXX XXXX responded saying that I was a Cardholder since XXXX and provided a fake name and address that did not match anything the bank has for my account. XXXX XXXX while I was home in XXXX break Bancorp South sent me a letter stating that I would have to write a rebuttal letter by XXXX XXXX, XXXX in order to receive my money back. I returned to XXXX Monday XXXX XXXX, XXXX and received this letter Monday XXXX XXXX, XXXX. The bank has withdrawn the reimbursement of {$73.00} because I did not respond by XXXX XXXX, XXXX even though I did not receive any notice until XXXX XXXX, XXXX. They will not return this money.
03/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 372XX
Web
I reported unauthorized charges on my account in XXXX that occurred in XXXX. I waited the 30-45 days for a response and even filed 2 additional disputes. When I continued to be ignored by my financial institution, BancorpSouth, they told me that they had no legal obligation to assist me as it has now been beyond 60 days. However, they did acknowledge receipt of my written complaint within 30 days of the charges occurring. From my understanding of the FCRA they are actually the ones who have 30 days to reply to me and if I am not given a response their obligation is to refund the charges. I've spoken to several different managers with my bank and they prefer to bend the law to suit their needs. The charges were in the amount of {$170.00} and {$44.00} from XXXX XXXX XXXX. Please assist me in getting my money rightfully returned to me as is required by the FCRA.
06/20/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • TN
  • 381XX
Web Servicemember
XXXX, a Bankcorpsouth bank manager threaten to close my checking and savings accounts after I filed a complaint against one of her employees. The employee denied me services at the drive through. This same employee has bullied and mistreated me in the past. I stopped going to that location because of the mistreatment by this one employee. Instead, I went to other locations that are much farther to drive. I am a XXXX Military Veteran and can not stand long or walk without severe pain. Since the drive through employee refuse to do two transactions I had to go inside the bank which is very difficult on my body ; getting in and out of the car, walking and standing for long periods and this is what I had to do because the drive through employee refuse me services. She knows I am a XXXX veteran. and I have a displayed XXXX decal.
07/13/2016 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • MS
  • 392XX
Web
I have an mortgage loan with Bancrop South and I have been treated like I do n't matter. I have had problems with them contacting me when I have questions or issues. As of XXXX/XXXX/2016 I do n't have homeowners insurance and it is because Bancrop South did n't pay the insurance company when I submitted the documents. I was told by XXXX XXXX that they will also contact Bancrop South also. Well I do n't know what happen but I talked with the Insurance Department of Bancrop South and that was weeks ago and I have n't heard from anyone. As a customer of Bancrop South I was never given the opportunities to lower interest rates, I was denied a loan to refinance my home to get a lower interest rate and never notified of how thing work with escrow. I 'm a first time homeowner and I was never educated on how escrow works.
10/23/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MS
  • 394XX
Web
I was a customer at Bancorp South. My checking account came with fees and thats understandable. I had maybe.XXXX cents in my account when the bank assessed a fee of {$10.00} for my monthly fee which through my account in the negative. Then the bank charged me a countinuous overdraft fee of {$36.00} beacuse when they assessed the {$10.00} fee it through my account in the negative. Then the bank assessed a fee of {$5.00} because i had the XXXX XXXX card and it came with a yearly {$5.00} fee. They then closed my account after 30 days because of the negative status. Now the bank has turned me in to the XXXX company as if i was writing bad check or something. And then they sent me to a debt collector saying i owe them XXXX something dollar.
12/19/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
Web Servicemember
My father XXXX XXXX and the mortgage on our home is in his name. After his passing, I had some difficulties in maintaining the payments on a regular basis, but managed to get caught up. XXXX has repeatedly harassed me, although I asked them to cease and desist communications with me. I am currently only behind by one payment, yet they are threatening me with foreclosure and bombarding me with mail and phone calls. I have attached two letters received in the same day from them below on this page. I have received many more letters and numerous phone calls. If necessary, I can go back in my records and produce those as well. XXXX has caused me great XXXX XXXX and made matters worse, as I am still dealing with the XXXX of my father.
01/02/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • TX
  • 761XX
Web
Bancorp South Mortgage upgraded its computer system and forced all customers to re-register their account. I need to change the direct debit account on my mortgage because I changed banks for my checking account. I called the bank/servicer to ask for assistance and they said to log-in and do it online. When I try to register the online account, it says I must click the verify link in a confirmation email. The email never arrives ( I have checked the junk and spam folders ). I have attempted this numerous times and I am unable to access my account and customer service wo n't otherwise assist with changing the account. If they try to continue drafting from the current account, it will overdraft and I ca n't stop it. Please help.
08/26/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NY
  • 100XX
Web
I think it is unfair that banks can force you to forfeit your interest when you are closing your account. BancorpSouth charges a {$6.00} fee to send you a check to close your account. Therefore, I brought my balance down to {$0.00} myself on XXXX, then closed the account. The interest it earned was forfeited to BancorpSouth on XX/XX/16 through a DDA charge because the amount was less than {$6.00}. They claimed they could not electronically transfer the interest to my funding account. I think that is unfair that you either pay a fee to them to close the account or forfeit your interest earned because it is less than {$6.00}. An electronic transfer costs the bank next to nothing.
02/04/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
Web
I financed my new home with Bancorp South in XX/XX/XXXX. I made my XX/XX/XXXX payment on time, then the next week received a letter from XXXX that they were taking over the loan servicing and that I actually owed XXXX the XXXX payment. Bancorp South was supposed to transfer my mortgage to XXXX, and they were supposed to forward the XXXX payment to XXXX. After multiple phone calls, XXXX has not received my payment even after Bancorp South promised they were cutting a check to send the XXXX payment to XXXX. Bancorp South also shows that I owe them a XX/XX/XXXX payment even though they were supposed to already have transferred my mortgage to XXXX.
08/05/2016 Yes
  • Credit card
  • Credit card protection / Debt protection
  • TN
  • 380XX
Web
I have disputed an alleged outstanding debt that is held by Bancorp South on several occasions, per my rights as stated by the FCRA. Bancorp South has failed to provide me with support for the debt that they allege that I owe, including a calculation of my balance from the origination of the said debt to the present time. Instead of providing me with this documentation, they have harassed myself, my family members, etc. They have called us pretending to be the US Postal Service, etc in order to obtain or address. They have also filed a civil suit to collect the debt, rather than provide us with proof of the debt.
04/17/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 368XX
Web
I have been working with corporate customer service with BancorpSouth during XX/XX/XXXX and XX/XX/XXXX. They refuse to follow guidelines clearly outlined in the FHA handbook regarding our FHA loan. BancorpSouth refuses to follow guidelines from the FHA handbook on our mortgage. Page 591 of the FHA Handbook 4000.1 allows banks to drop the PMI premium at the borrower 's request. We have requested this a number of times but BancorpSouth reports that if they do it for us they'd have to " do it for everyone. '' I spoke with a number of people up there including XXXX XXXX who is their customer service manager.
09/19/2019 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AR
Web Older American, Servicemember
I had XXXX XXXX dollars taken from my savings account front my bank and I didnt receive a bank statement for almost 4 months notifying me of the withdrawal after contacting them they said my son withdrew the money witch was impossible because he didnt know about the account or know the account number it was bankcorp south in XXXX ar.XXXX they also know that my son didnt take the money out of my account and whenever its brought up they play like it really happened? and are very defensive and it good liars
07/19/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • MS
  • 390XX
Web
My mortgage loan with Bancorpsouth in MS may have been subject to discriminatory financing. Although our mortgage was approved, the final loan had a higher interest rate and PMI than originally estimated. The interest rate and PMI used in the good faith etimate was 1 % lower than our " lock '' rate and the Final PMI was {$110.00} more. Even their our LTV was only about 82 % we are paying extremely high mortgage interest. I am asking for an immediate refinance to explore other loan products.
07/22/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MS
Web
On XXXX XXXX we received a letter from BancorpSouth stating that our loan will mature on XXXX and that they will not renew the loan. They are requesting payment in full for the balance of the loan by XXXX ( {$150000.00} ). We would not be able to do this. Our copy of the loan shows the maturity date to be XXXX and the loan number on our copy is difference from the XXXX on the letter we received. This loan is for XXXX commercial buildings in XXXX, XXXX XXXX
02/15/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MO
  • 631XX
Web
I requested Bancorp South close my checking account and was specific that if there was an early closure fee, to notify me first before closing it. After several communications with them prior to this request, not once was an " official check fee '' mentioned. I would have transferred the funds to XXXX before closing had there been a fee, and I specifically requested to be notified in the event there were fees to close. I want my {$6.00} refunded to me.
05/16/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
Web
I show a escrow account with a negative balance. I do not believe I authorized the creation of an escrow account. I have tried to contact the company to inquire about this issue through their online portal ( no response within stated 24-48 timeframe ) and via email ( received automated response that my gmail account was not trusted ). Without the ability to receive a documented response from the company, I am seeking assistance from your office.
03/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
Web
I have a bank account, line of credit, and credit card had been open in my name that are all fraudulent with BancorpSouth. Bank account have a balance of {$370.00}, Line of Credit have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted XXXX and XXXX about this issue and have received the same inaccurate results.
04/23/2015 Yes
  • Credit card
  • Billing disputes
  • MS
Web
Hello, Please see the attached document for your review. I am filing a complaint regarding merchant, XXXX XXXX in the amount of {$990.00} charged to my XXXX on XXXX XXXX, 2014, under services not rendered as described. Thank you, XXXX XXXX
04/20/2015 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • MS
Web
Hello, I am disputing the charge of {$1000.00} charged on XXXX XXXX, 2014 by merchant XXXX XXXX with my bank ( Bancorp South ). For detailed information please refer to the attached document. Best Regards, XXXX XXXX
04/23/2015 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • MS
Web
Hello, Please find enclosed, documents for your review. I am filing a complaint against Bancorpsouth regarding the merchant XXXX XXXX in the amount of {$4900.00} filed on XXXX XXXX, 2014. Thank you, XXXX XXXX
04/20/2015 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • MO
  • 39073
Web
Hello, I am trying to resolve an issue with Bancorp South regarding a charge filed on 2014 by XXXX XXXX XX/XX/ in the amount of {$400.00}. For detailed explanation, please refer to attached letter.
04/20/2015 Yes
  • Credit card
  • Other
  • MS
Web
Hello, I am trying to resolve an issue with a charge from XXXX XXXX in the amount of {$990.00} for services not as described, details enclosed for your review. ThanksXXXX XXXX
03/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 773XX
Web
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
04/02/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • MS
Web Servicemember
BancorpSouth charged a debit to my account that I did not authorize. I was charged a {$36.00} Insufficient fund fee from BancorpSouth for this.
09/16/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 38135
Web
09/13/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 32526
Web
09/13/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 75092
Referral
08/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77479
Web
08/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • MS
  • 39465
Phone
08/19/2021 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • LA
  • 70508
Referral
08/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Fraud or scam
  • TN
  • 37027
Web
07/13/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
Referral
07/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 787XX
Phone
07/09/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 754XX
Referral
07/09/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MS
  • 389XX
Phone
06/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CT
  • 064XX
Phone
05/29/2021 Yes
  • Checking or savings account
  • Checking account
  • 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
  • MS
  • 39157
Web
05/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
  • 35810
Referral
04/23/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 75056
Phone Servicemember
04/09/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MS
  • 389XX
Phone
03/11/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • CA
  • 94607
Web
03/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • TX
  • 754XX
Referral
02/16/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MS
  • 395XX
Web Servicemember
02/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • LA
  • 71118
Referral
01/08/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • AR
  • 720XX
Referral
12/21/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AL
  • 35205
Web Older American
10/02/2020 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • AR
  • 72078
Phone
09/15/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • LA
  • 71118
Web Older American
07/27/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 77339
Referral
07/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • AL
  • 36701
Web
07/13/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • MS
  • 39202
Phone
05/08/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • TN
  • 37064
Referral
04/23/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MS
  • 39170
Referral
04/09/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MS
  • 38654
Referral
04/03/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 787XX
Web
02/25/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
Phone
02/03/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • LA
  • 71106
Web
12/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • NV
  • 89014
Referral
12/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • TX
  • 75650
Phone
09/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 75115
Phone
09/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TN
  • 381XX
Phone Servicemember
09/11/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • MS
  • 38618
Phone
09/03/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • TN
  • 38135
Referral
09/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • TX
  • 76550
Referral
08/12/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • TN
  • 38135
Referral
08/01/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
Phone
07/30/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • MO
  • 65807
Referral
07/02/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 38002
Referral
05/29/2019 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AL
  • 35404
Web
05/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • AR
  • 72823
Referral
05/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 71203
Web Older American
04/05/2019 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AR
  • 724XX
Web Servicemember
04/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • LA
  • 71220
Phone
04/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
03/12/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • MS
  • 386XX
Web
02/06/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MS
  • 39401
Web Servicemember
01/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 38134
Web
12/03/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • LA
  • 71291
Referral
11/17/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • LA
  • 71111
Web
10/30/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 755XX
Web
09/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MS
  • 387XX
Web Older American
09/01/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • MS
  • 397XX
Web
07/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AR
  • 71730
Web
07/05/2018 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 900XX
Web Servicemember
05/18/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • LA
  • 71111
Referral
05/11/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TN
  • 37613
Referral
05/07/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • MS
  • 38676
Referral
05/04/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TN
  • 38107
Referral
05/03/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • MS
  • 39564
Referral
12/12/2017 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Fee problem
  • TN
  • 380XX
Web
11/28/2017 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • MS
  • 397XX
Web
11/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MS
  • 39532
Referral
10/23/2017 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • MS
  • 388XX
Fax
09/12/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • OK
  • 73026
Phone Servicemember
08/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 70791
Postal mail
07/27/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 75571
Referral
07/18/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
  • 71106
Web Older American, Servicemember
06/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • MS
  • 38671
Referral
05/10/2017 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Opening an account
  • Confusing or missing disclosures
  • TX
  • 77351
Referral Servicemember
05/03/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 38173
Web Servicemember
03/02/2017 Yes
  • Bank account or service
  • Other bank product/service
  • Problems caused by my funds being low
  • MS
  • 39110
Referral
02/23/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • TN
  • 38016
Phone
02/21/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92595
Referral
02/21/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92595
Referral
02/13/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MS
  • 390XX
Referral
01/20/2017 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • CA
  • 92595
Web
01/18/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MS
  • 38655
Web
01/11/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • FL
  • 32514
Web
01/06/2017 Yes
  • Prepaid card
  • Government benefit payment card
  • Managing, opening, or closing account
  • AL
  • 35094
Phone Older American
01/04/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MS
  • 392XX
Referral
12/12/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • TN
  • 38173
Phone
12/06/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • LA
  • 70791
Postal mail
09/15/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • LA
  • 712XX
Referral
09/15/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MS
  • 39401
Phone
08/31/2016 Yes
  • Consumer Loan
  • Personal line of credit
  • Managing the line of credit
  • TN
  • 38133
Referral
08/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AR
  • 717XX
Referral
08/13/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MS
  • 39301
Web
07/13/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • MS
  • 39759
Phone
07/11/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • AR
  • 718XX
Referral
07/07/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • MS
  • 39339
Phone Servicemember
06/30/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • MS
  • 390XX
Web
06/24/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • TX
  • 756XX
Referral Older American
06/14/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 352XX
Web
05/27/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MS
  • 39648
Web Older American
04/08/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • NV
  • 89149
Referral
03/30/2016 Yes
  • Credit card
  • Delinquent account
  • MS
  • 388XX
Web
02/23/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • TN
  • 372XX
Web
01/15/2016 No
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • MS
  • 393XX
Referral
01/14/2016 No
  • Bank account or service
  • (CD) Certificate of deposit
  • Deposits and withdrawals
  • TX
  • 756XX
Referral
11/19/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • LA
  • 70737
Referral
11/07/2015 Yes
  • Credit card
  • Billing statement
  • MS
  • 38863
Web
10/09/2015 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • MS
  • 39213
Referral Older American
09/19/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MS
  • 388XX
Web Older American
09/09/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • TN
  • 38302
Referral
08/12/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
Web
07/27/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Deposits and withdrawals
  • TX
  • 759XX
Referral
07/09/2015 Yes
  • Bank account or service
  • Cashing a check without an account
  • Deposits and withdrawals
  • FL
  • 336XX
Web
06/11/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • MS
  • 39440
Web
05/14/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • MS
  • 389XX
Referral
05/12/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MS
  • 389XX
Web Older American
04/13/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Deposits and withdrawals
  • MS
  • 386XX
Referral
03/26/2015 Yes
  • Bank account or service
  • Savings account
  • Account opening, closing, or management
  • AR
  • 71754
Referral Servicemember
03/02/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MS
  • 39046
Referral
02/18/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • TX
  • 75604
Referral
12/30/2014 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MS
  • 388XX
Referral
12/10/2014 No
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • MN
  • 55316
Referral
11/21/2014 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • MI
  • 395XX
Referral
11/21/2014 Yes
  • Bank account or service
  • Other bank product/service
  • Problems caused by my funds being low
  • AR
  • 71913
Referral
11/19/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 75901
Referral Servicemember
10/28/2014 Yes
  • Bank account or service
  • Savings account
  • Deposits and withdrawals
  • AL
  • 352XX
Web
10/22/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • MS
  • 397XX
Fax
09/09/2014 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • MS
  • 39404
Web
08/07/2014 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • MS
  • 39211
Referral
07/07/2014 Yes
  • Bank account or service
  • Savings account
  • Deposits and withdrawals
  • TN
  • 38116
Phone
06/02/2014 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MS
  • 39110
Referral
06/01/2014 Yes
  • Mortgage
  • VA mortgage
  • Application, originator, mortgage broker
  • AL
  • 35902
Web Servicemember
05/15/2014 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • TN
  • 383XX
Referral
04/23/2014 Yes
  • Bank account or service
  • Savings account
  • Deposits and withdrawals
  • MS
  • 39702
Referral
03/24/2014 Yes
  • Bank account or service
  • (CD) Certificate of deposit
  • Account opening, closing, or management
  • TX
  • 77515
Postal mail
02/28/2014 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 90046
Web
01/10/2014 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • AR
  • 72354
Referral
12/19/2013 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MO
  • 65803
Referral
12/19/2013 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • AR
  • 717XX
Web
12/04/2013 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • AR
  • 718XX
Phone
11/12/2013 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MS
  • 39209
Web
11/08/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92595
Referral
11/06/2013 Yes
  • Mortgage
  • Other mortgage
  • Credit decision / Underwriting
  • MS
  • 395XX
Web
11/06/2013 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92595
Web Servicemember
10/30/2013 Yes
  • Consumer Loan
  • Personal line of credit
  • Account terms and changes
  • AR
  • 724XX
Referral
10/01/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TN
  • 383XX
Web
09/30/2013 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • MS
  • 395XX
Phone Older American, Servicemember
07/05/2013 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • TX
  • 757XX
Web
06/05/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • MN
  • 55407
Referral
05/30/2013 Yes
  • Bank account or service
  • (CD) Certificate of deposit
  • Account opening, closing, or management
  • TN
  • 383XX
Referral
05/30/2013 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • TN
  • 383XX
Referral
04/22/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 21122
Postal mail
03/27/2013 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • TN
  • 38053
Web
02/01/2013 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • MO
  • 657XX
Referral
01/28/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 36801
Fax
01/16/2013 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • TX
  • 759XX
Referral
01/08/2013 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • AR
  • 723XX
Referral
01/04/2013 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • TN
  • 38305
Referral
01/02/2013 Yes
  • Credit card
  • Payoff process
  • MS
  • 386XX
Phone
12/26/2012 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 357XX
Web
10/02/2012 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • TN
  • 38301
Phone Older American
09/12/2012 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MS
  • 388XX
Referral
08/21/2012 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • MS
  • 386XX
Phone Servicemember
08/13/2012 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • MS
  • 39056
Postal mail
06/05/2012 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • TN
  • 38305
Referral
04/09/2012 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • MS
  • 38655
Referral
02/23/2012 No
  • Credit card
  • Collection debt dispute
  • MS
  • 39740
Referral
01/27/2012 No
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 35216
Referral
01/11/2012 No
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • TN
  • 38116
Referral
12/20/2011 No
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MS
  • 397XX
Web