BANCORPSOUTH BANK CFPB Complaints

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 75070	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.
10/06/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 787XX	Web	Servicemember
On XX/XX/XXXX I renewed my mortgage loan with XXXX XXXX in XXXX, Texas. The majority of this renewal was done through email. I was sent the renewal documents which I had motorized and returned in XX/XX/XXXX. As you can see on the documents, the balance of the loan was {$60000.00}. In XX/XX/XXXX I had a text message exchange with XXXX XXXX from XXXX XXXX about missing a payment on the loan. It was also getting closer to the next payment being due as well. The text conversation is about making these 2 payments. I made the 2 payments in XX/XX/XXXX. The documents provided to me by XXXX XXXX clearly shows these 2 payments. I missed the next payment for XXXX XXXX. I made a payment on XX/XX/XXXX. Leaving me 1 payment behind. I made 2 payments in XX/XX/XXXX. I was unaware when making the 2 payments in XX/XX/XXXX and XX/XX/XXXX that the additional payment was not applied to the delinquent payment but to the principal of the loan. Mr XXXX would send me text from time to time letting me know when I needed to make payment or to check the status of making a payment. Covis - 19 begins in XX/XX/XXXX with the shutdown of everything. At this time I know I am 2 payments behind on my mortgage. Mr XXXX begins to push for me to to " revamp '' the loan and move the missed payments to the end of the loan. I have been making the monthly payments at this time but not making any progress on getting the 2 outstanding payments paid. I am being charged over {$200.00} XXXX late fees every month at this time. XXXX 's idea to redo the loan is pushed to me with the fact I would not be paying the additional late fees anymore and the foreclosure process would not be started by XXXX XXXX. This is in the shutdown due to covid19. When I mentioned this to him and the difficulty of earning income his reply was basically, " the is issue began before covid '' I agree to the loan modification in XX/XX/XXXX. When I am emailed the documents to sign I see that the amount to be adjusted {$4100.00}. I am only 2 payments behind at {$2200.00}. I contact XXXX XXXX. I ask about the amount of {$4500.00} and am told I am 4 payments behind. I disagree and ask for a history of payments since the loan was renewed in XX/XX/XXXX. Upon looking at the documents I see the loan balance shows {$79000.00}. Here is the primary reason of my complaint. I signed renewal documents, signed by a notary, and filed with the XXXX county clerk with a balance of {$60000.00}. When I let Mr XXXX know there was an error in the balance shown and what I signed, his response was : XXXX, XXXX, XXXX " Have no idea where you are getting the XXXX number. Your note was renewed on XX/XX/XXXX balance was XXXX Send me a copy of what you are referring to. '' Why he would respond this way was surprising to me. He had the paperwork that was notarized and signed by me on file, and the exact same paperwork filed with the XXXX XXXX clerk. I sent him the documents he ask for. I got this response on XXXX XXXX " Will send this to Real Estate Department they do the renewals. This was not your principal balance at time of renewal per our records. '' I responded : " Where would they come up with that number. And I never saw another closing settlement document in XXXX. So how did that happen without my knowledge? '' XXXX reponse : " No idea but the number is wrong does not match with the amortization schedule '' I respond : " So I am assuming they just went in and changed the amount owed and didnt have a closing settlement document? Maybe the amortization schedule is wrong And I'm still showing that I am only two payments behind according to my payment record from my bank '' I didn't sign the revamp of the loan due to the I correct balance. I don't hear anything from Mr. XXXX so sent him a message XX/XX/XXXX trying to make a payment on the loan. We discuss the difference in how many payments I am behind. I say 2 he says 4. When I ask home to look at XXXX and XX/XX/XXXX and the additional payments I made in those 2 months, the payments being applied to the principal and not the missed payments, I get no reply or feed back to my request. To date Mr XXXX has never responded or commented on these 2 payments. I am being charged late fees every month over {$200.00} but I can't get my loan officer to even acknowledge my request for a review of those two months. I didn't sign the modification. I start making an additional payment with my mortgage payment to get caught up. I get this message from Mr XXXX on XX/XX/XXXX : Mr. XXXX, Will take a look at your loan tomorrow after the payment made today is posted. It will take 4 payments of XXXX to advance the due date an extra month. The extra amount being paid is approx. {$300.00} per month with your regular payment being approx. XXXX it will take some time for the loan to be current. I respond : Can you please look at XX/XX/XXXX and XX/XX/XXXX. I had made 2 payments in those 2 months that were applied to the principal and not the payment that was behind. If you apply them to the payment that were behind, and after today 's {$1500.00}. That would leave me just 1 payment behind. I do not hear from Mr XXXX again until XX/XX/XXXX I am still paying over {$200.00} in late fees every month. When I do hear from Mr XXXX it is to inform me on the delinquency of my loan or that he'll my escrow is behind schedule or about possible foreclosure. All the while I'm making current payments with the additional {$300.00} to try to get caught up on the loan. I don't hear anything about the discrepancy in the balance of the loan or the additional payments I had made to bring the loan current so I don't have to pay the late fees anymore, the ones that I've been paying now for over a year and all because mr. XXXX doesn't want to go back and change the amount paid to the balance to the delinquent payment. A lady named XXXX XXXX was helping me each month with my debit card payments for the loan. She was not allowed to have access to my account, even to possibly help me get those payments changed to the delinquent payment instead of the balance of the loan. Again getting current and having the late fees stopped. Mr XXXX has not provided an response to the the discrepancy in the balance I signed on the last disclosure statement to the balanced a show on record he has not provided me with any information in regards to this problem. And I stated before he has never given me any feedback on the two payments. I'm XX/XX/XXXX I finally got caught up. Still no answer to the balance discrepancy. And no reply from Mr XXXX about the two payments being applied the proper way to stop the late fees. However he did contact me several times about redoing the loan again. My assumption is that by renewing the loan he could get the balance back to where he thought it should be and there no longer being a discrepancy in what I signed and what the bank has as the balance. I see this as fraudulent and deceptive. I believe Mr XXXX knew of the balance issue, the disclosure statement I signed and had notarized is available to him at his bank location when I brought up the issue. He wanted to get me to redo the loan so he could eliminate the discrepancy without me ever knowing there was one. which is why he would not go and review the two payments so he could pressure me to redo the loan with the assumption that I was 4 payments behind instead of 2 and he could threaten foreclosure and escrow issues which he did. And doing so when the country is going to the covid-19 pandemic and I being self-employed was drastically affected by the shutdown XXXX XXXX was acquired by Bancorp South recently. There still is a balance issue And the issue of having to pay late fees on an account that wasn't past due 4 payments but for 2 payments. I have text messages exchanged between me and Mr XXXX along with emails. I am attaching a copy of the paperwork that I had notarized and is on file at the bank and at the XXXX county clerk 's office. And the payment history provided to me by Mr XXXX. I can provide copies of all the text message exchange and email exchange between Mr XXXX and I upon request.
07/25/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	TX 75071	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 75070	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 38863	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 35758	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 38654	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 70506	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 355XX	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 391XX	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 43224	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 724XX	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 XXXXX	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 38801	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 38128	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 39503	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.
09/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 38135	Web
BancorpSouth Mortgage Is Breaking Federal Rules My payments have not been credited correctly in a timelymanorand I have not receivedmy last statement. Even though I alwayspay waymore than enough, It always shows that my account is overdue. Someone called me and said they would freeze my mortgage account if I kept paying partial payments, ( even though I pay more than half due twice per month and I always have more than enough to cover my mortagage payment on the date due ). Example : {$900.00} mortgage bill, I would pay {$500.00} the month before it was due on the 1st, then pay {$500.00} the month before on the XXXX. Totaling to {$1000.00}, 15 days before my bill is acutally due ( {$100.00} over what I owe ) I told her I need to know more information because I am paying way more than what I owe and that I've never had a late payment. I explained that she needs to outline in my contract where it says I can not pay this way and she said that the contract does not specify that but if i continue to make payments like this, that i will acquire late fees and blows to my credit score that will not be reversable. She also said she would send a letter to me and have her manager call me. I have received neither of those and then they froze my account. I called again and the manager told me she would unfreeze my account as long as I make payments in full then send in another payment for any extra that I want to pay. I agreed even though they are breaking federal rules.
05/16/2016	Yes	Bank account or service Checking account	Using a debit or ATM card	MS 391XX	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 388XX	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 XXXXX	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	XXXXX	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 71291	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.
10/06/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	AR 71901	Web	Older American
BancorpSouth is denying refund of {$2500.00}. Due to the impersonation of an XXXX customer assistant telling XXXX XXXX that he must transfer funds from his BancorpSouth accounts to XXXX, he did so but when this criminal said he must have a copy of XXXX drivers license, XXXX told him this must be a scam and the bank will be notified then XXXX disconnected the phone. XXXX immediately called the BancorpSouth info line to report the scam : He reported what had taken place and the BancorpSouth person said the funds were still there and that the same thing had happened to her and that her money was recovered. When XXXX followed up in person with the bank the next business day which was a Monday, the bank said the funds were gone and they had him give an affidavit to a bank rep by phone. The bank has denied the claim of fraud stating that XXXX gave his permission to transfer funds to zell. The XXXX impersonator repeatedly told XXXX that this method of transfer was required in order for him to do business on XXXX.
10/15/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	MS 39465	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 36526	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 787XX	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 38305	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 37207	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 XXXXX	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 39212	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 39401	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 711XX	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 76132	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 10009	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 787XX	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 38018	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 36801	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 724XX	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 39056	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 388XX	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 63114	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 750XX	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 XXXXX	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 390XX	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 390XX	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 390XX	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 390XX	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 390XX	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 XXXXX	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 386XX	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.
12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75207	Web

12/09/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	MI 48504	Phone	Older American, Servicemember

12/03/2021	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX 77414	Web

12/01/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 36608	Web

12/01/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	MO 63701	Web

11/10/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	NY 11713	Referral

10/21/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	MS 39180	Referral

10/18/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report	AL 35405	Phone

10/06/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MD 20850	Referral

10/04/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	TX 76528	Referral

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 78729	Phone

07/09/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75454	Referral

07/09/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MS 38921	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 06469	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 38921	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 75495	Referral

02/16/2021	Yes	Mortgage VA mortgage	Trouble during payment process	MS 39560	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 72072	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 78720	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 38101	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 72437	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 38680	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 75551	Web

09/16/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MS 38754	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 39705	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 90044	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 38060	Web

11/28/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	MS 39701	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 38824	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 39073	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 39272	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 71269	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 71701	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 71801	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 39073	Web

06/24/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 75670	Referral	Older American

06/14/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AL 35243	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 38826	Web

02/23/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TN 37208	Web

01/15/2016	No	Bank account or service Other bank product/service	Account opening, closing, or management	MS 39341	Referral

01/14/2016	No	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	TX 75603	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 38866	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	XXXXX	Web

07/27/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	TX 75964	Referral

07/09/2015	Yes	Bank account or service Cashing a check without an account	Deposits and withdrawals	FL 33610	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 38961	Referral

05/12/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	MS 38961	Web	Older American

04/13/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	MS 38620	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 38843	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 39540	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 35212	Web

10/22/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MS 39701	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 38355	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 71701	Web

12/04/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	AR 71822	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 39530	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 72401	Referral

10/01/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 38315	Web

09/30/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	MS 39531	Phone	Older American, Servicemember

07/05/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 75785	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 38343	Referral

05/30/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	TN 38343	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 65757	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 75925	Referral

01/08/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	AR 72370	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 38651	Phone

12/26/2012	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	AL 35747	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 38866	Referral

08/21/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	MS 38668	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 39746	Web