| 08/25/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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Dear Sir/Madam of the Consumer Financial Protection Bureau XXXX XXXX XX/XX/XXXX, I fell victim to a multilayered operation orchestrated by XXXX XXXX XXXX and a scammer called XXXX XXXX XXXX the Company ) and lost XXXX USD of my hard-earned funds. I advised Bank of the West of this fact on XX/XX/XXXX and I havent received any satisfactory response so far. Their sophisticated, manipulative, aggressive emotionally/psychologically driven sales tactics specifically tuned in to my personal circumstances was a deliberate and vicious financial crime on me as a vulnerable and unsuspecting individual. I also understand now that there is a multimillion-pound industry out there with such Company operating to effectively steal people 's money using these tactics. Bank of the West had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices ( GIP ) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm. Since XX/XX/XXXX, I have been attempting to resolve this matter with Bank of the West, but they have failed to settle this matter satisfactorily. I have been dealing with Bank of the West in good faith and am deeply disappointed in how they have handled this matter thus far.
find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates their principles, which call me to defend my rights. This is poorly thought out and vaguely defined nonsense. I doubt they care however since nonsense is what renders unscrupulous businesses financially successful.
Accordingly, I respectfully insist that Bank of the West covers all overdrafts ( XXXX USD ) on the account. This is fair and reasonable given I was given no appropriate warning about the possibility of a scam. I have been a loyal customer of Bank of the West and have never had any difficulties of this kind before.
FURTHER POINTS FOR CONSIDERATION Despite the regulatory and statutory requirements Bank of the West shall abide by as a licensed and regulated financial institution, instead of detecting patterns, drawing certain conclusions, and taking actions accordingly, Bank of the West may have insufficiently performed some hasty and haphazard review of the transaction ( s ) regarding the suspicious activities, but it seems that rather than being careful, methodical, and vigilant, they took no notice of what was happening.
Please be noted that I will not in any way quietly tolerate the consequences of Bank of the West actions ( or more precisely, the lack thereof ). It is perfectly obvious that they could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and could have entirely prevented this disastrous outcome.
As previously advised, they should have known, suspected, or had reason to suspect that the transactions ( or pattern of transactions ) : involve funds the ultimate purpose of which was to fuel an illegal enterprise ; is intended to disguise funds the ultimate purpose of which was to fuel an illegal enterprise, in an attempt to avoid and thus violate regulations ; is intentionally designed to defraud your customer ; serves no legitimate or lawful purpose ; and involve the use of your services to facilitate criminal activity.
There are so many other ways in which measures related to fraud prevention and mitigation could have been useful. Further factors that should have been taken into consideration include, but are not limited to, the following : The timing, volume, frequency, and nature of the transactions in question ; The abnormality of such transactions against the background of your experience with me as a customer and other entities associated with the transactions ( if any ) ; The suspicious nature of such transactions based on my overall risk profile including vulnerability and identification and research of high-risk services/products ; Systemic filtering mechanisms, whether manual or automatic, for the identification of unusual activities ; and Periodic evaluation of the usefulness, appropriateness and effectiveness of anti-fraud programs, and other associated policies and procedures.
There are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse ; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm.
These recommendations are established as a general principle, the organization should deliver a service that : 1 ) Takes a proactive approach to minimizing risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organization : A ) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts : a. multiple cheque books; b. sudden increased spending ; c. transfers to other accounts ; d. multiple password attempts ; e. logins from new devices, multiple geographical locations ; f. sudden changes to the operation of the account ; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.
g. a withdrawal or payment for a large amount ; h. a payment or series of payments to a new payee ; i. financial activity that matches a known method of fraud or financial abuse.
B ) organizations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action.
Bank of the West could have done more at the time of the payment to warn me of the risks of scams Taking steps to educate their customers about scams Taking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams Providing effective warnings to customers if the bank identifies a scam risk Taking extra steps to protect customers who might be vulnerable to scams Talking to customers about payments and even delaying or stopping payments where there are scam concerns Acting quickly when a scam is reported to it Taking steps to stop fraudsters from opening bank accounts Banks and other Payment Services Providers ( PSPs ) do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. In broad terms, the starting position at law is that a firm is expected to process payments and withdrawals that a customer authorises it to make, in accordance with the Payment Services Regulations and the terms and conditions of the customers account.
But, where the consumer made the payment as a consequence of the actions of a fraudster, it may sometimes be fair and reasonable for the bank to reimburse the consumer even though they authorised the payment.
Bank of the West could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact had made me question what I was doing. The treatment from Bank of the West is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.
Although it was not Bank of the West that scammed me, they had many obligations to protect my Financial Interest- which they did not uphold if you take a quick look at the bank statements you will realise how the transactions were absolutely out of the usual pattern, there was suddenly increased spending, multiple transfers on a single day, payments for considerably large amounts, series of payments to a new payee and of course financial activity that matched a known method of fraud or financial abuse.
All of the above points were not considered by Bank of the West when I was victimised, and no actions were taken to prevent that victimisation. Of course, I appreciate that they might want to act in good faith and uphold my requests to transfer these payments but the code sets out that organisations should have a process in place, to ensure that ( i ) staff make contact with the customer to verify the financial activity, ( ii ) challenge its authenticity, ( iii ) explain the nature of the suspected or detected fraud and ( iv ) discuss an appropriate plan of action.
Anti-Money Laundering Requirements for Financial Institutions and Other Designated Businesses 3.1 What financial institutions and other businesses are subject to anti-money laundering requirements? Describe which professional activities are subject to such requirements and the obligations of the financial institutions and other businesses. The following are subject to the requirement to maintain risk-based AML Programs XXXX Banks, including savings associations, trust companies, credit unions, branches and subsidiaries of foreign banks in the United States XXXX and Edge corporations.
Broker-dealers in securities.
Mutual funds.
Futures Commission Merchants and Introducing Brokers in Commodities.
Money Services Businesses 3.4 What are the requirements for recordkeeping or reporting large currency transactions? When must reports be filed and at what thresholds?
Currency Transaction Reporting Financial institutions ( defined as financial institutions under the BSA regulations ) must file CTRs with FinCEN on all transactions in ( physical ) currency in excess of {$10000.00} ( or the foreign equivalent ) conducted by, though, or to the financial institution, by or on behalf of the same person, on the same day. 31C.F.R. 1010.310315.
It is prohibited to structure transactions to cause a financial institution not to file a CTR or to file an inaccurate CTR by breaking down transactions into smaller amounts at one or more financial institutions over one or more days. 31 C.F.R. 1010.314.
Customer Due Diligence Pursuant to regulatory requirements, which became effective XX/XX/XXXX, as part of their AML Programs, certain financial institutions ( banks, broker-dealers, mutual funds, FCMs and IB-Cs ) must implement formal risk-based CDD programs that include certain minimum elements, including customer identification and verification ( under a Customer Identification Program ), obtaining information about the nature and purpose of a customers account, ongoing monitoring of customer accounts, obtaining beneficial ownership information at a 25 % threshold for legal entity customers and identifying a control person for legal entity customers ( with certain exceptions ).
There also is a specific BSA requirement to maintain CDD programs for non-U.S. persons private banking accounts and foreign correspondent accounts. The same covered financial institutions as for CDD programs ( banks, broker-dealers, mutual funds, FCMs and IB-Cs ) must maintain a CDD program for non-U.S. private banking accounts established on behalf of, or for the benefit of, a non-U.S. person and foreign correspondent customers and an enhanced due diligence ( EDD ) program for those relationships posing a higher risk. These programs must be designed to detect and report suspicious activity with certain minimum standards. These requirements are based on Section 312 of the PATRIOT Act and are often referred to as Section 312 requirements. 31 C.F.R. 1010.610 ( due diligence for foreign correspondent accounts ), 1010.620 ( due diligence for private banking for non-U.S. persons ).
3.9 What is the criteria for reporting suspicious activity?
Financial institutions and other businesses subject to the AML Program requirement ( except Check Cashers, Operators of Credit Card Systems, and Dealers in Precious Metals, Precious Stones, or Jewels ) are required to file SARs with FinCEN under the BSA ( and for banks, under parallel requirements of their federal functional regulators ). SARs are required where the filer knows, suspects, or has reason to suspect a transaction conducted or attempted by, at or through the financial institution : involves money laundering ; is designed to evade any BSA regulation or requirement ; has no business or apparent lawful purpose or is not the sort in which a particular customer would engage ; or involves the use of the financial institution to facilitate criminal activity or involves any known or suspected violation of federal criminal law.
See, e.g., 31 C.F.R. 1023.320 ( c ) ( SAR requirements for broker-dealers ). Generally, the reporting threshold is {$5000.00} or more. For banks, if the suspect is unknown, it is {$25000.00} or more. For MSBs, generally, it is {$2000.00} or more.
In summary, I respectfully request Consumer Financial Protection Bureau to review my points above, given your influence and obligations to provide : The duty of care they owe me as my bank.
The position I hold as loyal customer and their own intellectual knowledge, which has been overlooked in this case ; to be applied in a professional manner being justified as part of their banking services to their customers.
They should have noticed it in my transaction history that I have not done any transaction nor released such a large amount of money in foreign currency since I became their customer.
Desired outcome : Bank of the West has to put things into the right perspective for me by reversing the total amount of XXXX USD paid to scammers as I have suffered a great loss because of this fraud, it had affected me personally, emotionally and financially.
Yours sincerely, XXXX XXXX XXXX
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| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Original copy emailed to the following individuals on XX/XX/XXXX To : XXXX - XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank of the West XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Forbearance Application and Complaints ( Loan # XXXX, XXXX, XXXX ) URGENT - TOP PRIORITIES!
Hello ~ Based on our initial research and documentation, heres a chronological order of what had transpired and followed by our exposition of XXXXXXXX practices of engaging in delay tactics to delay our application with an intent to inflict maximum damages first by way of reporting derogatory entries on our credit reports and then followed by pre-meditated foreclosures on all the properties we had built for our golden nest.
Here is the order of events : Pre XX/XX/XXXX, ( circa one to two weeks prior to XX/XX/XXXX ) approximately one to two weeks prior to the approaching expiration of the forbearance, XXXX had called several times into XXXX to request for loan workout ( WO ) packets and to request the forbearance amounts to be pushed towards the end of the loan terms.
XX/XX/XXXX Expiration date of the loan forbearance.
XX/XX/XXXX Finally received WO packets from XXXXXXXX a day or two prior to XX/XX/XXXX. And XXXX immediately completed all application forms and supporting documents and mailed them via USPS on XX/XX/XXXX.
XX/XX/XXXX Failing to receive any acknowledgment from XXXX/XXXX and due to the delay of XXXX in handling our case, we decided to email the WO packets to XXXX/XXXX on XX/XX/XXXX as well. But we have reason to believe that USPS had already delivered our completed WO packets to XXXX prior to XX/XX/XXXX.
XX/XX/XXXX XXXX emailed XXXX asking her to request the completed WO packets from us. In all fairness, XXXX should have already received the WO packets from us that were mailed by USPS on XX/XX/XXXX and again via our email dated XX/XX/XXXX above. Additionally, XXXX can easily email us directly if they have not received our WO application. This is evidence that XXXX 's internal communication breakdown, the left-hand does not know what the right hand is doing or simply playing delaying tactics to wait till the default date of XX/XX/XXXX to roll around and to readily foreclose on all our properties.
XX/XX/XXXX XXXX called XXXX and XXXX emailed her that all WO documents have been emailed. And she will follow up on this.
XX/XX/XXXX XXXX emailed additional information, viz. lease agreements, XXXX statements, etc. to XXXX.
XX/XX/XXXX XXXX XXXX acknowledged receipt of our application ( see XX/XX/XXXX below ) but never called us nor emailed us even though he already has XXXX email address on XX/XX/XXXX above.
XX/XX/XXXX XXXX emailed XXXX they couldnt open the PDF attachments. But XXXX in a telephone conversation on XX/XX/XXXX with us acknowledged that she received the attachments and was able to open them. We also opened up that email and were also able to open the PDFs on XX/XX/XXXX. XXXX in a later email claimed internal firewall issues. But XXXX was able to open our documents and XXXX couldnt and instead blamed it on the firewall!
XX/XX/XXXX XXXX XXXX XXXX supervisor/officer, emailed XXXX acknowledging receipt of our WO application/documents on XX/XX/XXXX ( 15 days after we mailed/emailed our applications to XXXX ). XXXX claimed that he spoke to us to advise us of missing documents and never heard from us since. On searching our records, XXXX did not email us ( nor call us ) to request the missing documents such as lease agreements, XXXX statements, etc. Please see XX/XX/XXXX above. On XX/XX/XXXX, XXXX requested additional documentation on lease agreements, XXXX statements, etc. in his email dated XX/XX/XXXX which XXXX already emailed two days prior on XX/XX/XXXX.
XX/XX/XXXX XXXX called and spoke to XXXX and XXXX assured her that we have already emailed the completed WO packets plus additional documents to XXXX. And XXXX asked her to ask XXXX if there is anything else they need in order to process our application. Due to XXXX/XXXX delays, our application is being delayed for about a month from the XX/XX/XXXX date.
XX/XX/XXXX - XXXX emailed XXXX relaying to XXXX that we have already emailed all required WO packets plus subsequently requested documents XXXX. lease agreement, XXXX statements, etc. to XXXX and to inquire what else was missing.
XX/XX/XXXX XXXX emailed XXXX regarding requesting additional information viz. lease agreement, XXXX statements, etc. again. This additional information has already been emailed on XX/XX/XXXX, see above. By now, there is a 45-day delay in processing our application which we have timely submitted on XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX by emails collectively.
XX/XX/XXXX XXXX called us regarding XXXX 's request for additional information viz. lease agreement, XXXX statements, etc., and was told that they have been previously emailed to XXXX already. And she emailed XXXX regarding the same. Thereafter, XXXXXXXX was miraculously able to open all the attachments.
XX/XX/XXXX till now Because XXXXXXXX handling our WO application, XXXX & XXXX begin to experience sleepless nights and mental effects.
XX/XX/XXXX XXXX & XXXX emailed XXXX and XXXX XXXX complaining about the conduct of XXXX on overcharging us the default amounts on the NODs. As of to-date, the default amounts were not corrected. In that email, XXXX & XXXX also detailed receiving a series of threats on foreclosures, defaults, and derogatory credit reporting received from XXXXXXXX on a daily basis in the form of regular mails as well as registered mails. XXXX & XXXX also explained how XXXXXXXX exercising delay tactics thus causing our accounts to be in default positions so as to promptly foreclose on all three properties to the benefit of XXXX. This is unethical and un-American!
XX/XX/XXXX XXXX responded with corrected default amounts via emails but the NOD letter amounts are still incorrect as of to date. Further, XXXX stated Loss Mitigation ( LM ) will take 30-day to process our application but the NOD due date is slated for XX/XX/XXXX. Our WO applications are doomed to failure due to the failures of XXXX not promptly engaging in direct communication with us. Instead, XXXXXXXX chose the beat-around-the-bush approach ( delaying tactics ) by communicating with a party other than us and purposefully delayed our application even though we have started calling XXXX two weeks prior to the expiration of our forbearance date of XX/XX/XXXX.
XX/XX/XXXX XXXX & XXXX provided a chronological account of this case and requested to resolve this matter for mutual benefits.
In Summary Based on the chronological account above, XXXXXXXX XXXX malicious intent is clear.
Our forbearance expired on XX/XX/XXXX. We contacted XXXXXXXX prior to the expiration date and immediately submitted WO applications to XXXXXXXX on XX/XX/XXXX. If it was not due to XXXXXXXX delay in sending us the WO packets, we would have submitted our WO prior to XX/XX/XXXX.
While our WO packets are in XXXX XXXX already mailed out XXXX via regular mails and registered mails and reported derogatory remarks on our credit reports ( which XXXXXXXX denied ) and was already preparing for foreclosures!
Is it not customary in the banking world that if someone is in a WO situation, he is not and can not be considered in default and his credit reports can not and should not be tarnished? And XXXX should be on hold until the clients did not pursue WO and did not pay up?
XXXXXXXX is aware that LM will take 30 days to process our applications! The XXXX due date to cure is XX/XX/XXXX ; LM would not be able to turn around till XX/XX/XXXX or later, by which time all our properties would conveniently be foreclosed! With XXXX dragging his feet for up to 45 days, no one would get his WO approved even if they submit their WO application on the first day as soon as the forbearance is due! These procedural defects whether it is by accident or by design are not acceptable.
XXXXXXXX has acted in bad faith from the get-go! XXXXXXXX has no intention to work out with us or any other clients who have had forbearances. Instead, they are taking this opportunity to foreclose on our properties and many others for selfish gain! We have reasons to believe that if it has not been for XXXX intervention on our behalf, our WO packets would have been shelved and would have been eventually denied.
What we want : 1. XXXX to correct the default amounts on the XXXX.
2. XXXX to remove all inspections fees. XXXX 's delays in processing our WO application due to their internal communication breakdown are no fault of us.
3. XXXX to immediately remove all derogatory remarks on our credit reports and show proofs thereof.
4. XXXX to postpone/extend the NOD dates of XX/XX/XXXX on all three loans indefinitely until we have received the response from LM and have a fair chance to dispute/appeal them if applicable.
5. XXXX/XXXX to demonstrate good faith in processing our WO packets.
6. XXXX/XXXX to immediately stop/rescind all threats of foreclosures, legal threats, etc. These conducts are punitive and with a clear intent to inflict maximum mental damage to us and have already affected our mental states, sleep, and peaceful rest. While most Americans are going through difficult times during these covid periods, the Biden Administration is trying hard to help law-abiding citizens like us by way of forbearance ; businesses and private individuals alike will lend a helping hand ; XXXX/XXXX on the contrary is engaging in unethical, un-American and predatory trade practices on Americans who are applying for additional WO with the bank. We have reasons to believe that XXXXXXXX has every intent to abandon its customers under the bus so as to benefit from those who are unable to stand up to the unlawful conduct of XXXX/XXXX.
7. XXXX to push all forbearance amounts to the end of the loan terms.
8. XXXX to reduce/modify our mortgage rate since the interest rates have already fallen to an all-time low, there is no reason why XXXX continues to charge us such high mortgage rates.
In this XXXX season, XXXX and I have much to be thankful for. We are thankful for partnering with XXXX in financing the acquisition of our properties ; we are thankful for the Biden Administration in providing forbearance a vehicle where we can get some much-needed assistance ; we are thankful for the good SamaritanXXXX XXXX we are thankful for our loved ones and much more.. until XXXX gets into the picture. It all changes when XXXX gets into our lives in handling our WO applications. It has begun to tarnish the good image of XXXX and we wonder why! In this XXXX season, we have devoted an enormous amount of time, energy, and resources to expose the wrongdoings of XXXX and we will continue to do so until we received fair and just treatment from XXXX.
It is our current intent to continue to work with XXXXXXXX without involving outside professionals. We are hoping there is no need to pursue other options.
Feel free to reach out to me at XXXX Please do not leave any messages on my home phone, we do not check messages there.
Sincerely, Signed XXXX XXXX XXXX XXXX Privilege Connect customers Banked with XXXX for over 33 long years!
Cell : XXXX p.s. XXXX checked his credit report on XX/XX/XXXX ( about 5 months later ) and to his surprise, Bank of the West still has not removed the late payment notices on their credit reports. This has inadvertently created a negative impact on their credit reports. XXXX ( XXXX ) has previously asked XXXX to remove those remarks to no avail.
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| 11/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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An appraisal for a potential refinance ( Bank of the West is my current lender and approached me about a potential refinance which I have pursued in order to further renovate my home ) was completed within the past 30-days. The appraisal was clearly not up to appraisal standards and despite numerous emails, Bank of the West failed to ( i ) simply address the numerous flaws in the appraisal that I noted/questioned and/or ( ii ) provide an explanation for why the appraisal is acceptable under the governing appraisal standards. Below is the most recent email I sent to the company to show what needs to addressed.
Given the back and forth, I thought I would put in one concise email the specific items/issues that remain open without a response. Please see the items below that I am again requesting be addressed. I do not simply disagree with the appraised value, as is being asserted in the responses provided. I disagree with the comparable sales chosen and the adjustments made in the appraisal, and believe that the appraisal completed by Mr. XXXX does not meet the standards for an acceptable appraisal under the XXXX. Please find the matters below that need to be addressed immediately : 1. Appraiser lack of knowledge of area : a. Mr. XXXX was not an appropriate choice as an appraiser for a home located outside XXXX XXXX County. As shown on his website [ XXXX ], Mr. XXXX is an expert in XXXX XXXX County and resides/works approximately 30-40 miles east of XXXX. By this fact, the appraisal does not meet # 11 of the Appraisers Certification found on page 5 of the appraisal. Mr. XXXX comparable sales failed to meet the standards for a market area or neighborhood in XXXX XXXX XXXX 4 : Identifying Comparable Properties.
b. Mr. XXXX comparable selections, as outlined in the letter dated XX/XX/18 that was previously provided to Bank of West and is again attached herein, shows how the comparable sales chosen are in neighborhoods of lesser value. This is consistent for the comps chosen outside of XXXX XXXX XXXX. This is further validated by a recent listing ( a home listed just this month that was referenced in the attached letter dated XX/XX/18 ) at a value comparable to the only comparable sale chosen by Mr. XXXX within XXXX XXXX XXXX ( Comparable Sale # 3 ). Further, the response to provide comparable sales that have already closed is incongruous with Mr. XXXX approach. Comparable Sale # 5 remains an active sale.
c. Appropriate comps include the following : i. XXXX XXXX XXXX XXXX Ca XXXX ( Comparable Sale # 3 ) ii. XXXX XXXX XXXX XXXX, CA XXXX 1. Price : {>= $1,000,000} ; Sq Ft : 1,560 ( ~200 sqft less than subject property ) ; Sale date : XX/XX/18 iii. XXXX XXXX XXXX XXXX CA XXXX 1. Price : {>= $1,000,000} ; Sq Ft : 1,626 ( ~100 sqft less than subject property ) ; Sale date : XX/XX/18 iv. XXXX XXXX XXXX XXXX CA XXXX 1. Price : {>= $1,000,000} ; Sq Ft : 1,849 ( ~100 sqft more than subject property ) ; Sale date : XX/XX/18 v. XXXX XXXX XXXX XXXX XXXX CA XXXX 1. Price : {>= $1,000,000} ; Sq Ft : 1,975 ( ~200 sqft more than subject property ) ; Sale date : XX/XX/18 vi. XXXX XXXX XXXX XXXX CA XXXX XXXX. Price : {>= $1,000,000} ; Sq Ft : 2,121 ( ~400 sqft more than subject property ) ; Sale date : XX/XX/18 2. Please explain why a property within the neighborhood that had not had any updates or renovations can not be used as a comp simply because of sqft when the previous appraisal accepted by Bank of West used comps of similar size.
vii. XXXX XXXX XXXX XXXX XXXX XXXX 1. Price : {>= $1,000,000} ; Sq Ft : 2,160 ( ~400 sqft more than subject property ) ; Sale date : XX/XX/18 2. Please explain why a property within the neighborhood that had not had any updates or renovations can not be used as a comp simply because of sqft when the previous appraisal accepted by Bank of West used comps of similar size.
2. Comp # 1 : Comparable Sale # 1 is an inappropriate comp, for several reasons. Please provide an explanation as to why this is an appropriate comp to be included.
a. Issue # 1 Sale Process : Comparable Sale # 1 did not have an actual marketing process. Public records indicate that this property was Sold Before Processing, indicating that this was not a market transaction, but was is referred to as a Pocket Sale. This does not meet the standard for an appropriate appraisal. Page 4 of Mr. XXXX appraisal includes the definition of Market Value, which matches the definition utilized by the XXXX [ http : XXXX ], which includes the statement the conditions of sale ( e.g., exposure in a competitive market for a reasonable time prior to sale ). Comparable Sales # 1 simply does not meet that standard. The Appraisal does not account for, as is required under XXXX XXXX XXXX 2 : Adjusting Comparable Sales for Sellers Concessions and XXXX XXXX XXXX 4 : Identifying Comparable Properties [ See bullet number 4 on page 5 of XXXX XXXX XXXX 4 ], the lack of exposure to a competitive market under a normal marketing or sales process. Under a Sold Before Processing or Pocket Sale, value is often depressed and this might be due to a myriad of reasons. Public sites, such as XXXX and XXXX clearly identify this transaction as Sold Before Processing and the listed and sold date occur on the same day. Further, Mr. XXXX writes that in his report on page 9 of 28 that Comparable Sales # 1 is inferior in photographs. I could only find 1 exterior photo on sites like XXXX and XXXX and would ask that Mr. XXXX please provide the photographs he references. My assumption is that Mr. XXXX failed to meet the standards referenced on page 5 in bullets 6 and 7 and that he simply failed to actually research and verify this comparable sale or other that might actually be better comps.
b. Issue # 2 Comp Condition : Comparable Sales # 1 is inferior in quality, as quantified by the C4 rating. Given that the transaction is clearly not market and/or not an arms length transaction, nor are there any pictures to view the condition of the home at the time of the sale, the condition can not truly be quantified and the proper adjustment made to make this an applicable sale. Mr. XXXX, for this reason, failed to meet bullet 9 on page 5 of the appraisal.
c. Issue # 3 Adjusted Sale Price of Comparable : After reviewing even the little information that is available about Comparable Sales # 1, it makes little sense that the subject property was valued to be exactly the same as Comparable Sales # 1. Again, Comparable Sales # 1 is ( i ) located in a different neighborhood, ( ii ) was a Pocket Sale transaction, and ( iii ) is of inferior quality which could be significantly worse than the adjustments made by Mr. XXXX. This simple does not meet the XXXX standards.
3. Comparable Sales # 4 : Comparable Sales # 4 is an inappropriate comp and/or inadequate adjustments were made based on factors of this property.
a. Issue # 1 List Price vs Sales Price : The list price of Comparable Sales # 4 was {$930000.00}, whereas the sale price was {$900000.00}, a drop of approximately 3.89 %. Mr. XXXX fails to note this or quantify an adjustment made to account for the reason behind this significant of a price drop. XXXX outlines that such a drop may be the result of any number of negative conditions ( which are likely given the C4 condition ). Mr. XXXX once again failed to meet bullet 9 on page 5 of the appraisal.
b. Issue # 2 Comp Condition : Comparable Sales # 1 is inferior in quality, as quantified by the C4 rating. Given the drop in value quantified by the drop from the List Price of {$930000.00} to the sales price of {$900000.00}, a drop, as noted earlier of approx.. 3.89 %. Mr. XXXX does not mention a verification of this as outlined on page 36 of APB Valuation Advisory # 8 : Collection and Verification of Residential Data in the Sales Comparison Approach. With the drop in price over 3 %, it appears that a verification process ( interviewing of listing agent, etc. ) should have occurred. Given that the property was noted as a C4, and the broad availability of C3 comparable sales to choose from, the inclusion of this transaction does not meeting the XXXX standards. At best, the appraisal does not outline an adequate verification process and clearly does not include adequate adjustments to make this a proper comparable sale.
4. Comparable Sales # 2 : Comparable is not properly adjusted based on the neighborhood and site size.
a. Mr. XXXX failed to meet the standards to properly reviewing the neighborhood market data for XXXX XXXX XXXX and recent sales activity. Comparable Sales # 2 is simply not an appropriate transaction unless ( i ) a greater value is placed on the site size adjustment ( as demonstrated by Ms. XXXX in her appraisal ), and ( ii ) an adjustment is made to account for the variance in value between the neighborhoods.
Please note that due to the lack of compliance with XXXX standards and a failure to properly review the appraisal and/or respond to my numerous questions about the appraisal, I am filing a complaint with the CFPB.
Regards, XXXX
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| 08/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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XXXX XXXX XXXX Vin XXXX Bank of the West loan I purchased a XXXX XXXX XXXX that Bank of the West financed in XX/XX/XXXX for {$110000.00}. The loan originated with XXXX XXXX The vin is XXXX. Ive never been able to get mytags for the vehicle because it is still titled in the state of AL. I live in NC and lived in NC when I purchased the vehicle. The title Bank of the West holds is for a XXXX XXXX XXXX which is an incomplete vehicle. Bank of the West and XXXX XXXX refuse to address the issue. The contract that Bank of the West purchased says they have the right to demand XXXX XXXX purchase the contract back if the lien is n't perfected. It is n't. Title 49, Code of Federal Regulations statesthat anIncomplete Vehicle isan assemblage consisting, at a minimum, of chassis ( including the frame ) structure, power train, steering system, suspension system, and braking system, in the statethat those systems are to be part of the completed vehicle, but requires further manufacturing operations to become a completed vehicle. ( XXXX ). The incomplete vehicle type is identified bythe 5th, 6th, and 7th digits of the Vehicle Identification Number ( VIN ).
My financing contract, which Bank of the West purchased, states that the contract must be purchased back by the dealership if the lien isnt perfected. Ive tried to work this situation out with Bankof the West but havent been able to do so. The collateral protection division hasnt done anything with my inquiry/complaint and the dealer division said all is good ( which they protect the interest ofthe dealerships ). - If you do a vin search it shows the title in the State of Alabama - I cant get my tags in NC because the vehicle isnt in my name The title that Bank of the West holds violates theNational Traffic and Motor Vehicle Safety Act of 1966. It also makes it where I cant get tags for my vehicle because its illegal to put tags on a vehicle that doesnt meet federal guidelines. The vehicle has also had a recall on it but Ive never been notified because Im not he registered owner. If you do a national vin/title search the vehicle is still owned by an Alabama resident. The recall is for the wiring harness that states Hazard : A DAMAGED WIRE HARNESS CAN RESULT IN AN ELECTRICAL SHORT, RESULT IN INTERMITTENT OPERATION OF ELECTRICAL SYSTEMS VEHICLE " SHUT DOWN '', AND/OR LEAD TO A FIRE, AND MAY RESULT IN LOSS OF VEHICLE CONTROL, INJURY, OR DEATH. XXXX ( Published by NHTSA on XXXX ) Recall Summary : XXXX XXXX IS RECALLING CERTAIN MODEL YEAR XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX MOTOR HOMES BUILT ON XXXX CHASSIS AND MANUFACTURED FROM XX/XX/XXXX, THROUGH XX/XX/XXXX. CERTAIN MODEL YEAR XXXX XXXX AND XXXX XXXX XXXX MOTOR HOMES BUILT ON XXXX CHASSIS AND MANUFACTURED FROM XX/XX/XXXX THROUGH XX/XX/XXXX ; AND CERTAIN MODEL YEAR XX/XX/XXXXXXXX AND XXXX XXXX XXXX XXXX HOMES BUILT ON XXXX CHASSIS AND MANUFACTURED FROM XX/XX/XXXX THROUGH XX/XX/XXXX. A WIRE HARNESS THAT IS ROUTED UNDER THE MOTOR HOME, NEAR THE CHASSIS RAIL, CAN CONTACT A HEAT SHIELD LOCATED NEXT TO THE PASSENGER SIDE ENGINE EXHAUST MANIFOLD. THE PROXIMITY CAN CAUSE THE HARNESS TO MELT OR BE OTHERWISE DAMAGED. Hazard : A DAMAGED WIRE HARNESS CAN RESULT IN AN ELECTRICAL SHORT, RESULT IN INTERMITTENT OPERATION OF ELECTRICAL SYSTEMS VEHICLE " SHUT DOWN '', AND/OR LEAD TO A FIRE, AND MAY RESULT IN LOSS OF VEHICLE CONTROL, INJURY, OR DEATH. Remedy : DEALERS WILL INSPECT AND REROUTE THE WIRE HARNESS AWAY FROM THE HEAT SHIELD. THIS SERVICE WILL BE PERFORMED FREE OF CHARGE. THE SAFETY RECALL IS EXPECTED TO BEGIN DURING XX/XX/XXXX. OWNERS MAY CONTACT XXXX OWNER RELATIONS AT XXXX. Additional Info : XXXX 'S SAFETY RECALL NO. XXXX MAY ALSO CONTACT THE NATIONAL HIGHWAY TRAFFIC SAFETY ADMINISTRATION 'S VEHICLE SAFETY HOTLINE AT XXXX ( TTY XXXX ), OR GO TO HTTP : //WWW.SAFERCAR.GOV. XXXX XXXX of Alabamas argument is that 2 titles exists for this vehicle. One is a XX/XX/XXXXchassis and the other is a XXXX. The XXXX is the XXXX Chassis and the XXXX is the XXXX XXXX. The Alabama DMV states there is only one title and that is the XXXX XXXX XXXX. XXXX XXXX of XXXX has either sold me an incomplete vehicle or titled me an incomplete vehicle or both. Bank of the West isnt protected because they dont have the right title. Federal regulations involvingincomplete vehicle manufactured by XXXX XXXX XXXX Title 49, Code of Federal Regulations, Part 567.5 - XXXX XXXX XXXX Vehicle Safety Act -XXXX XXXX XXXXXXXX XXXX XXXX Incomplete Vehicle Manual - XXXX XXXX XXXX % XXXX Per XXXX : UNITED STATES VEHICLES XXXX XXXX Company has endeavored, whenever possible , to state the specific conditions under which an incomplete vehicle may be completed to conform with each applicable Federal Motor Vehicle Safety Standard. These specific statements are intended to aid subsequent stage manufacturers in avoiding instances of inadvertent noncompliance to particular standards. Note that the final responsibility for the compliance of the completed vehicle rests with the Final Stage Manufacturer who is required by law to certify, as prescribed by Title 49, Code of Federal Regulations, Part 567.5, that the completed vehicle conforms to all applicable Federal Motor Vehicle Safety Standards and that all applicable Federal, state and California emission/noise standards are conformed with. XXXX XXXX XXXX does not make any representation as to the appropriateness of modifications for any particular application other than expressly stated herein. Intermediate and Final Stage Manufacturers must exercise proper engineering judgment to determine if a modification is appropriate for their specific application. Incomplete Vehicle an assemblage consisting, at a minimum, of chassis ( including the frame ) structure, power train, steering system, suspension system, and braking system, in the state that those systems are to be part of the completed vehicle, but requires further manufacturing operations to become a completed vehicle. ( XXXX ) XXXX XXXX XXXX a person who [ company that ( XXXX ) ] performs such manufacturing operations on an incomplete vehicle that it becomes a completed vehicle. ( XXXX ) Motor Home a multi-purpose vehicle with motive power that is designed to provide temporary residential accommodations, as evidenced by the presence of at least four of the following facilities : Cooking ; refrigeration or ice box ; self-contained toilet ; heating and/or air conditioning [ system that can function independently of the vehicle engine ( CMVSR ) ] ; a potable water supply system including a faucet and a sink ; and a separate 110-125 volt electrical power supply and/or an LP gas supply. ( XXXX ) Per XXXX -incomplete vehicle type is identified by the 5th, 6th, and 7th digits of the Vehicle Identification Number ( VIN STATEMENTS OF CONFORMITY The Statements of Conformity section of this manual lists the Federal Motor Vehicle Safety Standards in effect on the date of manufacture of this incomplete vehicle that are applicable to the type ( s ) of completed vehicles into which this incomplete vehicle may be manufactured. This date is shown on the label affixed to the cover of this manual. These statements, in most cases, apply to specific types of incomplete or completed vehicles and identify GVWR and UVW weight ranges. The incomplete vehicle type is identified by the 5th, 6th, and 7th digits of the Vehicle Identification Number ( VIN ). The completed vehicle types to which this incomplete vehicle may appropriately be completed is printed on the label, under the heading May Be Completed As, that is affixed to the cover of this document. XXXX The Alabama title says exempt. The paperwork says another thing. The Truth in Mileage Act ( TIMA ) is a federal law that requires the seller of a motor vehicle toprovide an odometer disclosure to the buyer at the time of sale ortransfer of ownership.Thebuyer must sign in acknowledgment of the mileage disclosure given. This document was not provided at closing. XXXX XXXX XXXX Bank of the West and XXXX XXXX of XXXX claims they have the right to sell me a XXXX XXXX XXXX and have it titled this way. The inside of the XXXX XXXX says, incomplete vehicle manufactured by XXXX XXXX company Negotiating the Deal The unit was delivered from XXXX XXXX of XXXX, AL and the paperwork was done with XXXX but XXXX XXXX XXXX XXXX, NC negotiated the deal and pulled my credit. XXXX XXXX Buyers Order AS IS isnt initialed you and I certify that the additional terms and conditions printed on the back of this contract - nothing on back Bill of Sale not notarized - but has notary place no type of ID marked as produced State of Alabama Title odometer marked as exemptXXXX title currently still in XXXX XXXX XXXX name in Alabama XXXX It has never been reassigned. Retail Installment Contract contract not executed/signed by XXXX XXXX representative. I have the canary yellow copy.
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| 03/05/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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Last year I took my XXXX mom through Bank of the west XXXX drive thru on XXXX XXXX XXXX We waited for over 5 mins for a teller to arrive and when she arrived-she refused my mom help advising me that they only used the drive thru because of Covid and the lobby being closed. I drove my mom around so that she can visit the lobby and her visit took 45 mins. So l had to go inside to check on her.
-I spoke with the XXXX XXXX XXXX XXXX XXXX ) who " assured '' me and my mom no more issues. ( but things got worse ) On XX/XX/2021, I ( once again ) took my XXXX mom through Bank of the westXXXX drive thru on XXXX XXXX ( closer to my moms house ) and XXXX XXXX ( XXXX XXXX XXXX ) approaches the window and begins to ask for an " account number '' or debit card which is something that my mom has " never '' had to furnish upon withdrawing her money ( widows benefits from my late father ) from her bank account. XXXX refused my mother assistance " until '' I explained ( my mom has problems reasoning due to XXXX ) to him that my mom would " always '' give the women tellers her ID ( and have her to sign the withdrawal slip ) XXXX kind of " still '' refused but then he asked us " who '' these ladies were that was helping my mom in the past and we advised that we had no idea but they were all nice ( except the heavy set woman that was rude to us before-mentioned above ) I became a little upset and I explained to XXXX ( this was my first time with " no cursing '' how I felt that we were not being treated fairly ) XXXX then gives my mom her balance ( like she asked but she was not finished with her transaction because she never made the withdrawal ) and then he disappears from the window. There were other cars in the drive thru as well so, After waiting for about 4 minutes and realizing XXXX was not coming back to the window to finish my mothers transaction-I got " very '' upset and drove out of the parking lot and back around to the front door. I went inside the branch and there were only " very few '' people inside ( a family sitting down talking to a teller and like 3 people in line ) There was 1 person at the teller window ( the XXXX XXXX XXXX ) I walked over towards the end of the teller windows and XXXX is sitting down at his desk. I advised XXXX that my mom was " still '' waiting to get a withdrawal. He came to the window and asked me to leave. This is when I became " very '' upset and I " did '' curse ( " I DON'T CARE IF I AM XXXX XXXX XXXX XXXX OR " XXXX XXXX XXXX YOU GUYS ARE GOING TO STOP TREATING ME AND MY MOM LIKE THIS!! WE HAVE BEEN CUSTOMERS HERE FOR 2 YEARS OR MORE AND I HAVE ALOT OF MONEY TIED TO THIS PLACE FOR YOU TO TREAT US LIKE THIS!! ) -This is what I said ... in the drive thru-I made this " same exact '' statement but ... .with no cursing. And for me expressing my hurt as a customer ( because I was XXXX against ) XXXX called the police and 3 officers arrived. XXXX XXXX Police XXXX XXXX XXXX XXXX ) Once the XXXX arrived and XXXX began speaking with them directly in the lobby in front of customers and all, I called " XXXX '' over at the other Bank of the west branch on XXXX XXXX and let her know what was going on. She really didn't too much express any concerned but " she listened ''. FYI I was " never '' told not to come back to that branch but the officer " did '' make a statement " if I was a customer and they didn't treat me right, I would just go somewhere else '' ... I took my mother to the Bank of the west branch ( where I opened my business account ) and XXXX helped my mother the " same '' exact way that she was " used to '' -With " NO account number '' but ... her " ID ''. XXXX said that she would advise the XXXX over the XXXX branch of my concern.I didn't hear from her until almost 2 weeks later ( because I kept calling and calling ) Upon leaving, there was another customer at the ATM machine ( XXXX XXXX ) who advised that XXXX had " also '' called the police on her as well. XXXX sounds like he has issues dealing with his customers ( good " and '' bad ) He just " throws them to the police '' XXXX security never escorted me out either because " he knows '' that I am a " cool '' customer he stood next to me the whole time that the police were there ( seems like he was showing concern ) On XX/XX/2021 I received a letter from the Bank of the west XXXX way branch advising me that they were closing my business account along with ( 2 ) custodial accounts for my XXXX twins ( wow during a pandemic??? ) and I was not pleased with this but I accepted it.
On around the week of Valentines Day, I went into the Bank of the west branch on XXXX way to cash in all of my Bank of the west cashier checks ( totalling {$45000.00} ) and while standing in line, I could see XXXX was on the right sitting at a desk while the tellers in the back were talking. When it was my turn, 2 tellers closed their windows ( I think 1 of them was XXXX ) and I could hear them asking : " Why is she here? '' and " What does she want? '' ( FYI-This was not the branch were the police were called ) so after waiting for a while some " other '' teller ( I guess one that they could find that wanted to help me ) comes to the window. I explained to her that since they were closing my accounts I wanted to cash in the cashier checks. She says " Oh you don't have a bank account with another bank that can cash them? '' XXXX XXXX XXXX so ... ... .I advised that I did not ( because I was not expecting them to dig into their system for my info to close out my accounts ) she goes to the back and comes to advise me that they did not have the money to cash the cashier checks ( totally {$45000.00} ) and that I would need to come back that following friday ( Oh and she confiscated my business debit card ) I never went back to cash them-I still have the cashier 's check that I will cash at a later time.
Around XX/XX/2021 I received a call from XXXX ( XXXX ) who after hearing my situation saying that she " appreciates me admitting that I used a curse word '' ( really? What was I supposed to do? " Lie ''?? No because I " know '' I did " nothing wrong '' ) during this conversation XXXX " did '' acknowledge that we had spoken before about this issue with a few of her staff members at the XXXX XXXX branch. She " did '' advise that only " my '' account would be closed and not my twins due to it being an " XXXX '' funded account.
On XX/XX/2021 I received a call from " XXXX '' from the Bank of the west on XXXX XXXX advising me that my twins " XXXX '' funded accounts were due to close and I needed to get the money out before they closed them. I advised XXXX of what XXXX and I had discussed and was told by XXXX that she would contact XXXX and call me back. I am still waiting for a call ... ..
The " only '' questions that " I '' have are ( My mother is now in XXXX home so she can't speak for herself ) If I was not the customer on XX/XX/XXXX XXXXWhy was " my '' account closed? Oh I know why ... because when I went to the XXXX way branch to cash a {$6500.00} cashier check from Bank of the west the teller left me sitting in the drive thru ( without any warning ) for almost 7 minutes. I had to go into the branch to ask her what was going on but when I went inside the branch-she was still on the phone making sure that their bank of west cashiers check wasn't stolen ... ... ... .I was not the customer on XX/XX/XXXX at the XXXX XXXX so ... ... '' How '' did they even get my account or debit card information to close " anything ''?
The letter states the reason that they closed my accounts was because " they have the right to do so '' however during the call with XXXX, she advised me that because I said the curse word ( " XXXX '' when expressing myself about unfair treatment was the reason. I could have been restricted to not enter anymore branches and to just use the ATMS. I didnt have to even " need '' any teller assistance. I could have simply just been advised : " XXXX we would prefer for you to use the ATM from now on-Your access to our lobby has been restricted '' but to close my accounts ... ... ... ... .and my XXXX kids accounts ... ... ... .during a " pandemic '' is XXXX but it just further confirms my suspicions. If Social security is not notified by the XXXX of the month of an account change-the money will go to the closed account and then we would have to wait weeks for my babies to get their XXXX money via check from the bank. ( Are you serious?? In a " pandemic??? '' Wow ) Funny I told XXXX this same story and she assured me that those accounts would be left alone.
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| 08/29/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Servicemember |
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online account opening, XX/XX/21, funded account, registered online banking, all other inclusive features satisfied per custimizing, notifications, alerts etc etc. received debit card soon after, mobile check deposit utilized, and both deposits on my end cleared, but account too new as i was informmed, so funds deposited from both sources, were to be held XX/XX/21 until XX/XX/21, in case reversed and i then would be over draft. in those 17 days the only issue was downtown branch was unable to locate account of those mobile check deposits, so this location issued substitue checks creating their own routing and account numbers check XXXX federally insures as legal and valid as original copies. receiver XX/XX/21 and XX/XX/21 substitute checks in the mail from deposit date of XX/XX/21, 11 days after deposit cleared, funds held, issued by location XX/XX/21. atm check deposits were also involved, and those funds were also held immediately, and inside teller issued thosevry deposi substitue as well and sent to my residence. statement period XXXX XX/XX/21 closed and every XXXX deposited remained available in account 13 days after initial depositing but not able to be withdrawn. went to same location after atm card, online access, mobile banking and pin unregistered by institution. was told that every deposit made was returned, and was {$390.00} negative day all funds were to be available and {$1600.00} in deposits were somkehow {$2000.00} in withdraws on the statement that shows all fundsd were unable to locate account, routing and account generated by branch. after sending me these substitute checks legal copies and valid for payment, branch stop payment on all checks they sent me. accused me 18 days after depositing and creating legal copies of cyber fraud. said if i paid the XXXX i could have my account access again. 45 days unpaid from XX/XX/21 account would close and go to collections. they then kept my debit card in drive through, refused any and all access to my account, including mail email online no atm card anymore as they stole it from me, was unable to see any transaction to this day. am refused online registration, called to cancel debit card as it was taken by branch, customer service refusing to cancel card, order new card and after successful account verification shuts down further account discussion, station nature of account security notyices they are viewing, hangs up. now no phone agent even to do business with.statement XXXX XX/XX/21 indicates bank of the west has accessed my account and made changes to no longer direct deposit available since XX/XX/21 terminated all view and terminated paper mailing history and transactions. they have been in my account without permission or knowledge making changes to direct deposit i can testify to. they can not access my account and make changes, it is illegal and fraudulent. statement ending XX/XX/21 shows direct deposit. statement XXXX shows direct deposit terminated no longer available. and now negative XXXX since being told by manager it was XXXX negative. updated social security account XX/XX/21 direct deposit to metabank and XX/XX/21 benefit was deposited to new account no longer bank of the west. went into inpatient treatment and turned in phone XX/XX/21, received deposit next day, and 7 days later on XX/XX/21 social security account was accessed and direct deposit was changed back to bank of the west, password changed account notices from social security all we selected as opt out. address, phone number email and password were attempted to be changed, flagging account for local office and main office identity confirmation and verification before XXXX benefits we reinstated, but bank of the west received my {$890.00} XXXX benefit and did not notify me they had a XXXX negative balance from what i knew was XXXX went to a branch XX/XX/21 to withdraw the remaining XXXX left from XXXX deposit on XX/XX/21, and was told that the downtown branch was was demanding north rock location to complete my withdraw and only allowed to withdraw from downtown. account opened online not at any location, my routine number online after funding opening deposit is XXXX, as was enterehd on check oredering company, but when arrived in mail routing is XXXX and now all substitue checks this location sent me routing is XXXX this is incosistent with all banking im aware of as one account number to one routing number, instead 3 different locations have my account and transactions i cant see only negative overdrafts and returns. social security was immediately notified of this theft of my government benefit, and treasury issued a trace of benefit XX/XX/21 investigated it, and XX/XX/21 benefit was reissued in my favor and bank of the west location was demanded to return deposit so i could pay my expenses and support myself. bank of the west manager sent a letter on XX/XX/21 that he was closing my account official on XX/XX/21 all transactions as of XX/XX/21 would be sent as account closed. states does not have to tell me why, that he can after account was positive balance, final money taken out of account XX/XX/21 left me with XXXX available teller said when completed, still can not see anythig in account but return numbers. can not use account for any bill pay withdraw etc etc, and as of XX/XX/21 i had to go back to same location bc 7 days after account was to close permanently it was XXXX overdraft, and today it is over XXXX overdrawn. refusing orders to return payment location manager accused me of fraud at lied to me over and over again and wont close account, or access my services. statement XX/XX/21 to XX/XX/21 direct deposit feature removed statement XX/XX/21 to XX/XX/21 shows direct was re added to account, and social security account was fraudently accessed on XX/XX/21 changing back to bank of the west which indicates that this manager is responsible for accessing my bank account and chnging direct deposit and other features reflecting each statement beginning and ending its clear. as you are able to see in attached pictures i outlined in detail the investigation i ran on this manager. nobody else coud access account to make as many changes he never thought i was smart enough to investigate. refusing to return my benefit, failing to protect me from this fiduciary crime this branch manager is clear as day caught by the below images im sending. this is fraud theft exploitation deception illegal banking practices that i want prosecuted for immediately should i be validated. treasury is on the next move to proceed criminally if this benefit is not returned and mty account closed at zer balance as i was told same day leaving at XXXX but really was at negative XXXX theyre keeping me from my account and bad name in lending now with other banks im XXXX a XXXX and an easy target to defraud. besides im also including XXXX verification of date a fraud alert/ watch was on account at time of opening and removed recently. how was my identity verified by a world wide institution like bank of the west with an alert not to open any accounts without removal, and including emails from attempting to open an account online with this alert on and im told cant verify identity online go in branch w id to verify identity. but final peice of fraud on banking end to consider, how am i liable for negative with fraud alert on manager of branch i want investigated and benefit returned immediately.
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| 06/19/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Older American, Servicemember |
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Bank of the West time line Account XXXX-XXXX.
Forward : This complaint is regarding a car lease payment that was due on XX/XX/2020 to Bank of the West. All payments made to Bank of the West for this lease are made automatically from my XXXX XXXX checking account on or about the XX/XX/XXXX of the month. The form of these payments are EFTs ( Electronic Fund Transfer ) not paper checks.
Bank of the West contends that the XX/XX/2020 payment was not received. I received notice in the mail of a late payment including applied late fees. I do not recall the date the notice came in the mail. My XXXX XXXX checking account statement indicates that it was. Also, XXXX XXXX provides a Proof of Payment document stating the payment was made which contains a tracking number.
The following is a time line as best I can reconstruct of attempts to resolve this issue with Bank of the West.
XX/XX/2020 After receiving a notice of late payment for XX/XX/2020 I contacted Bank of the West at the phone number provided XXXX on XX/XX/2020. I was instructed by a person names XXXX to send the Proof of Payment provided by XXXX XXXX to XXXX. Proof of Payment was sent on XX/XX/2020 shortly after the conclusion of the call to Bank of the West. Believing this would resolve the problem no further action was taken.
XXXX I called Bank of the West to verify the problem had in fact been resolved. I was told that the Proof of Payment sent was insufficient. I was instructed to provide a Trace ID number. As a non-banker I did not know what a Trace ID number was. I contacted XXXX XXXX who told me Trace IDs are for paper checks and not EFTs. A case was opened at XXXX XXXX to resolve the Issue with Bank of the West. Case number XXXX.
XX/XX/2020 After receiving another late payment notice from Bank of the West I contacted XXXX XXXX again. A conference call was held between myself, XXXX XXXX and Bank of the West. Bank of the West had been applying the next months payments to the previous month and applying late fees. XXXX XXXX faxed the requested information to Bank of the West using the provided number XXXX. The following is an excerpt from case number XXXX regarding the call with Bank of the West. Note the statement lists the default name on the account as XXXX who is my wife. The Account is a Trust.
XX/XX/2020 Claim : XXXX Payee Name : BANK OF THE WEST LOANS Payment Amount : {$470.00} Payment Reference No : XXXX Schedule Date : XX/XX/2020 Dear XXXX XXXX : BANK OF THE WEST LOANS advised that this payment has not posted to your account. However, we have confirmed that this payment was sent with the correct payment information. Because BANK OF THE WEST LOANS confirmed that your payment information is correct, no changes are required.
We have faxed proof of payment to BANK OF THE WEST LOANS at XXXX to the attention of XXXX XXXX with a request that your account be properly credited.
BANK OF THE WEST LOANS has indicated that it can take them 3-4 business days to locate and post this payment to your account. You may wish to follow up with BANK OF THE WEST LOANS after the above timeframe to ensure that the payment has posted properly to your account. Our request to have your late fee waived was granted by BANK OF THE WEST LOANS. We have closed your claim at this time. If no error occurred, or if we found an error occurred in a manner or amount different than what you previously described to us, then you are entitled to request copies of the documents that we relied upon in making our determination. To request copies of the documents, please contact us using the method below, and have your claim number XXXX available. Any documents you request will be sent by US mail to the statement address for the funding account associated with this claim. If you have questions, or need further information about your claim, please call us Monday through Friday from XXXX XXXX. to XXXX XXXX. Pacific Time at XXXX. Thank you. We appreciate your business. Online Claims XXXX XXXX Approximately XX/XX/2020 I called Bank of the West to verify all was resolved. It was not. The Bank of the West representative recommended that I fax Proof of Payment and the XXXX bank statement. It was faxed that same day attention XXXX.
Approximately XX/XX/2020 A follow up call to Bank of the West indicated the problem had been resolved.
XX/XX/2020 Another conference call between myself, Bank of the West and XXXX XXXX following another late payment notice. The following is an excerpt from case number XXXX regarding the call with Bank of the West.
XX/XX/2020 Claim : XXXX Payee Name : BANK OF THE WEST LOANS Payment Amount : {$470.00} Payment Reference No : XXXX Schedule Date : XX/XX/2020 Dear XXXX XXXX : BANK OF THE WEST LOANS advised that this payment has not posted to your account. However, we have confirmed that this payment was sent with the correct payment information. Because BANK OF THE WEST LOANS confirmed that your payment information is correct, no changes are required. We have faxed proof of payment to BANK OF THE WEST LOANS at XXXX to the attention of XXXX with a request that your account be properly credited. BANK OF THE WEST LOANS has indicated that it can take them 5 business days to locate and post this payment to your account. You may wish to follow up with BANK OF THE WEST LOANS after the above timeframe to ensure that the payment has posted properly to your account. Our request to have your {$70.00} late fee waived was granted by BANK OF THE WEST LOANS. On XX/XX/2020 to assist BANK OF THE WEST LOANS in locating this payment, we faxed proof of payment to them at XXXX to the attention of XXXX XXXX with a request that your account be properly credited. BANK OF THE WEST LOANS verified this payment was due on XX/XX/2020. We have closed your claim at this time. If no error occurred, or if we found an error occurred in a manner or amount different than what you previously described to us, then you are entitled to request copies of the documents that we relied upon in making our determination. To request copies of the documents, please contact us using the method below, and have your claim number XXXX available. Any documents you request will be sent by US mail to the statement address for the funding account associated with this claim. If you have questions, or need further information about your claim, please call us Monday through Friday from XXXX XXXX. to XXXX XXXX. Pacific Time at XXXX. Thank you. We appreciate your business. Online Claims XXXX XXXX XX/XX/2020 Another conference call between myself, Bank of the West and XXXX XXXX following another late payment notice. Documentation of all payments made to Bank of the West since the inception of the loan were faxed to Bank of the West.
XX/XX/2020 Letter from Bank of the West threatening to impact my credit report. The second paragraph of the letter states.
As a valued customer of Bank of the West, we are concerned that further delinquency on this account may negatively impact your credit rating. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
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| 02/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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Frauding scams using my documents frauding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana of XXXX Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX Fraud scams using my brother documents of XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XX/XX/XXXX All white documents Fraud scams using my XXXX and XXXX of XXXX Indiana and Michigan State of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX XXXX born in Michigan State ) my XXXX was was a XXXX XXXX retiree, and XXXX a XXXX XXXX retiree, my grandmother of XXXX XXXX of XXXX Indiana was a XXXX XXXX XXXX XXXX and a XXXX XXXX retiree.
Fraud scams also frauded her mom and dad of my great great XXXX parents of XXXX XXXX XXXX married to XXXX XXXX of Sir name of XXXX both decest closed out social security data and a serial number corners record and private grave of XXXX Indiana.
Fraud scams frauding my great great great grandma and grandpa of serial numbered documents using XXXX XXXX XXXX married to XXXX XXXX. All death record 's and serial numbered documents.
Fraud scams using XXXX XXXX XXXX of XXXX XXXX Indiana who is dead Frauding XXXX XXXX and my brothers XXXX XXXX accreadition of XXXX XXXX XXXX as registrations as classes and XXXX XXXX, through XXXX XXXX Indiana XXXX XXXX XXXX.
Frauding scams using XXXX XXXX dead Mom documents of XXXX XXXX XXXX XXXX of XXXX XXXX Indiana Fraud scams using XXXX XXXX documents married in XXXX XXXX XXXX XXXX of XXXX XXXX Indiana Frauding scams using my birth certificate long form of doctors listed using XXXX XXXX XXXX XXXX XXXX of my XXXX XXXX Indiana serial numbered documents.
Frauding scams using my immazation record 50 states which included others in the state of Indiana frauding my documents 50 states resterant franchises tore into my documents to create food products Frauding scams using resterant dinners menus frauding my documents as menus Fraud scams as banking business permits and shopping malls and radio and media and Media scripts and songs Fraud scams using auto stores and medical clincs Fraud scams frauding as doctors and dentists Fraud scams using Brand advertising and marketing Frauding my documents as business permits as factorys Frauding scams frauding my documents as building permits and court building and legal business permits Frauding scams frauding my documents as others boats and boat marina Fraud scams using my documents as politican listings Fraud scams frauding my documents as mass transportation Fraud scams frauding my documents as school and college and universities and teaching staff and books and book credits Fraud scams frauding my documents as insurance company workers and insurance company name 's Frauding scams frauding my documents as reality company workers and business Fraud scams frauding my documents fraud scams as construction business permits scams listed Fraud scams frauding my documents as semi trucks companies and CDLs business permits scams Fraud scams frauding my documents as colleges building permits sinage Fraud scams frauding my documents as judges and attorneys and lawyers and law partners Fraud scams frauding my documents as train and travel related business naming scams Fraud scams frauding my documents as herds IDs scams and using other kids Fraud scams using my documents as herds of investment reps and investment business permits name Fraud scams using faa related frauding scams Fraud scams frauding my documents as police and sherrifs Fraud scams frauding my documents as herds IDs and herds business permits Frauding my documents as XXXX and XXXX other XXXX or XXXX XXXX I am not willing to accept over 65 percent of XXXX using my documents, federal block don't ask me out, federal not interested in certain states, federal.. I won't ever consider marrying in to any family from blocked states,. All XXXX XXXX town inculded.
The 5 plus Wisconsin state making 6 fraud my documents as herds scams and business and sinage and land development and don't comply..they also move in others states business and don't hire as all those states also frauded me documents.
Others created retailers sounds and landdelopments using my documents frauding using XXXX XXXX XXXXXXXX XXXX XXXX CXXXX Indiana as herds of XXXX business permits and herds of XXXX towns Fraud scams using my XXXX and XXXX and XXXX documents as land delopments Ideas and IDs scams and business Fraud scams using over 179 locations of retailers XXXX XXXX and XXXX XXXX reaction and XXXX XXXX Fraud scams using auto stores..
Fraud scams using radio.
Frauding scams using XXXXXXXX XXXX XXXX XXXX Fraud scams using theater groups Fraud scams using submission sinage and apartment building permits and apartment building owners Fraud scams using racing and auto workers and auto fiance personal and auto repair frauding my documents Fraud scams using festivals Fraud scams using using casino advertising and hotel advertising Frauding scams frauding using adult entertainment herds frauding using XXXX off my XXXX birth certificate Fraud scams frauding my birth certificate long form of XXXX XXXX XXXX of XXXX XXXX Indiana as auto stores and sinage and banking permits and herds of IDs scams Frauding scams using XXXX rain bank Frauding scams using XXXX XXXX bank Fraud scams using IRS retailers.
Frauding scams using herds of XXXX towns and XXXX business permits and XXXX XXXX off my XXXX XXXX XXXX XXXX documents and XXXX base Federal not interested in my documents as familys to date or move to, count me out as a customer and there federal not authorized like that anymore.
16 counties of Michigan State and Florida State and Nevada state frauded my documents as herds of frauding scams others familys and business permits scams. Federal not authorized. Federal not interested in Florida frauding my documents in all 16 counties.
Fraud azorina scams to and using sinage but all 50 states pulled that frauding my documents.
Federal not interested in Nevada frauding my documents in all 16 counties no one from my family 's is married into Nevada, federal not interested.
Federal not interested in being squcked out or sauacked out town's..
Others frauded my XXXX Indiana as IDs and business and travel buses Other frauded XXXX Indiana as IDs.
Others frauded XXXX Indiana as others states business Other frauded XXXX Indiana as IDs Fraud scams using Indiana school documents as IDs scams and counter business permits by others states Frauding scams frauding my whole documents stack in XXXX and XXXX and as towns and retailers Frauding my documents in XXXX and XXXX light business permits scams and light IDs scams in those two counties.
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| 08/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX, I sold a car that I had a loan on, through Bank of the West. The private party, met me at a bank branch with a cashiers check, and it was deposited into my account to pay off the loan for {$35000.00}. A bank personal notarized a bill of sale, and an authorization form, so that the bank could send the new owner the title of the car. I had asked if I could get some kind of proof that the account was paid off, but they said the payoff would not be posted until midnight that night. The following week, on XX/XX/XXXX, I called the customer service number that the local bank had provided me, to see if the account was paid off and closed. I was informed that the account had officially closed on XX/XX/XXXX. The same day, I cancelled my auto bill pay from my other bank, for sending payments to Bank of the West. On XX/XX/XXXX, while checking my other bank account, I noticed that a payment of {$320.00} had been cashed on XX/XX/XXXX, by Bank of the West, for the account that was closed. Immediately, I called the local Bank of the West branch, and they informed me that the check was cashed, and that they would send out a check to be delivered at the address they had on file, within 7 business days. During that phone call, I also requested that they provide me with some kind of proof that the account was paid off. The branch manager told me to call the customer service number, at XXXX, and request a lien release, because they could not do that locally. After hanging up with the local branch, I called the customer service number, and was told that I would be receiving a lien release in the mail, along with the title. I explained that I had sold the car, and signed an authorization form for the bank to send the new owner the title of the car. They said they had made a note on my account to send me a copy as well.
On XX/XX/XXXX, I went to the car dealership to let them know that I had sold my car, and to send the refunds for the GAP insurance and the car warranty, totaling {$3100.00}, to my address, instead of the bank. They informed me that I would need proof of payoff. I gave them a copy of the bill of sale, and the authorization form the bank had me fill out, but they said they needed a lien release that shows the account was paid in full, and there was no longer a loan on the car. From the dealership, I called Bank of the West, with the financial officer from the dealership present, and requested some kind of letter that proved that the account was paid in full. The person said that the bank usually sends that out within 5 days of the account being closed, and that she could see on my account that had not been processed yet. We asked for a letter, and she said she could not send one, but would mail one out. By this time, the account had been closed for 11 days. The dealership had already mailed the check for the cancelled car warranty, on XX/XX/XXXX, to Bank of the West in XXXX, CA. The check had not been cashed by this time, and in order for her to stop payment, I needed the lien release from the bank. The customer service represented had said that it may take up to 14 days to receive the letter, so I went to the local branch and a banker there, wrote a letter that stated the account was closed and paid off. It was one sentence long, and the dealership was not sure if she could accept it, due to it not being a legal form, and that it wasnt signed. On XX/XX/XXXX, I had still not received a lien release from Bank of the West, nor had I received the {$320.00} of over payment back. When I called the local branch, they referred me to the customer service center. When I called, the person was able to see that the payment had been cashed on XX/XX/XXXX, but had not been applied to any of my accounts. They transferred me to the loan department, where the woman was unable to see that there had been an over payment, due to the account being closed. She instructed me to send proof that there was a payment sent after the account was closed, and provided me with a fax number. After sending the fax, the woman said it had not gone through, so I resent it 6 times. It showed on my end that it went through, but showed it had not gone through on her end.
She instructed me to take a letter to the local branch, and they could email it to the customer service center. On XX/XX/XXXX, I called our local branch to see if they had sent off the proof of payment, and he stated that he had, and that I could call customer service to find out the status. I called the customer service number again, and was transferred to the loan department. The lady that answered my call, said she could not see anything on my account, since it was closed. I asked to speak with a supervisor, and was transferred to a woman who identified herself as the loan department supervisor. I explained my situation to her, and she said she could that there was an overpayment towards the account. When I inquired about where my reimbursement was, she said that they were reviewing it, and it could take weeks, to months to get the money returned to me. When I asked if I could please get a lien release or proof that the loan was paid off, the supervisor told me that they had already sent that information on XX/XX/XXXX. I told her that I had not received anything in the mail, and she asked if the address on my account was current, which is was. She said there was nothing she could do about that fact I had not received it. I explained that in order to retrieve my refund form the car dealership, that I needed proof the account was paid off in full, from the bank, and I also needed a copy to bring to the courthouse, as our state requires. She literally told me that was not her problem. After that, she reiterated that the over payment would be sent out after an investigation was conducted, and the case was reviewed, and that they are not under any legal obligations to give me a time frame of when that would be, then proceeded to tell me that the bill of sale that we gave to the new buyers, should be enough proof, and hung up on me. The problem with the bill of sale is, it does not show that the account is paid in full, it only shows I sold the car to somebody else.
After the supervisor hung up on me, I called back to see if I could get the name of the person I last spoke to. The person from the checking department, said she did not have access to that information, and that she would request that somebody call me back. I would just like my over payment reimbursed and proof that my car loan is paid off, so that I can retrieve my refund and notify the courthouse
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| 05/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On or around XX/XX/XXXX, XXXX and XXXX XXXX went into the Bank Of the West branch on XXXX and XXXX to help our son XXXX open up a checking account before we went off to his first year of college. The Bank of the West employee suggested XXXX should have a credit card for college to HELP BUILD HIS CREDIT. My wife thought that could be a good thing. Bank Of the West determined XXXX was not qualified to have a credit card and they would need my wife to be on the card, which she was denied. At this point the banker asked XXXX XXXX for XXXX XXXX information. No interest rate or credit card limit was discussed.
At no point did the banker ever contact me ( XXXX XXXX ) in regards to this credit card for my approval. I am convinced the Bank Of The West employee was not motivated to help XXXX establish credit. If that was the case, the limit would have been set at {$500.00}. A reasonable amount for a XXXX in college. Instead, the limit was set at {$8000.00} and I am assuming they were incented to do that. This credit card limit was increased to {$9200.00} without me ever being notified. I became aware of the credit card when a fellow employee called me at home and told me Bank Of the West called him asking about me and said I needed to call them back. Bank Of The West recommended I sign something indicating I had my identity stolen to stop further damage to my credit. Bank Of the West asked if XXXX opened the account and signed my name without my permission. This caused great tension in our home, XXXX strongly denied ever signing my name. I began requesting a copy of the loan application to see if the signature was mine. This was another incredibly long and painful process to get any help from Bank Of the West. After hours on the phone, I finally got so frustrated I walked into the branch by my home and asked for help. I finally got someone to give me the time to explain my situation and would get me a copy of the application with my signature. I was later informed that there was no application with my signature on file.
In college XXXX developed a problem with gambling, which he is trying to take responsibility for. He is in treatment for this problem. Bank Of The West played a role in this disaster, by giving him a credit of {$8000.00} and then increasing it to {$9200.00} without my knowledge. This XXXX problem would have never gotten to the point it did, if the credit limit was set at a limit that was appropriate and if I would have been aware of the credit card. In his desperation to get the card current, he went online for help with a credit counseling company to try and get the interest rate dropped and lower the payment. This only made his situation worse. He paid them money and Bank Of The West denied the credit counseling request. I was asked more than once, did XXXX use the credit card and answered yes. Then was told he is responsible which I can understand. XXXX when into the back and was trying to pay an interest payment and they offered him another card for {$3000.00} which is hard to understand.
Is this a Bank Of The West - company wide, single branch or individual employee practice to give out credit cards under individuals without proper consent?
Proposal- Its my view, The Bank Of The West made this loan without any regard for the original purpose of helping XXXX establish credit. It was more about a bank employee pushing credit without taking the proper steps of making me aware of a credit card with an {$8000.00} limit. This has caused our family great pain. My entire life, I have always had perfect credit. I am not someone who does not pay my debts. The lack of anyone other then XXXX willing to hear my out, has made this very frustrating. I am requesting a phone call with my lawyer to hopefully quickly put this behind us.
Credit card need to be forgiven. Payments, interest and late fees minus the credit limit Bank Of The West would have given under normal practices. This needs to be settled by Friday, XX/XX/XXXX.
My next move is : Contact the Nebraska Department Of Banking Contact : CFPB Begin lawsuit seeking damages with several claims.
Below is the email from the Branch Manager who is trying to help me get some kind of resolution.
XXXX, XXXX XXXX Wed, XX/XX/XXXX, XXXX XXXX to me Hey XXXX, Her is my write-up about what happened. Can you please take a look at this before I submit it over to the investigator.
XXXX called me back in XXXX saying he had an issue with a credit card that he did not know he had. He told me his son maxed out a credit card and they have been paying on it but he had no idea he had the card until our bank called his work phone. One of his fellow co-workers told him bank of the west was trying to reach him. When he called our back office number they told him about his credit card. He told them he didnt have one and reached out to me in XXXX.
I then got in touch with XXXX XXXX and with her help I told XXXX of the next steps and gave him some paperwork to sign. The communication ended there until I he contacted me earlier this month. He told me he had some stuff come up and that he got in touch with his attorney about the situation and now would like to start to figure out what can be done about the card again. Until this point he has been making XXXX make cash payments on the card in order for it to be paid.
When looking at everything that XXXX XXXX has provided and what I see in the system. It appears his son XXXX originally came into the XXXX and XXXX branch. From the notes it seems the banker XXXX XXXX talked to him and his mom about a credit card. From what we see they put an app in and it was declined. There then was another app with XXXX and XXXX as an authorized user. This was approved and XXXX and XXXX were sent out cards. XXXX got a card and started to use it. XXXX says he never got a card and was never informed about getting one. He had no clue the application was even submitted.
At this point XXXX is saying that the bank is at fault for submitting an application without him knowing and then issuing his XXXX year old son a credit card with a XXXX limit. He is not saying his son did not use the card, but he is saying he had no notice an application was being submitted. According to XXXX he would of never let his son have a credit card.
Right now is has been advised not to make any more payments on the card and he would like to get his attorney involved with the bank in this situation.
Thanks, XXXX XXXX Branch Manager, AVP NMLS # XXXX XXXX Bank of the West XXXX XXXX XXXX.
XXXX, XXXX XXXX T XXXX F XXXX XXXX cid : XXXX XXXX
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| 12/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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I had previously lived in a place with a Bank of the West branch and was planning on opening a business account and card with them. I had met with a business representative and liked the services they offered and the credit card deal ( 0 % APR for the first 9 months, extra rewards points for spending {$5000.00} in the first 3 months ). It seemed like the perfect thing for my new small business. Instead of having to get out a business loan, it would be exactly what I would need for the initial set up expenses.
However, with the pandemic I ended up moving out of the area and so opened my bank account with a different bank. Nevertheless, remembering Bank of the West 's offer, in XX/XX/2021 I reached out to open the business credit card. The closest Bank of the West location is 2 hours away and at no point when I applied did they say that they could not work with me because I did not have a bank account with them. Nor did they say that most of the business needed to be conducted in-person at a branch. I assumed it would be like a XXXX or other credit card that frequently worked with folks remotely. However, everything that I have tried to do since opening the account has required me to go in person to a branch. I can not do that. I have not been able to access my account online, get or use my rewards, set up automatic payments, or even close the account. And this is all for an account -- once I realized the credit limit -- I asked NOT to be issued.
When I applied, I asked for {$6000.00} in credit, which seemed like a low amount for a small business but seemed reasonable for my needs. I was told I could be given only {$2000.00} because it was a new business and it didn't have a credit history. I replied that I did not want a card for {$2000.00} because I had things I needed to buy that were more than {$2000.00} and a card with that limit would be useless. Plus, there was no way I could get the deal they had offered with the rewards points if I couldn't even spend that much. They said I could appeal and ask for a greater amount. I did so. I never heard back. Two weeks later, a card was issued for me for {$2000.00}. I called to see if the amount could be changed now that it was opened but they said it could not.
In retrospect I should have just closed it immediately. But I decided to make the best of it. I had bills that needed paying and I figured I could make it work. I tried to open an online account to pay things off easier but the website said it required in-person verification and I would need to go in person to the bank to open the online account. I called Bank of the West to see if anything could be done. They could not help. It had to be done in person. Fine. However, this meant I could never see my current balance and had to call upwards of 2x a month to pay off the balance to avoid going over the absurdly low limit. I had to ask for payment plans ( and pay additional fees for doing so ) for items that I had the money to pay for in full just because the item cost more than the credit limit.
As part of my application process it had asked whether I wanted the card to automatically pay off the minimum balance and I had said yes. In XXXX I decided to let that happen because I had 0 % APR for the first few months and I was finally not spending so much that I needed to pay it all off in advance. I was surprised to see that I was charged a late fee when I got my next bill. When I called I was told that they didn't have any record of a minimum payment being set up for me. The representative said that as a " courtesy '' they would waive the fee. I pointed out that it wasn't really a courtesy if they had made the mistake and not processed the initial form correctly. She said that she would send me a new form so that I could set up automatic payments. Given how many problems I was having with the card already, I figured I would set it up to pay off the whole amount automatically. But I was never sent the form. A later representative told me she thought it had to be done in person in the office. So I limped on.
Not having access to review my accounts, I forgot about a bigger purchase I had made which sent me over my balance during the late summer. My account was frozen. I called Bank of the West but they said there was nothing I could do about it. Even if I could pay it all off in full then and there ( which I did ), they reserved the right to freeze my accounts for up to 15 days. Multiple orders I made were cancelled and I had to tell suppliers that I needed extra time to pay them. I had the money -- I just couldn't get it to them.
I finally decided I had had enough with Bank of the West and so decided to open a card with my local bank. I was able to get the {$5000.00} I requested approved in under a day. I started using that card as my main one but I figured I would keep Bank of the West as a backup. As I didn't need to pay it off so frequently I switched to paying it off by check rather than calling via phone.
I was surprised to see when I got my statement this XXXX that I was charged another late fee with interest. I had sent a paper check in on time. The representative assured me they processed checks the day they receive them so it had apparently been delayed by the mail. However, because my previous " courtesy '' had already been used I had no choice but to pay this time. I asked whether they could apply the rewards points on the back end so I could at least make up for my losses with this card, but that was not possible. I had to do it myself through the separate rewards provider, but of course, i couldn't set up an account with them as I didn't have a Bank of the West online account. So I paid off the balance and the fee and the interest. And then I asked to close my account. I was told I could not do that. I had to come in person.
So what do I do? I have a credit card that I did not want that I can not close with points on it that are " mine '' that I can not access. It's cute that Bank of the West XXXX owned by XXXX XXXX, the 2nd largest banking conglomerate in the world ) wants to do everything face to face, but if that's the case, they shouldn't issue cards to folks remotely. And if they do issue cards to folks remotely ( as they did with me ) they should be prepared to actually service them.
|
| 05/19/2017 |
Yes |
- Checking or savings account
- Other banking product or service
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I am a Bank of the West Customer and a small business owner. When I opened my account with Bank of the West we were told about the Merchant Services available to us as Bank of the West Customers. XXXX XXXX at the XXXX branch praised the company they refer which is XXXX and its representative XXXX XXXX . When we read the literature XXXX confirmed that any batch that was done prior to XXXX was credited the same day and any batch after XXXX pm. would be in my account the next day. XXXX with XXXX XXXX on XXXX XXXX , XXXX . She explained their services and confirmed what was told to us by XXXX at Bank of the West, that yes our deposits would be in our a cct 6-12 ho urs after we batched out. We agreed on what type of equipment she thought would best suit our needs and signed up with XXXX , I signed an Installment agreement for the equipment. After a lengthy and ridiculous underwriting process we were finally approved to be able to use XXXX as our process server. ( Thats another story ). With that process finally over our equipment was shipped and received shortly after that. I want to mention that none of the equipment was ever able to be hooked up because the card swiper that was mailed was not encrypted for that type of machine. So we had to hand Write Customers account numbers on the guest checks and process them manually, embarrassing to say the least to my customers who were very uncomfortable with that and then I found out later that I was paying an additional fee for manually processing them the whole time, about an extra hundred dollars for the month. I couldnt Get XXXX to give me the time to come out and see what was going on even though I called and texted her for her to come see what Im dealing with, she never did. When I realized my deposits were not being processed in the time frame I was promised I called XXXX to ask why and and spoke to Mr.// of XXXX I asked Mr.// about the next day deposits and he said this is not how it works that if you batch out after XXXX the deposits do not go into your account until 72hrs later. I explained what I was told by their rep. XXXX XXXX and he said he was going to call her. Later I called XXXX and told her what XXXX said and she told me that she informed him that because I was a Bank of the West Customer that I was getting a provisional credit and thats why the deposit would show up in my account soon after I batched out, again confirming this to me that my deposit would be in my accou nt 6-12 hours after batching out. The problem is that this is not true and even though when I asked XXXX . XXXX and even XXXX at the XXXX branch why Im not getting next day credit they say they cant understand this because it has never happened to anyone else before. ( Well I XXXX XXXX and read the reviews, everyone had similar stories. I cant believe there isnt a Class Action Law Suit against t hem ) So with all this being said thats just some of the issues in dealing with XXXX . On XXXX XXXX XXXX debited my account {$2200.00} when I called XXXX XXXX XXXX to find out what was going on. She informed me that she would research it and get back to me. I explained that I had outstanding checks and that money had to go back in my account right away. It was either later that day or the next she informed me that they debited my account the total amount for the equipment not the installment amount which I signed for plus my monthly processing fees. It took them 10 days to put that money back into my account. Which means I had no access to any of my money for 10 days . Again Im a small business thats all I had. Since this disaster of a processing company has been responsible for depositing to my account, they have caused my account more than {$2100.00} in overdraft fees because of the misleading sales tactics. So from day one I have had service charges because the money is not there when promised. For Example I b atched out on XXXX and the money should be deposited on XXXX at the latest per XXXX XXXX but its not there at any point on that day. Its not even at XXXX on the XXXX of XXXX . I have a screen shot of my account balance on XXXX / XXXX / XXXX when the deposit is supposed to be there and you can see there is no deposit but around XXXX XXXX the next morning you can see the deposit with the date of XXXX / XXXX / XXXX not an effective date of XXXX on XXXX but like it was deposited on XXXX / XXXX / XXXX when its supposed to be there They are altering the daily activity on my account for the prior day so it looks like the money was there, and because the money wasnt there the morning of the XXXX / XXXX / XXXX I have od fees for items that the money should have been there for. The problem is that it is a snowball effect it is impacting my cash flow and the ability to have my items covered and not charged and overdraft fee to have them paid. I can never recover what this has cost me in over draft fees. I have accrued over XXXX in service charges over and above what they reimbursed me for. This has been an absolute nightmare. And Im not even asking for the total amount, this is just since XXXX XXXX , XXXX when the wrongly debited my account. XXXX XXXX said that her manager would only approve XXXX of my overdraft fees. Bank of the West has paid my items, they said until this was to be straightened out. The ramifications of my checks being returned are enormous anything from being reported as a bad check issuer to having a payroll check bounce and Labor enforcements of being sued. I am asking for XXXX to reimburse me in the amount of XXXX --. I would not have overdraft fees if I hadnt been deceived in their processing procedures.
|
| 06/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
Older American |
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XX/XX/2020 XXXX XXXX sent me a letter indicating I had been declined my request for a Deposit Account. I did not apply for a Deposit Account at XXXX XXXX. I do have a mortgage account at XXXX XXXX. I pay the mortgage every month on the XXXX or the day before to post on the XXXX. I subsequently, not soon enough, contacted XXXX XXXX and reported that I did not open the Deposit Account. I reported it to XXXX XXXX as Fraudulent.
XX/XX/2020 XXXX XXXX sent me a letter thanking me for contacting the online fraud department. I have never received anything from Bank of the West to indicate they are taking my report to them of fraud seriously. No letters. Nothing.
Note : During this time I should have frozen my credit and put out a fraud alert. I did not until do that until XX/XX/2020.
XX/XX/2020 Bank of the West sent me a notification indicating I had opened a new Bank of the West account online on XXXX. Apparently at XXXX XXXX the fraud account did not have all of the correct information. On XXXX at Bank of the West they either had ALL of my correct information or Bank of the West does not check close enough. Either way the Identity Theft individual does have my drivers license, ssn, address, name correctly, everything they need to open accounts.
XX/XX/2020 Bank of the West sent another piece of letter mail indicating Debit Card Overdraft protection had been declined XX/XX/2020 Bank of the West - I contacted the Fraud Online department. I spoke to XXXX at approximately XXXX about the fraudulent account. He indicated they account would be flagged. I asked, would it be closed? He also indicated at that time no checks were issued, debit cards or credit cards.
XX/XX/2020 Put Fraud Alert and Froze accounts with all three reporting agencies. Incidentally BOW uses XXXX. More about that later.
XX/XX/2020 Bank of the West - I called them back to verify that the account was actually flagged blocked closed?? XXXX at BOW at XXXX indicated the account was blocked.
Note : XXXX XXXX or XXXX informed me that any future calls they would not be able to talk to me on the phone because of this action. I think it was XXXX.
XX/XX/2020 I called Bank of the West back. Not content with response of XXXX. This is where it gets interesting. Big question WHY XXXX, WASHINGTON. I spoke to another person, a female ... .really nice lady. She listened to me. Sounded like she did not see what I thought had been done. She was also very vague. But she said this ... .she gave me the address and phone number of the XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , WA XXXX and to CALL THEM. I asked what business am I calling. She says ... .you need to call them ... .that 's it.
XX/XX/2020 I called Bank of the West in XXXX, Washington and was connected to an XXXX ( XXXX? ). I asked him why was I led to your bank? He asked if he could call me back after he investigated the account. He confirmed what we knew it was an online fraud account. He said he and another friend opens all new accounts at that bank branch. Why that branch? What's up with these two fellas? That was the last I spoke to XXXX. He assured me the account was dead. I am still receiving mail from Bank of the West even after the fraudulent account was reported and said to be dead closed flagged.
XX/XX/2020 Bank of West sends me another letter ... .Welcome to Bank of the West. Thank you for opening an account with us. This letter sent way after the account was reported FRAUDULENT. Why did I even receive this letter?? XXXX!!
XX/XX/2020 Bank of the West - Honestly I am not sure of this date but the event is this ... .I visited the local XXXX , Oregon XXXX XXXX at XXXX XXXX XXXX . I met with XXXX XXXX. I told him the whole story. He again assured me the account was blocked.
XX/XX/2020 Bank of the West - I received a letter in the mail from the bank indicating my application for a Credit Card has been denied due to unable to get information from credit reporting agency. This clearly tells me if I had not FROZEN my credit they would have granted a Credit Card. What I want to know is ... ..what is the mailing address on file? It has to be different from my real mailing address. Are they telling me everything they know? Why was this letter even produced and sent to me? The account has been reported Fraudulent. That should be a giant RED FLAG ... ..do you think!!
Today, XX/XX/2020 I do not believe Bank of the West takes FRAUD Accounts seriously. I have no confidence that the account is closed. Otherwise why am I still receiving correspondence after being told the account is closed. I am filing this complaint with you in hopes I can get a letter from Bank of the West recognizing this is a Fraudulent Account and that I have never opened or had an account with them ... ever.
Here is what I believe is the problem with Bank of the West. When you begin the online process they should ask for you information. You SSN number is a piece of it. At that exact moment their ONLINE PROGRAMMERS should check to see if that SSN is in their system and FLAGGED as FRAUD. They should pop up a screen at that moment to the person entering the information ... ..Account is Reported Fraudulent. Please call the office. That would stop anyone from getting into the system period. Also, their IP address would be tagged, tracking directly to the perpetrator would be possible. I know this for fact. Bank of the West has this perps Browser type, XXXX, XXXX, XXXX, time of day, date and for the most part location. Why can't I have this information?? I want it. I want to go after this person.
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| 03/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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In XXXX, I started a dispute process with Bank of the West, with a card ending in # XXXX.
I noticed this account during the summer, and when I called Bank of the West, a supervisor named, " XXXX, '' stated to me : " you need to contact XXXX. They can help you. '' So I did. I started the dispute process.
Comes to be that someone else had used my name & a former address of mine, I am talking old, old, address. I was now in XXXX XXXX, at XXXX XXXX XXXX, CA. XXXX where I was sent information by the bank, and later to the XXXX. XXXX XXXX, XXXX XXXX, CA XXXX.
During the dispute process, which is very intrusive of ones personal life, to have to divulge some of the most private hardships of my life then have to contact this Company over & over again, is unthinkable. I obtained the affadavits that I was told to during the dispute, such as the letter from the homeless shelter where I was at, to get a police report ( dated XX/XX/XXXX ), which was sent in, to send a photo copy of my passport ( valid/current/not expiring until XX/XX/XXXX ) and piece of mail with my XXXX XXXX XXXXXXXX, ( dated XX/XX/XXXX ) yet it was declined because it was recent enough. How much more recent can it get?
All of those documents were current ... no one reads, not even at Bank of the West, which I have reported to the Charge Offs Dept., XXXX XXXX, whom then referred me supervisors XXXX XXXX and XXXX XXXX. I called XXXX XXXX directly several times, and left her messages to kindly return my calls, yet she didn't. She had XXXX XXXX call me. XXXX XXXX stated to me that Bank of the West had made an 'ERROR, ' by not closing the account properly. When I opted to settle and pay with XXXX XXXX on XX/XX/XXXX, she did not follow Bank of the West policy, and consequently, I have yet to receive a 1099. Also, I had to call the bank in XXXX, to have them stop sending me balance due statements, another indication of this error. I have pointed out to Bank of the West, every single agent states, " you are on a recorded line, '' yet the company fails to realize its their staff that are not aware of policy and there is no internal communiation.
I was also told, during this ongoing process, that my credit report negative marks of missed payments would be removed. That did NOT happen. I was told to send in a written letter, to put it in writing, and that ought to do it. It did nothig, and the company did not bother to notify me or remove the comments.
However, the comment of " XXXX, '' for the month of XXXX is also inaccurate, as I stated above that on XX/XX/XXXX I spoke to XXXX and made a payment.
Furthermore, I have reported since the beginning to XXXX XXXX, that regarding the dispute proces, I did everything that was asked of me, and it yielded nothing. I opted to settle, thinking it would work, and yet again, it has basically yielded nothing. I still do not have my credit score fixed with Experian and I have not received my 1099.
I sent a letter & email to chargeoffs @ Bank of the West on XX/XX/XXXX : Good morning, Please forward this to XXXX XXXX XXXX XXXX XXXX. I left a voicemail with XXXX XXXX at XXXX PDT.
Today is Friday, XX/XX/XXXX and I'd like to receive my 1099 by the end of the business day.
I spoke to XXXX earlier this week and I conveyed to him the same issues ( XXXX still reflecting negative comments - missed payments when I was told clearly this would be removed, I sent a letter as told to do so, and I have yet to receive the 1099 ).
This dispute has been ever evolving, literally never ending.
Time and time again, I have called since last year to resolve it. I settled, despite attaining a police report. I've explained my situation to you from years ago, all of my address changes and clearly no one reads.
I've followed exactly what you have asked me to do.
I'm told that all calls are " recorded. '' Irony, is that despite recorded calls many of your staff and supervisors do NOT read the company policy nor the communications received from customers.
On Monday, XX/XX/XXXX, I will be filing my income taxes for XXXX, and I need my 1099 because when XXXX XXXX gladly received my monies on XX/XX/XXXX & XX/XX/XXXX, she did not close out the account properly. That again, is no fault of my own.
Please remove the XXXX credit bureau negative comments placed by Bank of the West ( which was XXXX 's advice to me that I only talk to XXXX which is a lie on the report as it states that I did not communicate with the bank ) and again send me my 1099 today as it is imperative.
I do not want to be in a position of amending taxes which will incur an additional cost because Bank of the West failed to close a settled account properly.
This additional cost will be of no fault of my own and I will notify Bank of the West to pay for fees that I may incur due to this issue.
I will follow up by calling XXXX XXXX. Also by mailing this as a hard copy to the XXXX, XXXX address provided to me and if needed disputes opened/complaints filed to shed additional light on this situation, that again is out of my hands, no fault of my own, and damaging both my credit & may cause fees due to 1099 not sent as stated above.
As a consumer, I've gone above and beyond in contracting you through the phone, dispute process in XXXX, settling the account in XXXX, and following your protocols. Despite having " recorded, '' lines, this situation has gone this far and your recorded lines are proof of your own processes are not working, and you string customers along.
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX
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| 01/20/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX, due to the location in rural North Dakota where assistance was needed, I was unable to find any readily available labor to help with removing and relocating furniture at my familys homestead. Therefore, I utilized XXXX to match a labor request with potential available movers and to receive quotes for the help I needed. The only email received from XXXX stated that my request had been matchedwith multiple movers and that they will contact me shortly with detailed quotes ( XXXXMoving Request_ XXXX ).
As I had not received any phone calls and/or emails regarding my labor request by XX/XX/XXXX, I contacted XXXX to verify that no movers had followed through with responding to my request. I called both the number referenced in the email from XXXX as well as their customer service number ( XXXX_Phone Inquiries_ XXXX ). The information relayed to me was there was not an order related to my request in their system and if I had not signed a contract with a vendor, no further action was necessary since I had decided not to continue with finding assistance.
Therefore, I was taken aback when I received a call from XXXX on XX/XX/XXXX at XXXX XXXX. saying that movers were onsite. I was taken aback for two key reasons : ( 1 ) I had not received any previous communications from XXXX and therefore, did not sign an agreement with them for moving assistance, and ( 2 ) no one had shown up at my location ( Security_Verification of No Arrival_ XXXX ; Movers Onsite_XXXXd Email ; Movers Onsite_Mask Protocol_ XXXX Email ). In speaking to the representative from XXXX I explained I had not agreed to any services ; I had already contacted XXXX and there was nothing in their system about XXXX being contracted for my request ( i.e., no order ) ; and no one was onsite despite the representative informing me that the movers had arrived. We were on the phone for 12 minutes ; however, we were not able to resolve any of the issues I raised. Therefore, the XXXX representative was going to get in contact with the necessary parties on his side about the confusion, including the fact that I did not post my job on/through XXXX, to try and figure out what had happened ( XXXX_Call with XXXX_ XXXX ). I never heard back from the representative. The same phone number I was told was the labors called again at XXXX XXXX. ; however, again, no one had arrived at my location at this time ( Movers_ Afternoon XXXX ).
The XXXX representative informed me that an email had been sent to me on XX/XX/XXXX outlining the job and conditions. To reiterate, I did not post my job on XXXX and I did not receive the email the representative referenced until they emailed me on XX/XX/XXXX saying that movers were onsite. Therefore, I did not reply to the email sent on XX/XX/XXXX to confirm my receipt and agreement to this moving contract in order for them to proceed with my job as requested in the XXXX email ( Welcome_Order Confirmation_ XXXX_Not Received ).
Therefore, I am disputing this charge for two reasons : ( 1 ) I did not agree to receive moving services from XXXX and ( 2 ) movers never arrived at my location as XXXX indicated they had. The result of no movers arriving is that I never had a chance to utilize any services from XXXX yet I have still been charged {$780.00}.
XXXX Update : Upon re-reviewing my email, I discovered a payment processing email sent on XX/XX/XXXX with an attached document titled Moving Helper Contract from XXXX ( Order Payment_ XXXX Email ; Electronically Signed Contract_XXXX Email ). The discovery of this email and contract does not change my attestations as, to reiterate, I do not understand how XXXX determined that I had contract with them for moving help based on the following : 1 ) The document states that I had electronically signed the contract ; however, it does not have my signature on the document.
2 ) I did not receive the XX/XX/XXXX Welcome to XXXX email. Therefore, I did not provide any confirmation/agreement to XXXX that I would be utilizing any services with them as XXXX requested at the beginning of their own email, which states : Please reply to this email to confirm your order.
3 ) This same email also states, Please reply to this email to re-confirm your receipt and agreement to this moving contract you made online with XXXX so we can proceed with your job. As I did not visit XXXX online site, there was not any moving contract initiated or signed by me.
4 ) The fact that I did not have a contract with XXXX is consistent with what XXXX communicated to me when I called to verify what, if any, information they had in their system.
In addition, movers never arrived at my location ; therefore, XXXX did not provide any service for which they have charged me {$780.00}. The fact that no one arrived to provide moving assistance would not have been consistent with their contractual obligations if such an agreement existed.
Therefore, I requested that the amount charged by XXXX by credited back to my checking account as 1 ) I did not agree to services from XXXX and 2 ) no services were provided by XXXX ( i.e., no movers arrived at my location ). However, the final decision issued by my bank has indicated that the charge of {$780.00} was not made in error and therefore, the provisional credit was reversed and the charge of {$780.00} will stand, which I do not understand based on the information and support I have provided and the basis I have for disputing the charge.
|
| 12/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
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I had 3 accounts with Bank of the West in XXXX Ca that I opened in XXXX.
One account was a joint business account, and 2 personal accounts. The reason for 2 personal accounts was because the first personal account I opened was problematic. The bank would keep charging me a monthly service fee when the checking account was to be free, with not monthly service fee. I would have to continuously go to the branch and have them reverse charges. After several months, the bank closed that account and opened me a new account to fix the problem. When I opened the new account I had moved from XXXX to XXXX, and gave the bank my new address for my personal account, and my new address for the business account as well. This was done in late XXXX. I had always received my statements and all other correspondences from Bank of the West at my new address in XXXX.
On several occasions I made cash deposits into my new personal account so that the money was made available immediately. However, the teller deposited the cash in the old account that was suppose to be cancelled, causing new XXXX fees for my account. After having the branch manager XXXX involved, she told me that she took care of the problem and I would not have to worry about it again.
After banking with them for XXXX years, I sold our business and moved to XXXX Never having a problem receiving any correspondences from bank of the west. I called and spoke with XXXX to cancel my personal account on XX/XX/XXXX. XXXX asked me for my XXXX address because after closing my account, there was a small balance of {$1.00} cents that would be mailed to me.
In XXXX I get a call from a collection Co. The XXXX XXXX XXXX stating that I had over a {$300.00} balance for NSF fees from Bank of the West Ca. They informed me that they reported to the credit bureaus and that it would effect my credit. They also told me that the bank had sent many notices to my XXXX address to inform me of the account. I explained to the collection company that I had moved from XXXX to XXXX in XXXX and that the bank knew it was an old address and why would the bank send the notices to an old address. Obviously, I was shocked and told them that their was a mistake and they informed me to contact the bank. I called the bank and spoke with the Asst. Manager XXXX. I told her what happened and she told me that she remember me calling and speaking with one of the girls about closing my account, because of the relationships that me and my business partner build with the employees at the branch. I had taken out a business loan as well as a equity line with the Bank. XXXX informed me not to worry and to call the collection company and tell them that the bank will fix the problem.
The following day XXXX found out that the account was never closed and that their was a automatic payment that came out of that account every month that put my account in the negative starting in XXXX. I contacted the company and gave them my new XXXX info for future withdraws. XXXX then informed me to go ahead and pay the negative balance to the collection agency and then bank of the west will remove the collection account from my credit once the negative balance has been paid by me.
At that time, I was upset for 2 reasons. 1, I had to pay the negative balance even though it was not my fault that XXXX did not do her job and instead closed the wrong account that was suppose to have been already closed years ago. She ended up closing the old account that was suppose to have been closed by XXXX XXXX years ago. However, it was more important to me to have good credit and get the collection account off my credit report. After paying the account off XXXX told me she needed to get approval from the district manager XXXX.
After one week XXXX called to tell me that XXXX said it was my fault for not checking my emails that Bank of the West had sent me back in XXXX and XXXX letting me know that my account was negative. I told XXXX that not only did I not receive the emails, but that I canceled my online banking and unsubscribed to any bank of the west emails because I closed my accounts. I had expressed concerns with XXXX that how could XXXX close an account that was already supposedly closed 6 years ago, and that she should have know which account to close since I had already closed that account twice and that I knew I was only suppose to have one account instead of 2 accounts. Also, why would the bank send the statements and notices to XXXX my old address, and not my new address in XXXX, especially since the statements all have my XXXX address printed on them in the first place. XXXX said it did not matter, and that I should have followed up to make sure it was done. I told XXXX that I should not have to follow up with the bank to make sure that the employees due their jobs correctly, and that if they would have closed the old account when they were suppose to, then the problem would have newer happened to begin with. Also, if the bank had sent the notices to the correct Ca address then again the problem would have been taking care of.
I am asking the CFPB to please help me in this important matter, and let the bank know that they are in the wrong, and to have them remove this from the my credit report, and to have the XXXX XXXX XXXX XXXX remove the paid collection from my account as well.
Thank you for your help!
|
| 06/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
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In mid/late XXXX 2019, I called the Bank of the West at XXXX XXXX XXXX. in XXXX, Ca to close my bank accounts. I had spent the previous months making sure that all of my direct deposits, ACHs, etc., had been properly moved over to my new bank before doing so. On XX/XX/XXXX, I received a notice from my bank, who is also my employer, that my accounts were going to be closed because Bank of the West had sent me to XXXX. The following week after the holiday, I called Bank of the West 's XXXX number to find out what was going on. Apparently after what I assumed was the closing of my account, XXXX attempted a debit from the still opened account ( I have a separate complaint with them ) and it was of course returned. That incurred a {$35.00} overdraft fee. It happened again, {$35.00} more. Then came the {$30.00} extended-time overdraft fees, several over the next month, and a {$12.00} account maintenance fee. The total when they FINALLY closed the account ( on their terms apparently ) on XXXX XXXX, 2019 was - {$290.00}. This was very surprising and disturbing at the same time. Since I didn't feel this was my fault because of the steps I had taken to transfer everything and close the account in XXXX. I asked how I could get this wiped and resolved, and I was given a phone number to call ( XXXX XXXX ). It was in fact NOT a department within their bank, but an outside collection agency called XXXX XXXX XXXX. My first two attempts to speak with someone were unsuccessful, as their computer system was down when I called. On my third attempt ( Friday XX/XX/XXXX at XXXX ), computers were up, and the woman on the phone informed me that they did not have any of my information. She was very nice and attempted to find my file again, to no avail. She referred me back to Bank of the West. This is when I lost my patience. I called the XXXX again, explained my situation AGAIN. I was put on hold so that they could gather some information, and when she returned to the call I was told that the problem was it takes 45 days from the date that THEY closed the account ( XX/XX/XXXX ) until the collections company receives my file, which at the point was still over twenty days away. I informed them that I could not wait that long to have this cleared up. I told them that I didn't even care anymore about the XXXX up on the non-closure in XXXX, and I was willing to pay the amount to have it cleared off of my records, I can not have this issue. They said they could not take payment from me. I then realize that I am in banking limbo. I told them repeatedly that I want to pay it, they told me I couldn't. I offered every which way to pay it, money is not an issue, and they told me that they couldn't accept payment. I made them clarify that fact to me. I told them then that I needed something in writing stating this, stating that although I am attempting to clear it and have it removed from XXXX, I am in this in between time where they will not accept any payments from me. I was then told that they could not send an email stating this from the call center, but that this matter would be sent over to the branch in XXXX, to their branch manager XXXX XXXX and he would be contacting me Friday ( XXXX ). On my lunch, I called and he was unavailable, so I left my name. At XXXX the same day I called and was told he was not there. Three days later on Monday XX/XX/XXXX, I finally received a call from XXXX XXXX, not the branch manager, at XXXX and missed the call but I called back and got her right away. I again re-told the entire story, and explained that all I want since my payment is not being accepted is to have that fact in writing. She said that she would pass along the information to the branch manager " XXXX '', and he would contact me. Again, my patience was at its end and I told her that he was supposed to have contacted me FRIDAY and the fact that she was the one that called was unacceptable. In my frustration overload and keeping my direct supervisor apprised of everything going on in the situation, he stepped in to help me escalate the situation by calling the branch to request the name and number of their area manager. With much hesitation and unwillingness by XXXX to provide that information and attempting to keep it in the branch by offering to speak to the branch manager, who was not available. When she was told that was not sufficient, XXXX reluctantly gave the name of the SVP Regional Manager, XXXX XXXX, and the phone number for his assistant XXXX XXXX. I called and left a voicemail, with as much information that is appropriate for a voicemail to someone that has no idea about the situation. At XXXX " XXXX '' called and left me a voicemail, and because I was in middle of parenting, by the time I was able to call back, no one was at the branch. Today XX/XX/XXXX, I called and spoke with XXXX finally at XXXX. I retold the story, and again told him that all I want is something in writing stating that I am in this banking no-man's-land and that I am attempting to pay this and have it removed from XXXX but I can not because of how their system is set up. He told me he needed to " do a little research '' and he would get back to me and didn't know if he'd be able to put those facts in writing. I am still waiting several hours later for more communication.
|
| 08/23/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : Contract Number XXXX The Bank of West # XXXX, The Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX Dear Sir or Madam : My name is XXXX XXXX, I am writing to dispute/remove a billing error in the amount of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on the account XXXX* with The Bank of the West. The account # XXXX* is not my account, it belongs to my ex-husband XXXX XXXX XXXX XXXX . In XX/XX/XXXX during our marriage, XXXX XXXX took a loan the Bank of the West ( Contract # XXXX ) to purchase a boat XXXX XXXX XXXX XXXX.
This boat was registered oXXXX XXXX XXXX XXXX XXXX name. XXXX XXXX purchased this boat for himself and wanted to keep it, the ownership of this boat, as well as a responsibility of the loan, was assigned to XXXX XXXX as it was stated in the Divorce Dissolution order : The Husband ( XXXX XXXX XXXX ) shall be entitled to exclusive use and ownership of the boat, and shall hold the Wife XXXX XXXX XXXX ) harmless with regards to any loan or lien. [ XX/XX/XXXX, the XXXX Court, Fifth Judicial Circuit in and XXXX County, Florida ].
In addition, I do not believe that I sign this contract. I am a foreigner, and during the whole marriage, I was not allowed to make any financial decisions. XXXX XXXX XXXX XXXX often sign documents on my behalf.
In XX/XX/XXXX, it came to my attention that my credit score went significantly down. It was due to the Bank of the Wests record of the boat loan account. From my credit reports [ XXXX, XXXX, and XXXX ] I discovered that XXXX XXXX has stop paying for the boat on XX/XX/XXXX [ 120 days in delinquency at that point ], then he voluntary surrendered it to the bank.
I immediately called the Bank of the West. The Bank of the West representative [ XXXX XXXX ] stated I have a diligent account with this bank, I owe the payment for an outstanding balance of {$15.00}, XXXX. I sent a certified letter with a copy of the divorce dissolution and explained that I dont have any legal responsibility on this loan. During the 120 days of the period of delinquency, deficiency and the irregular payments from XX/XX/XXXX-XX/XX/XXXX, the Bank of the West has never contacted me. I have never received any response from the bank and, to make sure that this issue was solved, I contacted the bank again by phone. Since the bank neglected to respond to my letter, I requested the bank representative ( XXXX XXXX ) to record our conversation. XXXX XXXX has assured me that our conversation was recorded.
I sent 3 certified letters to the Bank of the West [ XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX] with a request to clear my account and correct my credit score. I called again several times but did not get any reasonable answer. Only onXX/XX/XXXX I received a EXPLANATION OF DEFICIENCE AND DEMAND FOR PAYMENT letter from the Bank of the West, in which it was stated that I am responsible for a deficiency on the loan and I must pay a remaining balance of XXXX.
If the Bank of the West holding me responsible for XXXX XXXX XXXX XXXX account, then the Bank of the West required : Notify me in writing that XXXX XXXX has surrendered the boat and I am considered responsible to pay it.
Notify and not allowed to put the boat on the auction and sell it without me letting me know about their actions.
Notify me about the delinquent account in a timely manner.
The Bank of the West Bank ignored/ neglect my letter ( s ). The bank has notified me about considering me liable in letter only 266 days after XXXX XXXXXXXX has surrounded the boat and 120 days after the boat was sold.
I believe that the Bank of the West is accountable for damaging my credit score and should contact all three credit bureaus to correct their records on my credit score. I dont believe it can be legal for the bank to pass a loan from XXXX XXXX XXXX XXXX to me, to create a significant debt by the auction short sale and dramatically damage my credit score and, consequently, my financial standing.
I believe it is a standard procedure that a bank, as any business, is required to address received inquiries and to respond in a timely manner.
I also understand that the bank was required to reply to my first request ( XX/XX/XXXX ) within 40 days and, by not doing this the Bank of the West had neglected my rights.
With this letter, I respectfully request you to investigate this situation, remove my name from this loan account, and correct my credit report. I would really appreciate your efforts in standing for the consumers rights.
Sincerely, XXXX XXXX Enclosed : A copy of the letter from the Bank of the West Demanding Letter, XX/XX/XXXX.
A copy of pages from final Judgment of a Marriage dissolution.
Receipt Certified Mail Receipts Cover Sheet for Family Court Case A copy of Motion for Civil Contempt/Enforcement.
A copy of my first letter to the Bank.
A copy of my second letter to Bank.
A copy of letter response from the Independent Bank. [ XXXX XXXX XXXX had 2 delinquent accounts, with the Bank of the West and with Independent Bank- independent Bank sent me the letter in response to my request ].
|
| 02/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I was hacked and 72 transactions that came out of my account over 3 days were not noticed or flagged by Bank of the Wests fraud team and that removed XXXX out of my bank account. Banking failure, not customers.
As soon as I found the packages on my doorstep, I called the bank immediately. I then spent an hour and a half going through each transaction line by line with a agent from BOTW, then was told to go to the branch to sign documentation and get my claim rolling. I then found out my previous nights chat was wasted as it was nowhere to be found and I had to do the whole line by line process over again, for another hour and a half. This is a failure and not customer friendly. Also, when I was at the branch, the agent stated that I have never seen anything like this in my life. He also added up and we did it together the sum lost was XXXX XXXX dollars.
I was then asked by XXXX XXXX my contact at Bank of the Wests fraud department to go over the same transactions again, right after doing the very same procedure the night before. Bad practices.
I was originally told that my money would be returned via the hack after 5-7 days. I was asked if I had enough money to hold me over until then, knowing full well that this bank had every penny I had. After 3 weeks of non-communication, I was told that the bank decided to hold all my funds for even longer, another 30-90 days. I found this out not via my contact person from the fraud team, but after I decided to call the fraud departments XXXX number.
Why this money had not been returned after 9 months is unacceptable to anyone in the financial community, as I was told by many other bank officials about this. Bad practices.
Due to the lack of communication from the bank to myself, and the bank fully aware that it had all my money, it did nothing to help me pay my bills, nor expedite the problem. This turned into such a long process that I had to get a personal loan against my house due to BOTW failure to flag the 72 transactions, failure to process this claim quickly, failure to communicate with you customer in a timely manner and failure to care one way or the other after myself deposited millions into your banking institution.
The outcome was a mere {$2200.00} returned due to XXXX XXXX explaining to me she just got a managerial job and didnt have time to do the claim, after 90 days! The supporting documentation by XXXX XXXX explains a {$6000.00} motorcycle, and my file of my transactions adds up to more than {$2200.00} and the agent at the bank and I came up to XXXX XXXX.
There was also monies from the 3 other accounts that were frozen but I can not get that info. If there wasnt, why freeze all 4 accounts?
And why was my claim shredded before I went to the bank after finding out the final result? Banks can not shred claims. Illegal.
Regarding the cashiers check. The bank signed off that this check was verified after watching the controller place a phone call and then telling me it was.
The bank held me off until the bank collected the funds.
The bank directly texted back and forth with the owner of the cashiers check. Involvement.
A officer of the bank, called me and told me the bank had collected the money and everything was fine and to come down and wire the cashiers check signer his money for transportation of the purchased XXXX XXXX. If an officer of the bank tells a banking customer that the funds were collected, then its the banks fault for anything after that fact.
A bank after depositing funds into a account can not withdraw funds from a account per OCC Law, and that is exactly what happened to me. Illegal.
After the banks controller called me, and only because he told me the funds were collected, did I make checks out to the workers on my property, and the very same branch and controller paid those checks out in cash. Banks failure misleading the customer.
I had a Mastercard that the bank used to lower my debt from XXXX to XXXX, without me ever verifying it or using it. It still has the tape over the top you have to peel before using. Illegal.
Due to the banks failure to verify, confirm collected funds, a officer calling me to give me the green light, and due to negligence, Ive been sent to collections, have a chex systems value to absorb, have not been able to get another bank account, and have sold all my assets such as my XXXX XXXX Ive had since I was XXXX, have had my credit score destroyed, and all my money withheld by the very same bank that took in millions from myself, is not being pro-active on this subject. Pain and suffering.
I have had accounts hidden, I have been harassed, I am now wondering where XXXX XXXX went in 3 years and will find out since there are so many changed bank statements, so many wired funds to who knows where, the fact that XXXX the bank president was fired, the fact the controller was fired, the fact this smells of XXXX XXXX.
Ive been asked to present this to you by the media outlets, they gave me the information to get this to you. I hope they are correct in thinking you can help.
Thank You.
|
| 01/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Hello, On XX/XX/2022, I opened a credit card with Bank of the West ( XXXX ). After setting up my online account, I found that the website did not allow for even the most basic account management or support services ( examples below ). My chief complaint is that it is virtually impossible to find any information on closing the account or to reach customer service for that purpose, despite spending hours on hold and online attempting to do so.
Issue # 1 : Setting up Autopay- only two options for autopay : pay the full balance amount or the minimum balance. Setting up recurring payments for any alternative amount is " unavailable '' and can only be found on a separate section of the website ( Scheduled payments, not Auto-pay ) which makes it unclear if additional payments must be made to avoid penalties for non-payment of the minimum balance due. This seems like a deliberate ( and illogical ) way to set up the website, allowing them to disable the section for " choose your own recurring payment '' and forcing customers to choose between paying the entire balance or the minimum ( resulting in maximum interest accrual ). As a result, most consumers would be forced to forgo auto-pay completely and risk steep penalties for missing or late payments more likely to be incurred.
Issue # 2 : Automated phone service using the 24-hour Customer Service line requires you to manually enter all of your information including all credit card information including security code, birthdate, and full 9-digit social security number. This is excessive, unnecessary, and not a secure way of confirming a customer 's account. Hold time for each call was well over 1 hour each time I called with no option to request a callback. The online chat support is a dead link that reads " unavailable. '' There is no option to receive account support by email or online chat. You must call the number and be subjected to excessive hold times of over one hour. I never got through to a representative, so I have no idea how many hours it would take to actually reach someone. Based on reddit, this is a common occurrence.
Issue # XXXX XXXX services unavailable : In addition to " recurring payments '' and " online chat '' being unavailable, the balance transfer feature on the website is also unavailable. The card was advertised as offering a low rate for balance transfers, so presumably this a primary purpose for signing up. I am now grateful that I was unable to transfer a balance to the card and still have a XXXX balance.
Issue # XXXX : Can not close account. After hours of scouring the BOW website and XXXX, there is virtually no information on how to close a XXXX credit card account. You can find sparse information on closing a BOW bank account, but nothing for credit cards. Again, since there are no available resources online including chat or email support, I was on hold for hours with no human contact at any point. There is no automated menu option for " close account. '' I tried calling every customer support and BOW credit card related phone number I could find with the same results. I called back the number used to activate the credit card and reached a live agent who adamantly insisted that he could not assist me with closing the account, using the card, or transferring me to another department or XXXX who could assist me. He repeatedly shouted over me that he can only activate the cards and hung up on me after only a few minutes.
I called XXXX BOW bank branches- XXXX in XXXX XXXX who told me they could not assist with credit cards and to call the customer service number, even after I explained my previous efforts. I called the XXXX XXXX bank branch who swiftly transferred me to a representative who was ( finally ) able to close my account. However, she refused to provide me with any type of reference number or information regarding the call to actually confirm that my account had been closed. She refused to email or text me anything in writing showing that the account had been closed. She claimed that a confirmation letter would be mailed to my home address in XXXX business days. I asked what to do if I did not receive a letter and she told me to call the customer service number. After a few hours, I logged back into BOW and can see that there are virtually no changes to my account, meaning my credit card has not been closed.
This seems like a deliberate scheme to give customers the run-around and make it virtually impossible to close their account. Further, since the online services are " unavailable, '' the cards themself can not be used or managed as advertised or as reasonably expected. The payment options appear to be a deliberate effort to mislead and penalize customers for missing payment requirements or providing unreasonable/undesirable payment amount options. The lack of website functionality and unreachable customer support appears to be a deliberate scheme to entrap unsuspecting customers with no recourse. BOW is a predatory company that needs to be stopped and held accountable.
|
| 09/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am requesting a formal investigation into the business practices of the XXXX, Wyoming branch of Bank of the West.
I am a XXXX female XXXX years old who has lived mostly in XXXX, Wyoming since XXXX, and I have had occasion to deal with Bank of the West a few times over the years, including making deposits for employers. I started using the business lane for the business deposits because I would sit ignored for 10 minutes it would seem when I utilized the other lanes.
On XX/XX/XXXX when I went to make a deposit at the drive-up window in the business lane of Bank of the West in Gillette, Wyoming, the bank teller stated that since I was neither the business owner nor did I have an account at their bank, I would need to come inside and give them additional information in order to make a deposit for my employer.
I spent about an hour inside while the man in charge ( manager or assistant manager ) made mocking remarks about the older female employee who couldnt figure out how to make the computer program work, and he also hummed XXXX XXXX songs, which led to me engaging in conversation with him for the duration of the visit.
One employee helped the other employee get all my information into the system so that I could be authorized to make deposits into the business account. They required my photo ID, my address, and my phone number. During the attempt to put all my information into the system the one employee turned to the other to say that when she put my phone number in there isnt anything out there under that number, as if that was a problem. The only explanation that I can imagine is that she was attempting to access social media information on me and was unable to since I dont have any social media accounts.
I asked them why taking all my information was necessary, and they replied that it was a mandate of the XXXX of XXXX XXXX kicking in ( or the XXXX XXXX or whatever, I forget the exact language ). I asked two other banks that I do business with and they are unaware of the requirements that Bank of the West claimed was the law. At the end of the hour-long ordeal the male asked me if I wanted to open an account there, and I replied No, but thanks for sharing your Bank of the West Happy Hour with me.
The next day when I told my boss what had happened at the bank, she called them to ask for an explanation as to why her employee had to spend an hour at the bank to make a simple deposit. They apologized and told her it wouldnt happen again because I was all set up in the system now, so all I had to do was present a photo ID with the deposit and there would be no further delays.
Yesterday ( XXXX ) I went to the same drive-up window, presented my drivers license and a deposit, and although the service was absurdly slow, as is usual at this bank, there was no problem.
Today ( XXXX ) I went to the same drive-up window, presented my drivers license and a deposit, and waited. A man pulled up in the next lane over and was waited on as one would expect in a bank that was actually providing a service. He drove away. I waited. There were no other customers at the drive through during that time period.
After 9 minutes the woman returned to the window to tell me she needed my phone number. I blew up and angrily told her I spent an hour in there last week and give me back my license and the deposit slip right now. A second woman joined her to say the deposit could not be made unless I gave them my phone number. As the bank video will show, I shared with them some of my favorite XXXX XXXX words and demanded my license and the deposit slip back. A male person then joined the two females at the window and returned my license and the check, undeposited.
Am I an older person being victimized, is it racial discrimination, or is this sexual discrimination against a female?
I would like an explanation for their behavior as well as for them to be held accountable for singling me with what is ( to me ) outrageous behavior.
Please review the bank videos from XXXX to XXXX XXXX on XXXX, XX/XX/XXXX. I believe the hour I spent in there was approximately XXXX XXXX to XXXX XXXX.
Please review the bank videos from XXXX XXXX to XXXX XXXX on XXXX, XX/XX/XXXX. I believe the time I spent there was approximately XXXX XXXX to XXXX XXXX.
In trying to understand what the people at this bank could possibly be doing, or why, because their behavior has been so inconsistent with usual and customary banking practices, I am questioning their motives. They now have enough information on me to open a fake account in my name, similar to the way XXXX XXXX employees created fake accounts a while back.
Based on their procuring my personal information in conjunction with their multiple comments about me opening an account there, I believe a formal investigation into the business practices of the XXXX, Wyoming branch of Bank of the West is warranted.
I would also like an explanation for their negative and unprofessional behavior towards me personally.
Thank you.
|
| 04/25/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
To Whom It May Concern, I believe that the Bank of the West is solely responsible for the errors that the bank made and they are trying to blame me as the culprit responsible for destroying my personal credit. I opened a basic personal checking account on XX/XX/XXXXXXXX at the time I was offered debit card overdraft service. I chose to not opt for the service given the account was just to be used for daily expenses. I was never given a bank disclosure booklet, as I recall clearly that the account representative, that is now retired laughed and threw her hands up into the air, exclaiming that I would not need it and clearly stating " no one ever reads it anyway '' Come XX/XX/ I personally went into the bank branch, in XXXX Iowa on the advice of my mortgage company XXXX XXXX XXXX, and set-up an ACH monthly withdrawal. This was done with a teller named XXXX, I believe. She was familiar with my account and was looking at the computer, looking into my account, while I had XXXX on the telephone. I made the young woman clearly aware, that this was to be used for my home mortgage. Not once was it ever suggested to me that I set-up overdraft protection be linked to my account The bank refers to " DEBIT CARD '' Overdraft Protection, so I am confused if that applies to any overdraft? Basically, I concluded the transaction, without it ever being suggested that I have the protection of any kind linked to the checking account. The problem with this bank branch, in particular, is there is only XXXX account representative that for health reasons was never there. Her name is XXXX XXXX and she replaced the woman that set up my account that never gave me a booklet of disclosures. Ther are two major errors here. 1 ) I never received the booklet 2 ) I was never told that the ACH is drafted dead last and I should have some protection on my account. Perhaps if the bank has a steady account representative. this would have been made a priority. The bank has indeed verified that the priority of the drafts is all but the ACH drafting last. They have blatantly lied that I received a disclosure booklet, I did not. They acknowledge that a pizza was charged along with small nondescript items that forced the bank to return the ACH not once but on XXXX separate occasions. I personally went to the bank branch and spoke with the bank manager XXXX XXXX. She blatantly lied to me. telling me there was nothing she could do to help me. It clearly states in the disclosures booklet that she could have used her discretion to help me. I asked her specifically if she could ensure that the ACH would clear my account and she told me there was nothing that she could do. So here are more errors, She should have told be about overdraft protection and she could have made sure that the ACH cleared my account but she just sat there and stated there was nothing she could do. The last straw here is the bank representative who now has been assigned to my case, clearly lied as well. XXXX XXXX XXXX. She blames me for no knowing of overdraft protection to ensure my account. She further states that I had the option and refused it. That was a year before I set up the ACH. She furthermore claims that everybody gets a disclosure booklet when opening an account. I did not! She also claims that yes, the funds were present at the beginning of the day in my account but the bank honored everything else but my ACH draft. Not once but 3 times they bounced it back! XXXX XXXX further states that it was the fault of XXXX XXXX XXXX that did not draft the account until 2 days later. What difference does that make, I had no protection on the account. She also claims that I have never tied personally to rectify the mistakes personally with her. My wife called her many times. My wife specifically told XXXX XXXX that I suffer from a brain injury that affects my memory and causes me confusion. So again that is another blatant lie. In the meantime, my credit has been destroyed by this bank. No lender will touch me for at least a year or more. I am a senior citizen. I have health issues. I have my home up for sale because I need more medical care than the community has to offer. I need to be closer to a major medical center. My wife told XXXX XXXX that my medical ailments could be verified. She told my wife that she could not discuss the case with her. What matters most here is that I have been lied to on many occasions. I have been neglected by this bank. I should have been directed to an account representative that was familiar with overdraft protection when setting up this ACH, not some 20-year-old teller that has no banking experience. This Bank of the West is constantly advertising in the small town paper for help. The staff comes and goes. They are young and inexperienced. My life has suffered greatly because of their lack of responsibility and for their neglect. This XXXX, Iowa XXXX has a bad reputation in town, they should be closed down. Thank you.
|
| 02/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX XXXX XXXX President and Chief Executive Officer XXXX XXXX Executive Vice President, Head of the Retail Banking Group.
XXXX XXXX Senior Executive Vice President.
XXXX XXXX Senior Executive Vice President.
XXXX XXXX Senior Executive Vice President, General Auditor.
XXXX XXXX XXXX Branch Manager, Assistant Vice President XXXX, Kansas Subject : XXXX and XXXX XXXX revised claim against the Bank of the West, in the amount {$59000.00}.
Attachments one ( 1 ) and two ( 2 ) [ provided for documentation purposes. ] The history of this claim is available thru the Customer Feedback and Resolution Team-BOW or the eighty-four ( 84 ) emails provided to XXXX XXXX XXXX Branch Manager, Assistant Vice President XXXX, Kansas. and/or the emails generated internally by the Bank of the West.-not available to the undersigned.
Customer Feedback and Resolution Team-BOW sent letter dated XX/XX/XXXX XXXX, which does not take issue with the underplaying facts and actions taken by the Bank of the West, at the same time states that the Bank of the West handle this application in accordance with our standard polices and procedures.
Limiting this letter to addressing to the Customer Feedback and Resolution Team-BOW findings : Is it in accordance with Bank of the West standard polices and procedures to : 1. Soliciting loans after already denying previous loan application.
BOW contacted us ( a XXXX XXXX type of activity ), we did not contact BOW for the loan application XXXX. BOW told XXXX and me, we would have the 1st and 2nd, mortgage paid off ; we would be able to pay off our loans, credit cards, make up grades to our house and have cash reserves for emergencies. Generating a dream for us ( to be only crushed months later ).
2. Take {$490.00} from our bank account for an appraisal for a loan that BOW knew or should of know it would not make, ( Being told that it was standard polices and procedure for BOW to have approval before ordering the appraisal, so it customers ( us ) would not have to bare this expenses.
3. VA benefits application was due to XXXX XXXX, who contacted us and started the loan application process number XXXX, who assured us that he, would get us finance. And further let our dreams grow.
4. On XX/XX/XXXX XXXX XXXX informed us ; we could close in less than thirty ( 30 ) days, end of XX/XX/XXXX and would no payment in the month of XX/XX/XXXX and possible XX/XX/XXXX, depending on time.
5. Having its customers ( XXXX and I ) to believe from XX/XX/XXXX to XX/XX/XXXX that the loan application was processing and there was no problems and on Tuesday the XX/XX/XXXX, we were told that we would be signing by Tuesday the XXXX the following week. ( Reference : XXXX XXXX email to XXXX XXXX dated XX/XX/XXXX XXXX ) [ From XX/XX/XXXX to XX/XX/XXXX-IF THAT IS NOT MISLEADING, WE DO NOT KNOW WHAT IS! ] 6. That the Customer Feedback and Resolution Team would not sign their names to their letter, that XXXX XXXX, Customer Direct Sales Manager/Assistant Vice President would not return our telephone call, even after XXXX XXXX XXXX Branch Manager, Assistant Vice President XXXX, Kansas telephoned and sent email requesting that XXXX return our telephone calls. Neither have XXXX XXXX nor his manager returned our telephone call. ( Note singularly telephone call- not multiples ).
6. The notice of action taken has to this date has not been received and therefore BOW has not provided service as required by law, we consider the loan process on going.
7. If the notice of action taken states the same reason for action as our original request for a loan, either a demonstration of miss-leading us for months or perhaps that since the VA would not grant the loan, we are possibility the victims of age discrimination.
8. Directed us to issue Authorization for Payoff and Closure of loan/Credit Line for the XXXX XXXX XXXX XXXX, making us as liars as we were going to payoff, since we did not.
9. Closing disclosure was not signed by us, not once, not twice but thrice.
10. On XX/XX/XXXX XXXX XXXX informed us ; we could close in less than thirty ( 30 ) days, end of XX/XX/XXXX and would no payment in the month of XX/XX/XXXX and possible XX/XX/XXXX, depending on time.
The Bank of the West has put us thru XXXX, in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. Crusting our dreams and hope.
As in all disputes there are errors made on both sides, the only mistake than we made was putting our trust and faith in the Bank of the West-all other errors are yours.
Bank of the West has a decision to make, not a loan approval application decision, nor a legal decision, but a BUSINESS DECISION.
We wish to resolve this dispute fairly, with out publicity and looking forward to discussions with either yourself or your fully authorized representative.
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX XXXX Cowboy UP!
|
| 02/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing for an investigation to dispute the inaccurate and erroneous information Bank of the West is reporting to the credit card bureaus.
It started when an online scammer that placed a charge to my credit card ending in XXXX for the account of {$21.00}.
I opened a dispute with Bank of the West Case ID : XXXX See attachment.
Due to my mother was infected with XXXX, I had to travel outside the country from XX/XX/2021 to XX/XX/2021 and thus I was not aware of the late charges placed on my account.
When I return, Bank of the West had added late fees for the last 2 months for the amount of {$83.00} and reported to the credit bureaus on on two 30 day late reports on XX/XX/2021 and 30 day late on XX/XX/2021. These charges must not have been imposed on my account during an investigation according to the Fair Credit Billing Act. See below.
https : //www.consumer.ftc.govXXXX The Investigation The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against your credit limit.
The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. However, the creditor may report that you are challenging your bill. In addition, its against federal law for creditors to discriminate against credit applicants who exercise their rights in good faith under the FCBA. For example, a creditor cant deny you credit just because you've disputed a bill.
If it turns out that your bill has a mistake, the creditor must explain to you in writing the corrections that will be made to your account. In addition to crediting your account, the creditor must remove all finance charges, late fees, or other charges related to the error.
If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money.
If the creditor 's investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. At this point, you'll owe the disputed amount, plus any finance charges that accumulated while the amount was in dispute. You also may have to pay the minimum amount you missed paying because of the dispute.
If you disagree with the results of the investigation, you may write to the creditor, but you must act within 10 days after receiving the explanation, and you may indicate that you refuse to pay the disputed amount. At this point, the creditor may begin collection procedures. However, if the creditor reports you to a credit reporting company as delinquent, the report also must state that you don't think you owe the money. The creditor must tell you who gets these reports. The creditor also must promptly report any subsequent resolution of the reported delinquency, to everyone who got a report.
Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late or takes more than two billing cycles to resolve a dispute, the penalty applies. The penalty also applies if a creditor threatens to report or improperly reports your failure to pay during the dispute period On XX/XX/2021, Bank of the West finalized the investigation and credited my account the {$21.00}. See attachment.
I called the bank to dispute the my late fee charges and to clear my credit report. Although 2 costumer service representatives were very reluctant to dismiss the charges stating that Bank of the West policy does not allow them to dismiss late fee charges, I asked for a supervisor and I evoked the Fair Credit Billing Act ( FCBA ). And eventually the late charges were dismissed.
Now my issue is that when I applied for another credit card, it was brought to my attention that my XXXX XXXXredit score has gone down considerably. After contacting the 3 credit bureaus, They stated that Bank of the West is still reporting two 30 day late charges for XX/XX/2021 and XX/XX/2021 ( see attachment ) and although I opened a dispute with the bureaus, They stated I need to contact Bank of the West to clear the error.
|
| 04/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We started talking with XXXX XXXX of Bank of the West in XXXX XXXX about refinancing our home loan. By XXXX we had Terms and Rates em ailed to us and made a decision regarding the program that was best for us. ( see attached documents from Bank of the West ) B y XXXX we had signed and returned the paperwork to XXXX regarding our choice of loan. XXXX XXXX XXXX XXXX more paperwork and Disclosures. A form to complete to pay for the Appraisal, however to quote the Bank of the West email from XXXX XXXX on XX/XX/XXXX " ***PLEASE NOTE*** Do not complete the appraisal form, we do not want you to pay anything until we get full underwritten approval. '' He then ordered the appraisal! So we thought we were approved per his emails. XXXX picked out an escrow and had them send us the refinance papers, so we had an approval, an escrow, appraisal was ordered, we started a bank account at our local Bank of the West for the month loan payments to be taken out of .... Then, when we had been told many times we would close before the end of XXXX , on XXXX XXXX XXXX we received a letter declining our loan due to " XXXX XXXX ''. We found out later XXXX had not even listed some of our income. XXXX assured us this letter was a mistake and we were still going to close, it would just take a little longer. He continued processing our loan and requesting more information. The terms were changed again by Bank of the West and we received more Disclosures, Rate Locks, Loan numbers, etc ( see attached paperwork ) on XXXX XXXX XXXX XXXX XXXX . If you are getting paperwork from a bank, you assume that you have a valid loan being processed. On XXXX XXXX XXXX we once again received a letter DECLINING our loan. We were ready to move on to another lender. XXXX promised that it was just Routine paperwork and to ignore it as the appraisal should be back any day. He promised if we stayed with the Bank of the West program that they would credit us back the difference between our old loan payment and our new loan payment for 2 months @ {$1900.00} per month and refund the appraisal fee which had been charged again on XX/XX/XXXX . The paperwork clearly shows that we had loans in the process, so we felt confident that our home would be refinanced. Finally after receiving yet another Estimated Closing Cost Statement from XXXX XXXX on XX/XX/XXXX we realized that we needed to speak to a supervisor to get this loan completed. Every time there would be a delay it was because XXXX was getting an " exception '' from his supervisor to move forward. On XXXX our property insurance had already been changed to Bank of the West as the Payee, th is is not done until the refinance is completed. Our credit had been run so many times if had negatively affected our credit scores! At the end of XXXX we had enough excuses and had XXXX set up a meeting with his direct supervisor XXXX XXXX at the XXXX XXXX XXXX Bank of the West. When we showed up for the meeting, XXXX was out of the office and XXXX XXXX had NO idea who we were. He said he had never heard of us. XXXX XXXX also promised to get to the bottom of our issue and help us complete our loan. We talked to him ONE time and then he would not return our phone calls. We were at underwriting at that point and continued to send in more paperwork. By the middle of XXXX we were told that Bank of the West loans on the strength of Tax Returns and that we did n't qualify. Keep in mind that these were the same tax returns we had submitted 7 months previously and were good enough to keep the process going since XXXX . XXXX actually called us and said he would keep our file open until we received our XXXX tax returns. How can this be allowed and how can a Federally Regulated Bank do this t o Consumers! We continued with Bank of the West because we had invested so much time and trust in them. Having gone through this painful process, I have reached out to other financial companies that have told me Bank of the West will give our Pre-Qualification letters and start loans knowing that you do n't qualify to be funded. There is NO excuse for the treatment that we had by XXXX XXXX at Bank of the West. When XXXX XXXX stepped in to help with our loan, he made it worse. I want the public to know that this Bank is no t one w ere they should place their trust or their money.
|
| 10/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
THERE ARE LAWS IN PLACE FOR DECEPTIVE BANKING PRACTICES AND I WILL PURSUE LITIGATION TO THE UTMOST EXTENT *********** 1005.17 Requirements for overdraft services. ************ I never requested any extension of credit from Bank of the west.Bank of the west took it upon themselves to extended credit to me the consumer without an explicit request or contractual agreement to do so and then decides to tack on an overdraft fee for a transaction that should have been declined DUE TO insufficient funds.I NEVER REQUESTED ANY FORM OF CREDIT OR OVERDRAFT PROTECTION FROM BANK OF THE WEST nor did I SIGN ANYTHING OPTING INTO A CONTRACTUAL AGREEMENT FOR OVERDRAFT PROTECTION or any other form of CREDIT.
XX/XX/XXXX I received a letter from BANK OF THE WEST stating that they extended credit on my behalf.No where in that letter does it state I asked or requested this service.
****WHICH IS ATTACHED*** Bank of the west states : Checking Account XXXX became overdrawn on XX/XX/2018 when a debit card transaction in the amount of {$59.00} to XXXX was presented for payment against an account balance of {$2.00}. Due to insufficient funds, the Bank paid the item and assessed a {$35.00} Paid Overdraft Fee the following business day.
DUE TO INSUFFICIENT FUNDS, THE BANK PAID THE ITEM .. AT WHOS REQUEST? WHO REQUESTED THAT BANK OF THE WEST EXTEND CREDIT? WHERE IS THE SIGNED DOCUMENT OR RECORDED PHONE CALL WHERE I XXXX XXXX OPTED INTO A CONTRACTUAL AGREEMENT IN WHICH BANK OF THE WEST WOULD PROVIDE CREDIT SERVICES bank of the west needs to provide proof THAT I XXXX XXXX REQUESTED THIS ACTION TO TAKE PLACE I want to see the IP ADDRESS USED THE USER-AGENT TIME OF DAY DATE when it was requested to opt in to overdraft protection AND THEN I WANT TO SEE THE LETTER THAT WAS SENT CONFIRMING I AGREED TO OVERDRAFT PROTECTION AS THIS IS WHAT IS REQUIRED UNDER THE LAW.I also want to see the document tracking number that bank of the west sent to my address confirming I opted in for overdraft protectionTHE DATES FROM THE ELECTRONIC REQUEST TO CONFIRMED MAILING DATE with tracking number should be within reasonable time.
It is unfair and deceptive for BANKS TO PROVIDE OVERDRAFT PROTECTION WITHOUT A CONSUMERs explicit request FOR ITHERE ARE THE LAWS IN PLACE GOVERNING THIS TYPE OF CRIMINAL BANKING PRACTICE AND I WILL BE SEEKING ACTUAL DAMAGES IF THIS FOUL BEHAVIOR IS NOT RECTIFIED 1005.17 Requirements for overdraft services.
( b ) Opt-in requirement ( 1 ) General. Except as provided under paragraph ( c ) of this section, a financial institution holding a consumer 's account shall not assess a fee or charge on a consumer 's account for paying an ATM or one-time debit card transaction pursuant to the institution 's overdraft service, unless the institution : ( i ) Provides the consumer with a notice in writing, or if the consumer agrees, electronically, segregated from all other information, describing the institution 's overdraft service ; ****BANK OF THE WEST DID NOT PROVIDE ANY NOTICE IN WRITING CONFIRMING MY CONSENT TO OPT IN**** ( XXXX ) Provides a reasonable opportunity for the consumer to affirmatively consent, or opt in, to the service for ATM and one-time debit card transactions ; ( iii ) Obtains the consumer 's affirmative consent, or opt-in, to the institution 's payment of ATM or one-time debit card transactions ; and ****PLEASE PROVIDE THE DOCUMENTS OR RECORDED PHONE CALL WHERE BANK OF THE WEST HAD MY AFFIRMATIVE CONSENT**** ( iv ) Provides the consumer with confirmation of the consumer 's consent in writing, or if the consumer agrees, electronically, which includes a statement informing the consumer of the right to revoke such consent.
****PLEASE PRODUCE A TRACKING NUMBER TO THE LETTER BANK OF THE WEST SENT CONFIRMING I AGREED TO OPT IN***** ( 2 ) Conditioning payment of other overdrafts on consumer 's affirmative consent. A financial institution shall not : ( i ) Condition the payment of any overdrafts for checks, ACH transactions, and other types of transactions on the consumer affirmatively consenting to the institution 's payment of ATM and one-time debit card transactions pursuant to the institution 's overdraft service; or ( ii ) Decline to pay checks, ACH transactions, and other types of transactions that overdraw the consumer 's account because the consumer has not affirmatively consented to the institution 's overdraft service for ATM and one-time debit card transactions.
|
| 03/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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On XX/XX/XXXX I went to XXXX XXXX XXXX looking to purchase a car with a credit score just over 700 and a single hard inquiry on report that was slated to fall off this year, when I left my credit would drop over 80 points and I would end up with more than 10 inquiries added to my history. Before I even arrived at the dealership, I made it known to the salesman, XXXX, that credit may be an issue because of the high amount of student loan debt I carry, but more importantly - I also stated clearly and reiterated several times, that if it was going to be difficult, I could hold off on the car because I had been working diligently to boost my credit and stave off excessive inquiries - which I EXPLICITLY said I DID NOT want more of. I was assured they could work it out and would run it maybe twice ( by myself and with my partner ). That evening - unknown to me while they had me sit in a waiting area - XXXX ran my credit more than ***6 times***. Never once letting me know they were having issues with lending and instead making it seem like they were just hashing out details with a single lender. I was approved by XXXX XXXX XXXX and left with the vehicle that night.
On XX/XX/XXXX, 5 days after taking possession of the car with all trappings of ownership, etc., I received a text from XXXX XXXX of XXXX stating that the lender needed additional confirmation of income and some other details. After that call, I got a call from a financier at XXXX XXXX also confirming my information and asking questions. At this point in time I was under the impression that this was my lender I was speaking to. It wasn't.
This same day, after the above communications, I received a credit alert, XXXX had run my credit another 5 or 6 times WITHOUT MY KNOWLEDGE OR CONSENT. I only knew because one of the several credit tracking apps I used alerted me to suspect activity. I reiterate 3 things : 1 ) I made clear in my initial interaction this was against my wishes 2 ) This is 5 days after I had already been approved by a lender. 3 ) I was not made aware by anyone at XXXX that this was happening at this time. I texted XXXX and XXXX letting them know this was not okay - no reply. When I reached out that evening to speak the dealership manager ( who now I'm not even sure it WAS the manager because everyt ime I've asked who I spoke with or who's managing I'm given a different name ), the " manager '' stated they were shopping for a better interest rate for me. I stated that this was without my knowledge, against my will, and asinine because I already had the car under the false pretense that everything was settled and done. He assured me the inquires would fall off in 30 days and this was standard practice. Needless to say, they did not. It has had a profound impact on my credit. As I slowly strategize my way out of suffocating student loan debt, I now have to take action on these minor things, that effect me greatly. They are small potatoes in comparison to other credit factors, but it's a big deal to me.
So now, 3 months later, after walking into the dealership with a just above 700 credit score & 1 inquiry on my report that is scheduled to fall off this year, I have 6 - 14 hard inquiries depending on which report is pulled, and am fighting my way back up from a XXXX credit score as of XX/XX/XXXX.
I called Experian, the report which shows the most inquiries to dispute the XX/XX/XXXX inquiries, and was informed they could not, but I could work with the dealership and lenders to have those inquiries changed to soft inquiries. I immediately called XXXX, my salesperson, and was instantly frustrated as he repeatedly spoke over me and was only interested in his own defensive posturing. So the very next day I went to the dealership to sit down with XXXX, I re-iterated the situation, and she said she would work with their business office to get it handled. That was almost 4 weeks ago. I've followed up once a week every week since for an update and every week I get the same toothless response that she will email the biz office for an update, but I never receive a follow up. This is truly my last resort. Though I appreciate that XXXX is the ONLY person on the entire staff remotely feigning interest in helping get this resolved, it seems that I'm only being helped to empty gestures.
|
| 02/24/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
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Dear Sir or Madam, I am writing to complain about how Bank of the West XXXX https : //www.bankofthewest.com/ ) rudely handled a system error causing an overdraft in my checking account and how they insulted me. Their system error causes a {$35.00} overdraft fee on XX/XX/XXXX. But when I contacted the Bank of the West on XX/XX/XXXX, they claimed that the {$35.00} is a service cancellation fee, and they insisted that I clicked the XXXX stop payment button in my account. But I never did that operation. The online banking mailbox message ( screenshot attached in the complaint ) clearly says the {$35.00} is an overdraft fee, not a cancellation fee. Then the Bank of the West threatened to close my online banking account because " some hacker logged into my account to click the XXXX stop payment button if I did not click. '' Their customer service then rudely hanged up the phone. It is a severe insult to insist a customer did something he never did, especially when I have solid proof to show the {$35.00} is not a cancellation fee. After hearing their threat to close my account, I think the Bank of the West may want to destroy the proof showing {$35.00} is not a cancellation fee by shutting down my account. I have taken screenshots that are attached to this complaint.
In what follows, I will provide more details like the dates and amounts related to my complaint.
XX/XX/XXXX My balance is {$520.00}, and I used XXXX to transfer {$400.00} to my friend.
XX/XX/XXXX My friend did not receive the {$400.00} after waiting for one day, and I used XXXX again to transfer {$500.00} to my friend. This time she got the {$500.00} immediately. Due to the first {$400.00} transfer 's unexpected failure, in the 2nd transfer, I sent a bit more ( {$500.00} XXXX to my friend to compensate for the delay. My balance is {$25.00} after sending the {$500.00} using XXXX.
XX/XX/XXXX I noticed that my Bank of the West account has a negative balance of - {$370.00}. My friend only received {$500.00}, but the bank system deducted {$900.00} from my account, causing a - {$370.00} balance. The first {$400.00} XXXX transfer status showed " not received '', and it said there is a {$35.00} cancellation fee if I cancel it. Of course, I did not want that. I asked the other friend to transfer {$400.00} to me using XXXX so that I can have enough funds for the jammed {$400.00} transfer.
XX/XX/XXXX Even my balance was already positive after my friend gave me {$400.00} using XXXX on XX/XX/XXXX, the Bank of the West still charged me a {$35.00} overdraft fee on XX/XX/XXXX, my balance was reduced to {$390.00}. Then their system repeated the previously failed {$400.00} XXXX transfer, and it failed again. Then Bank of the West suspended my account.
XX/XX/XXXX I called the Bank of the West about their system error that causes the {$35.00} overdraft fee and subsequent problems. However, the customer service tried to cover up their mistake by saying the {$35.00} is a service cancellation fee, not an overdraft fee. I told them I never canceled the {$400.00} transfer on my side, but the customer service insulted me by insisting I was lying. She further threatened to close my online banking account due to security reasons because if I did not click the stop payment button, some hacker did. She even asked me to go to a physical branch to close my account. The customer service rudely hanged up the phone even when I was still talking. I was shocked by the insults and threats from the Bank of the West. They are not treating their customers fairly.
To sum up, Bank of the West tried to cover up their mistake by claiming the {$35.00} overdraft fee caused by their system error as a service cancellation fee caused by my operation. They insisted that I clicked the cancel payment button, but I never did that. The message in my online account clearly states that it is an overdraft fee, not a cancellation fee. They lied, and they insulted me by insisting I was lying about not clicking the cancel payment button. Bank of the West further threatens to close my online banking account. They choose to insult and threaten their customer for a {$35.00} fee caused by their mistake. I hope CFBP can help me resolve the issue with the Bank of the West.
Regards, An upset customer of the Bank of the West
|
| 09/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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|
Web |
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XXXX XXXX, XXXX I was contacted by a dear friend regarding the potential of co-signing for a loan for a vehicle. As I spoke with her on the phone she was at XXXX XXXX XXXX XXXX XXXX and speaking with XXXX XXXX XXXX XXXX ), a representative for financing through The Bank of the West. XXXX was firm not wanting myself to be a co-signer for her vehicle. As XXXX and I spoke, he took the phone introduced himself and stated that he had a simple solution to XXXX dilemma. That would be borrowing my credit for a period of 4-6 months. At the end of that time the loan would be rolled over into XXXX name and because the loan was placed with Bank of the West, they ( the bank ) would help XXXX re-establish her credit. He stated that once you are with Bank of the West, you become a lifetime member and she could even place her mortgage with them. When we ask XXXX what was the amount of the car he stated {$25000.00} plus tax and title, which quickly rose to {$34000.00}. He stated that he works with the bank that does this type of creative financing all the time and there would be no problem getting the loan rolled into XXXX name. I stressed that I could not have a vehicle loan, for my comfort level, which it most definitely needs to roll over into XXXX name as soon as possible. I wrote a check to XXXX for {$500.00} down payment and was told by XXXX that {$300.00} of the down payment will be refunded to you once the loan is accepted by the bank, usually within XXXX weeks. The down payment check of {$300.00} did come back made payable to me.
XXXX spoke with XXXX regarding the vehicle she had at the time. He stated that her loan on that vehicle would be taken care of once she dropped the car at the dealership where she purchased it. He actually drove the car back to the dealership and stated : this vehicle is a piece and should go back to the dealership. When we questioned him, he stated that the dealership would auction the car to pay off the loan and XXXX credit would be fine. That this happens all the time, so there is no problem.
We started to sign the paperwork and XXXX actually signed one document ( Product Price and Payment Disclosures for Installment Sales ) and was quickly told that she is not to sign additional documents until the loan would be rolled into her name. XXXX had asked about insurance and XXXX gave her insurance information. While we were signing another gentlemen came into our conversation stating that, here is how the payment drops once the loan is in XXXX name. He showed us on paper the reduction of the payment over the next 6 months and that would help XXXX.
Shortly after the transaction, XXXX insurance company stated that she was not insured on the vehicle because it was not in her name. I, same day went to my insurance company to insure the vehicle.
We waited the 6 months, actually going into the 7th month. I called the General Manager of XXXX, XXXX XXXX, ( XXXX ) and have left several messages for him to return my calls, to date not a return phone call. I reached out to XXXX XXXX. He answered one of my calls and at that time he said he was driving and stated ; he remembered me and the transaction and that he works with several banks that would be able to handle the roll over and that he was driving and would call me back within an hour. He also said he was surprised that we had not rolled over the loan yet. I waited, after not receiving a return call ; I reached out to call him back and only got VM. I have left several VMs to date not a return call.
Why would a business in a small community treat the consumers this way is beyond me. I have contacted the BBB with a fraud/scam report and I have also sent a fraud report to the Attorney General. I feel we were duped/scammed into what I now known as a Straw Deal and it is my understanding that this type of dealing is illegal and causes harm to the consumer.
What I would like for the end result is the loan removed/satisfied with no repercussion to my credit. I feel that the unfair sales tactics and lending fraud did harm to a single mother and to me that has caused significant stress and has bound my credit with unwanted debt, just to make the sale happen. We were lied to and deceived there was never intention on XXXX XXXX or XXXX to re-finance the vehicle.
|
| 06/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
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|
Web |
Older American |
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I have a checking account with Bank of the West, branch now located at XXXX XXXX XXXX, XXXX XXXX, CA for several years with monthly XXXX payment direct deposit to my checking account. On XX/XX/2019, I personally submitted a bank draft for $ XXXX from my XXXX Credit Union Account for cash and deposit. I requested {$500.00} cash back. The teller XXXX XXXX XXXX stated there was an insufficient balance in the account. I expected the check/draft would be cashed forthwith as previously experienced so I simply requested me the {$420.00} balance then in the account. I saw the teller place the check/draft on a track device which required another teller to get involved but nothing further happened but for the second teller saying it would go out for collection. I received a written Notice of Hold from an ATM {$1500.00} check deposit made just a few weeks earlier on XX/XX/2019 which stated the deposited funds available date " XX/XX/2019 '' BUT that notice was received in the mail after returning from my mothers funeral which was the purpose of that ATM deposit. That hold period was two days. Moreover, despite requesting a record of the deposit, I was not provided a receipt or usual print out record for the submitted $ USXXXX check/draft deposit. I was told the only record of transaction was for the {$420.00} withdrawal. When the transaction did not appear when I reviewed my account on line that evening, the next morning I returned to the branch with a photocopy of the check/draft I had deposited. XXXX XXXX, Branch Manager wrote on and signed the check photocopy acknowledging receipt of the check and a statement that funds would credited when received. I found it curious, unprofessional, absurd and incredible. In fact, in notable and apparent contrast, as a result of the Bank of the West wrongfully depriving me of my funds, I simply telephoned the credit union in XXXX and more funds were sent by wire transfer to my local credit union rather than Bank of the West now proven untrustworthy and unreliable. Those additional funds were in my hand within 24 hours. I called the Bank of the West Consumer Relations on multiple occasions for resolution. When I first contacted the telephone customer service representative and spoke with Supervisor XXXX to make my Bank of West claim it was agreed that legal hold time on check deposits was 7 days and was given no. XXXX. to reference my claim within the Bank of the West. As an example of this course of action and results, I repetitively explained the circumstances on numerous occasions and on Friday XX/XX/2019 repeated same to XXXX. The matter was escalated to a Supervisor named XXXX who stated the processing was beyond her knowledge but was unable to transfer the matter to XXXX, the Regional Manager who was unavailable until Monday XX/XX/2019. No other immediate and/or knowledgeable Managers were available?! On Monday XX/XX/2019, after I had not received the promised call, I initiated a call and spoke with Regional Manager XXXX who stated she had received numerous annoying calls regarding my issue. Her cavalier response was that the Branch Manager, XXXX XXXX had left me three unanswered messages Friday. Regional Manager XXXX also stated Bank of the West was not required to cash the check so I told Regional Manager XXXX then to simply return the check. Regional Manager XXXX stated she could not. When asked why not and to track the check through out the process. Regional Manager XXXX said was the check was probably sitting at the XXXX bank. I can not accept that procedure is Bank of the West 's " probable '' tracking of financial instruments? I told Regional Manager XXXX according to XXXX credit union that as of Friday XX/XX/2019 the check was not returned. In fact, prior to filing this claim today on XX/XX/2019, I again telephoned the credit union in XXXX and and confirmed same. The XXXX credit union stated that according to their up to the minute banking business records, confirmed their specific check/draft check no. XXXX was the check sent to me ( that I deposited with Bank of the West ) and had not been returned to my XXXX XXXX XXXX for processing.
|
| 07/20/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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On the response and Transaction statement you just provided titled " XXXX Bank Response and XXXX Enclosures ''. The way payments were applied to account is in complete contradiction to Promissory Note ( Note ).
On the payment made on XXXX/XXXX/XXXX you state " there was a partial principal paid credit of {$90.00} '' when there is a Late Fee balance of {$330.00} due on account. It is not possible to accrue a principal credit when Late fees exist. You are claiming the XXXX/XXXX/XXXX {$600.00} payment resulted in a principal paid credit of {$22.00} when a late fee balance of {$220.00} exists. The Note states " Once the interest and principal are satisfied, then late fees may be allocated from a payment, if applicable. '' Your response is not supported by Note. According to Note If a late fee balance existed when the XXXX/XXXX/XXXX as well as the XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX {$600.00} payments were made, {$570.00} would have been applied to the principal and interest owed and XXXX monthly payments of {$22.00} equaling {$90.00} would have been applied to the late fee balance owed. .Your explanation is that these XXXX {$600.00} payments resulted in a principal overpayment of {$22.00} per monthly payment totaling {$90.00} thereby reducing the XXXX/XXXX/XXXX payment to {$480.00} and a Late Fee balance existed. This accounting practice is Not supported by Note. It is not possible to accrue a principal credit from a payment when a late fee balance exists prior to payment. You and the Note state " The payment will be allocated to satisfy interest due first, then principal. Once the interest and principal are satisfied, then late fees may be allocated from a payment, if applicable. '' On XXXX/XXXX/XXXX, the only way possible a late fee balance of {$330.00} and a partial principal paid credit equaling {$90.00} could exist is by " applying back dated late fees to account. '' Same thing with these XXXX {$600.00} payments ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ). You claim these XXXX extra {$22.00} payment amounts end up a partial principal paid credit on XXXX/XXXX/XXXX payment.
These XXXX {$600.00} payments should have been allocated by applying {$570.00} to the principal and interest owed and {$22.00} should have been applied to the late fee balance owed, if a late fee balance exists, according to Promissory Note.
You then state that the {$450.00} payment on XXXX/XXXX/XXXX satisfies the remainder of the scheduled payment due of {$570.00} on XXXX/XXXX/XXXX. In your last response you stated the only way a automatic scheduled payment amount can change is when a payment is made 3 days prior to scheduled payment. In other words the {$450.00} payment made on XXXX/XXXX/XXXX can have no impact on XXXX/XXXX/XXXX {$570.00} automatic payment because payment was made within 3 days of automatic payment due date. Why was n't the XXXX/XXXX/XXXX payment allocated and applied according to Note? The only scenario where this could happen " these late fees were back dated to account. '' Please explain how my automatic scheduled payment amount of {$570.00} " due on XXXX/XXXX/XXXX '' was satisfied by the {$450.00} payment made on XXXX/XXXX/XXXX when there is only one day between payments? Since all XXXX of these {$600.00} payments were allocated only to principle and interest owed, proves to me, there was NO Late fee balance owed at the time payments were made. Now honor your obligations stated in Promissory Note and remove said late fees beginning XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX and credit all said debits with interest. Treat my account in a fair and responsible way. This account needs recalculated according to this Promissory Note statement " Early payments will not relieve me of my obligation to continue to make payments under the payment schedule. Rather, early payments will reduce the principle balance due and may result in my making fewer payments. '' It is my hope that this letter explains with enough detail the corrections that need to be made on this account and corrections are made.
|
| 08/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Servicemember |
|
I applied online at XXXX XXXX XXXX to refinance my XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX. I was assigned to XXXX XXXX ( NMLS # XXXX ), it said from XXXX XXXX XXXX XXXX which later started to be referred to as Essex Credit in the emails and documents. I didn't hear anything after weeks, then a month. I called every XXXX XXXX XXXX number, Essex Credit numbers and Bank of the West numbers I had or could find, but could not get a person in finance or loans. I emailed the lady assigned to my application, XXXX XXXX ( XXXX # XXXX ), several times and did not get a response. After sometime I received a letter indicating I was declined, for the first time in my XXXX year life. I have almost perfect credit ( XXXX ), with a XXXX Military XXXX retirement, VA XXXX and a full time senior XXXX 's paycheck. The only debt I carry from month to month is my home mortgage and my XXXX XXXX loan. Cars paid off and any and all credit cards auto pay full balance each month. There was apparently a comment on my XXXX credit report that said I was in a dispute or had a dispute with my credit union ( XXXX ) on a Visa credit card, that [ now ] Bank of the West indicated they could not fund the loan based on that. Called XXXX they confirmed my 30 year relationship with them was stellar, perfect payment record, and no record of any dispute or negative reports to the credit bureau. I finally got through to my representative and passed that on to XXXX XXXX ( NMLS # XXXX ) who asked me to get a copy of my current statement that reflected payment in full with no outstanding balance, and I did, while she stayed on the line. XXXX XXXX ( XXXX # XXXX ) put me on hold, then said she contacted the underwriter and she had everything they needed to proceed with the loan. But I would need to reapply electronically since the closed the prior file and needed an active file to move the request along. XXXX XXXX ( NMLS # XXXX ) said I would not have to resubmit all the supporting documents ( W2s, military retirement proof, VA XXXX entitlement, and pay stubs ) as she already had that and she would attach it to the new file, since she covers loans in my area. A month of silence, phone messages not returned and emails not responded to. I received a letter dated XX/XX/XXXX indicating Essex Credit, Bank of the West, XXXX XXXX was " Unable to Verity Income, Financial Statements not Provided '' ... but I had emailed all that to XXXX XXXX ( NMLS # XXXX ) and she confirmed she had all she needed to get it approved. So I called customer service number on the bottom of the notification ( XXXX ) and explained what had happened. The first customer service representative acted put out or bothered and put me on hold to look at my file, and I received a dial tone shortly. I called back, explained it all again. This representative told me that representative that my application was assigned to, XXXX XXXX ( NMLS # XXXX ), was on Medical Leave and would not have been available to provide the information that she had, so the underwriters evaluated the application, without getting anything from XXXX XXXX ( NMLS # XXXX ). Not sure why that even sounds right, why would they have me send my stuff to a representative and then make a decision without getting the information or checking with the representative designated for me to send the information to. I asked what I could do to correct their error, the customer service representative said nothing, the file was closed. I asked if I could talk to a supervisor or manager ... and she said it would not do any good because all I would get was a recording. I asked again if there was any recourse, and the customer service representative said there is nothing you can do, the file is closed and your loan denied. I am extremely careful to ensure I don't have random and unnecessary credit requests on my credit report, and now this or these organizations cost me over 90 days of lost savings that I would have had with the refinance through them ( Bank of the West ) or others with similar rates and they pulled two credit reports one for each electronic submittal.
|
| 02/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2019 I noticed multiple charges from XXXX on my bank of the West Bank card. The charges added together was over {$1400.00}, Some were still in pending status. I called my bank immediately and they sent out a form for me to fill out and mail back to them. I received it about ten days later. I filled it out and attached as much information as possible to help my case. I then faxed, emailed, and sent it out on XX/XX/XXXX and XX/XX/2019. I emailed to a manager that Ive worked with previously, her name is XXXX XXXX. I also called the following week to make sure they received everything. I asked to speak with XXXX, but she was out to lunch and instead I talked to someone by the name of XXXX. XXXX was incredibly rude and should not be working with the public! However, she confirmed that they received it. XXXX informed me via email that she is forwarding the information to the person who was assigned to the case, his name was XXXX. She gave me no information about XXXX, I did ask for his email so I could send evidence directly to him. She stopped replying to my multiple emails so I never received his email. They gave me provisional credit for the funds lost. I started receiving multiple empty packages from XXXX. I took pictures of them and a close up to the weight of the packages that was listed. Just by the weight alone shows the packages were empty. For example, the small package stated that the items were body lotion, but the weight stated shows it being very few ounces. I went down to the post office to speak with them, they informed me about a scam thats going around from XXXX. They ship out empty packages so theres a tracking number to prove they shipped items out, which makes it harder to dispute. She also handed me a someone else package that was also from XXXX and you can clearly feel it being empty as well. I then searched the internet to find cases similar to mine. I sent the articles and all the other evidence to XXXX XXXX email. I never received a reply from her. I finally was able to get a hold of XXXX and he was impressed with the amount of evidence I had sent them and he couldnt see a problem that would deny this case. I never heard from him again. I checked my bank account shortly after and I noticed it was very low so I got online to see why. The reversed my provisional credit, bounced my bills back and charged me {$35.00} per transactions they sent back. I never received any notice saying that this was happening. I called and left messages with the fraud department and no one would return my calls. I finally was able to talk to someone by the name of XXXX days later, I think that was his name. He informed me that they denied my claim and that I will receive a notice as to why, in the mail. I received a letter from them shortly after, but it wasnt information on the case. Instead it was a notice saying they are closing my account with them. I again continued to call them and it would send me to voicemail, and no one ever returned my calls. I went down to my banks branch to ask questions but they couldnt find a reason why they were closing the account. She thought maybe it was due to the amount of claims I had filed. Each one of my case were valid and I had overwhelming evidence to back up each claim. To this day, I havent received a reason as to why they denied my claim. I contacted them quickly after noticing the charges some were still pending and couldve been stopped. It takes about two weeks for the sellers of XXXX to mail out orders. They had a huge window to stop this before the packages were sent out, but instead they let the orders continue and imply that it was me committing fraud! I even tried calling and emailing the company and all they did was close my XXXX account. Ive shopped with them for years and this was the first time something like this has happened to me. My mistake was that I saved my credit card information to my account on XXXX. I have so much proof to help this case.
|
| 03/27/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
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Web |
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Our company XXXX XXXX is a victim of international wire fraud with a loss of {$330000.00} that was initiated through our business bank account at Bank of the West. We had an account with Bank of the West for six years, but had some problems with check fraud in early XXXX. Some of the long time employees would monitor our account on a daily basis and communicate and we felt a level of comfort, even though we had been told in confidence that there were major staffing problems at the bank. A few months later these employees left the bank and we were told to consider switching our business account to the new Treasury Now program to provide additional security and protections for our account. We were aggressively pushed into this program by XXXX XXXX and XXXX XXXX and XXXX XXXX in XX/XX/2021 and have now learned that this program was not even active until XX/XX/2021. This is a problem because one day after we switched our account to use the new Treasury Now program and activated it two fraudulent international wire transfers were initiated and approved by Bank of the West on XXXX XXXX for $ 1XXXX to XXXX bank in XXXX XXXX and again on XX/XX/XXXX for {$210000.00} to XXXX bank in XXXX XXXX with a listing of " Seek Aim Education '' as the beneficiary. We did not approve these transactions, we had never initiated a wire transfer over the 6 years we banked with Bank of the West, we have never initiated an international wire transfer and have never sent six figure payments to anyone at anytime. How is it possible that Bank of the West approved these fraudulent transactions?
On XX/XX/XXXX we discovered the fraud and went into the branch and filed a report with IC ( internet crime/FBI ) as well as a report with the XXXX XXXX police XXXX and they assigned XXXX XXXX and a few others from their " Corporate Securities Investigations '' department to investigate. When we spoke they told us they were working hard and doing everything possible to help recover our funds and said we had a 50 % chance of getting the funds recovered. They said they had someone with the XXXX XXXX XXXX on the ground in XXXX XXXX that was helping. Weeks went by with no word about Bank of the West communicating with XXXX in XXXX XXXX. They kept telling us because of the time difference it was difficult getting in contact with them to discuss the wires and then about six weeks later we were told that the money had been transferred from XXXX XXXX bank to mainland XXXX and there was nothing they could do about it.
We tried repeatedly to get answers from the bank regarding their internal security process and have serious questions and concerns because we had been trying for several days with Bank of the West to activate the program and kept running into glitches requiring them to provide new password and unique user ID to us. The day after it became activated the fraud occurred.
We were told that Bank of the West would offer the following customer security protections 1. Internal validation controls to stop fraud ( what are these ). 2 Behavior monitoring ( back office fraud detection and monitoring that analyzes all out going ACH wire transfers and other online banking activity 3. System Administrator information ( how did this transfer occur without the knowledge of the system administrator? ) 4. Signature authorization ( their internal policy requires signature authorization for a six figure international wire transfer but none was provided?? Please explain ) 5. Network Security Procedures ( what exactly are these? ) Due to the multiple failed attempts to set up and activate our account and multiple changed user ID '' s and passwords, XXXX XXXX and XXXX XXXX had all of our information, and likely many other employees at Bank of the West. We do not think that it is a coincidence that when we finally got the account activated that 24 hours later the wire fraud occurred on XX/XX/XXXX and XX/XX/XXXX. What is the bank trying to hide? We need answers!
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| 12/09/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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This happened at my daughters bank about XXXX XXXX ago. Im just now notifying you because I didnt know at the time I can report this to your company and I feel customer of this bank may still be taken advantage of. This is Bank of the west in XXXX California. Cross streets XXXX and XXXX. Here is the copy I sent to the fraud department at bank of the west and was told they would investigate but heard nothing back even after a year and half.
On XXXX my XXXX daughter, XXXX XXXX with her dad made an ATM deposit of $ XXXXthrough Bank of the West ATM XXXX XXXX and XXXX XXXX XXXX XXXX CA XXXX This is her first account so her dad made sure the money deposited was correct. A week and a half goes by and XXXX asked me why her money is not showing up in her account and has been patiently waiting. I looked at her account and noticed that the deposit was not credited. I went into the XXXX XXXX andspoke to the teller who told me that there was nothing that they can do since it's not showing up on the account. I then ask to talk to the manager in charge and explain her my situation and she was very helpful. She helped me file the dispute for {$1200.00}. Days later, {$970.00} was put into the checking account. Missing was {$230.00}. My husband went back in to talk to someone. This time he spoke to XXXX XXXX. XXXX told XXXX XXXX that the money paid to XXXX XXXX was money that was the unclaimed portion, therefore the amount missing will not be refunded. He was told there was nothing else they could do. Feeling bad for our daughter, my husband made a deposit to make up for the difference so that she doesnt feel bad losing the money she worked for.
When I heard what happened, I scheduled time yesterday, XXXX XXXX and called the branch and spoke to XXXX XXXX and told him the story. I asked to speak to the XXXX gal who helped me filed the dispute the first time and he prompted told me she was no longer with the bank. XXXX then told me there was nothing he can do for me because that was all that was left unclaimed. I told them that I would file a dispute with the CFPB if I needed to but he didn't seem like he cared. I asked to speak to the manager and was informed he was at lunch and would call me back.
XXXX XXXX called me 4 hours later to pretty much tell me that there is nothing that they can do. I told XXXX that is it not right to take funds from XXXX old that worked and savedher money because of an ATM malfunction. In fact, I was told by the employees that the ATM had several of the same issues for the past couple of weeks. We had to report the missing funds, and when funds were deposited, we were not notified of the deposit nor the difference in deposit amount.I had asked XXXX for records and he told me it's our fault since we no longer had the receipt. In all my years of banking, I have never had an incident such as this and typically, receipts are thrown out after a couple of days. I told him that I wanted to escalate and he seemed nonchalant about it. Someone has to take accountability for machine failures and that someone shouldn't have to be my daughter.
After we hung up, I was angry that equipment failures would become her loss. I had a feeling that XXXX wouldn't escalate so I called him back to ask him for his manager 's name. It went straight to voicemail. I called the call center and they patched me through to the branch receptionist. I asked for his boss 's name and was told they can't give me that information.
I don't want to file a formal complaint if I don't have to and that is why I am reaching out to you. Both XXXX and XXXX did not handle this situation well at all and I don't appreciate them blaming us for not keeping receipts stating all they credited was what was unclaimed. That statement alone doesn't make sense. Also, we have the option of getting a receipt or not at the ATM so how valid is his claim of me having to keep receipts.
Please look into it. Thank you.
XXXX XXXX XXXX
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| 05/21/2015 |
Yes |
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Web |
Older American |
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We obtained a MasterCard ( MC ) charge card upon establishment of a checking account with Bank of the West ( BOW ) on XXXX XXXX XXXX. Its expiration date was XXXX XXXX XXXX XXXX ).
On XXXX XXXX XXXX, I attempted to buy something with this card and was told the account had been closed. I had received no warning of, and there was no reason to expect, early closure. Full balance due payments were made monthly, with the last payment sent only a few days earlier. No new cards with a new expy date had been received by us as yet.
On XXXX XXXX XXXX, I contacted the BOW customer service number for its MC credit card problems and inquired about this, and was told that my new cards had only been mailed on XXXX XXXX XXXX and I should allow XXXX days for delivery before BOW would do anything else. No explanation for the unwarranted premature closing was given.
After XXXX days, and receiving yet no new cards, I recontacted the same BOW office, and was then told I needed to wait a full XXXX * business* days ; and no other action would be taken.
Allowing XXXX business days, and still receiving no new cards, I again called BOW and was given no reason for non-receipt of the new cards still, but the woman said she would re-open the account through XXXX XXXX pending these cards presumed arrival, and took no other action.
Two days later, I attempted to charge XXXX different items with this supposedly re-opened account 's cards, and the charges were still not accepted. I therefore determined to not play further games with BOW-MC, and let the closed account remain closed even if new cards should arrive later. They never did.
On XXXX XXXX XXXX I received a bill on this account for payment of the final, XXXX XXXX charges. This was paid in full on XXXX XXXX XXXX. Suspecting therecould be future problems because of the obvious slipshoddery already in evidence in their handling this matter, I noted on the check front that this was the final payment and on the back of the check that their " endorsement '' constituted acknowledgment of the account being closed by the actions of the bank and credit card company, and of their liability for any further charges to the account past XXXX XXXX XXXX ( in case the never-arriving new cards had been dis-placed to others and used to reopen the account as an act of identity theft ). They accepted this payment on these terms.
Nonetheless, I was billed by BOW-MC in late XXXX, XXXX for a charge made earlier that month to that account by XXXX. My wife had purchased some merchandise from them from time to time in the past, but closed her account with them XX/XX/XXXX. This was, therefore, a spurious charge to this closed charge account, which BOW-MC allowed. I contacted customer service once again, giving all the above information, and an " investigation '' was launched by them, and on XXXX XXXX, I received a letter acknowledging " settlement of [ the ] case '' in my favor, signed by a XXXX XXXX.
Then on or before XXXX XXXX, a series of after-hours robo-calls from BOW were received on my answering machine, to call them regarding a " personal banking issue ''. At first I assumed they were selling something, so ignored these. But they became nightly - harassing - so I called and was told that not only did they still have the charge on the closed account, but that they considered it still open and were seeking penalties for non-payment and the matter was now with their collections department!
On XXXX XXXX I called XXXX XXXX and demanded action. The calls stopped, but then on XXXX XXXX XXXX I received a letter from XXXX XXXX, that BOW was " continuing to investigate '' this matter and full of dire warnings to me, as if I were responsible for their mess. And today, XXXX XXXX, I received a form letter back-dated XXXX XXXX demanding immediate payment and threatening my " credit rating ''!!
BOW-MC is either awash in incompetence, or fraud.
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| 05/29/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I formerly used Bank of the West in California for all my financial needs. On XXXX/XXXX/15 this financial institution forcefully closed my joint account without my authorization using funds from XXXX of my individual accounts to cover the overdrawn balance ( {$300.00} ). I was never contacted by this institution to inform me of the transfer of funds or the forced closure of the joint account. I would have covered the overdraft if I had known about it. The joint account was shared by myself and my wife, I only used it to transfer funds when she needed it. Since the account was operated and maintained by my wife, I was unaware of the negative balance. I contacted this institutions telephone customer service before XXXX/XXXX/15 to ask if the funds were wrongfully transferred and if the account was in fact closed. They informed me that it was in fact forceably closed. I than asked for copies of any and all disclosures which I may have signed on the account and or more particularly, the XXXX which releases the need for my personal authorization to transfer funds between account I hold. The representative than sounded confused and informed me that this financial institution does not need my approval to cover negative balances on accounts and that there are no disclosures associated with this account which they could provide me with. I know for a fact that there must at least be the disclosures I signed to open the account. I than asked to speak to a supervisor at which time, the representative informed me that the call center had already closed and she was the only person left in the building. I requested to see if some of the fees for this account which were well over XXXX percent of the overdue balance could be waived or partially waived to relieve some of the hardship which seemed so wrongfully poised in my position. I was instructed to talk to the branch which holds ownership of my accounts. This branch is in XXXX XXXX, CA. It is XXXX miles from my account. I requested long ago to have my accounts transfered to XXXX XXXX, CA. I was informed that the ownership of my account was not able to be changed and that I should close the accounts I had previously opened in XXXX XXXX, CA and than open new accounts with the branch in XXXX XXXX, CA. I declined to close these accounts since I did not see a need to burden myself with changing all of my finances to reflect the new account numbers.
On XXXX/XXXX/15 I entered this financial institution 's branch in XXXX, CA on XXXX XXXX to close my remaining Individual Checking Account and move on to another financial institution. When my turn in line came, I told the teller at the window that I would like to close my account. The teller handed me {$1200.00}. I asked him if the account was now closed. He confirmed closure of the account.
Today, XXXX/XXXX/15 I received an overdraft notification from this institution for the account which they had confirmed to have closed on XXXX/XXXX/15. I contacted customer service. I requested to speak to a supervisor. Once online, I started from the beginning informing her of the joint accounts forced closure. She reiterated that the institution does not require a signed disclosure to transfer personal funds. I asked for copies of the disclosures on my account. None have been provided. The supervisor once again told me that nothing can be reversed from within the call center and I would have to return to the branch. I talked to her about the individual accounts closure. She told me that there is no papertrail proving my intent to close the account. I have since incurred an autodebit and monthly service charge which have forced the account into the negative, an account which should have been closed.
I feel that this institution has wronged me. I feel that they are in the business to collect fees solely. I feel that they do not care. I am being wronged for a XXXX time with no help.
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| 04/09/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Bounced checks or returned payments
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Web |
Older American |
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To Whom It May Concern, Please, may I kindly request your help in regard to a very serious matter that has caused tremendous harm to my personal finances due to blatant irresponsibility? I put my sole trust in a financial banking institution known as the Bank of the West. I have attempted many times to contact this organization and get the appropriate answers needed to correct a horrendous situation to no avail. This organization returned an ACH withdrawal to my mortgage company known as XXXX XXXX XXXX on two separate occasions. Therefore causing the mortgage company to report a late notice to all three major credit reporting bureaus, on three separate occasions. As the mortgage company has a policy in place to not retry an entry that has been returned after 30 days, marking the account 60-days late in XX/XX/XXXX and again in XX/XX/XXXX after they once again returned an ACH withdrawal with a 30- day late notice to all three bureaus. All I have received to date is a telephone number to a low-rank employee named Ms. XXXX XXXX @ ( XXXX ) XXXX. I have tried numerous times to reach this individual, leaving many messages and there is no response. I even put in a telephone call to the ACH department for the Bank of the West and again was told they could not help me. I have contacted the local branch that originally set-up the ACH and was given a 67-page Deposit Account Disclosure Booklet. In that booklet, dis it clearly states that it was up to the discretion of the bank to return the ACH withdrawal sighting it as an overdraft. Furthermore, the booklet also suggests " overdraft protection '' for such important drafts. It was never made known to me that when setting up such an important instrument as an ACH for your home mortgage, overdraft protection should be put in place. more importantly, The very day the Mortage was drafting through the bank system in XX/XX/XXXX, I sat personally in the Bank Manager / Vice Presidents ' office in XXXX, Iowa and was told personally By Mrs. XXXX XXXX, that she could see the draft coming in. I had telephoned XXXX XXXX XXXX while sitting there and they demanded that she guarantee the payment would be processed. Mrs. XXXX stated there was nothing she could do. The payment was returned again for the second time. The most important aspect of all here is that when opening the account, I was never given a disclosure booklet, as the banker laughed when she offered it to me, suggesting that I did not need it and why would I want it for anyway. It was I after this disaster happened who drove to the bank and demanded it. The Bank of the West is entirely responsible for their negligence. They have single-handedly destroyed my personal credit. In closing, this bank is very mismanaged. No one will accept responsibility for their wrong-doing. Very clearly there were bylaws in place to avoid such errors, such as overdraft protection. As an end-all, the bank manager could have acted to avoid the return of the most important payment of all, your home mortgage. In fact, what overdraft the account was a PIZZA posted that night in XXXX that started this diabolical mess. This is my lifeline, my personal credit is for XXXX XXXX and it's procurement. I had good credit until this happened, now no bank will touch me and I have received notices from credit companies that my FICO score has dropped nearly XXXX points. Things like this should be made illegal. There should be a system put in place for the prioritization of withdrawals from the Federal Reserve. To think that a PIZZA overturned my {$2300.00} mortgage payment is utterly ludicrous. The people involved here should be fired. They are handling personal finances and lives here and look at their behavior. I am left to suffer the consequences of their neglect and responsibility. You wonder how many people and their finances have they destroyed along the way? I ask for your guidance, please.
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| 09/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
Servicemember |
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XX/XX/2016, I was pre-approved for a mortgage loan in the amount of {$190000.00} from Bank of the West. Based on the pre-approval, I was able to find and put under contract a home in XXXX, CO for {$190000.00}. I submitted the initial documents and began the loan process XX/XX/XXXX. The home in XXXX, which I lost, appraised for {$36000.00} higher than my purchase price. The appraisal fee was reimbursed to my bank account. One of the provisos of obtaining the loan was to sell my home. I immediately placed my home on the market, received an acceptable offer the first day, and settled on a closing date of XX/XX/XXXX. The closing for the house in Colorado was scheduled for XX/XX/XXXX. Throughout the loan process, my realtor and I struggled to maintain contact with the loan consultant, XXXX XXXX. Emails and telephone calls went unanswered. XXXX told me that " I keep my emails in bold, so I will go through and find the one you 're asking about and get back to you ''. This happened several times to both my realtor and myself. On XXXX, she called and advised me that her " computer had crashed, and I ca n't find your file ''. I drove to the nearest branch and faxed over the entire loan file. My realtor was concerned about the closing date, and at one point extended the contract to protect my earnest money investment of {$2000.00}. I also paid for the appraisal and a property inspection. On XX/XX/XXXX, XXXX called me several times, asking for documents she had been given previously. I made 3 trips to the bank branch to fax these items to her again. At this time, I have a loaded XXXX in my driveway, XXXX of my sons had taken time off work to help me move, and the closing on my house was scheduled for XXXX on XX/XX/XXXX. XXXX called me again, and asked me for a Social Security awards letter. She had asked several times before, and was advised by phone and email that I do n't receive social security, and had verified the only income I received. She confronted me, telling me that she was looking at my bank statements, and she could plainly see the automatic deposit of the social security income on 3 months ' statements. I went to the computer and checked my account for the first date she referenced. It was my income tax refund. When I went to the branch to fax more paperwork, I asked for a manager 's number, because XXXX had now called and said that we would not be able to close on XX/XX/XXXX " due to problems with your loan ''. I was advised by manager XXXX that XXXX had made a mistake calculating my income, and the loan would now be denied because I was outside their guidelines. However, she stated that they " would make it right '', and immediately began processing a new loan for a lower amount. Unfortunately, I, a widow and XXXX veteran, am at this point, homeless. My house is sold, and the seller of the house in Colorado refused to extend the contract. He was given my {$2000.00} earnest money because we broke the contract. I and my sons drove to Colorado, on the phone with Bank of the West most of the time, trying to work something out. Ultimately, I lost the earnest money and the inspection fee. I had to find a place to live and put my belongings in storage while looking for another house. It was incredibly stressful. I was fortunate to quickly find and put under contract another home, and am currently living there. However, I used most of my savings living through this nightmare, and Bank of the West has now said that " management has disapproved '' my requests for reimbursement of my expenses. I consulted an attorney who advised me it would be expensive to pursue legal action, and I simply do n't have enough money to do so. I was advised that XXXX 's loans " have been reassigned '', and I was given another consultant ( XXXX ) to go forward. I eventually had problems with the new loan consultant, and changed lenders.
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| 04/21/2015 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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I have XXXX accounts with Bank of the West. Checking account # XXXX and Savings account # XXXX. On XXXX/XXXX/2015, I walked into my domicile branch of Bank of the West on XXXX XXXX, in the city of XXXX, California. I presented {$2500.00} cash to the teller and asked to purchase XXXX cashier checks for {$2000.00} and {$500.00}.
I made a deposit of {$500.00} to the XXXX Account and the {$2000.00} also, but the teller at XXXX. XXXX XXXX XXXX informed me that there would be a hold on the {$2000.00} check for few day and I asked why, because there should n't be a hold on a Cashiers check, because it can be confirmed immediately by calling the bank? She could n't give me a reason and I asked for my check bank and I immediately logged online into my XXXX XXXX account and deposited it into my XXXX XXXX checking account through mobile deposit, which was made available at XXXX. But in the morning, I was in the city of XXXX at the mall and I received an email from XXXX XXXX, stating that the {$2000.00} cashiers check was returned.
Since I still had the paper copy of the check in my possession, I walked into the nearest Bank of the West branch at the XXXX XXXX in the city of XXXX and presented the {$2000.00} cashiers check to the teller, who then asked me to wait and presented it to another member of the banking staff named XXXX, who called the branch that issued the check and I was told the check has been negotiated by XXXX XXXX. I then went to XXXX XXXX and I was told the check was presented XXXX, that 's why it was returned. I then told them at XXXX I only have XXXX account with them, and it shows the said check was deposited only XXXX into my account. The banker at the XXXX XXXX then said it could have been maybe a friend or someone went into my backpack without my knowledge and deposited into another XXXX account without me knowing, thus making it get returned. I called Bank of the West XXXX branch to pass this information to XXXX. I guessed this made her put a stop payment on the check.
It was later revealed that there was no multiple deposit at XXXX XXXX. It was deposited into XXXX account, which is my account. And the only reason it could have been returned was because there was a stop payment placed on it by XXXX at the XXXX XXXX branch of Bank of the west.
I was then advised by my branch to hold on till XXXX XXXX send me the returned legal copy of the check, which they did and I took it to my branch on lakeshore and after getting clearance from the back office, XXXX XXXX, the CSM of my branch deposited the {$2000.00} check into my checking account on Thursday XXXX and {$100.00} was made available and {$1900.00} held. On the next morning of Friday XXXX/XXXX/2015, the {$1900.00} held funds was released. I then made a transfer of {$1800.00} into my savings account. After an ATM withdrawal from my checking account, my checking account balance was {$9.00} and savings account balance of {$1800.00}.
Before noon of Friday XXXX/XXXX/2015, I checked my account online, only to find out that my savings account which I transferred {$1800.00} into, is on hold, placed by my branch CSM XXXX XXXX, without calling or notifying me. I immediately went to the branch and she said the same check was presented by XXXX XXXX, and thus they are looking into it.
She told me she 's in contact with the back office and the Check Adjustment Dept. and that the check has n't been paid yet, so its been investigated.
Let 's not forget I walked into the bank with cash and bought cashiers check, deposited it into my account and it was returned. I took the returned legal copy back to the bank and it was cleared to be negotiated because the funds has n't been paid. The question is why does Bank of the West have to hold my money while the investigation is being conducted? I 'm not asking for a provisional credit here, but my own money.
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| 11/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To whomever can help me receive results.
I have not been able to make any headway with Bank of the West in regards to how they have derogatorily reported a lease I financed.
On XX/XX/XXXX, I obtained a lease from the Bank of the West auto division for a XXXX XXXX truck.
On XX/XX/XXXX, I unfortunately was struck by a vehicle whose driver ran a red light. My truck was considered a total loss.
On XX/XX/XXXX, XXXX made a payment to Bank of the West in the amount of {$54000.00}.
On XX/XX/XXXX, I continued making the lease payment of {$850.00} to Bank of the West.
On XX/XX/XXXX, I was called by Bank of the West to Pay-by-Phone, my FINAL PAYMENT. As you are likely aware, this was on a recorded line where I was told to repeat language back to the Bank of the West representative stating that this was in fact my Final Payment. During this call, I did in fact make what was explained to me as my final payment of {$900.00}.
A month or so later, I was contacted by Bank of the West claiming that I owed the bank more money. My response was, I do not owe your bank more money, please refer to your recorded call which clearly demonstrates that the Final Payment had been made.
A month or so later, I noticed my credit score plummeted. It turns out that Bank of the West reported this as a Charge-Off.
I then gave power of attorney to a colleague of mine to handle this matter. Shortly thereafter, this errant reporting was corrected. My scores shot back up.
Fast forward, in XX/XX/XXXX ( pre Covid ) all three Credit Bureaus gave me a credit score of XXXX or higher.
On XX/XX/XXXX, my wife and I entered escrow to buy a new home.
On XX/XX/XXXX, the lender asked me to explain the Bank of the West Charge-Offs. This account was NEVER a charge off, let alone in XXXX since the vehicle had been paid off years prior.
On XX/XX/XXXX, I disputed this error through the XXXX website in a limited submission format.
The result was that XXXX could not prove my claim in such a limited submission format.
The Bank of the West debt was then submitted to all three Bureaus once again. Every score dropped into the high 600s.
Worse yet, XXXX now lists this as a {$62000.00} Charge-Off, not once, but twice ( attached ).
Needless to say, we lost the home.
Again, I gave power of attorney to the same colleague, mentioned above, to deal with and resolve this ever frustrating issue that Bank of the West has created.
Its my understanding that after spinning her wheels with Bank of the West representatives ( XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX/ ( XXXX ) XXXX XXXX ) for months now, my colleague has filed a complaint with the FTC. Never any responses or correction results from all correspondence we followed through with for years now.
Lastly and more recent XX/XX/XXXX I reached out to a XXXX Washington at Bank of the West who is suppose to be a hirer up and NO RESPONSE once again ( see attached ) via an email ( XXXX ).
A few things about me. No t one of my 7 companies carries any form of debt. The only debt that my wife and I carry are car leases.
The amount Bank of the West claims that I owe them in error is roughly {$1100.00}. Does it make sense that I would destroy my credit for {$1100.00}?.
I politely request your earliest attention to this matter, as this Bank of the West error has haunted me for three years now and held me back from receiving the best financing/ lending well deserved. Look forward to your follow up and some positive results. If you all or they ( Bank of the West ) would listen to the original recorded messages that I approved for completion/ XXXX balance/ positive credit reporting ... this issue would have been taken care of years ago.
Again, I truly appreciate your time and feedback to this most urgent issue especially during a time when we all need positive economic now and for our futures.
All the best
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| 08/15/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I have had many dealings with property mortgages over the years and none as frustrating or lacking professionalism and honesty as my dealings with Bank of the West on my current loan.
We have had loan amounts switched at the last minutes, delays and lies told to us about why the delays are happening, we have been ignored by supervisors when we tried to bring these to their attention, we have been strung along with a promise of closing only to find out that the bank is not ready yet. We have been asked to go above and beyond the responsibilities of a borrowing for example, when they asked us to acquire a form from the building and safety office, that neither Bank of the West understood not did I. Without understanding what underwriting wanted how could we be expected to satisfy their condition. In the end I contacted the city directly and resolved the issue but this was after numerous calls and all because the bank refused to explain what the appraisal department wanted. With regards to this particular issue we were told we would receive a link to file the form that day, and when i followed up a week later he had just sent it. This delayed our closing another week. This is just one example of us being told we would receive things within a day or so and not received anything until a week later, further holding up the closing of our loan.
Yesterday I was told by an assistant to my loan advisor at Bank of the West that this is the XXXX loan and the XXXX loan was cancelled because some documents were not provided within a specific time frame. This was a complete surprise to me as I am very responsive with everything the bank requested and was never made aware that a new loan had been opened or why this had happened. When I asked what documents had not been provided and explained that I had no knowledge of a new loan, she feigned ignorance and told me she did n't have any more information although she had access to our loan in her system.
XX/XX/XXXX I made my loan officer aware that I had a vacation planned for the end of the month. he assured me we would sign documents by XX/XX/XXXX and that the loan would not interfere with the vacation plans I made. The XXXX came and went and the bank still was not ready with documents. They gave me the run around and their answer was always " just a couple of days more ''. finally XX/XX/XXXX I realized that the loan was going to take another week or so to close so I executed a power of attorney so that my co-borrower could sign the documents at escrow for me. I then left the country and was told that we would close within a week. I left town on XX/XX/XXXX and returned on XX/XX/XXXX and the loan documents have still not been ordered. My loan agent left the country and did not pass off my loan to anyone else. When I contacted the bank on XX/XX/XXXX I found out that loan disclosures still needed to be signed. This was a surprise to me because I had signed several pages of disclosures on XXXX per my loan agent and sent them to him via email on that day. He told me that the rest of the disclosures could be signed at closing. So imagine my shock when i was informed that documents had not been ordered for two weeks because they were missing disclosures. I forwarded the original email to his assistant with the date stamp so she could see that I had handled this on XX/XX/XXXX. I also left a voice message for their supervisor and sent several emails. I have had no response as of today.
There are just a few of the examples that I have. I have never dealt with a bank that had mislead me and it has caused great frustration on my part. I am at my wits end so I am writing this complaint in the hopes of getting the attention of someone at the Bank so that my loan can close.
My loan agent is XXXX XXXX and his supervisor is XXXX XXXX. Neither have contacted me in over a week.
|
| 04/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
|
On Friday XX/XX/2022, I deposited a paycheck from my employer using Mobile Deposit through my bank 's mobile app. The amount of the check was larger than usual, because I was paid for accrued vacation time. The total amount of the deposited check was {$7800.00}.
On Saturday XX/XX/2022, I noticed the bank had placed a hold on my deposited funds. One hold was in the amount of {$5300.00}, and the other hold was in the amount of {$2300.00}. Evidently the bank saw fit to make {$220.00} of my paycheck available to me overnight.
On Saturday XX/XX/XXXX, I tried calling the online banking department. After going through the menu of options, I was placed on hold and told by automated message that they were " experiencing a staffing shortage '' and the " expected hold time would exceed one hour. '' I hung up and called my branch manager, XXXX. He answered right away, and when I asked about him removing the holds, he said he couldn't do that, that once a check is mobile deposited, the only option is to work with the mobile banking department to release the holds. Since I didn't have an hour to spare on Saturday and was preparing to go to work, I waited until Monday XX/XX/XXXX and called the mobile banking department again, only to be met with the same message of a " staffing shortage and a hold time exceeding one hour. '' Today, Tuesday XX/XX/XXXX, I again called the online banking department, and this time, after holding for about 13 minutes, someone answered. I explained the reason I was calling and requested that the hold be removed from my deposited paycheck. I was told that the hold would not be lifted and my paycheck would be held until XX/XX/XXXX. The online banking representative told me she could not remove the hold and reminded me that potential holds are disclosed on the app during the mobile deposit procedure.
I have banked with this bank for 11 years and have never had a deposited item of any kind returned. I have several accounts with this bank, and have in the past mobile deposited checks exceeding {$75000.00} that were not held at all. I have not experienced a returned check drawn on this account in many years, and the last time I did, it was a bank error due to holding my deposit!!!
This new hold appears random, and is abusive precisely because of its unpredictable nature. Perhaps the bank is now imposing holds on all deposits as a result of the fact that Bank of the West was recently sold. I don't know what is going on internally with this God-forsaken bank, but holding a person 's paycheck for 12 calendar days is excessive and abusive, particularly given that the check was drawn on a local, in-state bank. I have no doubt that the check had already cleared by Saturday XX/XX/XXXX, or Monday XX/XX/XXXX at the latest. To hold my funds for another 10 days is absurd. Meanwhile, I'd like to pay my mortgage and other bills, but can not due to this bank that by all appearances operates like a XXXX XXXX or at least as if it is controlled by one.
What kind of bank imposes abusive hold times on people 's paychecks, turns the customer away from resolution at the branch level, wastes exhorbitant increments of their customers ' time by not having enough staff to answer calls about its own abuses, and when the customer finally does get through to that " department, '' refuses to help the customer? BANK OF THE WEST! This bank should be investigated and shut down. I'll be closing all of my accounts down just as soon as this poor excuse for a " bank '' deems me worthy of having access to my own money. I advise my fellow citizens to immediately withdraw all funds from all large banks, and open accounts with local, community banks and/or credit unions, where you can talk face to face with a real human being and have your matter taken seriously and resolved according to standards of human decency.
|
| 09/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
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I opened checking and saving account at Bank of the West XX/XX/2016. I have been the primary account holder, and my husband 's name is on both accounts, I have been the only person who has been managing these XXXX accounts online. I have never shared online information with anyone, including my husband.
After we opened the accounts, I received a credit card under my name from the bank, I did not activate the card and shredded the credit card. XX/XX/XXXX, I received another credit card, I did not activate the card and shredded the credit card.
On XX/XX/2016 I suddenly noticed that under credit card, there was a cash advance transaction of {$1000.00} on XX/XX/2016, and I was charged fees by the bank. I called the bank right away, I explained to the bank representative that I did not activate the credit cards, and I do not have actual credit cards because I shredded them. But that woman told me that the credit card I received XX/XX/XXXX was activated, the second credit card I received XX/XX/XXXX was not activated. She told me they would investigate.
On XX/XX/2016, I received a letter from the bank dated on XX/XX/2016 stating both the card and PIN were used to complete the transactions, and also stating their investigation also confirmed that no duplicate cards were issued.. I called the number on the letter to ask for investigation files, the bank representative told me that the cash advance was transferred to my personal checking account on XX/XX/XXXX. I was shocked as I have never done this kind of transaction. But when I checked my personal checking accounts, I saw a transfer of {$1000.00}, I told her I did not make the transaction, and if she could tell me where the transaction was made, she told me to go to the branch to find out details about transaction.
On XX/XX/2016, I went to the bank, a banker called XXXX answered me. I told XXXX about what happened, he printed out my account details and said, " The cash advance from the credit card was transferred to your checking account by the bank to cover overdraft. '' I told him that the credit card was not activated, and I shredded it, how was the bank able to transfer the money from the credit card? He said when the credit card was mailed to me, it was activated already. Then I asked him to show me where overdraft was as there were no overdrafts in my checking account. At that time a woman told him to call credit card office. XXXX told me to come back around XXXX. After I went back to the bank, XXXX told me that he had involved the management, and conducted full investigation, here was the result:1. After I called the bank on XX/XX/2016, the bank sent me another credit card. 2.The transfer was made online by my husband.
I told him when I called the bank on XX/XX/XXXX, I asked the woman to deactivate the credit card, and I did not ask for another credit card. I told XXXX again that my husband does not know online access to the bank accounts and I have been the only person who has been managing the accounts.
I have checking account and saving account with Bank of the West, and their account balances are XXXX. I asked the bank to close them as those accounts had nothing to do with credit card account ; XXXX did not allow me to close the accounts.
After I left the bank, XXXX called my home accusing my husband of transferring the cash advance of {$1000.00} on the phone.
Based on the above, I am filing a complaint against Bank of the West : 1.Bank of the West activated the credit card under my name without my knowledge and transferred money out of credit card without my permission.Now the bank is charging mne fees.
2. Bank of the West is refraining me from closing my accounts at Bank of the West, they are forcing me to keep my accounts open.
3. Bank of the West harassing my family by accusing my husband
|
| 11/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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Web |
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The following is a copy of complaint sent directly to Bank of The West, on XXXX XXXX, through their online customer service message system. Receipt was acknowledged the same day, with a promise of a response by mail after completing a review. We 're still waiting on a response.
-- - Object : reimbursement of home appraisal fee.
To whom it may concern, We kindly request a refund of the upfront appraisal fee collected by Bank of the West ( BotW ) to process a refinance mortgage application. We claim that the failure to complete the transaction is due to errors committed by BotW. We therefore, request a refund in the amount of {$500.00}.
The character limit here does not allow for more than a brief summary. Should you require additional information, please provide an address, and we 'll be happy to furnish a more detailed account of events.
The essence of the matter is that the initial disclosures and loan estimate, received XXXX XXXX, indicated a {$500.00} prepaid appraisal fee. Five weeks into the process we receive a request for an additional {$330.00}, to obtain HOA documentation. Mortgage agent, XXXX XXXX, and the Processor, XXXX XXXX, both write that these fees could not be anticipated prior to completion of the Appraisal. However, the appraisal had not identified any adverse conditions, and we had fully disclosed the nature and location of the property, which are, of course, also a matter of public record. BotW is solely responsible for overlooking these cost.
XXXX XXXX, we declined to make the additional payment, but provided some of the required documents. As part of the email exchanges the Processor requested to " recall '' the original message requesting prepayment, and we assumed BotW now had sufficient information to proceed. On XXXX XXXX, we receive an updated loan estimate, with change of circumstance adding a {$450.00} rate lock extension fee.
Furthermore, the request for {$330.00} was not reflective of reasonable costs. The association 's standard HOA questionnaire fee is {$170.00}, and rush processing ( {$270.00} ) only seemed " necessary '' due to BotW 's late request for this information. Other documents could be obtained free of charge. Other amounts, that unlike the additional appraisal costs had been included the loan estimates, were also very high. However, we had chosen to trust XXXX, when he told us that the actual cost would be much lower.
The insincere insistence that the additional cost could not be anticipated, caused us to loose confidence, and on XXXX XXXX we contacted a different lender, as a backup plan. We were able to close with this lender in under 3 weeks. This with an appraisal cost of {$340.00}, none of the HOA related fees, or the much exaggerated title cost estimated by BotW. One have to question the wisdom, and ethics, of quoting, and we suspect charging, exaggerated fees, while informally quoting much lower " typical cost ''.
Ironically, we were aware that the conditions offered by BotW were below market. However, we had hoped to consolidate a number of financial accounts, and we were willing to pay the premium mortgage rate to accomplish this goal. Now, rather than expanding, we 're forced to consider terminating our relationship with Bank of the West.
We prefer to believe that this turn of events was due to an initial mistake, combined with inflexible processes. We hope your response to this request will affirm this belief. We certainly hope that what transpired is not the result of a deliberate, unlawful and unethical practice designed to lock-in customers to sub-market loan conditions.
In hope of a response to this request for reimbursement of the {$500.00} appraisal fee by XXXX XXXX, 2016.
|
| 05/11/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
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Web |
|
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My name is XXXX XXXX, and I have lived in the area for over three decades now, spending the past 9 years in XXXX specifically. I owned a XXXXXXXX for a while but was forced to close shop last XXXX because the rent increased seemingly every single month. I XXXX XXXX XXXX, and that alone was a crushing blow to my finances and spirit. My humble abode is located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. Coincidentally, the monthly mortgage on this property ALSO began to climb. The result of which, is that the house is presently in foreclosure. There is posted sale date, but I refuse to sit around and wait for someone to take my home from me. Especially when I just KNOW there have to be options available to me regarding my circumstances for which I am detailing in this letter.
One of my hardships has to do with severe medical ailments and issues that both my wife and I are currently dealing with. Namely, my wife has been battling with bouts of XXXX for quite some time now. I am struggling with XXXX while I try to navigate my financial woes. All of this combined with current events regarding this historic pandemic puts me in such a hard place in my life right now. I am a high-risk individual and my world is seemingly falling apart presently. My family and I are afraid to go outside and now there is a risk our safe haven is going to be stripped from us as well. A physical move right now amid this Covid-19 craziness will kill us. What choice are you leaving us right now? What kind of press would that make? I think of many unfavorable headlines if something were to happen to us because we were kicked out of our property in the middle of a virus outbreak. As I understand it, the government is asking mortgage bankers and landlords to not evict tenants and consider the forgiveness of rent debts. I would like to pull all levers available to me right now. What I need is for you to give me another chance to pull my home out of foreclosure. After your broker 's presentation upon initial signing, I truly believed I understood the loan and its terms. Boy, was I utterly mistaken. The representative spoke with such a broken accent and it was clear English was not their first language. English is also not my first language either. Struggling and desperate, I agreed to all the promises I believed would be kept. I felt pressured to proceed with the loan, only to find out later it was interest-only. Do you know how I found out? This was discovered only after I started investigating why monthly payment was consistently increasing for no apparent reason, reminiscent of the business loan situation described earlier. I simply could not continue payments on both loans. I was inquiring about modifying the loan to alleviate some financial pressure and make payments more manageable. Why did it take all of that for me to find out the true nature of the loan?
Like I mentioned, we are petrified to venture outside the house, yet we must do so to make ends meet. I work at a XXXX and earn {$2400.00} a month. My daughter-in-law, who works at XXXX XXXX, moved in with us to help contribute financially. She currently faces potential layoffs due to the economic and health crisis. We have recently offered to put up several thousands of dollars for payment and it was rejected because of the status of the loan. I have been going to the bank for years to make payments, interacting with your tellers in person. Please tell me how I am JUST NOW finding out that my previous payments have been going to some trust fund instead of paying off this confusing mortgage I was doped into agreeing to. How is that possible? I am trying to do the right thing and keep getting XXXX over left and right.
|
| 08/23/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
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I am asking for your help with my Bank of the West HELOC, which I've only used twice and which has been a cluster both times.
Here is the current issue. I had no previous balance/amount due. On XXXX a check I wrote posted on my HELOC account for {$8100.00} ( advance ). I made a billpay payment from another bank for {$8100.00} to pay it almost immediately, it was posted XX/XX/XXXX. Today I open my statement that says I have a past due amount of {$91.00}, plus {$11.00} in current interest ( billing statement is from XX/XX/XXXX to XX/XX/XXXX ), for a total due of {$100.00} by XX/XX/XXXX.
This seemed high to me, so I logged into the account. Note, there is no transaction history available. There are no statements available. Nothing ( I took screen prints - it seems crazy that there is no way to see transaction history or history ). Online, it said I was 22 days past due ( today is XX/XX/XXXX, so I assume the previous due date was XXXX but I did not get this statement ) and that I owed a balance of {$100.00}.
1. ) How can it say on my statement I owe {$100.00} by XXXX ( and if received after a late of {$0.00} will be charged ), but online it says I owe {$100.00}? How does {$5.00} get randomly added before the due date stated on the statement?
2. ) Where does the {$91.00} " past due '' amount come from? I can assume the previous statement period ended XX/XX/XXXX. So that means I have interest due from XXXX to XX/XX/XXXX on {$8100.00} at 7.54 %. That's about {$8.00} in interest, nothing near {$91.00}.
3. ) Today I have gone through the Bank of the West phone tree. This has to be the worst bank service in the west, or maybe in the whole country, or maybe in the whole world. I have spent XXXX hours this morning in phone trees. I get transferred around. And I get hung up on. I find it funny I have to repeat my information to each agent I am transferred to and one of the things they ask is " and do I have your permission to call you back if we get disconnected '' - but yet we get disconnected and no one calls me back. Of course this is intentional. No one can explain why I show {$91.00} past due so it's easiest to hang up.
I have paid the {$100.00} via my billpay because I do not want to be reported late on my credit report. But I should have an overage once this gets settled, and I want that refunded to me.
I mentioned at the beginning this I had one previous draw and one previous issue. It is very similar. I took a {$10000.00} advance and paid it off almost immediately. I wasn't sure what the interest would be, so I paid extra ( not much, it was like {$100.00} ) and figured either the extra would sit on the account as a credit or would be refunded. Problem is, I never got either. There was no credit on the account and there was no refund. I spent days in the phone tree - again being transferred around and hung up on. I tried their chat/email - and just got messages back to call them. My last message was a threat to file a complaint with you at that time and then magically I got a refund.
This time I'm not going to waste so much time. While typing this I have attempted to contact them again, but have been on hold for 20 minutes so far waiting for a supervisor. My guess this phone call will, too, be disconnected.
I am asking for your assistance to get my account corrected with Bank of the West. And I strongly recommend you look into their loan servicing practices. I am very familiar with loans and loan servicing. The accuracy on this is terrible. Do they just skim a little from their customers and hope that they won't notice, or hope they will give up while waiting in their " customer service '' queues only to be hung up on?
|
| 01/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
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Web |
|
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Bank of the West sent out a notice that it was removing overdraft fees on all personal and non personal accounts on XXXX. '' Bank of the Wests Returned Item fee was previously charged when a check, recurring debit card payment or automatic payment was presented against a customers account with insufficient available funds. The Banks Extended Overdraft fee was applied when a customers account remained overdrawn by {$15.00} or more for five days. Customers will no longer incur NSF fees or Extended Overdraft fees on their accounts. " XXXX XXXX XXXXXXXX Bank of the West not only continued to charge ME overdraft fees on these kinds of transactions they misrepresented what my balance was and kept approving transactions collecting a mountain of overdraft fees and ignoring my communications about it. What they communicated my balance was in official correspondence often differed from what was in the online dashboard. I was repeatedly charged for unauthrorized and duplicate transactions as well AND charged overdraft fees for those transactions too.
On XX/XX/XXXX i received a {$35.00} fee for a {$4.00} transaction. The notification said that my balance was negative {$47.00}. On XXXX my balance was {$67.00} and at the start of XXXX after a deposit it was XXXX. An item for {$110.00} came in and left me with a XXXX balance then Bank of the West Charged me {$35.00}. The {$4.00} charge they claim overdrafted me was an unauthorized recurring charge that I alerted to the bank to back in XXXX of XXXX which they had refunded before but NEVER blocked after I told them multiple times. This charge has repeatedly appeared on my account and I have been charged fees multiple times because of it.
On XXXX, XXXX and XX/XX/XXXX I was charged 4 times for overdraft fees for recurring items which in direct conflict with the banks new policy issued on XX/XX/XXXX. We're now up to {$210.00} in fees. On XX/XX/XXXX I wrote to customer service explaining the policy including the link and online teller XXXX XXXX responded by refunding me {$35.00} and not addressing the policy and the Bank of The West mistake. We're back to {$170.00} in fees I had deposits that cleared up the negative without being reimbursed and I was charged fees for recurring transactions again on XX/XX/XXXX for XXXX from XXXX twice, one of which was a duplicate charge. {$70.00} in OD fees- now we're up to {$240.00} + $ XXXX XXXX dollars I had additional deposit come in and used my card for {$5.00} and I had another duplicate charge and Bank of the West issued {$70.00} in overdraft fees. Now we're up {$320.00} Then I was charged again by XXXX {$8.00}, another unauthorized {$4.00} washingpost charge came thru AGAIN and a {$10.00} XXXX ransportation charge. Bank of the West approved and paid all of these transactions and charged me {$100.00} - Now we're up to XXXX XXXX XXXX in overdraft fees plus XXXX XXXX XXXX in duplicate/unauthorized charges = {$430.00} This is just pure greed on the amount of Bank of The West. I repeatedly wrote to them via email and told them that I opted out of overdraft last XXXX and reminded them of their own policy from XXXX of this year. There's zero reason I should have incurred these fees NOR should they have continued to post unauthorized transactions to my account after they'd been made aware. Charging me multiple times for the same transaction and multiple OD fees for that transaction is predatory ESPECIALLY when you sent out an entire press release that you weren't charging OD fees anymore.
Bank of the West should return my {$430.00} and get better data practices.
|
| 05/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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I deposited my Economic Impact Payment of {$940.00} into my Bank of the West Account on either Thursday XX/XX/XXXX or Friday XXXX. The funds were made available the next Monday. On Wednesday XXXX at approximately XXXX PST, I checked my account, only to find that I was completely locked out and suspended. I was told to call their customer service line, who said they could not tell me anything about what was going on, and that I had to step into a branch.
Upon going to the branch in XXXX and asking what was going on, I was grilled by the teller about recent XXXX transactions that I had made. After explaining these payments, she then questioned why I had opened an account on XX/XX/XXXX. I told her that I had just moved to XXXX from XXXX, that my previous regional bank was not operating in this state, and I needed to establish a new banking relationship. She then questioned why a previous check I had deposited ( which they held for 2 weeks before FINALLY making available ), was made out to a XXXX address. I re-explained that I had just moved. She then said she had to speak to her manager to get the hold removed, and made me wait about 15-20 minutes.
After the teller finally called me back up, she told me that my debit card was cancelled and my account was going to be closed. Her reasoning was that my STIMULUS CHECK, which was not mentioned up to this point, was considered by the back office to be fraud because it was not the typical {$1200.00}. I explained how, since I made more annually than the XXXX gross cutoff for the {$1200.00}, but less than the XXXX cutoff for the stimulus, the check amount was scaled down from the {$1200.00} to {$0.00} scale, which is why my amount was different. Mind you, I am completely baffled how a financial institution did not realize how the economic impact payments worked, and that I had to explain it to them. You can not make this up.
She then said my available balance was reduced from ~ {$1600.00} to ~ {$670.00} because the funds had been placed on hold. Finally, she said that I had to bring the physical check in for the manager to look at and decide whether or not it was valid and to keep my account established. However, if I wanted this resolved today I would have to drive to the branch 20 miles away in XXXX, as that is where he was. I said I would do that, because I had bills I had to pay today, transfers that were scheduled, I needed to make a wire transfer, and unemployment benefits were due to hit my account that day.
Upon arriving at the branch in XXXX with the physical check, the manager took it for review. He then stated that there was nothing he could do, as the back office had decided it was " altered '' and fraudulent. In order to keep my account and not have it closed, I had to simply wait for the check to clear. Until then, I would have no access to my funds and could not transfer money.
This charade I am being put through is borderline criminal. If this account is closed erroneously, I will have no access to my UI benefits, my severance payment from being laid off, will incur penalties for late bills, and have no access to money for weeks. I do not have another account. This stimulus check is 100 % authentic and will clear, but I fear they will close my account regardless. I am already under extreme stress after relocating across the country only to be laid off a month later, and having this compound my duress may be my breaking point. Currently, I am in a state of financial purgatory with the threat of having my only bank account closed looming over me.
|
| 01/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
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Web |
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On XX/XX/XXXX, I, XXXX XXXX, have been scammed {$2600.00} from XXXX XXXX. On XX/XX/XXXX, XXXX reached out to me by phone after over 6 years of no contact. He claims he just thought of me out of the blue and found my number via XXXX where my business number is linked to. He said he has a business proposition for me and wants to help me start my own business prior to him leaving for XXXX on XX/XX/XXXX for a business trip. He said he wants to start a car rental business for me as well as a congregate living facility that I will be managing. All I had to worry about is finding the house to get under my name as well as the vehicle he wanted me to get. He claimed the clients and nurses were already ready and his team already created a portfolio for me. On XX/XX/XXXX, I had a singing gig at the 3rd Annual XXXX XXXX XXXX XXXX ( which is mostly supported by law enforcement ) and told XXXX XXXX where Ill be along with my now fianc, XXXX. He said he would like to attend and would I prefer for him to buy a ticket or donate to the charity. I said Its up to you and linked him with one of the head coordinator XXXX so they can discuss the details XXXX would need if he was going to make a donation. That evening, I reunited with XXXX for the first time since XXXX and he claimed he made a large donation to the organization. Towards the end as they were announcing the biggest donation for the event, I started filming XXXX while XXXX announced the biggest donator who wanted to remain anonymous, XXXX said that he wanted to stay anonymous and to my surprise XXXX said he donated a total of {$5.00} XXXX to the foundation. Everyone was in awe. On Monday morning, XX/XX/XXXX, XXXX called me and said, Hey Im going to give you {$15.00} million and have it transferred to your account so I can help you. All I need is for you to send me the wire fee which will be emailed by XXXX my assistant in the XXXX. I was in awe and I said you dont have to do that but he insisted because he claimed I was one of his best friends. I sent XXXX from my Bank of the West account transferred him {$2600.00} to his XXXX XXXX account because he claimed thats the fee for the {$15.00} million but not to worry he will pay that money back soon. His now estranged wife is not to be trusted. He said his soon to be ex wife, XXXX XXXX, only used him for money so he needs real people which he claimed I was in his life. He attended a meeting with a Technology company and promised them {$25.00} million for 20 percent stake in the company. He wanted my fianc to be a part of the business and he had me and him run around to meet with multiple people from car salesman to different business owners he was claiming he wanted to invest in since he has {$400.00} plus million dollars that will be coming in from the XXXX due to all his businesses and itll just go to taxes if he doesnt spend it or help his friends with. He told my fianc he doesnt need to go to his job as a supervisor for XXXX anymore because the millions will soon be in my account. 2 months later the money is still not in my account and he also stopped contact with the XXXX XXXX XXXX. When I would call him and ask him where was the money he kept choosing a random new day and said it was being delayed from some reason. Hes claimed he bought XXXX XXXX, Real Estate all over the country, dialysis centers in the XXXX etc, I confronted him about it and he said theres just some hold up, he would make up an excuse after excuse.
|
| 12/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
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I asked bank of the west to close a checking account on XX/XX/XXXX, they replied back that they could close it which was unnecessary. I replied back close it on XX/XX/XXXX, after that I lost online access and after making the request which prevented me from reading the most recent message and assumed the account was closed. They apparently reopened the account and charged me a service fee of XXXX which caused the account to go negative XXXX and may have resulted in negative XXXX information. I was n't even able to make an ach transfer to the account due to getting a security question wrong.
Dear XXXX XXXX XXXX, Thank you for your reply.
As you instructed, weve issued a request to close your account XXXX. This account should reflect a status of " Closed '' within five business days. Any remaining balance will be mailed via check to your address of record.
Any outstanding transactions, including checks, recurring payments, automatic deposits and debit card transactions may be processed if they 're presented before your account is closed. If transactions are presented, the closure process may not be completed. In which case, you will need to contact your branch directly at XXXX to close your account.
Thank you for banking with Bank of the West. We hope you will consider us for your future banking needs.
Sincerely, XXXX XXXX.
Online Services Bank of the West Deposit and loan products offered by Bank of the West. Loans subject to credit approval. Certain fees and restrictions may apply. Member FDIC. Equal Housing Lender. Copyright XX/XX/XXXX Bank of the West. All Rights Reserved. Doing business in South Dakota as Bank of the West California.
Investment and Insurance products : NOT FDIC INSURED / NOT BANK GUARANTEED / MAY LOSE VALUE / NOT A DEPOSIT / NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY Want quick access to your account balances? Check out Bank of the Wests Mobile Banking, its quick and easy. Enroll now by visiting www.bankofthewest.com.
-- - Original Message -- - Sent : XX/XX/XXXX XXXX XXXX To : BOW Subject : RE : Contact Customer Service Okay go ahead and close the account asap, thanks. -- - Original Message -- - Date XX/XX/XXXX XXXX XXXX From Customer Care Subject RE : Contact Customer Service Dear XXXX XXXX XXXX, Thank you for your recent inquiry.
You can request an account closure through Bank of the West Online Banking if the account balance is between {$0.00} and {$1000.00}. In addition, we must be able to process your request on the day it is received.
Please let us know when you 're ready to close your account, and we 'll be happy to assist you.
Thank you for using Online Banking. We appreciate your business and the opportunity to serve you.
Sincerely, XXXX XXXX.
Online Services Bank of the West Deposit and loan products offered by Bank of the West. Loans subject to credit approval. Certain fees and restrictions may apply. Member FDIC. Equal Housing Lender. Copyright XX/XX/XXXX Bank of the West. All Rights Reserved. In South Dakota, Bank of the West operates as Bank of the West California.
Investment and Insurance products : NOT FDIC INSURED / NOT BANK GUARANTEED / MAY LOSE VALUE / NOT A DEPOSIT / NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY -- - Original Message -- - Sent : XX/XX/XXXX XXXX XXXX To : BOW Subject : Contact Customer Service Account : XXXX I 'd like to close my account and receive a check for the remaining balance.
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| 09/10/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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On XX/XX/XXXX My brother brought my parents into Bank of the West in XXXX AZ to close out my parents bank accounts for the second time as they first tried in XX/XX/XXXX. My brother is not on the account and my parents recently moved to AZ near him. My brother said that the employee along with the XXXX XXXX assured him and my parents that the accounts were closed and that there will be no more service fees and all XXXX transactions will be blocked. They were given cashiers checks payable to my brother instead of my parents and the balances were brought to a XXXX. I looked online and I noticed that the accounts were not closed and several ACH have gone though as well as a check that was stale dated along with their overdraft protection transferred over to cover these items along with more fees. My brother has spent hours with Bank of the West and will not go back to the location in XXXX AZ anymore to resolve the issue. My parents are in their mid XXXX with severe health issues and I am a signer on the accounts.
So on XX/XX/XXXX, I went to the Highlands Ranch location where I live and talked to the BM XXXX XXXX. He said that that he would have to see if it is really a bank error and reach out to the branch XXXX in AZ to see what he can find out and that he could not dispute any ACH since originally as it had been set up years ago and I let him know it was cancelled months ago but they still keep pulling them out creating fees and not being able to close the accounts. I asked him if I could get the BM name so I could reach out directly to him because it really had nothing to do with XXXX XXXX but wasnt given the information.
I spoke to my parents and found out the location was XXXX AZ and the BM was XXXX XXXX and tried to reach out to him but he was out of the office a few days and they gave me an email address that went I tried to send was invalid.
XX/XX/XXXX I called customer service spoke to XXXX to dispute the XXXX XXXX that came out of the account since it was supposed to be closed on XX/XX/XXXX and asked about getting the fees refunded. She completed the disputes and then said that I had to hold to get any refunds, so I was on hold for another XXXX minutes and said it was the only way to get them refunded to find out that only XXXX was refunded and that I needed to go into the branch for anymore. She was very nice but didnt know that keeping me on hold trying to reach someone that would not be able to help. I was on the phone for about XXXX? She by far was the most helpful of everyone and did what she could do.
With not getting any return calls from the BM I reached out to their corporate headquarters on XX/XX/XXXX and spoke to XXXX XXXX and she was very nice and said that she will ask that the Region XXXX contact me by tomorrow and followed up with her email if I have any issues. I emailed her on XX/XX/XXXX stating they never contacted me so I expected beginning of the next week. On XX/XX/XXXX I called her to let her know I still havent heard from anyone. On XX/XX/XXXX I emailed my disappointment to her that no one will follow up and that I will have to reach out to someone else above her and I still have never received a response from anyone.
A very simple matter has caused unnecessary hours on our part with no resolution forcing me to take this action. I am not XXXX to complain so that how frustrating this is dealing with unprofessional people.
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| 08/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX. located at XXXX XXXX XXXX, XXXX XXXX, Colorado for an oil change, and to discuss my XX/XX/XXXX end of lease options. I ended up signing a Retail Installment Sale Contract With Arbitration contract with XXXX XXXX XXXX financed by XXXX XXXX XXXX. The Finance Manager was XXXX XXXX. The following week, I received a phone message from XXXX XXXX advising me that I needed to return to resign the finance document because it was rejected by XXXX XXXX XXXX, due to a clerical error. When I returned to XXXX XXXX XXXX on XX/XX/XXXX, I advised XXXX XXXX that I had changed my mind and that I did not want to sign a new contract, especially that the one that I had signed had been rejected. I wanted to keep my existing lease with XXXX XXXX XXXX, which did not expire until XX/XX/XXXX and turn in the vehicle at the end of the lease. He consulted with another manager who told me that XXXX XXXX XXXX had already cut a check and submitted payment to pay off the existing lease and that they intended to resubmit the contract through another bank with or without my consent. I strongly voiced my objections very clearly and reiterated that I did not want to sign a new contract, and that I wanted to keep my existing lease which was still in full effect. From XXXX XXXX to XXXX XXXX, I received multiple hits on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Bank of the West, and XXXX XXXX XXXX . The last payment I made to XXXX XXXX XXXX was on XXXX XXXX, therefore, XXXX XXXX XXXX had not cut a check and submitted payment to pay off my existing lease with XXXX XXXX XXXX as they had stated to me on XXXX XXXX. My existing lease was still in full effect. On XXXX XXXX, XXXX, I received a letter and Loan Payment Book from Bank of the West, New, Loan # XXXX, notifying me of the new loan, with the first payment due XX/XX/XXXX. I immediately called Bank of the West that day to notify them that I had never signed for this loan. I first spoke with XXXX, and then a manger by the name of XXXX. He said that he would initiate a fraud report. I requested to get a fax copy of the loan document to see if my signature was on the document, but did not receive it due to a problem with my fax machine. I called again on XX/XX/XXXX and spoke with XXXX about the entire matter and provided my work fax number but never received the fax. I called again on XX/XX/XXXX and spoke with XXXX about the entire matter, and provided my work fax number a second time. When I reviewed the contract I was not surprised to find that it is unsigned and undated. When I checked my XXXX XXXX XXXX online account on XX/XX/XXXX, I saw that the lease was paid off in full by XXXX XXXX XXXX on XX/XX/XXXX. I am filing this complaint because the management at XXXX XXXX XXXX XXXX. should be held financially accountable for deliberately and willfully executing a new loan with Bank of the West without my consent or signature, and against my express wishes when my existing lease was still in full effect, and had in fact not been paid off on the day that I make my wishes very clear. Bank of the West executed a loan that was neither signed, dated nor approved by me, the alleged borrower. This Bank of the West New Loan # XXXX was executed under fraudulent circumstances, is therefore null and void, and must be cancelled immediately.
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| 05/21/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
Older American |
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Bank of the West ( BotW ) is unreliable, uncaring and unwilling to help customers in need.
On XX/XX/XXXX, my wife and I went into the XXXX, XXXX branch of BotW where we had banked for three years. We originally opened our BotW account at XXXX, XXXX when we moved to XXXX in XXXX.
During this visit, we wire transferred earnest money to an escrow company in XXXX XXXX, XXXX as part of our purchase of a property there. While conducting this business, we asked the BotW employee helping us how we could submit a second wire transfer for the balance due at closing when we would no longer be physically in XXXX or near a BotW branch ( none in XXXX ). The employee told us that since we had come in person to the branch, been verified and would be sending the wire to the same exact company and routing information, just with a different amount, that we would be able to initiate the second wire transfer via telephone. We were happy to hear this and thought nothing more about the answer. BIG mistake on our part.
Fast forward to XX/XX/XXXX. We are in a rental house in XXXX XXXX and call BotW to initiate the second wire transfer. NOW we are told a completely different story. " Oh no. Bank POLICY requires you to be in person for a wire transfer. '' We were also basically called liars by the officers at the XXXX branch and the XXXX branch because they both said, " Oh no. One of our employees would NEVER tell you that. '' Their suggestion : see if the escrow company would take a personal check. A FREAKING PERSONAL CHECK FOR THE BALANCE OF A HOME PURCHASE!! When my wife asked if BotW would do that, she did not get an answer. Frankly, this answer was not only ridiculous, it was insulting.
Their only solution : show up at a BotW branch in person. SO - since BotW was unwilling to fix their mistake and didn't care enough to come up with a realistic solution - that's what we did. I flew from XXXX XXXX to XXXX XXXX and back in one day. I took a cab from the airport to the BotW branch in XXXX XXXX, sent the wire transfer, then took a cab back to the airport and flew back to XXXX XXXX. As a XXXX person, this was VERY taxing for me, but based on our situation with the move, it was the only solution.
BotW was unrealiable, uncaring and unwilling to help us in this situation that one of their employees created. They cost us a LOT of unnecessary money to fix THEIR mistake by one of THEIR employees. People need to understand thney can not trust ANYTHING told to them verbally by ANY BotW employee because the Bank will not fix it if there is a problem and call them liars if they insist they were told otherwise.
Worst of all? BotW officers kept intoning " bank policy '' as if it were a Bible verse. Here 's a hint : policy is not law. Exceptions can be made to " bank policy '', unlike state or federal laws or regulations. Especially in a case where two people were given wrong information by a BotW employee. And you know what? Now the XXXX branch mysteriously claims that they can't identify the employee who conducted the wire transfer, even though the employee has to sign and put their information on the document. Gee, very convenient, hunh?
Okay, enough ranting. Like I said, we're still recovering from traveling XXXX miles on the move, making a day-long trip to XXXX XXXX courtesy of BotW and moving into our new home. Thanks for nothing, Bank of the West!
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| 06/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't contact lender or servicer
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Web |
Older American |
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I was referred to you by the Ohio Attorney General 's Office. I applied for an RV loan with Bank of the West/Essex Credit and received counter offer on XXXX XXXX. My loan application officer was XXXX XXXX Essex Credit Division XXXX Inside Rep II NMLS # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. I accepted the counter off and the application was approved on XX/XX/2021. Additional requested information was provided at that time. The seller and motorhome was physically located in XXXX, Indiana. The loan closing was on XX/XX/2021. The seller was wired the money, and at the request of BOTW/Essex Credit, sent the original title to them to complete the Ohio title work and Ohio registration, as outlined tin the loan agreement and truth-in-lending statement and financed into the loan, along with the Ohio sales tax. The seller had the motorhome stored inside for the winter and offered to let us leave it stored until the end of XXXX, 2021. All seemed to be progressing. I then received an email in early XXXX that I would need an Ohio VIN inspection to proceed with the title work. I explained to XXXX XXXX that Ohio requires the motorhome to be physically in Ohio and to be inspected, in Ohio, by a qualified XXXX inspector. I further explained to her that the motorhome would not be physically in Ohio until the last week of XXXX, 2021. On XX/XX/2021, I received another email, this time from the BOTW Closing and Funding Department/Essex Closing and Funding Team once again requesting the Ohio VIN inspection. I immediately returned the email. explaining that I had been attempting to contact them for 2 weeks and once again explained the delay. This time, I received an email response on the next day, XX/XX/2021 acknowledging the circumstances and stated they would reach up and follow-up at the end of the month. BOTW/Essex Closing and Funding Team was showing an address as Bank of the West XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX I applied for, and received, a 45 day temporary registration on XX/XX/2021 that would allow me to transport the motorhome back to Ohio. The motorhome was transported to Ohio on XX/XX/2021, I received the VIN inspection of XX/XX/XXXX, returning it overnight via XXXX and BOTW /Essex Credit shows it was received on XX/XX/2021. After not receiving the title or registration by XXXX, I began calling XXXX Customer Service at XXXX. Since XXXX, I estimate I have called them at least 20 times, talking with Customer Service Reps and their Supervisors, and each time I was assured that my request was being escalated to the Collateral Team and I would hear from someone within 48 hours. It is XX/XX/XXXX, and I am still waiting. Last week, I filed a formal Complaint with the XXXX Customer Service Team and was assured that this would escalate my issue even higher up the chain, and I would be contacted within 48 hours. Still waiting. At this point, my second and last Ohio temporary tag expires on XX/XX/2021, and the Ohio DMV advises they can not issue anything more without the title. So on Saturday, XX/XX/XXXX, I will have a Class A diesel motorhome, that I am making payments to the bank, is insured, and I will not be able to drive it on the highways. I have all the loan information and email correspondence should you need copies. Thank you for your assistance in this matter. I have also filed a complaint with the FDIC.
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| 12/06/2016 |
Yes |
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Web |
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XX/XX/2016, as I logged into my rewards account for Bank of the West credit card, there was a notification box that indicated our account would be changed from the current rewards program to a cash-back program, effective XX/XX/2016. The same information box indicated that if our current points were not redeemed, they would automatically be converted to a cash reward ( credit to our statement ) at 1 % XXXX our balance was nearly XXXX points ). I called on several separate occasions to ask various questions about what type of account we were going to be converted to, when our points would be reflected on our account as a cash reward and when the new 1 % cash back rewards program would be effective. I was told the same information on at least 4 different occasions, by XXXX different people : we would see our converted existing points in XX/XX/XXXX ( which would amount to approximately {$460.00} ) and the new rewards program would become effective XX/XX/2016 and I would start to see the rewards on my monthly statement. As if XX/XX/2016, I had not seen the conversion of our points or the new rewards program - so I called to inquire. Suddenly, the rewards department could n't tell me anything since they had no information on my account. Somehow they could n't look up anything by my account number. The main customer service department could n't tell me anything either - and referred me back to the rewards department who had no information for me. I asked to speak to a supervisor at the customer service department ( I was connected with someone named XXXX ). After 30 minutes on the phone with XXXX, he told me that I should have received a letter stating that my account was being converted from an employee account ( I have n't been an employee of theirs for over 12 years! ) to a standard no-rewards account ; the letter supposedly indicated that if my points were not redeemed, they would be forfeited. I told him I had several conversations with various different people at Bank of the West and NO ONE mentioned anything to me about this - not to mention I never received a letter indicating any of the information he shared with me. Had I been aware, i would have taken steps to ensure my points were not forfeited. He told me at the end of our phone call on XX/XX/XXXX that he would be researching and would call me back by Monday, XX/XX/2016. They were going to confirm the message I viewed upon logging in to the rewards account in XX/XX/XXXX matched the information I was providing him. Since the login screen was the ONLY information I received about our rewards account changing - and was confirmed by several conversations with Bank of the West, I would not have any reason to believe other steps needed to be taken. XXXX also indicated that I would have to " re-apply '' to be included on the 1 % cash back rewards program - when I was told that our account was being automatically converted. I have heard nothing from Bank of the West after XXXX promised to call back by XX/XX/2016. I 'm unsure what steps to take in order to collect the nearly {$460.00} that is due to me in the form of a credit on my statement. I am helpless in the scam and fraudulent information that was provided to me about converting the points and making my account another type of rewards account. Suddenly they are not willing to provide me what is due.
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| 11/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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Sold my RV to a 3rd Party. On XX/XX/XXXX the Third party transferred {$66000.00} to Bank of the West. Once payment of {$66000.00}. was applied, the balance of loan was {$13000.00}. On XX/XX/XXXX, I accidentally made 2 payments of {$13000.00} through my Bank of the West Mobile app. ( immediately one after the other ). When transaction receipts were not produced or sent, I immediately called the Bank of the West to notify them of the error. I was told to call back on XX/XX/XXXX so both transactions could post. Once both transactions hit my account, one was credited to my account on XX/XX/XXXX. On XX/XX/XXXX, I received a letter in the mail stating my loan was paid in full on XX/XX/XXXX and that I would receive my Certificate of Title in approximately 10 working days. On Friday, XX/XX/XXXX, I received another notification in the mail stating my loan was not paid and I still owed {$13000.00} and that the amount of {$13000.00} was credited back to my account. I immediately called Bank of the West explaining that there were 2 payments sent for {$13000.00} and that only one was returned/credited to me leaving them still holding {$13000.00} of my money. On XX/XX/XXXX, I faxed Bank of the West a copy of my bank statement showing them that there were 2 transactions sent to them from my bank and only 1 returned. I also sent them a copy of the letter stating I was paid in full, and letter stating 1 of the funds was returned. On XX/XX/XXXX a work order with Bank of the West was created by XXXX and updated with all the info I had faxed on XX/XX/XXXX. I called back on XX/XX/XXXX to get an update on status of work order. I spoke with XXXX she said nothing had been done as of yet and she was now escalating work order to her Supervisor with updated notes. She said that I was to call back on XX/XX/XXXX as that is when account action was to be completed and that all info could be found in a XXXX XXXX for next agent to locate. I called back on XX/XX/XXXX only to be told by XXXX that she could not see any of my statements or information in file. She also said work order was not completed yet and that they were " behind '' in their department. She also asked if I could again call back on XX/XX/XXXX. When I said no she again put me on hold for at least 30 minutes. When she returned to me she asked if I could call back instead on XX/XX/XXXX and that she was escalating issue. I called back on XX/XX/XXXX and spoke with XXXX. I once again had to repeat the entire situation to her. She once again told me that nothing had been done or addressed with my case and that she was going to request escalation again. She also said that they were actually going to call me back by end of day. I have requested ( twice ) copies of the 2 transactions I made via the mobile app with absolutely no response back. Every single time I call I have to repeat the entire story with the same exact responses given back to me with not bit of forward movement in an effort to fix this situation. They are holding {$13000.00} of my hard earned money during a pandemic hostage with no professional regard for anything. Everything I have sent them clearly shows they have made a posting error on their end and that it immediately needs to be corrected. In the meantime, I am now considered late on my account and this is now affecting my very good credit!
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| 10/08/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I have a checking account with Bank of the West. I had opted-in for overdraft protection. On XX/XX/XXXX made number online purchases. Prior to each transaction my checking account showed a positive balance, using Bank of the West 's phone application. Each transaction lowers the Available Funds immediately. This is how I knew I had a positive balance. On XX/XX/XXXX, I initiated an {$80.00} balance transfer from another account to this checking account. I then made one online transaction for {$81.00} ( apparently broken into two separate transactions of {$77.00} and {$3.00} by the merchant - between product and shipping charges, not sure what they do this, as I authorized one charge of {$81.00} ). This was the only purchase transaction of the day. All others had posted according to the Available Balance. Unfortunately, the {$80.00} balance transfer did not post on XX/XX/XXXX and resulted in an overdrawn account. The next day, on XX/XX/XXXX, I received five {$35.00} overdraft charges. Once I saw the charges, I called Bank of the West to ask how one charge could result in five overdraft charges. I was told that some charges from XX/XX/XXXX had not posted before the account went negative and that each charge then generated a {$35.00} fee ( i.e., {$170.00} for one charge ). The next day on XX/XX/XXXX, XXXX more overdraft charges of {$35.00} showed up in my account. I called again to ask what was going on and was told additional charges from XX/XX/XXXX had not posted until XX/XX/XXXX while the account was negative. The new fees were attributed to charges also made on XX/XX/XXXX. Now I have {$350.00} in overdraft charges due to one online purchase made on XX/XX/XXXX. The following day on XX/XX/XXXX, five more charges showed up in my account. Now there were {$520.00} in overdraft fees from one online purchase. I called Bank of the West consumer service three times and was told there was nothing they could do. I was then referred to the branch manager of the branch where the account was opened. I spoke with XXXX XXXX in XXXX, WI. He told me that I overdraw my account and that all charges were valid and he would not reverse any. This is totally wrong. There is one charge that should have resulted in an overdraft fee and that was the one the caused the account to go negative made on XX/XX/XXXX ( see attached ), before the balance transfer was posted. There were {$35.00} overdraft fees charged online purchases of {$.00}, {$1.00}, {$1.00}, and other small amount. They appear to be reaching back to prior days to assess fees. At least thirteen of these charges are attributable to charges made on XX/XX/XXXX ( see attached example ). This by itself can not be right as I thought there was a limit of five overdrafts fees in one day. The attached documentation from the merchant showing exactly when each charge was authorized ( amount, date and time ). By opting in, I agreed to pay overdraft charges when I overdrew my account. This only happened with one charge not fifteen. Everyday that I called and complained that added additional fees to apparently penalize me. This is unethical and can not be legal. There must be banking standards/rules that protect consumers against this type of banking scam. It's predatory banking in my view. Any assistance you can be provide would be greatly appreciated. Thank you.
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| 03/07/2016 |
No |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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XXXX XXXX, XXXX Bank of the West XXXX XXXX XXXX XXXX XXXX, CO XXXX RE : Mortgage Loan Accounting Department Borrower : XXXX XXXX Account Number : XXXX Property address : XXXX XXXX XXXX XXXX XXXX, CO XXXX Dear BOW employee, Now that I finally have received " 133 days '' an answer from BOW that the debit of {$22.00} from regular payment amount on XXXX/XXXX/XXXX was collected as " Late Fee Payment '' It brings up quite a few more questions that need answered.
XXXX XXXX explained, in the Promissory Note, Section titled " Late Charge '' states " If a payment is 11 days or more late, I will be charged XXXX % of the unpaid portion of the regularly scheduled payment. '' A copy of the Note is enclosed for your reference. Your due date was changed to the XXXX of the month, effective with the XXXX, XXXX payment.
Please explain why there is NOT a late fee posted 11 days after the XXXX of each month beginning with XXXX XXXX, ending XXXX XXXX.
If payment date was the XXXX, why is there No late fee assessed on these 6 months payments 11 days after the XXXX?
Please explain why there is a " Late Fee '' assessed 11 days after the XXXX beginning XXXX XXXX ending XXXX XXXX?
Would payment date changed from XXXX to XXXX on XXXX XXXX explain why there are no " Late Fees '' assessed between XXXX XXXX and XXXX XXXX?
There is NO way you can go 6 months in a row with NO Late fee assessed 11 days after the XXXX then turn around and assess the next 16 months a late fee 11 days after the XXXX. I notified branch manager in XXXX XXXX, that my XXXX claim was awarded, back dated to XXXX/XXXX/XXXX with monthly payments to begin on the XXXX Wed. of each month, beginning XXXX XXXX. I explained that I needed my payment date changed from the XXXX to the fourth XXXX of each month. He claimed it could not be done this way and he suggested it be changed to the XXXX of each month, then stated lets try the XXXX and if we get into trouble we can revisit it then, I agreed. Payment date was changed XXXX XXXX.
The Section titled " Prepayment '' in the Note states " I may pay without penalty all or a portion of the amount owed earlier than it is due. Early payments will not relieve me of my obligation to continue to make payments under the payment schedule. Rather, early payments will reduce the principle balance due '' It was explained to me this is why AutoPay debited scheduled {$570.00} on XXXX/XXXX/XXXX after {$600.00} payment was made 2 days earlier on XXXX/XXXX/XXXX. This clearly shows account is carried out as directed in Note.
Please explain why AutoPay did NOT debit a payment on XXXX XXXX XXXX when {$2200.00} was deposited on XXXX/XXXX/XXXX? The '' AutoPay '' NON PAYMENT, on XXXX XXXX payment date, caused 6 months payments to be applied to interest only and created XXXX " Late Fees '' to be assessed.
Account should not have been assessed late fees beginning XX/XX/XXXX ending XX/XX/XXXX.
enclosures : ( XXXX Enclosures ), ( Complete Transaction History-XXXX ), ( Deposit XX/XX/XXXX XXXX ) and ( loan account XX/XX/XXXX ) Please remove the Late fees assessed begining XXXX XXXX ending XXXX XXXX and Credit all debits beginning XXXX/XXXX/XXXX ending XXXX/XXXX/XXXX, debiting only {$28.00} for the XXXX/XXXX/XXXX late fee assessed account.
Thank you in advance for acknowledging and answering this request.
Sincerely, XXXX XXXX
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| 05/14/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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Bank of the West XXXX XXXX XXXX Checking Account 1. I try to setup a transfer ACH transfer from XXXX - > XXXX Receive error one website when I hit submit. This error inferred the transfer setup was NOT successful.
2. Due to the error on XXXX website I received, I decided to pull the funds from XXXX XXXX -- XXXX.
3. This created two duplicate transfers XXXX -- XXXX XXXX and XXXX XXXX XXXX.
4. Your ACH system then tried to transfer funds for the second error the error in step # 1, you charged me {$35.00} dollars twice ... and then a {$30.00} " extended overdraft fee ).
XX/XX/XXXX FEE Uncategorized FEE {$30.00} - {$98.00} XX/XX/XXXX FEE Uncategorized FEE {$35.00} - {$68.00} XX/XX/XXXX FEE Uncategorized FEE {$35.00} - {$33.00} XX/XX/XXXX XXXX XXXX XXXX Ext Trnsfr XXXX XXXX WEB XXXX Uncategorized DIRECTDEBIT {$260.00} {$1.00} XX/XX/XXXX DIRECTDEP XXXX XXXX XXXX XXXX XXXX Uncategorized DIRECTDEP {$1.00} {$260.00} Date XX/XX/XXXX XXXX PM Subject RE : Contact Customer Service From Customer Care Message : Dear XXXX XXXX XXXX, Thank you for your recent email.
We sincerely apologize for the delay in responding to your message. While we make every effort to answer customer messages as quickly as possible, we occasionally receive a larger than normal volume of customer inquiries. This may occur due to various reasons, including those we are unable to control or predict such as the XXXX Pandemic. When this occurs, you may experience a delay.
Bank of the West allows a one-time courtesy fee reversal.
On XX/XX/XXXX, a credit for {$35.00} was posted to your account as a one-time courtesy fee reversal. We are unable to issue additional fee reversals at this time. We apologize for any inconvenience.
We offer several services designed to help you avoid overdraft fees. For information, please call us : - XXXX ( XXXX ) - TTY : XXXX - Monday through Friday, XXXX XXXX XXXX XXXX XXXX. PT - Saturday, Sunday and most holidays, XXXX XXXX XXXX XXXX XXXX. PT Thank you for contacting Bank of the West. We appreciate your business and the opportunity to serve you.
Sincerely, XXXX XXXX.
XXXX XXXX Bank of the West Deposit and loan products offered by Bank of the West. Loans subject to credit approval. Certain fees and restrictions may apply. Member FDIC. Equal Housing Lender. Copyright XXXX Bank of the West. All Rights Reserved. Doing business in South Dakota as Bank of the West California.
Investment and Insurance products : NOT FDIC INSURED / NOT BANK GUARANTEED / MAY LOSE VALUE / NOT A DEPOSIT / NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY Did you know you can change your password within a secure Online Banking session? Its easy and good practice to switch it up from time to time. Go to XXXX to learn more. You must be enrolled in Online Banking to use Mobile Banking. Wireless carriers may charge fees for text transmissions or data usage.
-- - Original Message -- - Sent : XX/XX/XXXX XXXX PM To : XXXX Subject : Contact Customer Service Account : XXXX Hello, I thought the transfer I tried to setup from Bank of the West to XXXX didn't work ( i got a website ) error.
However, when I created a XXXX to Bank of the West pull, I must have duplicated the transfer that I though errored out on the Bank of the West website.
Can you waive the returned item fee? Thank you!
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| 03/25/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Problems caused by my funds being low
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Web |
Older American |
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I had a balance with no outstanding checks or charges of XXXX i placed a charge for XXXX dollars for a promo that day the XX/XX/XXXX. It left me with a balance of XXXX cents I had gone over my bank statement the checks that the bank sent had all been delivered and by the statement it appeared that they were all paid. It did not indicate on the online banking or anywhere i could see that indicated otherwise.
I checked my online banking activity and noticed that the XXXX dollar chcck was still pending and that my account would be overdrawn with that check I had verified the funds prior to placing the charge and it was fine.
the next thing i see is iam in the red XXXX cent.
I called the bank to see what had occurred at that time I heard for the first time never ever having been notified about anything not clearing or being reposted that a check that I had paid to a utility company had not cleared but my summary clearly shows that when the check was cashed the funds were in my account. It looked as if they held the check and then decided to charge it to my account knowing that the other check if it went through would cause me to be overdrawn, I check my account the money was there when the utiltity company cashed the check, then the promo check for XXXX was dropped which put me back at XXXX cents.
I went to use my debit card three days later thinking i had these funds available, and it was denied I called the bank and now i am in the red XXXX dollars plus excessive overdraft fees on this check the other check and XXXX other checks that I had no clue had not been honored according to the companies they never received any payments but the summary on the bank says it was delivered on XX/XX/XXXX.
There is no way I would no this occurred without the bank telling me, I had called them repeatedly sent emails message and they ignored all my contacts.
the XXXX was a one time charge, and when it dropped it took the bank 6 days to repost and charge my account with XXXX another XXXX another XXXX.
The summary and the rep i spoke to never told me about this the fees on the summary only say fee no explanation is given even when i tried to get one I was also told on XX/XX/XXXX by an bank rep over they phone ( XXXX ) that no more charges would be incurred on XX/XX/XXXX another XXXX shows up now i am in debt over 200 the promo for the XXXX expired within 24 hours the bank paid this 6 days later they refuse to help me with my refund and they charges incurred all are incurred by using deceptive tactics withholding information not being clear in their fees charges and all seem excessive i am XXXX, XXXX XXXX which can be XXXX without a moment notice i told the bank this and they did not care i filed a claim but the deceptively did not place one and actully lied about what the fees were for this bank has pulled this before but not as deceptive and shady I want the fees removed, the refund of my XXXX which is what i had at the end of the dday XX/XX/2017 the lied lied repeatedly the branch manager was rude, impossible and did not even consider what i was telling him he did not CARE i am a senior XXXX and have medical issues that have to be considered they did not want to hear it did not care about it and wanted to gain financially through fraud and deception
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| 03/18/2016 |
No |
- Bank account or service
- Other bank product/service
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- Using a debit or ATM card
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Web |
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The problem began again XXXX XXXX trying to use my debit XXXX at XXXX. My transaction of {$170.00} was declined. The card work intermittently until XXXX XXXX at XXXX the fraud department declined my purchase.
The problem became so bad that XXXX XXXX ; XXXX Manager gave me her cell number ( XXXX ) and instructed me to call her " at any time I was at a register or gas pump and my purchase was declined I was to call and advise her of the problem ''. XXXX and I had a verbal agreement.
XXXX XXXX I called customer service I spoke with XXXX all she did was disconnect the call. I called back I spoke with a Latrell I explained the problem, I explained I had a XXXX dollar coupon from XXXX that I was unable to use and requested the bank reimburse me and write a letter to XXXX with an explanation of why my purchase was declined. XXXX agreed to reimburse the loss of the coupon and write a letter to XXXX.
I requested to speak with a supervisor regarding XXXX, I talked with XXXX, and I explained the events and the decline on my card at XXXX. I reviewed the request for reimbursement of the coupon and the letter for XXXX. XXXX stated " XXXX was not properly trained no reimbursement would be given or a letter be sent to XXXX ''. XXXX advised me " your card should work ''.
XXXX XXXX at XXXX the fraud department claims to have called my home and spoke with me. I was at work from XXXX and to XXXX and did not speak with anyone from the fraud department.
XXXX XXXX, XXXX I spoke with XXXX XXXX, I requested she call XXXX and have them process my monthly charge because my card was " deactivated due to fraud ''. I explained to her that the medical device service was cancelled due to non-payment. My monthly charge went from XXXX monthly to XXXX. XXXX told me that she would not call. The monthly charge began XXXX XXXX. There has been 14 months of charges to my card from XXXX that the bank knew about. Declining the XXXX charge due to my card being " deactivated '' I had to pay reconnect charges and late fees.
XXXX XXXX I called the fraud department I spoke with XXXX I reviewed the call of XXXX XXXX. XXXX advised me that they are a third party service. XXXX told me " all we ask is for the person, if the person says that they are me all they care about is confirming where I used my card and for how much. All we care about is that someone says yes I was there or no I was n't. If we feel comfortable with the answer we unblock the card ''. XXXX advised me to call Bank because my card is encrypted on the barcode to alert the fraud department when used.
On XXXX XXXX the card did work at XXXX on XXXX XXXX at XXXX however on XXXX XXXX, XXXX the card did not work at XXXX and has n't worked since. I was told each time my card does not work to call customer service and they would " unblock '' my card.
My complaint starts on XXXX XXXX through XXXX XXXX. I talked to branch manager XXXX on XXXX XXXX and with branch manager XXXX on XXXX XXXX I have not heard back from either XXXX.
To summarize none of the declined purchases were out of the ordinary for me and within a few miles from my homes. To date I still do not have a dependable working debit XXXX. I have been instructed to call the customer service department at Bank of the West each time I want to use my debit XXXX.
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| 09/18/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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On XX/XX/XXXX, I made a payment of {$2000.00} through online banking with Bank of the West to pay our mortgage for XXXX and XXXX. I inadvertently selected the wrong biller on our online payments. Our current mortgage holder is XXXX XXXX. Several years ago, we had our mortgage through XXXX XXXX XXXX. I inadvertently sent the {$2000.00} to XXXX XXXX XXXX instead of XXXX. I realized my error when we received a notification in early XXXX from XXXX that our mortgage was more than 30 days past due. I checked my account and noticed I had sent the payment to the wrong company. I contacted XXXX XXXX XXXX through every phone number I could find. Their automated phone system does not allow you to speak to a human without putting in an account number or social security number. I do not know what account number the payment was sent to, and Bank of the West was unable to tell me. I tried pressing zero, saying operator, waiting it out -- nothing could get me through to an actual human. When contacting XXXX failed, I contacted Bank of the West. The person I spoke with said that XXXX had accepted the payment. But she said Bank of the West would open a dispute and that we would have the money back in our account in ten days. I was so relieved. Several days later, we received a letter in the mail that our claim was denied. When I called to inquire, I was told that they denied the claim because I had authorized the payment. I never disputed that I had authorized the payment, but it was done in error and paid to a company where we do not have a mortgage. Bank of the West told me there was nothing further they would do and suggested I contact Nationwide ( which of course I can not do because I don't have an account number ). I asked again if they could tell me the account number they sent the payment to, and they said no. With no other options available to me to retrieve the {$2000.00}, I filed a complaint against XXXX with the CFPB on XX/XX/XXXX. On XX/XX/XXXX, I received an email from a XXXX representative stating that the mortgage division was no longer operational and they had not received our check. She asked for a copy of the front and back of the check to see if she could figure out which division of XXXX had cashed the check. I contacted Bank of the West again on XX/XX/XXXX to ask them to provide a copy of the front and back of the check. The Bank of the West representative I spoke with checked and said that the check was never cashed. Apparently Bank of the West debited the {$2000.00} from my account when they sent the check, but no one ever cashed the check. The rep said she would put a stop payment on the check and the money " should '' be back in my account in 3-5 business days. I am filing this complaint because I am outraged that this company debited {$2000.00} from my account then when I tried to retrieve that {$2000.00} through a transaction dispute, they denied my dispute even though the check was never cashed. That money should have been back in my account long ago. It is unacceptable that, weeks later, I still do not have {$2000.00} that I desperately need to pay other bills and feed my family. I am outraged that Bank of the West would be so lazy and incompetent. The resolution I expect : {$2000.00} returned to my account IMMEDIATELY.
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| 08/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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My husband and I have a Home Equity Line of Credit ( HELOC ), as well as a checking account, with Bank of the West for {$200000.00}. We live in Colorado and opened these accounts a Bank of the West branch near our home. We recently paid it off, but continued to keep the line of credit open, for our next planned home renovations.
We had not touched the accounts in several months when, on Saturday, XX/XX/2022 we received a call and emails from a Bank of the West branch manager in California asking us to contact him about an issue with our account. It was a Saturday, and we were at our daughter 's XXXX XXXX and we were unable to contact the branch manager in XXXX, California prior to the bank closing at XXXX XXXX XXXX XXXX. Instead, we reviewed our accounts online and determined that there had been almost {$70000.00} in authorized advances from our HELOC between the XXXX of XXXX and the present. We contacted Bank of the West 's customer service support and were told that they were unable to freeze the accounts ; that we would need to do this by physically going to a local Bank of the West branch.
On Monday, XX/XX/XXXX, we were able to contact the Bank of the West branch manager in XXXX, California and were told that a woman claiming to be me, with a Colorado Driver 's License with my name on it, had walked into his branch and requested more money from our Bank of the West checking account than was currently in the account. She had stated that she was in town for funeral and needed money. When we asked the branch manager about the other transactions on the HELOC that were close {$70000.00}, the branch manager in California stated that he was unaware of those transactions and instructed us to visit a local XXXX branch.
That morning, Monday, XX/XX/XXXX, we visited a local branch and froze the accounts, but were given no information by the Bank of the West employees we spoke with about how this had happened. I filed a report with our local police and was told that the detective assigned would work with Bank of the West and local California police to investigate the matter.
Later that week, when completing an Affidavit of Identity Theft for Bank of the West, we determined that the total taken from the accounts was now closer to {$88000.00}. We were assured by Bank of the West that they would be completing an investigation into the issue and that we would not be responsible for making any payments towards the amount stolen from the accounts until the conclusion of the investigation, which we were told could take up to 90 days.
At present, we have not received any return calls or further information from Bank of the West regarding the status of the investigation, or if one was even started. Bank of the West will not return our calls, nor will they return the calls of the detective assigned to the identity theft case I reported. Our online access to the accounts has been locked.
The most maddening portion of this is that Bank of the West has continued to send us bills for the stolen amounts, when they assured us that we did not need to make payments towards the loan balance while the issue was under investigation. We have now received a " Late Payment Notice '' because we did not make a payment towards the loan balance for XXXX.
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| 09/06/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XXXX XXXX I submitted a mobile deposit from my bosses personal checking account for XXXX $ the comments on my deposit stated it would take up to 3 business days to see or have the funds available. On XXXX XXXX my account had {$300.00} in it and I took out XXXX $ the bank charges me a XXXX $ overdraft fee which started the avalanche of fees in my account WITHOUT OVERDRAFT PROTECTION FOR AT LEAST THE LAST 4 years.
On XX/XX/XXXX the bank started charging me overdraft fees when my account including my Mobil deposit above available on XX/XX/XXXX. The bank extended their hold on all the BERIFIED FUNDS. From the check deposited XX/XX/XXXX. By XX/XX/XXXX the bank had taken at least {$280.00} in paid and unpaid overdraft fees.
Prior to this I had only two overdraft fees for the year XXXX debited from my account and I have no idea why. I need to look into those as well.
From XXXX XXXX to XXXX XXXX this continued to snowball regardless of my payroll direct deposits and in that period the bank charged me {$340.00} more in overdraft fees.
It continued to escalate and from XXXX XXXX to XXXX XXXX they charged me an additional {$860.00} in overdraft and excessive overdraft fees. From XX/XX/XXXX Through XX/XX/XXXX I was debited a total of {$1400.00} in overdraft fees because of how the untimely funding of my mibile deposit of VERIFIED funds on XX/XX/XXXX for {$600.00}.
I have called the bank and they say I added overdraft protection in XX/XX/XXXX Which I know for a fact around the opening of my account in XX/XX/XXXX I confirmed NO OVERDRAFT PROTECTION because I switched from XXXX XXXX bank for that exact reason!
They offered to credit Only XXXX $ back into my account which is not acceptable.
My account was not overdrawn nor did I have overdraft protection for them to pay or allow debit card charges to go through.
The told me in XX/XX/XXXX after going into the branch in XXXX XXXX ca to withdraw my IRA and deposit in checking to cover and bring me positive balance. To date I have not received and of my IRA disbursement I requested with a banker and filled out the forms he was going to process with their IRA department.
I have to use an online checking account I had open for some time because they took all my money in my account making my mortgage, car payment and multiple other bills to go past due and XXXX XXXX even CLISED. My credit card because of my inability to pay a XXXX $ payment past due from XXXX when this started. My credit is impacted and my score dropped from XXXX to currently XXXX.
I am struggling to catch up as a single mother and maintain my home and car for commuting the 130 miles round trip a day to work.
This is unfair and they will not even discuss it and said after its negative 45 days they will close the account. Notify the credit bureaus and send to collections.
Please help me recover these unjustified fees.
This is the same situation I had with them in XXXX in our family business checking account and since then the staff and management in XXXX XXXX ca branch will not provide me with any assistance regardless of the fact I opened my account at that branch I am looking at XX/XX/XXXX through today and there is an additional {$100.00} in fees added to the {$1400.00} for a total of {$1900.00} that I can calculate.
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| 11/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XXXX XXXX, 2017, I deposited a check into my checking account via mobile deposit ( which I have used several times ). Online banking displayed the deposit as pending. We did not receive the first {$100.00} available as we typically do with other deposits. We have made several deposits in the past, much larger than {$300.00}, with no problem, and with the first {$100.00} available the first day and the rest available the next day.
The next morning, on XXXX XXXX, 2017, we checked our account, and we saw the account being debited {$300.00} with the error stated XXXX and no further explanation.
I called the bank around XXXX am on XXXX XXXX, 2017. I spoke wiht a XXXX at the branch in XXXX, Missouri, on XXXX XXXX. She informed me that she was not sure why there was a hold on our account, and to contact the customer service 1-800 number. She said she could see that there were items coming out of our account the same evening that we deposited the check that would have made us negative before the deposit. I told her that is why we made the deposit.
I immediately contacted the customer service number, and the representative on the phone said the back office has the information on why the check was taken back out of our account, and that we could call the branch back and ask them to please make our funds available.
I contacted the branch back, and spoke with XXXX again. She told me she would research the account and get back to me in a few hours after she met with some appointments she had scheduled.
She called me back a few hours later, only to inform me she was not sure why they placed a hold on our check still. I asked her if we could verify funds on the check to make the money available ( or at least show it as pending instead of them taking our money back out of the account ) and she said that XXXX XXXX XXXXXXXX does not verify funds. I asked how long the check will be on hold, and she said it is not authorized to be released until XXXX XXXX, 2017. I asked her why such a long hold, and she said she did not know. I did not know what else to say, so we got off the call.
Later on that evening, I attempted to contact the 1-800 customer service number to discuss asking if we could stop the deposit so we could take our check to another bank account we have, that we never have this type of problem with. I waited on hold for 30 minutes and finally hung up after becoming frustrated.
On XXXX XXXX, there is still nothing resolved, except on the morning of XXXX XXXX, we received a {$35.00} fee.
We do not believe that is right, as we made a deposit the same day, that would have taken care of the fee we were charged, had the bank not chosen to place a hold on that particular check for some reason.
It definitely appears that our check was placed on hold ( with no immediate funds made available and then the check taken out of the account - not even placed in pending mode ) to allow the bank to let our account go negative to collect a fee from us. Had even the first {$100.00} been made available to us, we would not have even received a fee or gone negative.
We have never deposited a check that has not cleared our account and posted. We have never deposited a fraudulent check.
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| 01/29/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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Back in XXXX of XXXX, I filed a complaint with the CFPB against Bank of the west for XXXX and XXXX for wrongfully reporting information on my credit report, closing account that were charged off only to reopen new accounts with new account numbers but completely different total amounts then what the original accounts ended in. These new amounts were in no way linked to my previous accounts. When I asked for all the generated statements, I learned that there werent any. I was also pressured into verbally accepting a settlement amount under the impression that by doing so I would be allowed to make monthly payments on the second account. I was told with each XXXX XXXX I paid, I would have thousands of dollars credited off of my charged off account. I requested a detailed letter be emailed and mailed stating what was agreed on. I soon found out that the letter did not mention anything previously promised. Instead i I was lied to. I was denied information I requested and eventually my concerns were non existent based off the actions they were displaying.
Based off how I was being treated by my bank, I became fearful that somehow my loan would be tampered with or off lose my home. I had decided I was not paying in XXXX until the infestation was complete since it was XXXX who requested an extension.
After seeking legal council I was told that my mortgage cant be effected. I reached out th my lever, paid XXXX months off service and went in with my day. I later received a loan modification agreement that said Id have until XX/XX/XXXX to Accept the deferral and that the first payment was due XX/XX/XXXX. I had a voicemail from my bank that I had not received until days later. When I emailed them asking what I was to do, I was informed that I needed to contact the collections department since o had been sent to collections for falling through on my deferred payment. I told them I had until the XXXX and then was sent a copy of the terms I had agreed too. It was at that moment I had noticed the differences in the agency they help in the garage and the agreement I had received in the mail. Someone has taken white out tape and covered the entire paragraph stating the stipulations and that the agreement was contingent on me making a payment by XX/XX/XXXX. On my copy you can clearly see that a line was drawn with white out tape and then copied and sent to me. I am now being told Im in collections and that I defaulted and now owe {$24000.00} to get it you to date by XX/XX/XXXX.
Someone deliberately caused this to happen and it just so happens to be a matter of weeks after I filled a complaint about my other accounts.
After my original complaint, nothing happened. my concerns were not addressed and CFPB did not do anything other than close out the report. They have damaged my credit report and continue to cause damage and financial hardship with their deceptive practices. Im now facing losing my home because of an employee. Ive been trying to get out of this financial hole theyve kept me pinned down in but how to I intend to do that when everyone I turn around accounts are being opened in my mane without my permission and employees are XXXX the life Im attempting to provide for my family.
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| 05/14/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Good morning, In XXXX I opened a checking and savings account with Bank of the West at the XXXX XXXX XXXX branch in XXXX XXXX XXXX, IA. On XXXX/XXXX/XXXX I went to the XXXX, IA branch at about XXXX and XXXX to close the accounts. I was given checks which I took to my new bank to deposit immediately.
In XXXX XXXX I received a letter from Bank of the West stating that my checking account was overdrawn. On a Saturday in XXXX my fiance and I went to the XXXX branch which is closest to me to find out why I received this letter when my account had been closed in XXXX. I spoke w/ a teller who stated that she remembered that I had closed the account in XXXX ; the teller set me up w/ a personal banker. The personal banker said she would have to check with her manager to find out why it was n't closed and that they would cancel the {$74.00} in fees to return my balance to {$0.00}. I received a phone call a few days later stating that the account is now closed and that it was an error on their part. I believed the personal banker in regard to the account now being closed and did n't give it a second thought after that day.
Fast forward to Monday XXXX/XXXX/XXXX when I received a courtesy call from the XXXX XXXX XXXX branch stating that my account was overdrawn by {$74.00}. I stated that this was an ongoing issue and that I had closed the account on XXXX/XXXX/XXXX and that I received this same call in XXXX. I asked them to please resolve the issue once and for all. The employee who called me ( XXXX ) said she would speak with her supervisor to find out why this is happening. I decided that afternoon when I got off work that I should go to my local XXXX branch and find out why this is still happening. The teller remembered me from both XXXX when I had closed the account and from XXXX when she set me up with the personal banker. She went into the back to call the XXXX XXXX branch because she said that she could tell the account number originated there. She came back and told me that since the account originated there that the XXXX branch could n't do anything about it and that the XXXX XXXX branch would have to handle the issue.
I waited until Wednesday XXXX/XXXX/XXXX for a phone call from XXXX and never received one. I called the branch and explained the issue in brief and asked to speak with a manager but was told the manager was out for the day. I then asked to speak with XXXX whom they stated was out of the office but would call me back later. Later in the afternoon I received a call from XXXX stating that the issue has been resolved and her explanation was only that it was a " computer glitch '' both times. I do n't believe that, because today I am still able to log into my online account for checking and savings ; I do see that they credited the checking account to get it back to a zero balance, however it is definitely not closed.
I am aware that bank employees have quotas to meet and that closing an account counts against that quota, so this may be what is causing this issue. I also am unaware if they may be actually closing it then reopening it or what exactly.
Could you please check into this? Do I need to contact the police to file an identity theft complaint?
Thank you
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| 02/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Timeline of Loan with Bank of the West : XX/XX/XXXX : Loan funded We set up Auto-Pay XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : Made Principal payment of {$1600.00} XX/XX/XXXX : Made Principal payment of {$20000.00} XX/XX/XXXX : NO AUTO PAY XX/XX/XXXX : NO AUTO PAY was charged {$15.00} late fee and reported to credit bureau.
XX/XX/XXXX : I called BofW and spoke to XXXX asking why the XXXX and XXXX auto pay did not pull. He said because I paid ahead and the system thought no payment due. I had to make 2 payments on XX/XX/XXXX ( {$1000.00} ) to bring current and pay interest. Confirmation : # XXXX. XXXX assured me the two late payments were NO FAULT-NO FEES.
XX/XX/XXXX : I called BofW because discovered Auto-Pay did not pull. Made manual ACH payment. Talked to XXXX. Confirmation # XXXX XXXX XXXX. XXXX XX/XX/XXXX : XXXX stops. Charged late fee of {$15.00} and reported to the credit bureau.
XX/XX/XXXX : Called BofW and spoke to XXXX who transferred me to XXXX XXXX. He told me he would look into issue as to why Auto-Pay stopped.
During this time realized BofW reported us to the Credit Bureau for late payments. I filed an appeal. XX/XX/XXXX : Received letter from BofW ( Attached ) that they researched our account and our payment history was correct and reporting us to the credit bureau for late payments were justified due to payment delinquency.
XX/XX/XXXX : XXXX from Collections called me to tell me we were past due. Had conversation about my account.
XX/XX/XXXX : Called BofW and spoke to XXXX who transferred me to XXXX who transferred me to XXXX. Confirmed we were 32 days past due.
XX/XX/XXXX statement : Current Payment Due {$490.00} Payment Due Date XX/XX/XXXX Amount Past Due {$990.00} Total Amount Due {$1400.00} XX/XX/XXXX : Called BofW and spoke to XXXX who transferred me to XXXX. XXXX researched my account and told me we had paid ahead so the autopay was not pulling. Confirmation # XXXX. Had to make a manual payment.
XX/XX/XXXX : Called BofW and spoke to Jasmine who transferred me to XXXX XXXX who assured me our account had been fixed late fees reversed, and credit bureau updated.
XX/XX/XXXX : Called BofW and spoke to XXXX XXXX again ). She confirmed that Auto-Pay again not pulling and that our account was late. I made a manual payment.
XX/XX/XXXX : Auto-Pay pulled even though XXXX said their system not pulling. Made 2 XXXX payments.
As of XX/XX/XXXX, BofW on-line account shows no payment will pull on due date which is XX/XX/XXXX. Well see.
Account shows we are now current, late fees reversed, and positive reporting to the credit bureau. Account details attached.
Summary : I have had 8 phone calls with BofW to include the call from XXXX from Collections since XXXX, XXXX. All of these calls consisted of hold times of up to 2 hours then a conversation with BofW. I estimate I have spent over 14 hours on the phone with BofW since XXXX, XXXX trying to straighten out my account with erroneous fees, erroneous credit reporting and erroneous Auto-Pay issues. I consider BofW to be of unethical business practices and have no recourse but to report them to the Consumer Financial Protection Bureau. We are moving our account to another bank this month.
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| 08/03/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Bank of West - Attempted to dispute XXXX and XXXX XXXX transactions as a result of their customer who scammed us. I requested them to file a scam report and to recover our funds.
On XX/XX/2020 - I called Bank of West customer service to inform them of a XXXX Fraud my daughter and I were recently a victim. Bank of the West is the receiving financial institution of the XXXX and XXXX XXXX transactions.The customer service individual I spoke with was named XXXX and he stated he discussed the situation with his supervisor, XXXX. He did not indicate whether they would investigate to help recover these funds nor whether a scam report would be filed. Back on XX/XX/2020, I did file a report with the FTC ( case id # XXXX XXXX.
Back on XX/XX/2020, we attempted to dispute these transactions through our own financial institution ; however, the information Bank of West provided in response is not valid as we did not receive the intended refunds nor the merchandise ordered. While the funds did complete to the account we sent to, their customer scammed us as we only transferred this money with the intention of receiving a refund for two of the transactions and the puppy was never delivered. I am happy to provide all text messages and email correspondence we have.
The scam was : 1. My daughter paid {$800.00} ( two separate XXXX XXXX transfers i/a/o {$400.00} XXXX for the puppy. They were supposed to fly the puppy from XXXX, XXXX to XXXX, XXXX with a connection flight in XXXX, XXXX.
2. The day of the flight, ( in the morning ), they sent my daughter an email stating the airline required a pet insurance deposit of {$970.00} and this would be refunded once at XXXX minus {$48.00} for administration costs. I utilized XXXX from my XXXX XXXX XXXX account. Confirmation : XXXX. Name : XXXX. Email : XXXX. Transfer Date : XX/XX/2020 ; Post Date : XX/XX/2020 3. The day of the flight, ( in the afternoon - supposedly after they arrived in XXXX with the puppy ), they stated the inspector required a crate for the puppy and now requires {$790.00}, but would be reimbursed once at XXXX in full. My daughter utilized XXXX from her XXXX account. Name : XXXX XXXX. Phone Number : XXXX. Transfer Date : XX/XX/2020 ; Post Date : XX/XX/2020 Once I learned of the 3rd transaction, I told my daughter to call the bank immediately, as at this point, I knew it was a scam. Unfortunately, both banks ( XXXX and XXXX ) could not recall the transaction and on Monday we filed the dispute. The total scam was {$2500.00}. We just heard back from both banks they were unable to approve our claim.
Ultimately, I am not sure if you can recover these funds since its XXXX and does not fall under the Reg E protection. However, I do not feel Bank of West did a proper inquiry nor investigation. Additionally, shouldn't Bank of West be required to file a scam report to block these people from executing future XXXX transactions and prevent others falling victim to their scam. To be honest, I thought utilizing XXXX we would have some type of protection similarly as fraud debit card transactions.
Please feel free to email or call me with any further questions/information.
Thank you, XXXX XXXX XXXX XXXX XXXX
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| 08/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Hello, In XXXX I opened a checking account with a promotion for {$250.00} with the following terms : Requirements to Receive the {$250.00} Bonus : Apply for a new consumer Any Deposit Checking account with a promotion code either online at XXXX : XXXX or in a branch between XX/XX/2021 and XX/XX/2021 with any opening deposit amount ( {$0.00} or more ). Any Deposit Checking account must be opened by XX/XX/2021.
All deposits must be posted by XX/XX/2021.
Bank of the West Checking account must be in open status and have a positive balance greater than {$0.00} as of XX/XX/2021 to be eligible to receive the bonus.
Bonus will be credited by XX/XX/2021 to the new, open Bank of the West Checking account. Account must be in open status to receive the bonus.
I have fulfilled the terms of the bonus with DD of {$1000.00} in XXXX, XXXX, XXXX and XXXX and have not received the bonus. When I inquired, there was a long delay and then they were unable to confirm the bonus and said bonuses would post in XXXX : Here 's the message : We sincerely apologize for the delay in responding to your message. We have experienced an increased volume of messages from our customers, and are responding to them in the order in which they were received.
We deeply regret this inconvenience.
Review of customer qualification for our Consumer Checking Account Campaign will automatically occur for all the participating accounts during the month of XXXX. As a result, we are unable to confirm that the requirements have been met, or speculate the final outcome, as additional terms and conditions apply.
Please review the campaign criteria, and evaluate your account activity to ensure you have met all the requirements. Statement credits will be issued by XX/XX/2021.
Thank you for contacting Bank of the West. We appreciate your business and the opportunity to serve you.
Sincerely, XXXX XXXX
Online Services Bank of the West Deposit and loan products offered by Bank of the West. Loans subject to credit approval. Certain fees and restrictions may apply. Member FDIC. Equal Housing Lender. Copyright 2021 Bank of the West. All Rights Reserved. Doing business in South Dakota as XXXX XXXX XXXX XXXX XXXX
Investment and Insurance products : NOT FDIC INSURED / NOT BANK GUARANTEED / MAY LOSE VALUE / NOT A DEPOSIT / NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY You can send money to friends, family, and almost anyone you know and trust? Its easy. Go to bankofthewest.com/onlinetips to learn more. You must be enrolled in Online Banking to use Mobile Banking. Wireless carriers may charge fees for text transmissions or data usage.
-- - Original Message -- - Sent : XX/XX/2021 XXXX AM To : BOW Subject : Contact Customer Service Account : Hello, I'm writing to follow up about the {$250.00} bonus to my account. I have met the DD requirement and according to my notes the bonus should have been deposited in XXXX. Could you please tell me when the bonus will post?
Thanks, XXXX Considering I met the terms of the promotion. I would appreciate that the bonus be paid now since it is already past the date stated in the terms.
Thank you
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| 01/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I called on XX/XX/XXXX to take advantage of a credit transfer for 0 % interest. The agent said it expired on XX/XX/XXXX and said that was on the check. I told her I didn't have a check but a letter. She then stated that we could go ahead and make that transfer on the phone and it was my understanding that I would be receiving the 0 % interest. I asked when the rate would go to the regular rate and she stated XX/XX/XXXX. I asked if it wasn't paid by then would the interest be retroactive and she said it wouldn't.
When I received my statement it showed the {$2100.00} that I had transferred was paying an interest rate of 21.24 % vs. the 0 % I had transferred to. My Bank of the West Credit card is XXXX.
I called on XX/XX/XXXX and they said there was nothing they could do at customer service. I asked for a supervisor and spoke with XXXX ( North Dakota ). He said he would have to listen to the XX/XX/XXXX call and would call me back which was fine. Today, XX/XX/XXXX he called me back and said that the agent didn't specifically say 0 % and therefore he couldn't do anything but he would take the transfer fee of {$83.00} (? ) off. I told him that wasn't the point. Bank of the West is my primary bank in XXXX, Kansas and I trust them and felt that my trust was being betrayed. I shared with him my notes that I had written down of 0 % through to XX/XX/XXXX and why would I ask how long the interest rate was good for if it was just a regular rate. He said he understood but because the agent hadn't specifically stated 0 % there was nothing he could do. I asked to speak with his supervisor and he stated she wasn't there but she would call me but she probably wouldn't be able to do anything. Her name was XXXX. I asked if I could get a copy of the taped phone call and he said that was only for internal use. Again he said he understood what I was saying but couldn't do anything.
I called back through a different 800 number for a chance of another person possibly listening to the phone call and with common sense would know that I understood it to be 0 %. I talked with XXXX also in XXXX and she said she would review the call as well but she didn't think there was anything she could do. XXXX and XXXX are both supervisors in the same call center.
I wouldn't have transferred money if I wasn't receiving 0 % which was a great deal. Now I have been hoodwinked when the agent said, " We can go ahead and make that transfer today. '' Instead the transfer was made with me paying a higher interest rate than the card I transferred it from. It didn't make sense to transfer from one credit card to another unless there was a special interest rate proposition.
I have been treated as if I'm a ignorant person who just didn't understand. I'm very methodical and never would have made this transfer without getting 0 % interest. It's not only the principal of what occurred but in my opinion fraudulent how this transpired.
I appreciate this being looked into. I still hate that my primary bank is who pulled this on me and if not resolved I definitely will look at pulling my accounts from Bank of the West.
Thanks, XXXX
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| 01/27/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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On several occasions leading up to the 'date of discovery ', I attempted to access and change my on-line access to Bank of the West. On any of these attempts, I was never given any alerts that I had tried to sign in, or that my password had been changed. During the summer of XXXX, we were dealing with the hospice care of a parent, so non activity on the dormant account was normal. The bank had locked me out previously when there was no sign in activity for a few months.
I have elevated the following details to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to no avail for an immediate resolution to refund all the funds via cashiers checks by XX/XX/XXXX.
When I could no longer access during after hours, I decided I needed to update the account and went in to pay off my XXXX and could not get in. I called and explained the numerous attempts. After a long process, the employee tried to send me an email alert to no avail. This should have prompted her to hear my complaints about several times I would not get the email verification code. I had to give a new email for final access. That is when I discovered a pending {$40000.00} advance on my XXXX. I told her that was not my transaction. I had to insist that she transfer me to XXXX, who later was incompetent about the whole crisis. I asked them to lock the online account and then after an hour, the supervisor told me that she had locked the checking and savings but it was too late to transfer the call to the HELOC to lock it. They suggested I wait the holiday weekend and go to the branch for more support. Both my husband and I went to the branch at XXXX de XXXX and reported the fraudulent activities. We saw XXXX plus transactions from XX/XX/XXXX and filed a complaint and was told the account would remain locked for the erroneous XXXX XXXX transactions. The XXXX XXXX reviewed the transactions and said Bank XXXX XXXX would have to agree to allow Bank of the West to reverse the illegal transactions. I provided a police report which is under review with XXXX XXXX XXXX XXXX for XXXX XXXX. The Bank of the West continues to refuse to immediately refund the funds from my complaint of their lack of security, missed notifications of abnormal spending, and the negligence they have from the onset and since the freezing of the accounts. Upon the initial reporting I made on XX/XX/XXXX, there had been XXXX transactions - unknown and unseen - since the account had been compromised and I never received any alerts regarding access or possible change to the phone # s, emails, or erroneous transactions. Once I reported on XX/XX/XXXX ; the pending {$40000.00} was not blocked ; and an additional balance remaining on XXXX/XXXX/XXXX in the amount of {$45000.00} was also compromised even though I had reported the previously discovered hacked accounts access. The hacker was transferring funds from XXXX savings accounts, a XXXX XXXX checking and savings account, and XXXX other business ( DBA ) accounts. They transferred over {$130000.00} between these accounts into the account ending in XXXX where the XXXX purchases were allowed by the merchant via Bank XXXX XXXX.
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| 06/17/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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XXXX, On XXXX/XXXX/XXXX you made this statement " The Bank implemented a system enhancement effective XXXX XXXX, XXXX that allows customers to make early payments and, if also enrolled in automatic payments, the automatic payment plan would still debit the scheduled payment amount due on the due date. '' You explained this was why on XXXX XXXX, XXXX the automatic payment plan debited {$570.00} after I had already initiated an online payment in the amount of {$600.00} on XXXX XXXX, XXXX. Enclosure ( XXXX and XXXX ) If the Bank implemented this system enhancement effective XXXX XXXX, XXXX, Please explain why the automatic payment plan only debited the following amounts on these dates : ( XXXX/XXXX/XXXX - {$470.00} ), ( XXXX/XXXX/XXXX - {$420.00} ), ( XXXX/XXXX/XXXX - {$550.00} )? According to your explanation the automatic payment plan should have debited the regular scheduled payment amount of {$570.00} on these dates and posted the difference to the late fee balance. If a late fee balance existed. Enclosure ( Mortgage Transaction History ) If there is a late fee balance due of {$27.00} on XXXX/XXXX/XXXX why did the automatic payment plan only debit {$540.00}? According to bank policy the automatic payment plan should have debited up to {$570.00} to satisfy account for the month.
On XXXX/XXXX/XXXX why did the automatic payment plan only debit {$480.00}? Should n't the automatic payment plan have debited {$570.00} and posted {$90.00} to late fee balance to satisfy account for the month, if there is a late fee balance owed?
It looks like all of these late fee 's in question were back dated to my account after the local Bank manager XXXX XXXX retired. This is why i believe autopay did not debit late fee 's on the dates in question..
Please explain the late fee debit of {$170.00} on XXXX/XXXX/XXXX {$600.00} payment when all other late fee debit 's are {$22.00} on a {$600.00} payment with the exception onXXXX when {$22.00} was debited 3 times equaling {$68.00}?
Please provide a " complete '' detailed transaction history showing " all transactions '' that includes everything pertaining to loan account including " all late fee accounting with a running balance '' and then a detailed explanation of why payments were debited for an amount less than scheduled payment amount of {$570.00}, when a late fee balance existed on that date.
Please explain why I have no access to any monthly or yearly statements on this loan account? I have been signed up to " online statements '' since XXXX XXXX but the only statements made available to me online is my checking Acct. I have never received any documents mail or online on this account. Only history I have ever received from BOW is the XXXX transaction history 's through the CFPB Site that do not match. I have never once been provided a statement telling me any acct payment is late. I have documented every page many times showing what is made available online to me for every year of loan. Only statements on Acct at BOW site is my checking Acct.
Thank you in advance for acknowledging and making corrections requested.
Sincerely,
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| 07/31/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I'm reaching out today because I am so frustrated, and no one has been willing to help me. I'm stuck between a rock and a hard place. I have a simple checking account with Bank of The West and I'm totally in the dark as to what is happening with the account.
I could not access anything on my account for three weeks through the app or online. I had been checking my balance at an ATM and trying to use cash. My card was still functioning properly so I didn't think that it was anything more than my password needing to be reset. Every time I called the online customer service it was over an hour wait and more than often at the end of my hour wait the call would drop and I would again be frustrated to the point of tears, as I am while writing this email. This is amidst a server crisis that took more than three weeks to fix. This was on XX/XX/XXXX and I still don't have access to anything.
I called one night and finally got through after another hour wait, and being transfered three times to escalate the situation, all for the gentleman to tell me that I had to go to a branch to close the account. I asked why and he said my account had been compromised, and that he couldn't help me. When I got to the branch the teller said the account was fine and nothing had happened to it. It was totally fine. Very confused and frustrated I asked to close the account ( as instructed by the customer service team on the phone ) which the teller seemed to take personally. She then proceeded to tell me that I was wrong and that there was nothing that happened with the servers. I left and went to another branch to check the status of my account and ensure it was closed or closing. XXXX and XXXX at the XXXX XXXX branch at XXXX XXXX XXXX XXXX.
XXXX XXXX, CO XXXX - ( XXXX ) XXXX were also very unhelpful in closing the account and essentially told me there is no way for the account to be closed permanently by the bank its self that it's my responsibility to ensure that I have contacted all of the merchants that I have ever used the card or the account with. I don't have access to my account to see all of that information and ensure that I have in fact contacted all of the merchants that are able to charge to the account. They are also the rudest bank tellers I have ever encountered.
I called the the XXXX XXXX XXXX today to ensure that nothing has charged that would cause an overdraft or additional charges, and they said my address has been changed and that I need to go into a branch because they can't verify my identity. This is 2019 I can't go to a branch every day to make sure there is not fraud on my bank account and that I'm not being charged bank fees for something I have no insight to. I can't see what is happening on this account and I want to ensure that it is closed and that I am not being charged any fees. I know this is a long shot, but please, please, please help me if you can. I just want it to end. I just want to get as far away from this company as possible, but they are requesting I drive to a branch every day to monitor my account.
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| 08/10/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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XXXX XXXX, Why did it take a complaint to the CFPB to get BOTW to start allocating " Auto payment '' payments correctly? The last six months BOTW has allocated my payments exactly like my Note states. I complain to CFPB in XXXX XXXX and " Auto payment '' begins allocating my payments correctly, beginning with my XXXX XXXX payment, exactly the way I state previous payments should have been allocated.
How do you expect me to believe a single word you say/print when your explanations about how " Auto payment '' allocates payments is not the way " Auto payment '' has allocated the last six months payments on my account?
On page XXXX of the ( XXXX Enclosure ) that you provided, it states in the Comments to Activity section on XXXX/XXXX/XXXX that the {$570.00} " Auto payment '' satisfied the XXXX/XXXX/XXXX payment ''. It states on XXXX/XXXX/XXXX the {$570.00} " Auto payment '' satisfied the XXXX/XXXX/XXXX payment and then on XXXX/XXXX/XXXX the {$570.00} " Auto payment '' satisfied XXXX/XXXX/XXXX payment. On XXXX/XXXX/XXXX I made a {$600.00} online payment that satisfied the XXXX/XXXX/XXXX and {$22.00} of the XXXX/XXXX/XXXX payment date.
On XXXX/XXXX/XXXX " Auto payment '' allocated the regular {$570.00} payment. When these five " Auto payments '' were made, account was paid ahead more than 1 month and " Auto pay '' still debits the {$570.00} regular scheduled payments.
.
Beginning with the XXXX/XXXX/XXXX payment the Auto payment plan allocated the correct regular payment amount of {$570.00} even when paid ahead 30 or more days. Exactly the way my Note States.
Now if the Automatic payment plan would have allocated the regular scheduled {$570.00} payment on XXXX/XXXX/XXXX " XXXX ( XXXX ) '' and XXXX/XXXX/XXXX " XXXX ( XXXX ) '', the way it has allocated the last six months payments, XXXX ( XXXX ) Late Fee 's would not have been assessed to account.
Correcting the way " Auto payment '' allocates payments on the last six months payments gets us part way there. I simply want you to honor your obligation by removing the XXXX Late Fees that were created when Auto pay failed to debit these two payments like the way it has allocated the last six months payments.
Please explain why I have not been provided access to any kind of statement on this loan account in the last 8 years?
I fully intend on taking as much time as it takes to get these corrections made on my account. I have invested a considerable amount of time providing documented proof of mistakes made. I can not hear and I am XXXX so Simply providing a telephone number is not an acceptable response.
I have provided detail showing that the XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regular scheduled payments were not debited and applied correctly so please remove and credit the XXXX late fees that your Auto pay program created as a result from not properly debiting regular scheduled payments on these two dates.
It is my hope that this letter explains with enough detail the corrections that need to be made on this account and corrections are made.
Sincerely, XXXX
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| 08/26/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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XX/XX/21 attempted to call customer service center. On hold 55 minutes. Had to hang up.
XX/XX/21 on hold 45 minutes. Rep, transferred me to XXXX a supervisor. After discussing that I had not had a negative balance, XXXX advised me it was a pending debit card purchase to XXXX XXXX that I was charged me. I advised that shouldn't be as my account shouldn't be charged on debit card purchases that would take me overdrawn. XXXX disconnected the call.
XX/XX/21 XXXX visit to speak to the manager.
During conversation when I asked the manager to confirm the default setting so Point of sale is not approved, he confirmed it was and then informed me that it wasn't the XXXX purchase, it was an ACH for XXXX XXXX. A quick change of transactions from one not eligible for a fee, to one that is. However as I asked him, provide physical proof, that is different from my statement that shows a negative balance. He was unable. He also told me he did not have the power to reverse more than one courtesy fee and that he would have to send request through to his regional manager. I accepted him at his word. He called me one hour later and said no, I again asked for proof of a negative balance and again it was not provided or offered.
I called a call center again, spoke to XXXX, who transferred me to XXXX. With the discussion, XXXX told me that in fact the local Manager does have the power to reverse fees, however XXXX does not but after much insistence, I asked his Manger to call me. He said his manger XXXX was in a meeting but would call me afterwards.
No phone call was received.
XX/XX/21 After numerous messages to the bank XXXX account, I received a phone call. Again, despite repeated requests, no proof has been provided, just verbal assurances that a valid purchase was made that pending, made me overdrawn, but posted it did not. Advised it was the XXXX XXXX purchase. Again pointed out the point of sale default setting and she hurriedly changed it back to XXXX life transaction.
I kept insisting that I can't just go on their word, that I wanted a document showing my overdrawn balance. Phone call was disconnected.
I went to the bank and directly asked the manager if he did or did not have the power to refund fees based on what he said to be yesterday. He refused to answer the question, I asked him if that was because he didn't want to be caught in a lie, he just kept repeating the fees were not being refunded and refused to answer any other question I asked of him. I asked the assistant manager to request the regional manager call me.
XXXX XXXX called me stating she was the regional manager. ( XXXX XXXX XXXX ) She was very impatient, refused to acknowledge what I was saying and just continued to reiterate that fees were not being waived. I asked for a complaint procedure and she terminated the call with me. I am left with my bank statement showing credit balance but still being charged a fee for an overdrawn balance and apparently according to my local Bank of the West I have no recourse.
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| 08/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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First, Bank of the West sold me a loan on false pretenses and will make {$600000.00} off that loan that should have gone to their competitor, XXXX XXXX. Second, due to their false statements, we are in jeopardy of not having the money we need to complete the renovation of the downstairs apartment and backyard of our duplex - thus we will not be able to request as high of a rent as we would if we were able to complete all repairs. Third, while they are reviewing my case I am losing " would-be '' rent.
The false statement : Bank of the West 's agent, XXXX XXXX, assured us at least twice by email and also by phone that we would get a home equity loan to XXXX % loan to value ratio - {$83000.00} on our {$920000.00} XXXX XXXX. See the two emails in Appendix A. Before the closing of the loan I asked how we could get the ball rolling on the HELOC ( see Appendix B ) and was told we have to wait for the closing of the mortgage loan. Everyone was so sure and reassuring that I trusted them. After the mortgage loan closed so it was too late to switch to XXXX XXXX, they decided that they ca n't give us a HELOC because it 's a duplex so they ca n't go above the XXXX % loan to value ratio that we 've already reached. Per Appendix A, XXXX XXXX was aware the property is a duplex.
We made a XXXX % down payment at Bank of the West. If there was doubt about the HELOC we would have gone with XXXX XXXX where we would have only paid XXXX % down ( leaving the {$46000.00} difference for repairs ).
I have repeatedly assured them that we are extremely capable of repaying the loan. See Appendix C for support on why we are no risk for a further loan. They still tell me I can not get the HELOC product because I do n't have the collateral, but they would be happy to sell me an unsecured loan for less money at a higher interest rate. I also escalated this to XXXX XXXX 's boss, XXXX XXXX, who called to apologize for this " frustrating '' situation. ( XXXX XXXX has since left Bank of the West and knew XXXX from a previous dispute with Bank of the West that has already been resolved in my favor. See Appendix D. ) He has since forwarded my case to Bank of the West 's " resolution team ''. He did n't mention at that time that it may take up to 20 days to reach a resolution ( and of course the resolution may not be final or favorable ). Of course this is a problem for us, as we can not execute the majority of the repairs until we have more money and the duplex lower unit remains unrented.
Some of the requests above have not yet been formally communicated to Bank of the West since I had planned to simply wait for their response. However their actions since the denial of the HELOC have not assured me that they are taking my lost rent seriously.
I will send them a copy of this complaint, unedited, for their review and consideration.
I am extremely thankful for the existence of the Consumer Financial Protection Board to aid consumers who are stuck in situations like this. Thank you very much!
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| 05/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I have sold my XXXX XXXX XXXX vehicle to XXXX XXXX XXXX XXXX XXXX, I notified the lien holder Bank of the West prior to selling the vehicle and got a 10 day payoff. The vehicle was sold and I notified Bank of the West the final payoff was forthcoming from XXXX XXXX XXXX XXXX XXXX. Bank of the West informed me that due to Covid-19 they are taking a week to 10 day to process payoffs once the funds are received from the dealership and if I did not make a payment they would report me to the credit bureau. I asked the rep from Bank of the West several times that even though Bank of the West received the full pay off prior to the payment being 30 days past due and because of the payment processing times at Bank of the West being 7 to 10 days due to Covid-19, I would be still be reported late to the credit bureau 's, the rep said yes. I requested to speak to a supervisor and was told that she could not transfer me to a supervisor because they were all working from home and that she would message her supervisor. The supervisor replied via messaging and again reiterated that they were going to report me to the credit bureau.
I requested if I could have a 10 to 15 day extension on the payment date, so the sales transaction could be processed from the dealership where I sold the vehicle and due to the 7 to 10 days to processing time Bank of the West needs to post the payoff due to Covid-19 and was told NO!
I then followed up with Bank of the West again today XX/XX/XXXX to see if they had received the payoff from XXXX XXXX XXXX, the rep on the phone said they did not see it but it is takin 7 to 10 days to process payments, I asked again for a 15 day extension so they could process the pay off and was told No. I asked to speak to a supervisor and he again confirmed that Bank of the West would report me late to the credit bureau if I did not make a payment to them by the 14th, he also confirmed that it is taking their payment processing center 7 to 10 days to process pay offs due to Covid-19. I again asked for an extension and he said not an option and said I make the payment or get reported late to the credit bureau.
Bank of the West is harming consumers during this pandemic due to their slow transaction processing of payments because of their modified working environment. All of the people I have spoken to have all been working from home themselves yet they still are using intimidating collection activities to try and get additional monies out of consumers while they take an extended time to process pay offs of their loans. I have worked very hard on my credit and this organization has been very intimidating to me in their collection practices. I feel they are acting unfairly and I will be harmed by them for their 7 to 10 day delay in processing the pay off of my vehicle. Although they are all working from home they seem to be clueless to the impact that covid-19 has had on the day to day to day functions of the consumers they serve.
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| 04/02/2016 |
No |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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XXXX XXXX, There are numerous issues that have arised from your responses that I will ask to be answered one at a time through individual complaints using the CFPB site. Several of my questions were not responded too in my first complaint.
First off I have been provided XXXX Mortgage Transaction History reports from the same Loan account that do not have the same dollar amounts posted on the Interest paid colum on the date of XXXX/XXXX/XXXX.
Below you will find the Amounts of XXXX XXXX/XXXX/XXXX transactions from " Complete Transaction History '' that XXXX Provided in XXXX XXXX from Consumer Loan Servicing Department Bank of the West. This Transaction document has Interest paid amount of {$570.00} on XXXX/XXXX/XXXX.
XXXX/XXXX/XXXX Payment Fees Interest Principle {$72000.00} XXXX/XXXX/XXXX {$170.00} {$170.00} XXXX {$72000.00} XXXX/XXXX/XXXX {$420.00} {$400.00} {$23.00} {$72000.00} Below are the Amounts of the XXXX XXXX/XXXX/XXXX transactions copied from the " Mortgage Transaction History '' that XXXX XXXX provided in his response to CFPB site on XXXX/XXXX/XXXX. The interest paid amount on this document has {$400.00} interest paid on XXXX/XXXX/XXXX.
XXXX/XXXX/XXXX Payment Fee Interest Principle {$72000.00} XXXX/XXXX/XXXX {$170.00} {$170.00} XXXX {$72000.00} XXXX/XXXX/XXXX {$420.00} {$170.00} {$230.00} {$23.00} {$72000.00} Auto payment, satisfied XXXX/XXXX/XXXX, late charges paid of {$170.00} Both of these transaction statements show that the {$170.00} was paid before the {$420.00} transaction. Actually it was when I looked online and saw that " AutoPay '' debited only {$420.00} for the monthly payment I then made the payment of {$170.00} so the monthly payment equaled {$600.00}.
This would make a {$170.00} discrepancy on Form XXXX for tax year XXXX.
XXXX XXXX, please explain which Transaction document is correct? If the Transaction History you Provided in your response to CFPB site on XXXX/XXXX/XXXX is correct it brings up a new problem.
The Interest Paid total on My " Form XXXX Mortgage Interest Paid statement '' for tax year XXXX, is {$170.00} higher than the Interest Paid total amount from all XXXX interest added from the transactions stated on the transaction history you provided on XXXX/XXXX/XXXX.
My accountant said he will be glad to amend my XXXX Federal Income tax return to reflect the correct dollar figure.
I am certainly not paying this Income tax return amendment as this would be a BOTW mistake.
Please provide correct interest paid amount for XXXX tax year on a revised Form XXXX.
I have enclosed a copy of the " Complaint XXXX '', " Complete Transaction History '' that XXXX Provided in XXXX XXXX from Consumer Loan Servicing Department Bank of the West as well as " Mortgage Transaction History '' that XXXX XXXX provided with his response on XXXX/XXXX/XXXX to CFPB site.
Thank you in advance for acknowledging and answering this request.
Sincerely, XXXX
|
| 12/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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On or about XX/XX/XXXX, we applied for an RV loan thru Essex Credit which is a division of Bank of the West. This same month, we submitted all paperwork necessary to secure the loan. There has been excessive lack of communication from Essex which prolonged the loan process, such as no address provided for submitting down payment, safety inspection, title etc. Miscommunication between Essex and previous bank regarding the RV title. Finally mid XXXX we were granted access to pick up the RV and take home. Payments to the RV loan started XX/XX/XXXX and we have continued to pay monthly. Included in the down payment were taxes, Title fees and license fees.
Multiple calls have been made to Essex about the status of the title transaction since XX/XX/XXXX. We have continuously been told the process was in progress and within 30 days we should hear something. Various times, we have made contact w/ supervisors about the title status, they mentioned that they would escalate to the proper person and they would return the call. We have only received one call from Essex XXXXand that was to inform us that we were approved for the loan. We have never received a returned call by phone or email when there was mention of getting back to us.
On XX/XX/XXXX, I sent a complaint letter in writing to the CEO of Bank of the West in XXXX XXXX, 10 days later we receive a letter informing us they are sorry and will be in contact, Again, no contact by phone or email.
On XX/XX/XXXX escalation supervisor filed a full complaint of all events which was to lead to a full research and provided a complaint number/chart number and were told we would received a call of the status, as of this date, no response yet.
More phone calls have been made to Essex and still no progress on the title. According to Essex, the RV title is to go to Bank of the West and from there to Tx XXXX. The title is still in the hands of Essex.
XX/XX/XXXX, 2nd written letter sent to Bank of the West CEO, again a response by letter was received saying they are sorry and will be looking into it. No response.
XX/XX/XXXX, phone call to customer service as usual, we were told the title was sent to Bank of the West on XX/XX/XXXX and once they receive the title, B of W will send to Tx XXXX for processing.
XX/XX/XXXX, phone call to follow up on title progress w/ Essex XXXX Spoke w/ supervisor because now we are told that there is a late fee and because of this there is a delay. Again, now according to supervisor, it will be escalated to titling for follow up.
According to our records and statements, we have not been notified of any late fees through billing, phone call or email. We asked reason for late fees and we were told because we have been out for 2 months, which is not true.
We have been communicating with Essex thru either email and phone calls since XXXX XXXX and still no sign of progress with the title situation.
Please help.
|
| 04/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
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Dear CFPB, This complaint is in regards to the practices by Bank of the West, namely in failing to timely respond to customer requests to file dispute of charges under Regulation E, their subsequent retaliation and closure of the account, lack of timely notification of such adverse actions, and now holding funds from the Small Business Administration with no clear timeline or roadmap to obtaining it from them.
The timeline of the issue and sequence of events below is generalized : XX/XX/XXXX I Make funds transfer inquiry about unauthorized withdrawals of account funds via XXXX XX/XX/XXXX BotW responds finally outside their stated 24-48 hour timeframe, ask for the amounts and dates in dispute.
XX/XX/XXXX I respond with the dates and amounts of unauthorized transactions.
XX/XX/XXXX I follow-up once again.
XX/XX/XXXX I follow-up once again, clearly flustered.
XX/XX/XXXX Follow-up once again, also notice that my account says I have no eligible account on file when I login. Receive automated e-mail that disputes were filed and are being investigated.
XX/XX/XXXX Customer care responds with some pre-baked excuse about long delays and tell me to call a number which I attempt but it goes nowhere. I respond angrily that after this delay their response was unacceptable.
XX/XX/XXXX A debit transaction of {$0.00} is conducted in branch without my permission.
XX/XX/XXXX I read a message to call my local branch which I do, I speak to XXXX and she says she will get back to me.
XX/XX/XXXX PPP Loan arrived at the account and was processing ( mind you, I applied a month ago and it just finally arrived, BotW closing my account was a coincidence, and for sole proprietors it doesn't matter what bank account the funds go to since it's to pay for salary ). I call once again, reach XXXX, who tells me she will have her manager XXXX reach out to me.
XXXX PPP Loan was already current/on balance. XXXX does not reach out. I call, speak to XXXX, who investigates.
XX/XX/XXXX Unable to login/ recovering password doesn't work. Receive e-mail from XXXX that compliance closed the account for " business activity. '' In summary, BotW had an unreasonable delay to initiate Reg E covered disputes on my account, and the day on which they filed for the dispute, they closed my account, and later would cash out my funds without any sort of correspondence. I am still uncertain whether the dispute is ongoing and will be resolved, and if so what recourse I have whether it is in my favor or not, and how to follow-up. The timing of events looks like retaliation or some sort of action to avoid Reg E rules which might cost the bank funds. The additional run around, with nobody knowing anything, and not contacting me about these actions is egregious, stressed me greatly, took much time out of my day, and now my funds that are essential for my business are trapped with nobody doing anything to help me obtain them.
|
| 05/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
|
|
RE : Mortgage Refinance Loan Wrongful Denial.
I applied for a Loan with Bank Of The West ( BOTW ), on XX/XX/XXXX. This Loan application was Wrongfully Denied on XX/XX/XXXX. I will provide several reasons why ( XXXX XXXX appraisal ) appraisal on XXXX XXXX XXXX XXXX.
XXXX, CO XXXX, should have appraised for {$500.00} or more than the appraised {$96000.00} value and why I feel this loan was Wrongfully Denied. I will provide an explanation with documentation why ( XXXX appraisal ) appraised {$96000.00} value on ( XXXX XXXX XXXX XXXX. XXXX, CO XXXX ) should have been enough to qualify loan for 4 % interest. Balance on XX/XX/XXXX is actually {$540.00} less than the balance on transaction history in ( XXXX ) Enclosure, page 3. I received the first copy of ( XXXX XXXX appraisal ) " Date of Signature and Report XX/XX/XXXX '' in the mail from BOTW on XX/XX/XXXX stating appraised value of {$96000.00}. I noticed statement in this 1st copy of appraisal claiming that the ( Cost Approach Value ) of {$99000.00} supports the ( Sales Approach Value ) of {$96000.00}. I made a complaint to XXXX XXXX on XX/XX/XXXX about the appraisal stating : My '' Garage/Carport is listed as 405 Sq Ft at {$37.00} Sq Ft equaling {$14000.00}.
My '' Garage/Carport is actually 1,152 Sq Ft at {$37.00} Sq Ft equals {$42000.00}.
I received the second copy of ( XXXX XXXX appraisal ) " Date of Signature and Report XX/XX/XXXX '' via BOTW online portal.
This appraisal has a {$27000.00} correction that increased the ( Cost Approach Value ) {$17000.00} on appraisal.
Appraiser and XXXX XXXX insist this {$17000.00} increase to the ( Cost Approach Value ) to {$110000.00} still supports the ( Sales Approach Value ) of {$96000.00} and does not change appraised value of {$96000.00}.
( XXXX XXXX appraisal ) enclosure - page 12, ADDENDUM, FINAL RECONCILIATION I disagree with XXXX XXXX statement. The ( Cost Approach to Value ) of {$110000.00} supports an Appraised value much higher than {$96.00}.
I DO NOT consider the " effective age '' of my property " similar '' when my home 's " effective age '' is 19 years newer than Comparable 2.
There should be a {$4000.00} credit on Comparable 2 " Actual Age '' column, due to my property being 20 years newer than Comparable 2.
The incorrect statement of six ( 6 ) rooms above grade on the ( XXXX XXXX appraisal ) is a deduction that should have been credited to my property on the ( XXXX XXXX appraisal ). There for increasing the property 's value.
The driveway actually being CONCRETE should increase property value a minumum of {$500.00}.
Total Principle paid on balance after Loan application date of XX/XX/XXXX prior to Loan Denial is {$620.00}. There by reducing the amount the property needs to appraise for by {$620.00}.
Appraisal of {$96.00} should have been enough to qualify for {$73000.00} loan at 4 % interest proposed.
This Loan application was Wrongfully Denied!
THANK YOU,
|
| 05/31/2016 |
No |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
This was drafted on XXXX : XXXX XXXX quadruple charged my account ( total of {$880.00} ) and they sent a hold release form to my branch on XXXX in XXXX, XXXX. The branch told me yesterday there was no way they can actually remove the hold for me and to call the XXXX number on the back of my card. I called the XXXX number on the back of my card and they seemed confused as to why the branch could n't have just done it. She then put me on hold for about 15 minutes and said they ca n't release the hold but the hold DOES expire at the end of day and promised I will have my funds released back to me by tomorrow. It is now tomorrow and my funds were never released back to me - in fact, now my account is overdrawn. And since BOTW likes to be different, none of their branches are open on a Saturday to even put money into my account. I called the XXXX number again today and was told " sorry ma'am, we do n't know why the lady on the phone yesterday would tell you that your hold expires at the end of night ... it actually wo n't be released until Tuesday ''. I then asked to speak to a supervisor and this supervisor lady was EXTREMELY rude and has zero compassion to my situation. She said the only way that they can release my hold is if the merchant ( XXXX ) faxes them over a hold release form. I said they DID fax this over yesterday to the branch and the branch told me to call the XXXX number. She said sorry but I ca n't do anything since the branch is closed today. ARE YOU KIDDING???? I told her that I even have a copy of the hold release form that came straight from the merchant. I told her I could email it to her and she said they do n't have the ability to receive email ( yeah right ). I hung up extremely frustrated and in tears. I was promised my funds would be back to me today and now I have to sit all XXXX XXXX weekend with my account being overdrawn??? I ca n't even wait to dispute my overdraft fees!! Shame on the XXXX branch for not just taking care of this themselves and shame on the customer service people for providing me incorrect information and no willingness to help.
Update : I got a response from BOTW only after posting about my situation on XXXX. Their response was email their customer relations ... they claimed they have " escalated '' the situation, yet since it was the weekend, response time would be slow. It 's now Tuesday XX/XX/XXXX and my account is still overdrawn, my funds were never released back to me and I have yet to be contacted by anyone, despite that today is now a business day.
To recap, I was promised the hold on my funds would expire on Friday XX/XX/XXXX and my money would be available on Saturday XX/XX/XXXX. It 's now XX/XX/XXXX - my funds have yet to be released back to me and my account is still overdrawn. This past weekend was XXXX XXXX weekend and I had to cancel my plans because I had no money in my account!
|
| 10/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/22 I paid my RV Loan from Bank of the West for {$7100.00} via online banking app. I mistakenly ended up double paying because it didn't appear that the 1st payment had gone through. I called them immediately once I noticed that I had double payed and told them of the error. They told me that since it hadn't posted on their site yet, they couldn't do anything about it. They also said that it was possible that the 2nd payment may not have gone through since I had paid off the loan with the 1st payment. They told me to call back when I noticed it posted from my bank.
On XX/XX/22 I called them back telling them that both payments had been posted to my bank and requested a refund. I was informed that only XXXX of the payments was showing on their end so the 2nd must have been pushed back. I accepted their excuse at the time.
On XX/XX/22 I called them back once again explaining to them the whole scenario. This time the CS agent asked me to confirm the 2nd payment with a screenshot of my bank account statement showing the posting. I did and he accepted it and told me that they would issue me a check.
On XX/XX/22 I was told that the check was in the mail On XX/XX/22 I still had not received my check, so I called and once again explained the whole situation. The CS agent told me that a check was indeed issued on the 16th. I asked why it was taking so long and was told that the XXXX is very slow and they have no control over the mail.
On XX/XX/22 I called them once again since I still had not received my check. At 1st the agent told me he couldn't even find my payment, then he told me that he couldn't find any checks that had been sent. The he said could see a check for {$17.00} and change sent on the 29th. I told him, it was a {$7000.00} check, not {$17.00}. He said that he could only find a {$17.00} check. When I provided the dates that I had called and inquired, he finally told me that yes, he could see that a check was sent out on the 16th. I told him I wanted a stop payment on that check and for them to electronically submit my money to my bank. He told me that I had to call my bank and request a stop payment. I asked him how my bank could request a stop payment on a check they didn't send or even receive? If he was talking about my end of the 2nd payment, I can't stop that, the bank has paid it already. The CS agent was giving me the run around and providing me with idiotic excuses. When I told him that, he told me that I was getting too upset and irate and that he was going to disconnect me. I told him he needed to get to the bottom of the situation and get my check to me, to which he told me again that he was going to disconnect me. So, I disconnected instead since there was no way I was getting anywhere with him.
Also, I am unable to access my online account or my statements through Bank of the West now either.
|
| 12/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
In mid XX/XX/XXXX a check was unexpectedly bounced. Upon logging in to online banking it was discovered that 11 forged checks amounting to {$4700.00} were cashed each of which had a forged signature. We promptly notified the bank and visited the local branch in XXXX XXXX California. The staff provided us with 11 packets to claim the fraudulent activity and additionally instructed us to return the documents along with a police report and a notary stamp on each packet ( one for each forged check ). The banks notary informed us that my drivers license was expired and I would need to obtain a new copy before notarization woyld be feasible. Over the course of the next few months I was able to get the documents notarized and returned to the branch on XX/XX/XXXX. During the course of this time we continued to stay in contact with bank staff who regularly and casually mentioned to bring the document in at our convenience, however upon submitting, the branch manager informed that the docs were now past the '90 day due date ' and would likely be declined. About a week later they further informed that it was not 90 days but rather 60 days window for submitting and that we should have been aware since this is mentioned in their sign-up package. Furthermore they explained that the bank where the the thief cashed the checks would need to refund them ( Bank of the West ) the stolen money and placed responsibility on the paying institution. The sum of XXXX XXXX dollars is a significant amount of money for a family. Bank of the West treated this event ( the theft and their failure to block forged checks ) as a minor blip in day-to-day protocol. They take zero responsibility for thebfailure of their services and show disregard for the fact that a criminal has compromised the system. They demonstrate a complete lack of urgency or regard for the protection of consumer 's hard earned money and have put a family in a situation where mortgage can not be paid. In the opinion of this customer I wonder what the purpose idea check is considering how easy it is to forge a signature and cash nearly XXXX XXXX dollars. The bank should have made it abundantly clear that a deadline was approaching and coached us through the process of refunding our money that they paid out to a criminal. Their actions indicate that theft is easy and will only contribute to increased theft of checkbook and forgeries. The bank is insured and has multiple means of recompensation - the consumer is left to perform their legwork, incurr the costs of notarization etc meanwhile they continue to operate at the lowest possible standards. We need our money refunded without hesitation and ask only for our money at this point - we are willing to put aside the mental anguish this has caused and would like to suggest that Bank of the West promptly rectify this situation.
|
| 08/25/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I have to make a wire transfer to a third-party company.
I log into my Bank of the West account and go to the " Payments & Transfers '' tab. I have a few options there : - Bill Pay - Send Money with XXXX - Transfer & Payments Between My Bank of the West Accounts - Transfers to/from My Non-Bank of the West Accounts The last two are not relevant in my case ( wire transfer to a third party company ). XXXX also does not seem to be relevant since it is a direct payment to a friend or relative, simply through an email address of phone number. I am looking to wire money directly and securely to another bank account.
I go to Bill Pay. I have to go through the cumbersome process of searching a Bank of the West affiliate before I can add the third-party I wish to wire transfer my funds to.
The Bill Pay UX is confusing. They are not asking for the routing number, the bank info or anything from the third-party. I wonder how they will transfer the funds with just an account number.
I double, triple-check the Bill Pay support page and FAQ : " Overview What is Online Billpay?
With Online Billpay you can pay any company or person you owe.
Quick Facts Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. We send the money electronically whenever we can. If the person or company cant accept electronic payments, we print a check and mail it for you. '' I want to stress this part, which I consider false advertising, and which is the object of my complaint : " ... that you would normally pay by check ... We send the money electronically whenever we can. If the person or company cant accept electronic payments, we print a check and mail it for you. '' They are clearly saying they will transfer the funds electronically as long as the other party can accept them. This is my case.
I proceed with setting up a Bill Pay but the confirmation I receive is " Your check is processing ''. Estimated date of completion : XX/XX/XXXX. We are XX/XX/XXXX. This is nothing like a regular wire transfer.
I call the Support line, get in touch with an agent who tells me that Bank of the West does not support wire transfers. This will be a future feature for customers. I can ask for a wire transfer by going to a local branch and pay USD {$35.00}.
Their Bill Pay feature is definitely misleading. Their advertisement of opening a " Making paying bills a breeze '' with a Bank of the West account is also misleading : " Avoid late payments and penalties when you set up one-time, recurring, or expedited payments with our online Bill Pay.
Pay bills anywhere in the U.S. quickly, easil y, and securely with our online Bill Pay. '' Where I live the " breeze '' does not take a check and 1 week to arrive ... Thank you for considering this complaint.
|
| 11/27/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
My name is XXXX XXXX and I would like to report an online scam involving the scammer 's account with the Bank of the west I had posted an advertisement on my college XXXX page '' University XXXX XXXX XXXX XXXX '' that I was looking for a room mate for my apartment and I was scammed by a person who said that they would like to send me a deposit. Instead of depositing the XXXX dollars that was agreed upon, the person would send me XXXX dollars by mistake and ask to send it back.
When none of it is true it is a common Scam that they target XXXX students, Day 1 : The scammer by the name XXXX ( Phone number XXXX ) offers to send you money of XXXX dollars, They insisted on XXXX XXXX XXXX as they are unable to send from Bank of the West , I give my friend 's XXXX XXXX XXXX account number to receive the money, in this case my friend Mr XXXX XXXX XXXX account was given to receive money as I only have a XXXX bank account.
The scammer deposits XXXX dollars instead of XXXX and calls me to ask me to send it back, now the scammer mentions that her brother Mr.XXXX has a XXXX account and I can also send it to them through the app called " XXXX '' by the email XXXX. I go ahead and send the money from my XXXX account to the scammers account through XXXX. Meanwhile my friend confirms that the money is received in his account and I send it.
What has happened in the background is that the scammer has called XXXX XXXX XXXX and lied as if it was my friend mr XXXX and that someone is trying to deposit money into his account and to stop it. The bank sends a code to my friends account number and we think that it is a confirmation number for the bank to authorize the money to be received.
This is where the XXXX XXXX XXXX 's loophole made things worse. The actual money is stopped by the scammer before it gets to my friend 's account, but the bank releases a temporary credit and the money shows in his account as received.
Day 2 : We do not suspect anything, but the scammer continues to call us saying that the money was accidentally deposited twice and requested we should send it back.
I do send the money XXXX dollars again from my XXXX XXXX when my friend saw the increased balance in his account due to XXXX XXXX XXXX 's temporary credit deposited again.
The scammer stops responding now and has received two XXXX dollars and we know that the scammer has the account 's phone number tied to the Bank of the West and XXXX XXXX.
I have complained to the police : case number XXXX ( XXXX XXXX police, XXXX XXXX, Michigan ) My friend 's account now stands closed as the scammer might have access.
I complained to my XXXX XXXX, XXXX customer care and received no support.
Phone numbers used by the scammer : XXXX, XXXX emails : XXXX, XXXX XXXX
|
| 10/09/2018 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
XXXX - XXXX of XXXX i experienced gross fee charges from my bank close to over {$1000.00}. After I discussed with bank to no avail, I was extremely careful since. Then in XXXX and XXXX of XXXX i made another mistake with a creditor, and incurred almost another XXXX USD in fees. When i spoke to their " customer support '' ... they simply acted like this was normal and my fault or my creditor 's fault. I asked the creditor if they were responsible and they pointed me back to bank being the massive fee collector.
So, now, i have been on phone with " customer support '' last week and today regarding the magical invokation of atm overdraft protection they tell me I invoked 2 years ago.
This time they only collected {$170.00} in fees from me in XXXX.
However, i asked operator if they could mail me policy in print that lays out the criteria for suddenly acting on my XXXX request to " opt in '' to overdraft protection for my debit card ( without my knowing of it ) ... then using that sudden opt in status to steal 10 % of my income upon my auto deposit.
In other words, in at least 1 year prior to this, i never noticed the bank using atm overdraft protection on my behalf and getting charged fees for it.
I'm quite aware of my monthly balance and i feel direct and immediate repercusions from each fee they XXXX out of my auto deposit.
So WHY did they suddenly decide to invoke atm overdraft protection ( instead of just declining transaction as in the past ) this last XXXX of XXXX, costing me {$170.00} out of my XXXX auto deposit?
Also, why is there no escalation path with Bank of the West when customer service tells you excessive fees are the customer 's fault???
I am finally getting away from these thieves to a local credit union, but it's a shame they can get away with so much $ in fees by collecting them and blaming the customer when they speak up due to their excess fee charges upon single mistakes.
It's quite clear : look at my account history and see that atm overage payments were not made until this last XXXX. If you look, you will not find atm payment and associated {$35.00} fees for MANY months prior to XXXX.
I spoke to a branch magager a year ago regarding the many hundreds i was charged in fees and they simply don't care. At that time they never said I was " opted in '' for atm overdraft coverage.
Why would I want atm overage coverage and volunteer to be charged {$35.00} for each instance.
I would never have KNOWINGLY signed up for this ... regardless, WHY did it appear to be invoked for XX/XX/XXXX?
I'm tired of the customer service telling me it's all my fault somehow. In other words, they have assured me all the fees they charge me are ligit. Feels like financial XXXX to be honest.
cheers
|
| 11/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
Dear CFPB : Bank of the West ( BOTW ) hit me with a NSF fee on XX/XX/XXXX ( a {$35.00} fee ). The transaction should have simply been stopped, but BOTW pushed the funds through. I, wrongfully, incurred an additional {$30.00} on XX/XX/XXXX ( due to my account being more than {$200.00} overdrawn ). The transaction was an online EFT, BANK to BANK, " one time '' checking account transaction to a savings account. The transaction of XX/XX/XXXX was overdrawn due to a keystroke error. When I learned of it, on XX/XX/XXXX, I had the funds returned to BOTW by XXXX XXXX XXXX XXXX XXXX on the same day. However, the funds did not post in time to stop the second NSF fee of {$30.00} for XX/XX/XXXX, or so says, BOTW.
I believe that BOTW was being abusive by allowing the overdraft to go through on XX/XX/XXXX. I complained to the bank managers in person, online by email and by telephone, but I was told that the fees are correct. Bank of the West has been treating my account as if I signed up for overdraft protection. Even insisting that I was automatically signed up when the account was registered online. However, when I opened my BOTW account online ( # - XXXX ) on XX/XX/XXXX, I never once signed up or designated an alternate account to cover any overdraft protection.
Under the overdraft protection law enacted XX/XX/XXXX it is illegal for banks to automaticaly sign up new accounts for overdraft protection. Again, the H.R.1261 " Overdraft Protection Act of XXXX '' - Amends the Truth in Lending Act to prohibit a depository institution from engaging in unfair or deceptive acts or practices in connection with overdraft coverage, or in acts designed to evade the provisions of this Act. ... ( 1 ) the consumer 's transaction may be declined if there are insufficient funds in the related transaction account, and ( 2 ) the consumer will not be charged a fee if such transaction is declined. ... Prohibits an overdraft coverage fee if the overdraft results solely from a debit hold amount that exceeds the actual dollar amount of the transaction. ...
The US Treasury makes a direct deposit for my SSI payment into my Any Deposit Checking account on/or before the first of every month. BOTW was well aware of my direct deposit history and decided to take advantage by transferring the full amount to XXXXXXXX XXXX XXXX XXXX XXXX where my XXXX. fund is managed, even though it would put my primary checking account in a negative balance. If I were unable to return the funds back to BOTW I would have continued to incur NSF fees every five days until XX/XX/XXXX.
In closing, I am requesting that the CFPB audit all my BOTW transactions for the months of the XX/XX/XXXX through XX/XX/XXXX. Please advise.
Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX
|
| 08/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
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I am XXXX y/o, legally XXXX and discovered on XX/XX/XXXX that I was the victim of elder financial XXXX. My grandson who lived with me wrote a fraudulent check from my account for {$1400.00} to his own company ( his company that he rarely provided services to anyone. He essentially wrote a check to himself. ) I reported the fraud at the local XXXX Bank of the West branch that day. Initially they credited the account the amount of the fraudulent check. A few days later they sent an email from the branch saying the claim was denied because it was late. I attempted several times to ask why it was considered late I was just sent the terms and conditions with a highlighted section that says the claim must be filed within 30 days of getting a statement with the fraudulent check on it. I called the " XXXX '' number and was told that I had to deal with the local branch. I emailed the local branch and stated that the check was written on XX/XX/XXXX. The check showed on the statement that closed XX/XX/XXXX. Statements then arrive on or about XX/XX/XXXX. I reported the fraud on XX/XX/XXXX. I told them that would be within the 30 day requirement. They said they would refer this to the regional office. a person from the regional office called twice and left a message. I called back at least 3 times and have not heard back from the regional person.
Also the financial XXXX made 35 electronic transfers through the bank 's XXXX starting XX/XX/XXXX. The XXXX transfers were from my checking and savings account into my grandson 's XXXX account. The total of the transfers was approximately {$18000.00}. The transfers often happened in succession. On XX/XX/XXXX, he made 8 transfers of {$450.00} each. I also reported this to the local branch on XX/XX/XXXX and filed a electronic transfer fraud claim. I found out on XX/XX/XXXX that bank staff did not fill out the form and I needed to fill out a form. I returned the form on XX/XX/XXXX. I haven't heard the outcome and concerned that they will use the XX/XX/XXXX date as the date I notified them of the fraud. All of the reported fraud would have been reported within the 60 days. Also, the bank did not intervene when there was obvious fraud occurring ( XXXX {$450.00} transfers in one day on XX/XX/XXXX ) I did get an approximate {$7000.00} credit last week but have no idea what that is for and don't know if that again is a temporary credit while they investigate. The {$7000.00} credit is not even half of the total of fraudulent transfers.
The Branch Office staff are friendly and nice but they do not know how to handle reports of fraud. When I ask questions they call the corporate office and then relay the information third hand. Very frustrating and ineffective way to communicate.
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| 10/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Older American |
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In XXXX, my husband and I purchased a motor home financed by Bank of the West in California. For six years we diligently made the {$610.00} a month payment, totaling about {$46000.00} on the {$70000.00} loan. The interest rate was very high at the time. As we increasingly felt the effect of the XX/XX/2008 crisis and we lost a lot of income, we could no longer afford those payments. We prevailed on Bank of the West to refinance our loan. They told us they would not even consider it because we were current in our payments -- we needed to be at least 90 days in arrears. So we let our payments lapse and used the money to make other financial obligations. Then they said they would not refinance the loan : bottom line they repossessed our motor home. They sold it at auction for {$20000.00} despite the fact that we had found a buyer for {$30000.00} who they refused to consider. Then they told us we owed them {$50000.00}. They would n't even take into consideration the money already paid over a six year period. They set us up on a payment plan of {$150.00} a month. Fast forward three years : we have been making payments religiously, and have paid down {$5000.00}, but they report us to the credit bureaus ( I have written XXXX, XXXX and XXXX but I have not heard anything ) as though we are always 30 days late when we are not.
As time has gone on, our fixed income Social Security has not gone up, but everything else has. Our payments on our medical supplements have increased substantially, along with taxes, insurance and life insurance premiums. Utility bills are continuing to rise, and we can no longer afford the mortgage payments on our house. We can not refinance our house because of the bad credit report from Bank of the West, and now two other things are happening as a result of Bank of the West : 1 ) Our homeowners insurance is going to double XX/XX/XXXX {$1300.00} because we no longer have an XXXX credit rating, and 2 ) XXXX XXXX is going to close our credit cards despite the fact that we have never abused them, which will hurt our credit even further. We are in our XXXX, and within a few months will be in danger of losing our house. I called Bank of the West and asked if they would consider a lower than {$150.00} a month asset recovery payment -- they said they would not. I asked them if they would please report our credit in a better way to let creditors know that we are paying on time and they said they " have the right to report our credit any way they want to. '' This repossession is the only " bad '' mark we have ever had on our credit in all our adult life. We are at wits end as to what to do. Bank of the West says they will take everything we have. Bankruptcy is n't an option to us. Please help.
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| 09/18/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On XX/XX/18, I went to the local Bank of the West branch in XXXX XXXX, CA, and made an ATM check deposit of {$200.00}. After the deposit was made, immediate credit of {$100.00} was available. I used the same ATM to withdraw the {$100.00}. Nowhere on the ATM deposit receipt showed that they are putting a hold on my deposit, and after I withdrew my money, only {$100.00} was on hold and my available balance was {$0.00}.
Over the weekend I tried adding the Bank of the West account to my XXXX app and requested bank verification letting XXXX initiate two micro deposits and withdrawals. This is a way for XXXX to verify that it is my account. My bank balance was still {$0.00} at that time.
OnXX/XX/18, when I checked my account online, I saw that the {$200.00} deposit was on hold and my balance was at negative {$200.00}. Also they charged {$35.00} for withdrawing {$100.00} at the ATM as an overdraft fee. So it became overdrawn in the amount of {$130.00}. I called to get the overdraft fee reversed. They were willing to do it because my account was new and they allowed one fee reversal per year. Then XXXX made two small deposit amounts of {$0.00} & {$0.00} and they tried to withdraw those XXXX amounts and it was overdrawn after the negative balance. Bank of the West did not let XXXX withdraw {$0.00} & {$0.00} and charged two {$35.00} overdraft fees in the total of {$70.00}.
I called to get the fees reversed after explaining to them what happened. I spoke to a couple of customer service representatives and they were unable to reverse any fees and asked me to go inside the branch to talk to the people there.
On XX/XX/XXXX, I received a receipt from Bank of the West via regular mail that there is a hold that's placed on my deposit I had made on XX/XX/XXXX, and it is not going to be available until XX/XX/XXXX. And under the receipt it shows if I was not notified of the hold that was placed and my account was overdrawn then I need to contact the branch for getting the fees reversed.
On XX/XX/XXXX, I went inside the branch in XXXX XXXX and told them I was not notified of the hold at the time of deposit they said that they had called me to let me know about the hold. I asked them when and they said on XXXX. They said they left me a voicemail to let me know but never received the phone call or the voicemail. They said they didn't call me on XX/XX/XXXX to let me know because they were closed and reopened on XXXX. But I made a deposit during normal business hours and they were open on Saturday, XXXX, which they still didn't call me to let me know. And they can not reverse the two fees because only one fee reversal per calendar year is available and I already got my one out of three overdraft fees reversed.
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| 12/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I purchased a used XXXX XXXX XXXX XXXX XXXX from a 3rd party in XXXX XXXX on XX/XX/XXXX for {$260000.00}. The motorhome was titled and registered in XXXX XXXX. I paid {$130000.00} in cash and a loan from Bank of the West for {$130000.00}. Included in the loan fees were the XXXX State title and Registration fees of {$470.00} ( see attached LoanDisclosureStatement ). XXXX is where I reside. Bank of the West was supposed to take care of the XXXX title and registration. On XX/XX/XXXX ( see attached XXXXXXXX ) I received the letter dated XXXX from the XXXX DMV stating the date on the Title XXXX submitted to them by Bank of the West does not match the date on the XXXX XXXX title in the National Database of XX/XX/XXXX for this motorhome. The letter also states a " blank '' check was included which they can not accept and lists the required title and registration fees. It says if there is no response within 30 days the transaction may be returned, put on hold, or cancelled. Between XX/XX/XXXX, the day I received the letter, and XX/XX/XXXX, I called Bank of the West 5 or 6 times and each time was assured this issue would be expeditated and I would receive a response from them. The 6th call I requested to speak with a supervisor. That also got me nowhere.
On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX XXXX ) Complaint : XXXX. They too have hit a dead end. After numerous inquiries and numerous replies to/from Bank of the West by the XXXX, Bank of the Wests response was always the same, they needed more time to investigate and expect a response in 2 weeks. After 2 weeks they responded they needed another 2 weeks. This has continued since I filed the complaint.
I have continued to call Bank of the West and each time assured this would be escalated. I have also spoken with the XXXX DMV and the XXXX XXXX DMV thinking maybe I could resolve it but XXXX XXXX DMV will not give me the title because I am not the registered owner. That seems ironic, I paid {$130000.00} cash, have been making {$980.00} monthly payments for the past 10 months totaling {$9800.00} and insurance for a vehicle that I cant drive! I have no title, no registration and no license plates and if there was a serious problem its registered and titled to someone else!
I spoke with the XXXX DMV earlier this week and was told they have heard nothing from Bank of the West since they sent the XXXXXXXX letter dated XXXX.
Bank of the West has committed fraud. They misrepresented the RV loan and process. I was told the registration/title process would be done in 5 to 7 days. They have my money and I have a vehicle I cant drive. I have paid over {$5000.00} in interest and insured a vehicle that sits in my driveway.
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| 08/19/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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In XX/XX/XXXX, I went to the Bank of the West XXXX to secure a business loan for opening a new private practice. Although my practice was already open and I had some money XXXX, the bank said it was n't enough and needed personal collateral to secure the loan. This was an interest only loan, and a revolving account attached to my employee LLC ID and not my SS #. After a couple of years I started paying back more than just interest. In XX/XX/XXXX I got a job offer with the government that was too good to be true, so I closed my practice and moved. I also closed the bank account that had autodebit for payment on this loan and contacted XXXX XXXX on several occassions to get the auto debit linked to another account. He never returned my calls and they continued trying to pull money from a closed account for the next 90 days which caused additional fees for overdrafts, past due payments, and credit problems. I started paying them by check because they would not allow me to pay more than the interest if I set up autodebit again. Over the last two years, I have paid about {$50000.00} on the {$77000.00} balance. The property tied to this loan is worth {$99000.00} according to XXXX XXXX tax dept. I called the other day to see if the revolving account could still be used because I no longer had checks to that account. They asked how much I had in mind. I said around {$12000.00}. XXXX XXXX and someone named XXXX said they would check. XXXX called me back and said that because I did n't pay any principle on the loan in the beginning, I no longer had the revolving status and they were not willing to work with me. Today, I received documents in the mail stating that they had pulled my credit report ( WITHOUT MY PERMISSION ) and said my credit score was too low according to XXXX. This is rediculous because I 'm currently XXXX getting a home loan and if they would have asked for a personal credit report I would have told them NO because that could mess up my credit rating. I called XXXX. He said he had notes from XXXX saying I wanted to apply for a new loan of {$12000.00} and that is why they pulled my credit report. I told him I did n't care what the notes said I NEVER gave anyone permission to pull that report nor did I apply for a loan. I already had a loan. I merely inquired as to whether I could still use it as a revolving account since they still had a lein on my property. In addition, I asked him when they changed the terms of the original loan agreement because I was n't informed of those changes and XXXX could not answer me. These practices should be illegal. I have had nothing but problems from this bank and I wish for you to investigate their practices. Thank you.
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| 05/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BANK OF THE WEST XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX
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| 02/15/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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Securities and Bank Fraud Narrative XX/XX/2021 I was contacted by a Broker named XXXX XXXX from XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, at telephone number XXXX who told me that I had available 86 shares with XXXX XXXX XXXX related to a time share I purchased with them in XXXX. It was explained to me that XXXX XXXX XXXX was buying back outstanding shares in the company in order to abide by a FEC requirement for them to go public. I was told each share was worth {$1800.00} for a total of {$150000.00}. I later was told that I had an additional 68 shares equaling {$120000.00}. Mr. XXXX said he had been contracted to liquidate these shares.
Mr. XXXX told me to contact XXXX XXXX at XXXX XXXX of the United States, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, telephone number XXXX. I was told that XXXX XXXX was the XXXX XXXX contracted to complete this shares liquidation. Mr. XXXX told me I needed to deposit 5 % of the liquidated share value to open a brokerage account for a total of {$14000.00}. I wired the initial 5 % from my Bank of the West account to a XXXX account with routing number XXXX. The account recipient XXXX was in the name of XXXX XXXX XXXX XXXX XXXX, a XXXX Investment and Brokerage company. All of these institutions have internet presence when XXXX. They are registered with the state of New York or Delaware. The name of the bank manager was XXXX XXXX. I also spoke with him several times.
After I opened this account with XXXX XXXX, I was given an account number connected to an on-line portal at which I could see the money from the liquidated shares deposited into my account along with my initial 5 % deposits. I was later told I needed to pay for additional taxes for the total amount before the funds could be released into my personal banking account. This tax was for {$42000.00} and was to be paid to the U.S. and XXXX Governments. I was told that this tax percentage was determined from the Tax Cuts and Jobs Act ( TCJA ) regarding repatriation of offshore funds back into the U.S.
When I could not come up with the additional funds I did more investigation and a lawyer associate mentioned a new scam involving time shares which fit what I was subjected to. I looked further into this and discovered that other people had met with similar scams but the broker and bankers had different names. I then filed several complaints to various agencies including XXXX Police Department, California Attorney General, New York Attorney General, Federal Trade Commission, The Justice Department s IC3 Internet crime department and Securities and Exchange Commission.
To date, the website for XXXX XXXX XXXX XXXX XXXX has been taken down.
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| 01/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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I purchased a motorhome from an individual through Bank of the West at the end of XX/XX/2022 first of XX/XX/2022. Bank of the West never processed the transfer of title and registration paperwork thus causing the registration to expire and the title to remain in the previous owners name. Since the registration is currently expired I am unable to move or use the motorhome. I have called numerous times over the past 8 months and each time I call I get a different excuse. I requested to speak with someone higher up at the bank and was told there were no phone numbers and departments usually communicated by email. They advised I write a letter expressing my displeasure. At one point I was told the delay was caused by the bank requesting paperwork from the original owner before my loan was actually funded so when the paperwork was received it had nowhere to go so the bank basically lost it. Instead of someone from the bank contacting me to let me know there was a problem I was notified by the original owner. Ive been told they needed to request a duplicate title, they needed a new power of attorney, they needed approval to pay the late fees with the DMV, and they could not do anything more until the issues they created were rectified. I have been making a payment on this motorhome for almost a year and have been unable to use it. This is costing upwards of {$1200.00} a month for something I am unable to use. This doesnt include the insurance I had to take out before I even took possession of the motorhome because it was a Bank of the West rule for funding the loan. I did receive some duplicate paperwork for myself and the original owner over 2 months ago that I went ahead and completed and was told by the original owner they completed and returned as well. I still cant get an update from the bank on when this situation will be resolved. I have been on a waiting list for a storage spot at the military installation where I work and was finally called about an open spot but was told I could not accept the spot because I didnt have current registration. The spots on base are substantially cheaper than other storage locations so Ive been forced to pay twice as much for a storage spot because Im unable to move the motorhome. The base did agree to hold the spot if I paid for it. In order to not miss out on the available spot, which is also closer to my home, I had to pay for it. Not only am I paying for the motorhome I cant use but Im paying for 2 storage spots and insurance on a vehicle that legally is still not mine and I cant legally operate. To date the motorhome is still registered to the previous owner and I have been given no timeframe for resolution.
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| 05/01/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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At the end of XXXX, I discovered that my Bank of the West checking account had been hacked and {$600.00} was stolen from my account. I immediately called the bank and was told that my debit card would be canceled and I would not have access to my funds ( unless I banked in person ) for 10 business days. I could not get a temporary card from my local branch and absolutely no other options were made available to me. Many merchants only accept payment via card ( including the parking machine at my job ) thus that single bank policy made it extremely difficult for me to engage in basic 21st century transactions. But with no options available, I had to simply accept this policy.
Next, I asked the bank to reverse the stolen funds. They refused. Their policy was to mail me an affidavit they would not accept my declaration by phone. One week later, I still had not received the affidavit. When I called back, the Banks best offer was that I could go down to their branch ( at times that conflicted with my work schedule ) with a letter. If that option was available, why did I have to wait over one week to learn about it?
Prior to receiving the affidavit from the Bank, I received difficult news concerning my health. I informed the bank I was dealing with a health crisis but would get the affidavit to them as soon as possible. Miraculously, despite juggling work, family life, and the challenge of coordinating a slew of doctors appointments to handle a potentially life-threatening challenge ( and fear, of course ), I managed to mail in the affidavit within two weeks of receipt. The bank sent me a letter informing me I had not sent it on their time table so they would not return my money prior to concluding their investigation.
Finally, just yesterday, the bank returned half of my stolen funds with no explanation as to why or when I can expect the rest.
In sum, I was the victim of bank fraud brought about through no fault of my own. In fact, the security practices of financial institutions like Bank of the West, are so lax they make such fraudulent activity possible, even common place. When I reported the fraud to my bank, they invoked policies that punished me, the consumer, and allowed them to take as long as they wanted to return my money. They did this just as I was dealing with the most frightening health crisis of my life. The {$600.00} meant nothing to the bank, but for me it meant I had to forgo basic necessaries so that I could pay bills for the month. It also added more stress to a very stressful time. This is unconscionable behavior. I ask CFPB for assistance with my case but also to investigate so that this problem does not happen to others.
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| 05/04/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I am a former customer of Bank of the West ( FDIC # XXXX ), who spent much of XXXX and XXXX attempting to close my personal checking account. I initiated phone communication with Bank of the West on XXXX XXXX, when my bank was in good balance, and was immediately thrust into a bureaucratic nightmare. When I called the XXXX number, I was informed that I had to speak with the branch at which I opened the account. As I have moved away from XXXX XXXX, where the account was opened, I found myself with no recourse but telephonic communication.
I attempted to call the branch at which I opened the account, and was put off, despite multiple tries, by the manager 's unavailability. Each time, I was promised a return phone call. No call was ever forthcoming.
The account was in good balance until XXXX XXXX, at which it became overdrawn. I promptly deposited {$30.00} into the account, with the intent of establishing a positive balance, but was immediately swamped with overdraft charges. Simultaneously, a previously scheduled XXXX charge XXXX XXXX/XXXX/15 XXXX went through on the account, despite my attempts to get XXXX to remove the charge. Still, I believed this would be fine, as I had deposited enough money in the account to cover the charge. What I did not realize is that Bank of the West 's egregious grift had all ready eaten in the money that I had deposited.
While this was happening, I was still making attempts to contact Bank of the West at their XXXX number and at the branch where I had opened the account. There was no traction with the XXXX number, as they insisted I need to speak with the branch as the balance was negative. I found myself caught in a XXXX -- I could n't close the account because the account had a negative balance, to which bank of the west was adding incurred fees each day. The local branch, meanwhile, did not return any attempts at communication. The manager was always " out to lunch. " With XXXX exception, ( a {$0.00} XXXX charge on XXXX/XXXX/15, again unexpected ), the account underwent no use, yet it continued to accrue daily overdraft charges until the XXXX of XXXX, when Bank of the West closed the account and referred it to a collections agency.
It is my fear that my experience has become a standard business practice of Bank of the West, whereby both the unexpressed and expressed desire of the institution is to refuse the closure of accounts for financial gain, with the threat of ruin to any customer unwilling to participate in its usurious scheme.
This unscrupulous practice of exploitation and abuse of Bank of the West 's customers must neither be tolerated nor sanctioned by its governing bodies and insurers.
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| 09/03/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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When I opened my account it was guaranteed to be free of fees for 125 years. My checkbooks was stolen on XX/XX/XXXX and the bank told me that by giving me a new account number everything would be resolved. I had two checking accounts that were free for 125 years. I told them that the account was free from all fees for 125 years and I did not want to loose the free service. XXXX at the branch on XXXX XXXX XXXX XXXX in XXXX XXXX California assured me that everything would remain the same except the account number. Everything went along fine until XX/XX/XXXX when both my checking accounts began receiving {$3.00} monthly fees for bank statements to be mailed. I complained and {$6.00} was credited back to my accounts. ( {$12.00} in fees and {$12.00} in credits ). The manager told me this had been corrected and the fees would no longer be assessed. Her name is XXXX and her number is XXXX. I called and complained when the fees continued in XXXX and she backtracked and said the 125 year free account did not include free Bank Statement being mailed. I told her I was filing a complaint and she did not care. I have incurred {$3.00} x 2 accounts for XXXX, XXXX, XXXX, and soon XXXX that total {$9.00} each account soon to be {$12.00} each account. Then in XXXX one of my accounts started being charged an additional {$10.00} fee for a total of {$13.00} a month. I did not realize the additional fee was being charged until the bank charged me a {$35.00} NSF fee for a check. This horrified me as there would have been enough money in my account had the bank not charged me all the fees. The notice stated my account was overdrawn by {$22.00} and they were assessing an additional {$35.00} fee. So to summarize the fees charged, Account One has been overcharged {$9.00} and increasing by {$3.00} the XXXX of every month and Account Two has been overcharged {$9.00} for statement fees also increasing {$3.00} on the XXXX of every month, {$20.00} for unknown fees and I assume they will continue to charge this additional undisclosed fee on the XXXX of every month, and a {$35.00} fee for a NSF that is their fault for charging me fees fraudulently. To date Bank of the West owes Account One {$9.00} and Account Two {$64.00}. I called XXXX Thursday XX/XX/XXXX and she has not returned my call or corrected my account. I am trying to locate my original free checking information however it is from around XXXX. Bank of the West is stealing money out of my account and committing Bank Fraud by taking money not due them and not agreed to by me. I also have direct deposit on both accounts so it is very difficult to change banks as well as redoing all my online payments.
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| 10/11/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I have four now over a week been trying to reach Bank of the West regarding unauthorized charges to my account I have had now a second major issue with this Bank I filed a dispute with the phone customer service representatives and was told that they would be emailing me a Affidavit of dispute since of course I 'm no longer in XXXX wish the bank is well aware of and that I was going to be traveling for work for the next week the bank has since then played games and manipulated me to believe if they were going to be emailing this form the same day that I file the complaint I believe they told me one and two business days they have not emailed the Complaint Form when I called the bank directly they told me that the person that was assigned was all for the day which is very frustrating to me that only one person handles one complaint you know per customer for this whole thing think so I was told another representative would be emailing me that form I called the bank again still not receiving the affidavit for me to file the dispute so it has now been almost over not almost has been over a week and I have about {$200.00} hours worth of my funds that were unlawfully unauthorized taken from my account and the bank is refusing to process the dispute I am extremely upset I will not only be filing a complaint with this Bureau out of the also filed complaints with any Bureau regulating Banks against this company this is the second major issue I 've had I 've never had to go through this much hassle trying to dispute a transaction Bank of the West has got to be the most unethical bank I have ever had to deal with and I am beyond tired of this I am also in the process of Consulting an attorney that can file a lawsuit on my behalf in the state of XXXX against this bank I am sick of these banking institutions taking advantage of its members holding our money hostage just about and then refusing to process transactions and the fact that I have been lied to repeatedly by representative after representative and I can only file a complaint through submitting a particular form that is unacceptable to me I am not in the state of XXXX I am in the XXXX XXXX XXXX region and the bank is very aware of this as they even mailed me my debit card to my new address so should n't be no type of hiccups and hang us about this issue and like I said they told me they were going to be processing the affidavit VA email I have not received it in my primary my all mail or my spam junk mail box at all they have not sent it at all and it 's been over a week I 'm extremely upset and I will pursue this matter to the furthest extent of the law that I am able to.
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| 12/28/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Re : Bank of the West, XXXX XXXX This is the worst banking experience ever for me, and the bank itself actually looks fraudulent.
We opened a bank account with them in XXXX, we funded $ XXXX to one checking account on XX/XX/XXXX. Before we received the ATM card, someone already started accessing our account starting XX/XX/XXXX. A few hundreds here and there, XXXX, XXXX, XXXX and alike within a few days, some {$8500.00} USD were stolen from our account. We noticed the problem only by accident when my wife logged into the account and immediately reported the problem to the Banks Fraud department. Following their standard procedure, we filed a police report ( XXXX XXXX Police Department report XXXX ), affidavit and we thought this would just work out on its own oh how wrong were we.
Two months later this is still not resolved.
We only saw {$2800.00} returned to our account earlier this month and were wondering why, and were thinking maybe they are still processing the refund.
We called them again today, got hold for 45 minutes, and only were told some incident researcher called us early XXXX and settled with us on that amount. Oh, we didnt know we had settled the case with them because no one actually called us.
Call center people just transferred around and no one seems to really know whats going on. They tried to bridge in the researcher who was nowhere to be found. They promised some manager would call us within one hour - but never happened.
I dont know what kind of bank does not enforce a smaller default daily spending limit on the ATM card. I don't know what kind of bank would say we requested the increase of daily limit to $ XXXX cash spending even though we have more than enough credit card to use and would never, never need to access cash at this level.
I dont know what kind of bank would treat a serious fraud like this one, likely rooted from inside of the bank, so lightly and not actively keeping its customer engaged for updates.
I dont know what kind of bank would not allow for SMS alert for spending over a certain threshold.
I dont know what kind of bank would think its OK for someone to accept a > $ XXXX loss through a phone call, let alone its not our fault.
I can only think : A very incompetent bank tries to lure customers, a very incompetent management team who simply cant get their act together, a very incompetent board who picked incompetent management to let crazy things happen to their customers.
They do not deserve to do business in California, nor elsewhere in the United States.
I am filling this complaint but also taking legal actions towards the bank.
|
| 09/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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My wife and I relocated to XXXX, Colorado in early XXXX this year. We submitted an offer on a house in XXXX XXXX and started the process of mortgaging it through Bank of the West. When the mortgage seemed to stall, I asked why and was told the appraiser issued a statement that the house we selected was so remote and surrounded by mountains that there could not possibly be a comparable. Strangely, the house is located within the XXXX city limits. After the appraiser made that statement, the bank selected another appraiser, who showed up to look at the house the evening she was selected and then went dark. The bank told me that because of federal law, they are unable to speak to the appraiser and therefore were unable to determine when the appraisal would be complete. The delay resulted in the bank telling me they were unable to close on the date near the end of XXXX, XXXX originally selected. They pushed the closing to XXXX XXXX, but told me they had no way of knowing whether they would be able to close on that date either. As an alternative, the bank recommended that I pull sufficient funds to pay cash for the house from my IRA and then proceed with the refinance process, which would be at a higher interest rate. I said I would wait a few more days, but if I had no alternative to using IRA funds, I would pursue the remortgage process through another bank. On XXXX XXXX or XXXX, we closed on the house using cash from my IRA. I immediately pursued a refinance through another bank. They selected a new appraiser who came to the house a couple days after we started the refinance process. He warned us that he did not think the house was worth what we paid for it. When the appraisal came back, the value was {$19000.00} less than we paid for the house. I called Bank of the West and our realtor and told each of them my greatest fear in closing on a house without an appraisal in hand came true. We had to come up with an additional {$19000.00} to close on the house in order ensure we had 20 % down on the house. If this experience was related to requirements of the Dodd Frank Act as I was told by the bank, I am very disappointed because it means we were punished by federal law rather than protected by it. If, on the other hand, Bank of the West did not do what it should have done to ensure our loan closed on time, I believe this situation needs to be checked into. If the problem is related to issues with appraisers in Colorado, I would like to have that checked into. I have owned several houses in different states and have never had an experience even approaching this one.
|
| 03/16/2023 |
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
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Web |
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XXXX XXXX XXXX XXXX, Bank of The West, XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited. Bank of West and XXXX XXXXXXXX XXXX won't even talk about the accounts. Stating they sold them or another company is incharge of the account. I would like to speak to the company that originally stated I have a debt owed. I haven't signed contracts or anything with XXXX XXXX XXXX or any other company so I don't care if they sold it or not I don't have a contract with them. Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. XXXX XXXX XXXX XXXX, Bank of The West, XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX violated the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. They are improperly holding me liable for the fraud on a account; failing to delete inaccurate, derogatory information from XXXX report ; and engaging in other misconduct. As a result of their failure to comply with its legal obligations and negative reporting of reporting to XXXX, I was forced to relocate across the country and was effectively forced out of the mainstream banking system. Defendant XXXX violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my XXXX report and by misreporting and failing to delete inaccurate information on my XXXX report, thus damaging my ability to open a bank account.
|
| 10/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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Web |
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In XX/XX/XXXX I received a letter from XXXX XXXX stating they were sending me to collections, I had no idea what this was for so In XXXX XXXX I sent a validation letter to XXXX XXXX XXXX Which they had already reported it to the Credit Bureaus and I was not given the opportunity to validate this debt prior to them even placing it on my credit.
On XX/XX/XXXX I received a letter stating they'd enclosed all validation documents. They sent me statements from XXXX of a credit card account that I had with them. ( Ive enclosed these documents ).
XX/XX/XXXX - I sent them a failure to validate letter letting them know to cease collections and remove this from my credit considering they never sent me a notice prior to placing it on my credit and there were no statements or signed agreement to this account they reported.
I then sent a complaint in and they finally responded to the cfbp 's complaint with the actual checking account that they are reporting. In reviewing these documents, first off the amount that they have stated that I allegedly owe are ALL BANK FEES. Here 's the issue with this, I never signed an OPT-IN form. Secondly, they were charging me a $ 25 monthly service fee just to have an account with them, which this {$25.00} is XXXX initially started the account to go negative. Had they NOT charged me this monthly service fee ( which I dont know why any bank charges {$25.00} a month to have an account ) the account would have never went into the negative. My account balances were indeed low but given the fact that they initially caused the overdraft with their fee, then charged me overdraft fees on items that would have cleared, it kept snowballing with fees. They charged me {$510.00} in monthly service charges, overdraft fees, and extended over draft fees, on items that would have cleared with out their ridiculous fees.
I work on an XXXX XXXX and am in the middle of nowhere for XXXX weeks at a time without access to bank accounts. It is obvious after reviewing the bank statements that I at no point OVER SPENT what I had in my account. On top of that, I never asked them, never signed for them to OPT me in to pay into overdraft. The signature card they sent has NOTHING about opting in on it.
I refuse to pay any more fees to them and this is absolutely unethical what they have charged me and they need to remove this from my credit reports and cease all collections, I have included all correspondence and highlighted the bank statements to reference how their fees is what caused this and their fees is what is allegedly owed.
|
| 12/05/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My debit card was compromised at a XXXX terminal at a gas station sometime in late XXXX of this year. Over the course of 2 months the fraudster drained my account completely. A total of {$4300.00} was stolen from me due to a compromised debit card. Upon discovering this fraud on XXXX I immediately drove to my bank and filed an Affidavit of fraudulent activity on my debit card. There were a total of 73 fraudulent transactions going back to XXXX Bank of the West would not let me claim any further than 60 days of fraudulent charges.
On XXXX, after filing the affidavit, the bank destroyed my debit card but did not put a freeze on my checking account. This allowed the fraudster to get away with another {$200.00} between XXXX and XX/XX/XXXX, after I had already alerted my bank to the fraud.
On XX/XX/XXXX, the following monday I contacted my county Sheriff 's office and filed a police report. I provided the Sheriff with a copy of my affidavit.
on XX/XX/XXXX I filed a second affidavit for the additional {$200.00} in fraudulent charges.
On XX/XX/XXXX, after XXXX XXXX I contacted Bank of The West 's corporate security team to provide them with a case number and contact information for the police report. I was told by the head of their Fraud dept., XXXX XXXX, that due to her training schedule, she would not be able to work on my case until the following week and would provide me with an update.
The following week of XX/XX/XXXX I contacted XXXX. She was not available. I asked her to return my call. Nobody ever called me back.
I called again the following week XX/XX/XXXX and was able to talk to another manager besides XXXX who informed me that my case had been handed to a different department called Corporate Security, who would work with XXXX 's department to handle my fraud case.
I received no contact or updated information until I called on XXXX. I was told by a representative that XXXX was unavailable. I asked that XXXX respond to me in writing about the status of my case. XXXX emailed me later that evening to inform me that the case was still being reviewed.
Throughout XXXX, I called the customer support line to get an update and was met with the same answer, " Your case is being reviewed by a separate department, there's nothing we can do but wait '' On XX/XX/XXXX I called again to obtain a copy of the signed affidavit. Nobody has responded.
At this point I have been robbed of {$4300.00} and my bank has done nothing to help me for 2 entire months despite filing an affidavit with them AND filing a police report.
|
| 09/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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Web |
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I opened a totally free checking account with Bank of the West in XXXX XXXX in or around XXXX. There were no fees associated or minimum balance required. In XXXX I moved to XXXX state and used funds from the BotW account to pay for moving expenses. When I arrived in XXXX, I opened a different checking account and attempted to close the Bank of the West account over the phone. The representative informed me that I could not close the account over the phone, but had to visit a branch. The closest branch at the time was hundreds of miles away, so I left {$5.00} in the account and let it sit idle. I check the statements delivered through email periodically and it sat there safe and sound for over two years. On XX/XX/XXXX I was suddenly charged a {$10.00} " Service Charge '' with no warning, bringing my account balance to - {$4.00}, and another one on XX/XX/XXXX dropping me to - {$14.00}. I first became aware of this problem on XX/XX/XXXX and immediately phoned Bank of the West at XXXX XXXX Pacific time. They informed me that my account had changed, but that they could not notify me of this via email, even though all of my statements and correspondence have always been exclusively through email. The supervisor then stated that there was a notice in the statement of the month when the account changed. At that point I checked the appropriate statement and found no such notice at all. I was also told that they could not reverse both charges, only one, and that I would need to bring the account to positive balance before I could close it. I told them that I had repeatedly tried to close the account over the phone in the summer of XXXX, but that I couldn't accomplish it over the phone. Now, they want me to send a check for {$4.00} to a branch in XXXX, XXXX in order to achieve a positive balance and then call back in to attempt to close the account. Needless to say, based on previous experience, I have little reason to trust that my account will be closed via a phone call. I'm furious that the terms of my account changed without my knowledge or consent, and now I've had money effectively stolen from my account and, worse still, extra fees tacked on. I've attached the last five statements, and they clearly indicate the lack of transactions, as well as the sudden, inexplicable change of my account from " Free '' to " Any Deposit '' sometime between XX/XX/XXXX to XX/XX/XXXX. Without my consent or knowledge! The Service Charges begin in XXXX, XXXX. I realize it's not a large sum of money, but it's the principle that matters.
|
| 10/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
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Web |
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On Thursday XX/XX/2022 I received an text message stating that a company located in Michigan was interest in hiring me for a " remote job ''. I quickly responded yes, and an online chat interview was scheduled for that morning. After a lengthy chat, I was told that they would send me funds for office supplies ( computer, desk, fax machine, etc. ). I received the checks totaling {$4700.00}. I used the Bank of The West app on my phone to deposit the checks. Only {$400.00} settled right away. I was told by the person I was chatting with to send the {$400.00} to a " vendor '' for company issued supplies. At the time, I only had around {$450.00} in my account. I had been in an automobile accident two weeks before, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I jumped at the chance for a job that I could XXXX XXXX XXXX I had not heard about this scam. Since I was, and still am, inundated with phone calls and email from my insurance and attorney, I decided to open a second account and put the funds from those checks in there so I didn't have any bills pull from those funds until I could go to the bank and make sense of what was going on. I thought something wasn't right, that's why I didn't send anymore money to anyone with those funds. The following Monday ( could have been Tuesday ) I noticed that the funds were being pulled from my account. That's pretty much what I had expected. Then I find out that my account is being closed. I went to the bank and they told me that not only would they not refund my {$400.00}, they were closing my account and I am not able to bank with them anymore. So, now I have no car, no job, roughly {$50.00} out of the {$450.00} that I had left in my account, and no bank. Initially I was told that I wouldn't receive the {$50.00} either if the funds that were taken out from the check didn't cover it. Because I didn't ( and never intended to ) use any of the money from the checks, I got my {$50.00} back. I tried to appeal to Bank of The West to get my {$400.00} back, but they flatly refused. I really need that money to survive. My naivety cost me almost all of what I had in the bank. I complained to the bank on a customer survey, but I know that will just end up in the XXXX XXXX XXXX XXXX ( garbage ). They gave me the option to have them call me, but I know they won't. They don't have the integrity to do so. DON'T BANK WITH BANK OF THE WEST!!!!!
|
| 11/03/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
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On XXXX XXXX, 2018 I tried accessing my online banking with Bank of the West. I encountered a verification communication that I was required to agree to, unconditionally and ongoing or not be able to access my account. I was not willing to agree to the demand and have now been unable to access online my business or personal accounts. After getting no result with phone customer service, or from the folks at the branch where I bank, I did some research and got the name of the bank president and figured out her email address and sent her a direct communication, as no one under her had been able to help me. I received an anonymous response from an associate of hers saying my complaint was forwarded to compliance and I'll hear back from them within 5 weeks. I wrote back that was not acceptable, as my business is in high season and now my livelihood was on the line, could they please help. I received a call from the online department who was able to bypass the verification block by having me reset my security questions, which allowed me online access at that time. However, I am still blocked. If I want to get online I must call and connect with the online department who then bridges the gap. The communication policy now being required offers no options other than unconditional release of my phones, email and other devices to receive unscreened, unsolicited communication of any sort, at my expense from their outside vendors and independent contractors for an open ended purpose. No guarantee that those vendors won't pass along the information either. HERE IS A COPY OF THE AGREEMENT I COULD NOT ACCEPT.. notice the term " for other reasons '' which leaves the door wide open..
By entering into an agreement with us, you expressly agree and consent that we, any of our affiliates, agents, independent contractors or service providers : May monitor and record telephone calls to assure the quality of our service or for other reasons ; May use written, electronic or verbal means to contact you ; and May contact you by using any email address or any telephone number you provide, including a telephone number for a cellular phone or other wireless device, regardless of whether you incur any charges as a result.
By your entering into an agreement with us, you are expressly consenting to, without limitation, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails and/or automatic telephone dialing systems regarding any current or future accounts, loans or other banking services.
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Last XXXX Bank of the West closed one of our accounts and made no mention of the issue to myself via any means. Text, email, USpostal service, phone call. Nothing. When our merchant provider attempted to deposit over {$7000.00} into the account, it was closed unbeknownst to anyone that it was closed. It turns out that Bank of the West charged a fee that put the account in the negative and then continued to charge over {$300.00} in additional fees based on their first fee. Since the deposit was not able to be made, the merchant provider closed our account on their end, perpetuating the problem. When I contacted Bank of the West, branch manager XXXX XXXX from the Bank of the West location at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. Phone number XXXX, apologized and stated he would rectify the problem. He would make the fees go away and reopen the account. What he did was submit the fees as a charge off to the XXXX XXXX which taints our business record and makes us unable to open any other accounts. He never informed me that we were to be further blindsided by his ineptness at dealing with this issue.
Upon discovering this in XXXX, I have made more than 30 attempts at contacting him and fixing this issue. No one answers the phone at the branch. XXXX. So I am unable to leave him a message or contact him. I am an hour and a half away from that location so I can not just drop in. I have made phone calls to Bank of the West XXXX number and they eventually are able to go through some back channel and get someone at the branch to answer a secret phone line. Us lowly customers don't have access to. Upon doing so, he of course is never in the branch. He's the branch manager but he's never in the branch. I was finally able to get one return phone call from him and he promised he would fix the issue 3 weeks ago from today XXXX. Since that day, I have made a plethora of phone calls and emails and he returns none of them. At this stage I have so many dozens of hours vested in this and the stress associated with it that it has become a very substantial issue. And of course, I've been unable to open the initial account that made me realize their mistake in the first place. This has become a very, very serious issue and he knows this, yet refuses to fix it in spite of stating multiple times that he would. This has rapidly become the most inept bank I've ever had the misfortune of dealing with. And I had been with them for XXXX years to this point. Something has changed and people need to be aware of it.
|
| 04/22/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
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Foreclosure Proceedings have been set for XXXX XXXX, XXXX and I am trying to prevent this Foreclosure as the bank has not followed through with what we have agreed that I will obtain new Financing to remove them from the note and they will not work with me. Please contact me with what ever you need from me for documentation as I have a substantial amount of information/documentation and can provide whatever you need. I had filed for bankruptcy protection in XXXX of XXXX as the Bank of the West filed for foreclosure at that time. XXXX/my attorney at the time agreed that we should have the case dismissed and this would allow the new bank I currently am working on refinancing ( XXXX XXXX XXXX XXXX XXXX ) ( new Bank ) to remove them from the SBA guaranteed loan. I/we have followed the protocol as outlined by the bankruptcy judge and have continued to make the monthly payments of {$2600.00} of which they mailed XXXX XXXX, XXXX payment back to me stating that they have already filed for foreclosure of XXXX XXXX, XXXX. AgainI have made payments as outlined in the bankruptcy proceedings and have made them prior to the due date. Besides what is listed above XXXX has further requested the following:1. ) XXXX has asked them for all of the Financial back up including what they claim to be in arrearage.
2. ) XXXX has asked to set up payment arrangements once we have received the financial information ( again to no avail ) 3.why would they contact my Investment property owned by me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX ) which has a Tenant living there. The tenant whom received a notice to vacate the property prior to the foreclosure sale of XXXX XXXX, XXXX has XXXX young children and is a single mom now has severe XXXX over this. This property deeded to XXXX XXXX XXXX has a lease agreement with the tenant whom was unaware of all of this.
4. ) XXXX/I have asked for a full accounting detail break down of the account since it inception to assure that funds have been properly applied.
5. ) What XXXX has received is very vague and I am not sure how a loan that shows a principle balance of XXXX XXXX round figures ) and a maturity date of XXXX XXXX could now be stated ( according to what vague we got XXXX {$31000.00} how can the loan go up from XXXX to XXXX????
6. ) Does this stop stop the foreclosure process until this matter can get resolved and or the financing can get put in place and remove them?
I do intend on filing with the Consumer Finance Protection BureauRespectfullyXXXX XXXX XXXX
|
| 05/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Today ( XX/XX/2020 ) I used Bank of the West 's ( XXXX XXXX subsidiary ) website and used thier online functionality to make a loan payment. This web page has an " upcoming payments and transfers '' section, so I checked that section after scheduling the payment. It did not appear. So I figured I missed a button, and I re-did the payment. Again, it did not appear in the " upcoming payments and transfers '' after completing the process. Then I get two rapid-fire emails on my XXXX account, both in the same minute and both with the exact same text and payment details. Neither had any unique confirmation number so there was no way to tell whether I just got the email twice or if I had completed two payments. So then I called customer service and the first representative stated I'd have to wait until the payments posted to cancel one of them. Then he transferred me to someone else who stated he couldn't see my payments and then he tried to transfer me to another representative, only to disconnect the call. I called back again, the first representative explained that when you use a non-Bank of the West account to pay, the upcoming payments and history pages on the website will not show those payments. Then I was transferred to another department because I insisted that payments work in files that are processed overnight and they must provide a way for me to cancel the extra payment done in error before it processes and comes out of my bank account. The final outcome was that there was no way that they could cancel this extra payment so I have to wait and ask for a refund - or try to stop payment with my bank which is unlikely since I have no transaction code information ; I can't afford for them to take this extra money out of my checking account. Bank of the West needs to have the same functionality that every other bank, credit card company, and frankly even the garbage company has - the ability to schedule and cancel scheduled payments prior to thier processing. And to get a decent confirmation of a payment that has a confirmation code that is unique for every payment. Thier process is confusing and unreliable and confusing. The last agent told me they had updated thier payment website in XX/XX/2020 to no longer use an external biller process to take the payments ; this update to use thier own internal process and website has these gaps in functionality that make it impossible to verify and cancel payments on thier website, or even see the history of payments you've completed on thier site.
|
| 09/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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On XX/XX/XXXX, my son asked me to co-sign for an RV. I agreed to co-sign and completed an on-line application going to XX/XX/XXXX. XX/XX/XXXX Finance Manager was going to review my online credit application and work to get my son and I approved.I submitted my online application to reflect that I am working as an XX/XX/XXXX making only $XXXX per month, $XXXX per year. I was unsure how I would aid in financing as a co-signer with limited income, but did it anyway to support my son.I learned from my son that we were approved. I was quite surprised, but thankful to support him. On XX/XX/XXXX, I traveled to XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX, FL. I learned late in the day that the co-sign was not possible that I would be the sole borrower. I went into total shock as I was told by my son that it was a co-sign. The RV Finance Manager had never spoken to me, texted me, arranged a conference call or emailed me to inform of this change. I only make $XXXX a year and could not understand how I was approved for a loan that is over $XXXX per month. I was in a mental state of XXXX and shock and did not make logical sense. The finance manager did not go over the paper work, but had me sign in my distress. When I returned home to XXXX, GA, I received a copy of the contract to learn that my loan had been approved with false income. The online application that I submitted was confirmed by the VP of XXXX XXXX XXXX, XXXX XXXX and proof of my submission sent to me via email. I have it attached to the complaint. XXXX stated he would work with the bank to reverse the loan and we would work to return the RV, obtain back the $XXXX downpayment and he was holding my son's trade in XXXX XXXX van with the wholesaler he had sold it to. After XXXX worked with Bank of the West to attempt to undo the loan , they stated that they would not reverse. I continued to work with XXXX with no resolution.I am a victim of a form of identity fraud, lending fraud and now have a XXXX debt that should have never been approved by the bank. I was intentionally blindsided by the XXXX XXXX XXXX They never briefed me on anything and only worked with my son and his ex-wife. The bank should have audited my online application and confirmed the income to be valid. Someone changed my gross income of $XXXX per month to be $XXXX net income per month. I am unsure who was responsible for this, but XXXX XXXX XXXX did confirm that they terminated the Finance Manager for the wrong doings in this sales transaction.
|
| 08/11/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I opened an account online with BOTW based on a promotion they had : {$150.00} incentive. The process seemed easy enough, with the exception that their system would not capture the " XXXX '' for my address. So, I went ahead and added " half '' to the second part of the address. Everything was fine. I received notification that I should receive my account information within the next few days. I called to get my account information to setup my direct deposit, but was not able to get it over the phone and was directed to visit my local branch. I went to the branch and requested my account information. To my surprise, the teller retrieved my information and gave me my full checking account and debit card number without requesting any sort of identification, just me providing my SSN verbally. I tried setting up my online banking and got an alert that they needed to verify my information for security reasons. I do n't understand, I was able to walk in and get my information without issue and without showing any validation that it was me asking for it, yet I was not able to set up my online banking? I called and expressed my concern and the representative was not very helpful, so I asked to speak with a supervisor. The supervisor seemed to not even care that there was a flaw and simply stated, " allow 48 hours for your XXXX to be setup. '' The following days I got an email saying they could not set up my online banking for security reasons and to call in. I called and the rep said it was because my address was missing the " XXXX '' and fixed it. I told her I have yet to receive any information for my account nor my debit card. She assured me it was mailed to me and I would receive it within the next few days. Wednesday ( XXXX ) I called and inquired on my card, it had been more than a week - mail no longer takes that long. The representative seemed confused from the getgo. I asked her to please confirm where it was sent to and read my address verbatim. Out of curiosity, I asked my neighbor if she had received my mail - to my surprise she had my debit card and pin mailer. Someone other than me received my mail because of your error. Imagine this person was not honest? I would have been out {$100.00} because of your error. Not only did your bank fail to safeguard my funds and act accordingly, but delayed access to my funds. This is ridiculous! I 'm a new customer and already experienced poor customer service, misinformation being provided, and possible breach of my account/personal information.
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| 01/16/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I made a deposit on the mobile app with some money orders. The deposit went through and I want online the next day to check my balance, only to find I couldn't log in to my account. This was both on the mobile app and the website. I called in to the 1-800 number and was told they can't give me any information about my account and I need to go in branch. I was planning on doing most of my banking with the app and the ATM since the bank has limited hours, but I had some time in the middle of the day to go in-branch.
At the branch I walked into, they said there was fraudulent activity on my account and they locked it for my safety. They said my balance was significantly lower than the amount I expected. I was then told that the branch I walked into wasn't my home branch and I needed to go to another branch ( that I had never been into ). This initial news had me worried.
At the second branch, located in XXXX, Washington, I was given the runaround, no one could provide me any useful information and finally one employee was able to tell me that the fraudulent activity was the mobile deposits I made to the account. Since when is adding money to an account fraud? Bank of the West advertises all the time about their mobile deposits, adding insult to injury every time I see it.
I asked the bank if the money orders are valid and they said they're not sure. We had to call up XXXX XXXX to find out they are valid ( an idea I had ). Meanwhile, my money was in limbo during the holiday season and I was planning on using this money for some XXXX gifts. I then asked the bank how to deposit the money orders and the clerk was clueless, saying I need to clear the fraud ( which wasn't actually fraud ) on your account. Finally, I suggested depositing them into my XXXX XXXX XXXX account ( a bank I was looking to switch from ) and she agreed.
I then planned on closing my account due to my lack of satisfaction in this experience and the fact that nearly a month later I still couldn't access the website. Unfortunately I got a letter from Bank of the West yesterday saying we are closing your account and we don't have to provide you a reason. This is likely because of the complaint I filed on their website and the poor review I gave on their surveys. I don't understand how a bank can retaliate against their customers like this just for depositing a money order on their mobile app. I was looking forward to using their more convenient locations, but unfortunately this business has left me no other choice.
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| 07/19/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
Older American |
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On XX/XX/XXXX my husband and I refinanced a motorhome with XXXX XXXX XXXXfor the amount of {$97000.00}. Soon after, XXXX sold our loan to Bank of the West. My husband and I divorced in XXXX XXXX, and in our formal marital settlement agreement he kept the motorhome and Bank of the West took an active role in changing the registration and title into his name only. However, my online access to the account remained active, and I saw that for 7 1/2 years there was never a missed or late payment.
Suddenly in XX/XX/XXXX, I received an alert on XXXX XXXX of derogatory information on my credit report. I investigated enough to find out that Bank of the West indicated a default and repossession. I was shocked, as the payments were still completely up to date. I can not be in communication with my ex-husband for my own safety, so I attempted to get information from Bank of the West, who at first would not give me any information. After numerous attempts, I finally reached someone who advised me that the motorhome was repossessed and had already gone to auction! I asked why I was never advised before this happened, and they claimed they didn't have my information. This is clearly a lie, as every document they produced had my correct address, and they also verified a correct phone. They then told me they would send me an explanation of deficiency when it was prepared. I advised that I would have taken over the payments to keep the motorhome, had I been contacted, but it was now too late.
I never heard any more from Bank of the West, but on XX/XX/XXXX, I received a demand letter for {$33000.00} from XXXX XXXX, a collection agency. When I wrote back to XXXX XXXX requesting evidence of this debt, I was sent documentation indicating that Bank of the West basically " gave away '' this {$60000.00} motorhome at auction for {$26000.00}, and now will sue me for the {$33000.00} balance owed. In that same documentation, Bank of the West indicated my correct address on every page, yet they mailed both the Notice of Plan to Sell Property and the Explanation of Deficiency and Demand for Payment to some XXXX XXXX XXXX XXXX, Florida. I never received any information on this, yet the collection agency seemed to find my correct address with no problem.
I am a XXXX senior on social security now being victimized by this bank, who sold this property they claim is my responsibility without allowing me the opportunity to claim it, and now is demanding XXXX XXXX XXXX of dollars for something I can not own.
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| 04/06/2016 |
No |
- Bank account or service
- Checking account
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Web |
Older American |
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I was the victim of a scam/fraud on my bank account XX/XX/XXXX. I notified the bank as soon as I was aware of it and before they notified me. Instead of treating me as the victim I was I have been treated as the perpetrator. They froze my bank account even though I let them know that my only source of income was coming in which was my Social Security check. They let me know that they would be taking out the complete amount of what they said needed to be returned to the bank from the fraud which would leave me only {$450.00} to live on for five weeks until my next check. I was also told that since my account was frozen NO money could be taken out even by me.
When I requested that my account be closed and my balance sent to me I was told that the balance was only {$100.00} because the teller that was handling the case authorized XXXX bills that came in after the account was frozen. How can an account that is FROZEN be used at the tellers ' choosing without notification to the account holder?
I have had many lies told to me such as that the Area Manager of the XXXX XXXX was going to go to the branch personally and close the account and have the check sent to me by XXXX since I have NO money to live on. No check arrived. I called the branch again and the same teller said that when she went into close the account and send me the check she found that the account had been closed supposedly by Corporate Security and a check sent. However, despite me changing my address the check was sent to my old address which will have to be sent to my forwarding address then to me. I was accused of telling Corporate Security to close the account, by this same teller which I denied. I have been treated very bad verbally by this teller, had phone calls not returned by her boss at the branch, calls not returned by the Corporate office person I 've been working with and a lot of promises made and told a lot of lies. I still have no money. My money is being kept away from me and no one seems to be able to give me any answers about the fraud case or how to get my money back. This bank has even said they have very little experience with this type of thing so was n't sure what had to be done. It 's called Policy and Procedures. Needless to say I will never use this bank again.
Due to this bank not giving me my money I have had to contact Social Security and stop Direct Deposit of my checks because I ca n't open an account since I do n't have enough money to do that to get Direct Deposit of my checks.
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| 10/19/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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Bank of the west is charging me out of the air and their explanation is that they do not know how they get their figures.
# 1 Bank of the West costumer service in real estate dept. is clueless about the problem and they not willing to correct it.
# 2 their accounting Dept. is not communication at all to correct the issue and they turning blind eye on me.
# XXXX Bank of the west is throwing numbers out of the air with vague explanation of why the monthly numbers are not correct. I spoke to bank manager and the person agreed that nothing make sense, accounting does not make sense. I ask for them to audit their account to investigate their unfounded fluctuating fees and bank of the west said they will not do it. Here are the issues : I had a HELOC account for about 2 years and on XX/XX/2020 I applied for emergency disaster forbearance. I was on forbearance for 3 months and and my end date was in XXXX of 2020. I communicated with bank of the west and asked what is the final amount to pay for the 3 months of forbearance so I can catch up and get to normal chargers. They said {$1800.00}. I paid {$1800.00} in XXXX XXXX see image In XX/XX/2020 I get a bill for {$480.00} and I paid it thinking by now this is correct and account is back to normal.
In XX/XX/2020 I see my account online about {$900.00} was due. I called and asked what is this high fee for and the reply was that is the remaining balance for the forbearance. After XXXX days Bank of the west corrected it to {$170.00}. Which did not make sense and they did not give me explanation what is {$170.00} is for. I paid {$170.00} to satisfy this bank. By now I started to suspect that Bank of the west playing scam games or fraud charge tactics.
In XX/XX/2020 I get a bill for {$520.00}. I paid it In XXXX I get a bill for {$400.00}. I called Bank of the west asking why is XXXX bill {$520.00} and XXXX bill dropped to {$400.00}. Bank of the west answer was that XXXX bill has some remining balance of the forbearance. At this point I HIGHLY SUSPECT Bank of the west is XXXX me as we confirmed in XX/XX/2020 the payment of {$1800.00} was the final bill to end the forbearance and this bank scamming me. their accounting does not make sense at all. AND I AM NOT CONFIDENT THAT THEY BEEN CHARGING ME CORRECTLY SINCE I GOT THIS HELOC.
I checked some past recites and again I see high and low accounting charges. I want this bank to be audit since opening HELOC ACCOUNT to date, specifically my HELOC account
|
| 11/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I obtained a boat loan in XXXX of 2017 through Bank of the West ( BOW ). Never missed a payment. In XXXX, when the pandemic started, they started a loan assistance program where i could defer my payment for three months and extend the loan terms for three months, with the understanding my principal balance would still accrue daily interest during deferral period. Three payments were deferred, XX/XX/17, XX/XX/17 and XX/XX/17. I resumed my payments on XX/XX/17. My XX/XX/17, XX/XX/17, and XX/XX/17 were all applied as one hundred percent interest and zero to principal. I have disputed this with Bank of the West as this was not what was verbally explained to me on a recorded phone call. I initially reached out to BOW on XXXX with regards to this matter and all they could say was this was correct. I wanted a recording of the call and they said they would research and make it available which they have yet to do. I asked for an updated amortization schedule proving the interst had accumulated and they have not provided. I have had 11 email correspondence and four phone calls with a total wait time on the calls of over 2.5 hours. Here is my last correspondence where i had to manually calculate the interest and show them they are wrong. I need help as they are very slow to respond and are not willing to provide the necessary help in order to correct this matter.
Based on what I have researched. If you are telling me my loan accrued daily interest for the three months with the principal balance being {$22000.00} at the time I accepted the deferral program, with my interest rate being 5.74 %, my daily interest should be calculated at approximately {$3.00} per day. If I deferred payment for 90 days, my interest accrual should be approximately {$320.00}. I resumed my payment of {$210.00} on XX/XX/17 and 100 % went to interest. My XX/XX/17 payment of {$210.00} was applied as 100 % to interest. My XX/XX/17 payment of {$210.00} was applied as 100 % to interest.
By my calculation, that is {$640.00} that was applied straight to interest from XXXX. This is NOT correct. I only accrued {$320.00} in interest. I need someone to spell it out. I am also tacking on three deferred payments on the back end of the loan ( as YOUR attached email describes ) so the amortization should have evened this out over the life of the loan, not on the front end after the deferred payments. I do not understand this and I should not be the one having to figure it out.
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| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I started the process to refinance my home mortgage on XXXX. I have my current mortgage with Bank of the West and have had it for probably twenty years. I am going through Bank of the West also for the refinance. The first loan application was emailed to me on XXXX. The load officer is XXXX XXXX XXXX # XXXX. Thirty days passed and when I called XXXX to ask the status of my loan he told me that application had timed out and he needed to resend the exact same file so I could resign it. The application he sent had several increases in loan costs for me and I questioned these. He then admitted that the original values were incorrect and that is why he submitted a new loan application on XXXX. He lied and said the first application had timed out over thirty days but in reality he held on to the application because of his mistakes. After arguing with him he finally submitted a third loan application on XXXX for me to sign through email. There are still values on that application that are not correct and he has told me they will get straightened out. He is charging me a refinance fee to correct his mistakes. I argued with him and said I should not have to pay for his time to correct his mistakes and he said if I don't sign the application I will not get the loan. He sent me a Loan Disclosure form supposedly with the final numbers and there are still mistakes. I do not get anywhere with him when I speak to him on the phone or through emails. I am livid with the fact that it has been over 14 weeks since I started this process and it still is not done. The loan application was only good until the date of XXXX which has passed. XXXX said that date can be extended by I believe he is stalling on purpose. All of our conversations and emails are recorded and I want some kind of assistance to get him reprimanded for the lies and deceit. On XXXX the loan processor XXXX XXXX called me and I complained and told her I was going to file a complaint against XXXX XXXX. I am sure he has heard this and now I am being ignored and doubt my loan will ever get processed. Every time XXXX calls she asks for information that I have already given her or XXXX and sometimes I am asked two or three times for the same information. I need help from someone who can review all the paperwork and telephone recordings and emails and get this process done. I am getting physically sick from the extreme stress and incompetence from XXXX XXXX. Please help. Thank you.
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| 08/30/2018 |
No |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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I opened a Bank of the West checking account online because the Company offered a {$150.00} bonus for any new checking account customer. The online banner never mentioned a code that needed to be entered with the application. Once I clicked on the link, it took my information and told me I had successfully opened a new checking account.
The account was opened in XX/XX/2018.
I initiated direct deposits from my employer to my new BofW checking account. I also completed the ten ( 10 ) qualifying debit purchases before XX/XX/2018, as required by the online marketing materials. I also called the Bank before XX/XX/2018 to ensure that I had met all the requirements. I was assured multiple times that I had met my end of the bargain. I was told to sit tight and wait for my {$150.00} bonus to get processed.
I called the Bank in late XX/XX/2018.
I was told that my {$150.00} bonus would likely be paid on or around XX/XX/2018.
Once that date passed, I continued to call and they explained that they were undergoing delays with this marketing campaign.
In XX/XX/2018, I was told that my {$150.00} bonus would likely be paid by XX/XX/2018. That day passed, and they told me that any further inquiries would need to be handled directly by the XXXX XXXX, CA branch.
I have never been to the XXXX XXXX, CA branch. I live two ( 2 ) cities over and apparently was assigned to this branch, though I had opened my account online. Had I been given the option, I would have selected a branch closer to my work, where I do most of my banking.
In midXX/XX/XXXX, I was told that XXXX at XXXX XXXX said that my online application never included a promotional code and as such I was not eligible for my {$150.00} bonus. She told me that only the Bank of the West XXXX XXXX XXXX XXXX could waive that requirement.
I called the XXXX XXXX XXXX and I spoke with someone at Bank of the West who indicated that the XXXX XXXX XXXX did not want to speak with me. They sent me back to XXXX XXXX, CA and stated that the branch had to decide whether or not to waive the online promotional code violation.
It's now almost XX/XX/2018 and I keep getting the runaround.
I last spoke with XXXX at the XXXX XXXX, CA branch and she told me that because I had complained, she could no longer address my concern.
What is a U.S. consumer to do when a bank like " Bank of the West '' doesn't honor it's own marketing materials for opening a new online checking account?
Please advise.
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| 12/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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|
Web |
Servicemember |
|
I have been making payments for this RV for almost a year now using auto-draft. On the month of the 1st full year making payments, my auto-draft feature turned itself off. I originally had it set up through Bank of the West 's application. When I called them the first time, I was on the phone with XXXX, an XXXX XXXX XXXX, they told me I had not used bank of the west for auto-draft. They suspected that I used my XXXX bank to set up payments, which again I used the application their bank provided. They couldn't help me try to figure out how the feature turned itself off in the first place. It was originally set up to be taken on the XXXX of each month and my billing statements all support that. However, now that it was 6 days past due because of this, while on the phone with the first representative, I opted to pay a {$5000.00} to the account. I received confirmation number XXXX on the XXXX of XXXX at XXXX central time. He also helped me set up auto-draft through Bank of the West at that time. The next day I made a smaller payment to send a payment with a faster authorization time to show the account current. Since it was Sunday, I scheduled it for Monday. Monday comes and it did not get authorized nor was a confirmation email sent. I called customer service again, this time speaking to a XXXX. She also said that she couldn't understand how the auto-draft feature turned itself off. That only the customer can do that. I assure anyone, I would not do that. It was working flawlessly before. Again I was told I must've used my own bank, which was incorrect again. Then I was told XXXX was the one making the payments. I only used their application. If they can't see who they use to process their own electronic payments, and make their customers feel afraid for their credit score, how can I continue to be a banking customer nor want to expand their own specific services? I only used their online website and application. My account is showing late and no matter what form of payment I try whether online or through their application, it does not work. I tried again while writing this complaint at XXXX central time on XX/XX/XXXX ; nothing. I'm almost reaching the 10 day grace period for this payment and I can already hear and see the automated debt collection response I will receive. I'll probably talk to someone who wont know that I have been trying since the 1st day of it being late, that I have been trying to pay it.
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| 11/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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In the past year, i been struggling due to the Covid 19 hardship. I have not been able to keep a job since the Covid hit in 2019. The company did help me when the covid first hit, but refuses to help me any further. I have been unemployed for the last 4 months. Worked some side jobs as i was able to to make ends meet when i could find work. I just finally found work but i just started. The company is trying to report in accurate information to the credit bureaus. My payments are due on the XXXX of every month. I just paid XXXX which they will end up getting by Tuesday, or Wednesday the latest. So in reality, my XXXX payment is not 30 days past due yet. It will not be late till after XX/XX/XXXX. They are claiming i am 60 days past due and reported my XXXX payment, and my XXXX payment delinquent! They are also claiming i owe for XXXX. My profile is showing that i owe for 3 months, XXXX, XXXX, and XXXX. I do not owe for XXXX till the XXXX! They need to fix my account page to reflect this. They also need to change my credit reports so its only showing me 30 days past due, not 60 like it is stating. The credit reports only show 30, 60.90.and 120 days past due securements. You can not jump ahead and tell the credit bureaus that i am 60 days past due when i wasn't! This is illegal! They only are allowed to report XXXX payment late since that is 30 days late. XXXX payment is not considered late till after XX/XX/XXXX. This company isn't just hurting my credit, but also my girlfriend 's credit since she cosigned for me. I take this very seriously. Its not my fault that this company has no heart and refuses to help me in this difficult time! I am doing my best to get work and keep it, and to pay all my bills in a timely manner. I am going to be filing for bankruptcy, and am trying my best to keep this account out of the bankruptcy, so it does not effect my girlfriends credit. I will not be using this bank again after this! Does not care about their customers in this difficult time! They only offered me 2 deferral periods, no other options in helping their customers like other banks do like unemployment insurance when loosing a job, or lowering your payments for 6 months. Nothing else was ever offered to me. They need to fix my account and credit reports to show i am only 30 days past due, not 60! I am planning to leave an online review about my experience of how i am being treated so others can avoid this bank!!!
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| 04/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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I have been banking with Bank of the West for the past 4 years, never had an overdraft or any other negative activity on my account, I went to the bank provided them with 2 forms of ID changed my account type from starter to any-deposit which is their normal account type. They asked about my citizenship, inquiring which country I had a second citizenship with, while I have SS number and my real CA id presented to the Banker. The banker acted as if she was an ICE or IRS rep not a banker, I was shocked and offended but I answered questions and at the end I asked 3 time were all things in order bc I was sent a letter asking me to go into a branch an verify my Identity which I did 2 weeks ago, I was told all was ok and My bank account is in good standing. I asked my account wont be closed right and was assured it wouldnt be. Yesterday on XX/XX/2021 the bank in fact did close my account and did not inform me of their actions. I went grocery shopping and my card was declined, I was humiliated, I looked at their banking application and it showed my entire balance was debited without my knowledge without an indication of what had happened. I called and spent an hour on hold waiting for customer service to answer, was told a branch location in XXXX California, the original one which I had opened the account in, had closed my account and I needed to go to that branch and find out why, and try to get access to my {$3000.00}. I went today and was told very rudely that the bank doesnt have a manager that I could speak with! I was given a false main number to their bank back offices, I called and it was in fact the same rude teller who picked up and told me to call their 1800 number. I called that again today and their call center says I need to deal with the location branch! I asked if they could expedite my money to me faster and was denied that as well! They have send my money in regular mail, which takes 7-14 business days! I have rent due and other payments without access to my own paycheck which was automatically deposited as it always has been for the past 4 years! I do not see any other reason except for my race and my citizenship that this bank and its personal have taken such an action towards me! I believe deeply that the Bank of the West has discriminatory policies towards members like myself who are not natural born citizen because of the fact that they asked for proof of my citizenship!
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| 10/17/2017 |
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
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
This is regarding violations of the FCRA by Bank of the West, in their capacity as a furnisher and user of consumer information. Briefly : The bank generated an erroneous XXXX score that does not match with the contents of my consumer reports, made adverse decisions based on false information, and failed to correct this information.
Details : In XXXX XXXX I applied on-line for a checking account at Bank of the West, in response to an advertised promotion. The application was declined twice, citing consumer reports from XXXX and XXXX XXXX.
This was surprising and unexpected, since my credit history is excellent with XXXX negative items, and I had never been declined for a deposit account by any bank before. I reviewed my reports from both XXXX and XXXX, and found them both to be spotless with XXXX negative items.
I had several conversations with agents of Bank of the West XXXX hereafter referred to as the Bank XXXX, including their XXXX office. I presented the complete and detailed consumer reports from XXXX and XXXX, pointed out that they contain XXXX negative items, and requested a manual approval of my application. The Bank claimed that they can not consider these reports, and they only go by the 'XXXX XXXX ' included in their original letter of denial.
The Banks letter of adverse action contains a XXXX score of XXXX, a very low score that does not match with my consumer reports. Considering that my XXXX score is XXXX and none of my consumer reports contain any negative or derogatory items, a XXXX score of XXXX has to be an error. The Bank first claimed I had to dispute this with XXXX. I did so, and XXXX claimed it is not them but the banks who generate XXXX scores.
So it appears that Bank of the West had generated a false XXXX score, and made an adverse decision against me based solely on that erroneous score, without considering the actual contents of my consumer reports. This adverse action now causes a continuous negative impact on my future consumer reports. Despite my repeated requests to correct this score and remove the erroneous entries from my consumer reports, the Bank has refused to take any corrective action.
I am attaching my most recent correspondence with the Bank, which explains the problem and my requested resolution in detail. If necessary I can provide additional evidence, including prior correspondence and my full consumer reports. Thank you.
|
| 10/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
I initiated a home loan in XXXX 2015 with a closing date of XXXX XXXX, 2015 with Bank of the West. The first closing date was extended due to the Appraisal department of Bank of the West accepting a turn in date for the documents two days before closing. The next closing date was cancelled and the loan objected because they were unable obtain Mortgage Insurance for not providing sufficient comparable properties.
I have listed the following issues I have experienced below : - Our loan processor rarely called or emailed us to keep us in the loop of our loan. I was rarely successful in contacting him when I attempted to call.
-The realtors and myself were lied to by senior processor XXXX XXXX when we asked for an explanation of why the appraisal took two weeks to get back to the bank. I called the appraisal company and asked why it was taking so long and they stated " Someone from the bank called and said the documents were agreed to be delivered on XXXX XXXX, 2015 ''. XXXX XXXX emailed all parties involved and stated that it was the Appraisal company that changed the date of acceptance, ( When in fact, it was XXXX XXXX in the Appraisal department of Bank of the West ).
- The loan processor did not get approval from myself to order a " RUSH '' document processing fee based on their mistake in ordering a document late. A non rush document fee is significantly less and was not shown on the signature form they sent me and was ONLY necessary due to their last minute performance.
- It came to our attention in more than one occasion that all of the people that were involved in the processing of our loan do not work on Fridays nor have contingency for calls or document handling in the event of their absence which was not told to us when the loan was initiated.
- The loan processor stated in email the an ILC, ( improvement land certificate ) would not be needed and ended up charging me for it anyways stating, " It 's a titling thing '' in contrast to an email conversation we had prior.
- Was called in the beginning of the processing by an alternate agent who interrogated me as if I were some rogue.
I feel that clearly what Bank of the West of XXXX has done has shown a repeated unprofessional nature and specifically a Failure to Perform/Breach of contract on my loan and wish to be compensated for the fees, charges and time that I have lost as a result of their failures.
|
| 01/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
I received the attached letter from Bank Of the West ( BOW ) on XXXX Tuesday, XX/XX/XXXX. The letter threatens to close my accounts if updated contact information is not provided.
My XXXX XXXX of my account and contact information shows it to be current.
I have spoken to the person referenced in the letter, XXXX XXXX ( XXXX ). XXXX had no information and knew nothing about the letter. XXXX referred me to the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX ). XXXX XXXX knew nothing about the letter. XXXX XXXX stated that he would have the regional XXXX XXXX XXXX ( XXXX ) call me that day ( Wednesday XX/XX/XXXX before XXXX ). I received no call from XXXX and to date have received none. I was provided contact information for XXXX XXXX ( XXXX ) who is said to be XXXX ' supervisor. I called XXXX ( XX/XX/XXXX ) left a message describing the situation and to date have heard nothing.
The letter ( attached below ) states that my account will be closed XX/XX/XXXX if I do not contact the Bank.
A very similar letter was issued to me a couple years ago. I was able at that time to speak with XXXX. XXXX stated that the bank had issues with my banking withdrawals, but refused to elaborate or explain their issues. During the conversation with XXXX, I suggested that some of the BOW questions regarding my banking transactions seemed to be XXXX driven as the transactions in question were for both XXXX names, XXXX being " XXXX '' and XXXX being " XXXX '' while regular transactions of " XXXX '' " XXXX '' and " XXXX '' were not questioned at all and were of lesser amounts. When I suggested to XXXX that this appeared to be some kind of XXXX XXXX, she became very agitated and stated that our conversation was over and there was no XXXX XXXX for my complaint. The closure threat was terminated with no explanation, or apology or further contact from the bank.
The bank states in the letter that they were " ... ... ... .unsuccessful in our multiple attempts to contact you .... '' I received no notices from XXXX, they have my phone numbers and my email address.
I am so frustrated that a " legitimate '' financial institution can/would issue a letter that no one in the organization has any knowledge about and there are no notes attached to my accounts. AND there has been no response of any kind after I am sent a letter threatening to close my accounts.
XXXX XXXX
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| 07/09/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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Here is what happened : they have refused to deposit this cheque, and refuse to credit my deposited cheques.
to XXXX., XXXX.
Here is the email to XXXX it is very explicit in its instructions. Instead of following these or making any attempt to cooperate, XXXX calls me and REFUSES to let me speak. That is beyond aggravating and does not help anyone. She refuses to give me her suoervisors contact, and wonders why I am upset! I have been treated extremely poorly by your bank. And XXXX was rude, hostile, aggressive and condescending. All woukd have been avoided if she had taken the 5 minutes needed to simply READ my email.
I have now spent 6 hours of my time on the phone attempting to receive my own money.
-- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : XXXX XXXX, 2015 XXXXSubject : Fwd : Very upset.
To : XXXX Cc : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : XXXX XXXX, 2015 XXXXSubject : Very upset.
To : XXXX Cc : I opened up a Bank of the West account about a month ago and have had a lot of trouble getting access to my money. For example a check that I deposited two weeks ago is still debited from my account declared " uncollected '' ... this is a very long time not to cash a check.
Today in the grocery store I was unable to buy groceries. I called the number on the back of the card but nobody ever answered.
I called XXXX at the branch I had opened at and she said the card was working fine. I explaind to her that I could not make the purchase.
I was in the store over an hour and my card never worked.
XXXX called me back and was very unsatisfactory, not apologizing at all, and not answering my questions or letting me speak.
I called customer service. he put me through to XXXX who only said that my card is working fine even though I told her that its not. Her she said she would give me a direct number if I had any other problems but she did not give it to me.
I have a cheque coming in of XXXX. I trust you will not hold these funds for ver 2 weeks like you have been holding on to my other checks. As soon as it is cleared I want you to notify me immediately so I can come in and take all my money and close my account. As clearly you do not want me as a customer mPlease verify that you have received this email, and will notify me the minute that the check is clearedmThank You XXXX XXXX
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| 08/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The following are the facts of my case and the undisputed reasons I should have received funds for my billing dispute with Bank of the West using my MasterCard Business debit card. I understood Bank of the West has included their terms and conditions for their reasoning for declining my disputes, however per Mastercards billing dispute rules Im obviously covered and have a right to dispute the presented charges on my business card. I have attached a portion of Bank of the Wests website which clearly states my business card is protected through MasterCards guidelines and benefits. MasterCard states very clearly that I have a right to dispute charges under the premises credit not received meaning the merchant promised credit however they did not issue such credit. Under Mastercards guidelines Im allowed to dispute charges up to 120 days from all dated material, meaning not from the transaction date and not from Bank of the West disclosures, but from the date I received an email stating the merchant would refund my account. I have attached two emails from XXXX XXXX and XXXX XXXX from Bank of the West clearly showing that they did process business disputes that were past their terms and conditions because these disputes fall under Mastercards guidelines. I have also attached an email dated XX/XX/XXXX from XXXX XXXX of Bank of the West that clearly states that all transactions that were present to her would be processed. Mastercards guidelines also clearly state all material use to dispute my disputes be sent to me, Bank of West has failed to send me this material.
I have attached a video that references both the CFPB, MasterCard, Fair Credit Act and disputes XXXX XXXX XXXX XXXXXXXX.
In conclusion, its very clear that it was agreed and stated by XXXX XXXX and XXXX XXXX that all transactions would be processed, the attachment from XXXX XXXX showing that business transactions that were in XXXX and XXXX of XXXX were processed because thats what the agreement was. Its also clear that Bank of the West uses MasterCard for their services so Im absolutely within rights to dispute. Under government rules and MasterCards guidelines Bank of the West still has {$42000.00} in outstanding disputes to process. As of XX/XX/XXXX, Bank of the West arbitrarily closed my account without reason and has caused even more financial harm.
Sincerely, XXXX XXXX
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| 11/06/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Hi there, I had purchased 6 plane tickets between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX which I thought I was using my XXXX XXXX credit account and then I realized I was using my XXXX debit card which was linked to my Bank of the west account and I had no money on the XXXX credit so all the charges started going to the bank which I had almost XXXX in the account but not enough to cover the total cost of the tickets. While this is going on I am also disputing 4 charges XXXX, XXXX, XXXX and XXXX. The dates were wrong on the tickets which were XXXX and XXXX and the XXXX XXXX charges are for credit that I thought was being deducted and I was going to be given credit but they charged me XXXX each ticket which is also in dispute. My ending statement for XXXX XXXX was positive XXXX. Now my statement from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX I had a balance of XXXX and I was charged XXXX in overdraft fees. I called the bank and explained to them what had happened but they did not offer me any help and their fees on my statements just say fees for different amounts without any detail.Now XXXXXXXX has been trying to collect their money from for charges that I made using my XXXX XXXX card which remember I thought I was using my XXXX when actually the XXXX XXXX went to my bank account to get the funds that were not there.They send in each transaction you make twice to the bank so I get a charge of XXXX each transaction that goes into the bank. XXXX XXXX said they would help with some of the charges but I do n't understand my new bank account did not give me any options when I called them about this. So this statement I am now at - XXXX because I had a bank wire that came through the bank which was supposed to pay my rent not overdraft charges that I am so far in over my head with and do n't know what to do.I do not remember opting in to the overdraft protection or signing for it. I really could use some help The bank has really drained my account with fees and not offered any help. I now also have a XXXX balance on my XXXX XXXX debit card which was XXXX balance before all this mess. I do not know what else I can do. I really need help around this. I think the bank has taken way advantage of me and should not be able to charge me all that money which I am now facing eviction for lack of money they took from me. Please help XXXX, XXXX XXXX XXXX
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| 08/07/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I have XXXX accounts with Bank of the West and I had a {$1600.00} hotel bill go through my checking account and posted online as XXXX XXXX on XXXX XXXX when it was no where to be seen on the XXXX. They are back to the old habits from the class action suit of taken the highest amount and moving it around to hit your account with the most fees. It should be just one fee for the {$1600.00} bill since I did n't transfer funds from one account to this one in time, but they shifted it to make everything else fail and left others pending to hit the following day. They would not have cashed a check and given me {$220.00} at the ATM on the XXXX if that bill had gone through on the date they claimed and I had a negative balance. The {$1600.00} bill just went through on the XXXX and the changed dates around on my online account for several items to make a killing in overdraft fees. I have been monitoring my account. Items that should have cleared days ago were then sitting pending so they can sock me again the following day. It 's class action stuff all over again.
When I tried to transfer funds from another Bank of the West account during the night to make sure I had enough in my main account so they would n't hit more overdraft fees, they stopped the transfer from happening for 6.5 hours when it has always been instantaneous since they offered online banking. Amazingly they hit me for another {$140.00} in fees and then allowed the transfer to take place. After complaining about {$280.00} in fees in 2 days that put the account negative again, they refunded {$35.00} and before I could deposit or transfer more, they took the {$35.00} back again for the day. {$310.00} for one transaction that occurred after all the others until they started juggling the dates and putting the largest one before older ones to maximize their profit.
If XXXX the accounts of people who have been with them for nearly 20 years is how they do business, they should be ashamed. I did a transfer this morning, XXXX XXXX, online before business hours and it happened immediately. Guess that 's because I already had a positive balance so their computer 's did n't automatically hold it up to get more fees like the day before. Their computer algorithms should be inspected by the government for the rigged game their bank plays.
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| 06/28/2017 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American, Servicemember |
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I am a widow and a XXXX veteran. XX/XX/XXXX - received preapproval letter from BOTW, found a new house, began loan process, sold my home as requirement to obtain loan from Bank of the West. Provided all docs as requested by BOTW, multiple times. Scheduled close on old home in Iowa was XX/XX/XXXX ; close on new house in Colorado was XX/XX/XXXX. On XX/XX/XXXX, received 3 calls from lender asking for more documents to be faxed, all docs previously sent. Late afternoon XX/XX/XXXX, receive call stating errors were made on the loan by the banker, and loan would be denied. She had mistakenly assumed my tax refund was a monthly income amount, and BOTW now decided I could n't afford the loan. They had literally months to confirm all income and catch any errors. Loaded XXXX in the drive ready to unload in new house. Received assurances that the issue was totally their fault and they would " make it right ''. Received new preapproval letter on XX/XX/XXXX to look for new house, as the first house specified must close on XX/XX/XXXX, so was unable to purchase. Arrived XXXX XXXX XX/XX/XXXX, loaded XXXX, XXXX sons, XXXX cats, XXXX dog, and myself. Advised by BOTW to find a place to stay, and they would expedite a new loan. Found new home on XX/XX/XXXX. Moved belongings into storage and myself into reasonably priced long stay motel. BOTW does not expedite, and in fact is not answering calls or emails from myself or my realtor. At the request of the realtor, I fired BOTW 4 weeks onto processing new loan. New loan closed new loan in 2 1/2 weeks. Due to this issue, I lost my entire savings. If had not HAD savings, I ca n't imagine what I would have done. I requested BOTW refund me the appraisal fee iao {$400.00} ( they did ), the inspection fee, the lost earnest money iao {$2000.00}, and the costs associated with losing the loan, a total of {$8500.00}. This amount includes housing, extra time on the XXXX, storage fees for my belongings, and boarding for my animals. I did not request reimbursement for gas to find another home or meals/groceries needed during this time. To date, I have received {$400.00} for the appraisal, and an offer of {$2000.00} if I will sign documents agreeing to leave them alone. We have exchanged numerous letters. They need to give me back the money lost due to their negligence.
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| 11/30/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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on XXXX I deposited a check into my business account. No hold was placed for this deposit. Later same day deposited another check into another business account, from same check account and was told hold would be placed. Later that day was told a hold would also be placed on original check deposit of {$1500.00} because bank said had information check would return form issuing bank. This was after deposit made several hours before with no hold. I then provided proof of funds to bank manager XXXX XXXX. He said would release funds on XXXX.On XXXX check still on hold. I then provided copy of front and back of check showing it cleared my account on bank letter head from issuing bank. XXXX XXXX from Bank of the West Said would not release hold. On XXXX sent proof funds and copy again of check on Bank letter head showing it cleared, no reply. On XXXX called Bank manager XXXX XXXX, said he could not release because back office had inside information about my account???. He also said proof funds and cleared check would not work. I then put him on three way call with issuing bank and they verified funds cleared on XXXX. Mr. XXXX then told issuing bank must send letter on their letterhead providing statement funds cleared. Issuing bank also told XXXX XXXX Manager of Bank of the West that TFCU does not verify checks via phone and does no know How Bank of the West got their information. So after four business days and three verifications on bank letter head proofs of funds where good and conference call. Bank released funds and and charged me retuned check fees and caused my tax payments to bounce knowing my funds where good from the very start. I feel I was charged fees when bank is at fault and valid verifications of funds where provided .I also feel i was discriminated against on personal level. I had to go beyond standard banking practice to provide proof of funds to get a check hold released. Bank of The West put my business at risk by not being able to make tax payments. They further had more than enough documentation x 3 showing funds are good and cleared. This is not the first time the have done this to me. It not standard bank practice to provide three separate verifications on bank letter head for proof of funds and payment.Not counting all the time, stress energy to be put into this
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| 10/31/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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In XXXX, I secured a manufactured ( mobile home ) loan through Bank of the West.
Besides the typical mobile home insurance required for my loan, I have been required to also maintain flood insurance.
This had never been of issue until XXXX when Bank of the West first informed me in XXXX of that year, they had not received the required flood insurance. I followed up immediately by having my insurance broker ( XXXX XXXX ) fax a new copy to the Bank of the West Escrow Department.
On XX/XX/XXXX, I received an email from Bank of the West ( dated XX/XX/XXXX ) they would be placing a forced plan on my loan. ( See Email 1 ) I immediately contacted XXXX XXXX and they followed up with another email to Bank of the West ( see Email 2 ). I also followed up ( See Email 3 ). XXXX also followed up on XX/XX/XXXX ( See Email 4 ) On XX/XX/XXXX I received notice Bank of the West HAD placed flood insurance on my loan. ( Scan 1 ) This time, I went to the branch where we originally signed loan documents in XXXX and spoke to the branch manager : Bank of the West XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX ( XXXX XXXX XXXX XXXX directed me to her Senior Relationship XXXX XXXX XXXX ( same office ) who took all my information and informed me she would get this resolved. Later that afternoon, XXXX phoned me and said everything was taken care of.
Until XX/XX/XXXX when everything happened again.
I contacted XXXX through email and received the following response ( email 5 ) When it appeared this was not taken care of and I was still seeing the increased payment on my loan ( from the original {$1600.00} ) to now {$1700.00} I sent another email. This time, XXXX replied back saying, It will adjust the next billing cycle which is XX/XX/XXXX. I guess we were too close to the billing cycle cut off when the changes were made. ( see email 6 ) On Monday, XX/XX/XXXX, I sent a final email to Bank of the West that it was still not corrected and that if I had not heard from the Escrow Company, I would be placing a formal complaint.
Which is what I am doing now 1. Bank of the West continues to not recognize I have the required flood insurance 2. Bank of the West is now deducting additional money for flood insurance I have already paid for 3. The local branch office has ceased communicating with me
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| 03/16/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Older American |
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To Whom It May Concern, Please may I request your help? I had a checking account opened with the Bank of the West for the last year, given the fact that it was the only national banking institution in a very small town in Iowa. When purchasing a home in the area, I was instructed by the XXXX XXXX XXXX to instruct my bank to set-up an ACH withdrawal monthly, to ensure the payment was made on time. Upon doing so, I personally went into the bank on XX/XX/XXXX and spoke with a teller directly. I specifically put in a telephone call, when in the bank to clarify my routing and account number with XXXX XXXX.The teller representing Bank of the West. The teller argued that the XXXX XXXX XXXX had the wrong routing number and insisted that the number that she relayed was correct. The payment never posted to my account and I was reported 30 days late to all three credit agencies. Company policy with XXXX XXXX is that if a payment is returned, they will not attempt the next monthly payment, therefore reporting a 60-day late notice to all three bureaus again. I was not aware of this until after the fact. I immediately contacted the Bank of the West and they claimed that the fault was placed on XXXX XXXX. I consistently telephoned the company daily until I finally spoke with the one supervisor named XXXX, employee number ( XXXX ) representing XXXX XXXX. I was again informed that a third attempt had been made to the Bank of the West for the month of XX/XX/XXXX that again had been returned. This now has resulted in placing my credit in deep jeopardy. I personally went into the Bank of the West again to ask them to research exactly why these payments were returned. They again placed the fault on XXXX XXXX XXXX and denied me any further help. The supervisor XXXX ( XXXX ) representing XXXX XXXX, Telephoned me back after researching the exact telephone call that had been placed by me initially ; from the Bank of the West to establish the ACH withdrawal. There is a taped recording timed at XXXX XX/XX/XXXX. The teller representing Bank of the West clearly stated the wrong routing number. Please I ask you to help me with this very serious error on the part of the bank. The fault is completely theirs and my credit has been devastated by this massive mistake. Thank you, very sincerely.
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| 12/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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|
Web |
Servicemember |
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On XXXX XXXX, 2015, I was overcharged for a vehicle that I purchased from XXXX in XXXX, IL. The retail order invoice from the dealer indicates that the dealer charged me {$20000.00} as the base price of the car ( before additional services were added ). This contradicts ( a ) the price of {$18000.00} that appeared on the sticker of the car at the time of purchase, ( b ) the price of {$18000.00} which the dealer verbally described to me, and ( c ) the {$18000.00} MSRP of the exact vehicle as previously listed on a website linked to the dealer. Documentation is submitted with this complaint in the form of a cache of a web page linked to the dealer where the exact VIN of the vehicle in question has an MSRP listed at {$18000.00}.
I received a loan for this purchase through Bank of the West.
There may be additional problems with the sale. On the retail order invoice, the dealer claims to have given me {$890.00} in rebates ; however, on the invoice itself, these rebates do not appear to have been actually factored in. The dealer told me recently that a " military discount '' that I was promised would now be revoked since I refinanced the vehicle through a different lender ( XXXX XXXX ).
Additionally, the dealer added services on the vehicle which I do not remember requesting. In question is a charge of {$2100.00} appears on the invoice for a service called " XXXX '' Additionally, I do not recall agreeing to " XXXX XXXX '' for {$390.00}.
The dealer is refusing to reimburse me for any of the disputed charges. In fact, when I made a visit to the dealer in early XXXX 2015 to express my concerns, the lead sales representative there told me " This is how we do business in America, '' in obvious reference to my accent ; I am a native of XXXX. I was also contacted by a sales representative who apologized about the mistaken price of the car but did not offer to reimburse me.
I visited with a XXXX legal assistance office on XXXX XXXX. The XXXX legal assistance office contacted the dealer twice in an attempt to resolve the issue. On both occasions, the dealer sounded defensive. The dealer has promised that a " corporate lawyer '' or " XXXX '' would contact office of XXXX legal assistance. To date, neither the XXXX or any lawyers have contacted XXXX legal assistance.
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| 07/02/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I opened an AnyDeposit Checking Account with Bank of the West on XX/XX/XXXX. There was a promotion of {$150.00} Bonus if I did certain requirements. {$100.00} for a Direct Deposit and another {$50.00} if I used my Debit Card to do 10 POS Transactions during the 2 months following the month I opened my account ( i.e. XXXX and XXXX ). It was mentioned that the payment will be issued by XX/XX/XXXX. Yet I received nothing.
To be sure, I talked few times with the customer service. Once was on XX/XX/XXXX for some general questions about the bonus. Once on XX/XX/XXXX to confirm that I am eligible and that I am doing the right steps. Then once on XX/XX/XXXX ( after I fulfilled all the requirements ). I was told then that I QUALIFY and I SHOULD BE receiving the bonus by XX/XX/XXXX, On XX/XX/XXXX, I gave Bank of the West a call asking them if I will be receiving the Bonus in the next 2 days ( I've known people that have already received their bonus by mid of XXXX or a little bit after ). That's when a supervisor informed me that I don't qualify cause someone from Mid of XX/XX/XXXX until mid of XX/XX/XXXX claimed the same bonus living at the same address I am in ( I am aware of this fine print detail ) .However I have been living at the same address since almost 2 years and I've asked other tenants residing in the same address if they actually deal with Bank of the West , None had any accounts with Bank of the West.
I am not sure how Bank of the West is claiming that someone residing in the same address collected the same bonus over the last 2 years. It is clear that they don't want to pay out the bonus. I stepped into a Bank of the West in XXXX to try to resolve the problem. This was on XX/XX/XXXX and I've spoken with the branch manager and promised to call me the following day after consulting with the office that is responsible for paying out the bonuses. Branch manager didn't call me. I went once again on XX/XX/XXXX, then I was promised that I will receive a call after few hours. Nothing again. Today is Monday XX/XX/XXXX and it's already almost XXXX XXXX and I didn't received a phone call today as well.
Unfortunately due to the above circumstances and the failure from bank of the West to resolve the problem, I decided to escalate this issue to the CFPB.
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| 10/22/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
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|
Web |
Older American |
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I have been a joint customer with my mom at Bank of the West for over 15 years. On XXXX XXXX, 2020, I opened a money market account under the existing name ( married name ) on the account. There was no problem opening the account. My mom ( XXXX years old ) is a senior and from time to time she lives with other family members. Earlier this year we had a family issue that compromised my moms account and we had to change her banking information. It took us approximately 3 weeks to make her account secure as they were notified that there was missing checks to my moms account. The same day we changed the account information, a Social Services representative came to my house wanting to speak with my mom to verify I had not committed XXXX XXXX to her. Since my mom does not pay me rent and the funds continued to grow and she continues to live with other family members, we decided to move some of the funds to a money market account. There was no problem opening the account, however, I received a letter dated XXXX XXXX, 2020, from the bank requesting verification of my identify due to the IRS involvement. I had no problem with bringing them the verification. The letter stated that I had a deadline to provide the verification. I sent them a letter requesting they provide me with documentation from the IRS prior to the deadline. They failed to send me the IRS contact information and told me during the personal visit that the bank has no such documents for presenting these sensitive documents. On XX/XX/2020, I walked into the XXXX, Ca branch bank to provide verification and was denied because they wanted to make a photocopy of the verification ( social security card ) without providing me a form from the IRS requesting this information be forwarded to them. The environment was an unsecure open environment and I was publicly ridiculed by the manager for all bank participants to hear and see during the conversation and as I walked away from her. I went home discouraged by her and move the money back into the account in which I was charged a fee for the transfer. The same day after notifying a complaint contact number for the bank I was told the Regional Manager would contact me, as of this date I have not heard from any representatives from Bank of the West.
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| 10/29/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
Older American |
|
In XX/XX/2018 I applied for a HELOC loan through Bank of the West in XXXX, CA.
I signed the final paperwork on XX/XX/2018 for the sum of {$100000.00}.
On XXXX I received a phone call from the bank saying I had forgotten to sign a document. I thought that strange since I signed everything presented to me. I went down to the branch and spoke with Bank Manager XXXX and she asked me if I wanted to put the money in my checking account. I said sure that would be alright. She gave me a from to sign to ok this. I received my statements showing money in checking and HELOC account. However there were interest charges deducted from my checking account for {$390.00} XX/XX/XXXX-XX/XX/XXXX and {$450.00}. I went to the branch and spoke with XXXX that this was an error as I had not taken a draw on any money. She said when I signed that form that is considered on the entire {$100000.00}? I said what? Why would I do that when I had checks sent to be to use on the account. Why would anyone choose to pay interest because you asked me to come to the bank and ok putting into checking knowing I would have to pay interest. Who would be so stupid do pay interest while it sat in another account? She said well you signed it. I said that form said nothing about being charged interest. This is of course automatically deducted from my checking.
I said I want that phony interest written off she said no. I did use {$4000.00} withdrawn so I could pay my contractor on XX/XX/XXXX and I realize I owe interest on that. So she said I could write a check for {$96000.00} to put in the HELOC account. I said all you are doing is changing account numbers? This is crazy. But wrote out check.
I asked to speak to her supervisor and she said there was no one above her. I located district manager in XXXX XXXX XXXX and she said I signed the form so I have to pay. Went to my CPA he called her as he could not believe they try to get away with this and XXXX said the same to him. They deliberately called me to the bank to sign that form as I had already signed with original documents stating no to scam me on interest.
I guess they didn't like it just sitting there and me not using it right away to generate interest? That is a lot of money taken from me that I didn't even touch. Help please.
|
| 01/08/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
Older American |
|
At the beginning of XX/XX/XXXX, I received a letter from the Bank of the West based here in XXXX XXXX metropolitan area. It invited me to open a Premier Checking account by XX/XX/XXXX, and maintain an average monthly balance of {$50000.00} in eligible accounts. By XX/XX/XXXX, {$600.00} bonus will be credited to this Bank of the West Premier Checking account.
I took the offer and opened a checking account and a money market & Savings account in XX/XX/XXXX. An amount bit over {$50000.00} was deposited and maintained there until the end of XX/XX/XXXX. At the early XX/XX/XXXX, I checked my accounts with the Bank of the West. There were no {$600.00} bonus credited as the letter promised. I called their customer service phone number, a woman with harsh voice told me, the bonus would n't credit to my accounts because there had been very little activities in my accounts during the said time.
I stated that the invitation letter mailed to me only required : 1. Opening deposit must be received and deposited to the account no later than XX/XX/XXXX. 2. Accounts must be in open status and have a positive balance as of XX/XX/XXXX. 3. Bonus must be credited by XX/XX/XXXX. 4. All accounts are subject to the Bank 's standard terms and conditions and Schedule of Fees and Charges. I did n't see any regulation/demand on the letter stating that the new opened account ( s ) must have certain level of activities during the above said time in order to obtain the {$600.00} bonus.
The woman in their customer service just irrespectively rejected my request to have the {$600.00} bonus promised by their invitation letter.
The Bank of the West used a false advertisement to allure me to open a new account with a big amount of money deposited and maintained in it for about five months for their usage. Then just refused to execute their obligation as we both parties agreed at the beginning. It 's a dishonorable and fraudulent action.
I am a retiree with limited income. I do n't have necessary resources to challenge their disgraceful schemes targeted on me and other people alike.
I am submitting you my complaint herewith and hope you would take actions to make the Bank of the West to give me the credit for the bonus they offered.
|
| 08/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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We, XXXX XXXX XXXX, have facilitated a consumer lease buyout for a customer through Bank of the West. We dropped off payment at our local branch XX/XX/XXXX. We first began calling regarding the title XX/XX/XXXX, since that date we have completed 5 calls each with a hold time of 45-57 minutes. There were 2 additional attempts at contact, but we had to disconnect due to the extended hold time. We have spoken with 3 different individuals, but have spoken with XXXX, employee id # XXXX, the last two times ( XXXX and XX/XX/XXXX ). 1st call- We have been lied to several times : told the title was an electronic title and it had been requested-it is not and never has been. It is a paper title since orientation. We were told it had been mailed to a branch in XXXX, it was not. 2nd call-I was told that title was requested and that I would receive a call within 24-48 hours. I did not receive a call. XXXX My associate called and asked to speak with supervisor, we were given XXXX. He advised that title would be sent XXXX and that we would receive a tracking number by Monday at the latest. XX/XX/XXXX I called in and asked to speak with a supervisor. Again I was given XXXX, I vented my frustrations, was told that he was unaware of the situation, so I then reminded him that he, in fact, was the last person we spoke with. He then told me that the title was in notary status and I advised that Nebraska titles do not require a notary and had not in over 25 years. I advised him that he had lied to me and that I had caught the bank in several untruths. I asked to speak with his manager and was told that there wasn't anyone else to speak to. I advised him that I would go to our local branch and at that point he told me that there was a manager that he could leave a message for and that it would be a 24-48 hour call back time. Upon ending the call I did reach out to the local branch, but it was closed. I called the customer service line for checking, gave the supervisor there, XXXX id # XXXX, the information for XXXX and he advised that he would also send a message to XXXX 's manager. At this point it has been beyond 30 days since payoff. My customer has assessed DMV penalties and is unable to drive their vehicle legally.
|
| 07/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
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I had an unbelievably horrific experience with the Bank of the West ( BOW ). I logged several complaints that referenced the errors in opening the account and subsequent errors by BOW employees. ( BOW response Dated XX/XX/ is attached ) The account was held open for the required period of time to charge off the account. Allowing the BOW to collect insurance and sell the account to collections.
BOW has listed several complaints filed and has treated every complaint without variation. However, the subsequent complaints are about the errors in the XXXX XXXX response to claim/complaint filed before the closing of the account.
The Bank has closed all complaints without investigation into the errors reported in the BOW letter dated XXXX XXXX. The last complaint I filed was to have XXXX Credit Reporting agency add my personal statement as I had written my own personal statement.
Submitted to the CFPB on XXXX # XXXX The Bank response summarizing what the BOW feels is my complaint with no acknowledgement of the request to review its own letter of XX/XX/ and the visible errors admitted and subsequent accounting errors after the admission.
I continually state there were deposit and automatic withdraw errors on the account. The XXXX XXXX admits one deposit error. However, the rest of the XX/XX/, letter does not account for the admitted BOW system error. I was harmed by the BOW computer system error as evidenced in the accounting of the letter of XXXX XXXX
The last BOW response included this statement : For questions regarding account activity from XXXX and prior, please contact XXXX XXXX, Retail Customer Services Officer/Vice President at ( XXXX ) XXXX.
SO, The Bank of the West should have directed XXXX XXXX to respond to the complaint ( s ). My complaint stands. I do not owe the BOW or the XXXX XXXX XXXX. I requested the account be closed in XXXX XXXX The account was not negative with the deposit in XX/XX/. The BOW did not close the account upon consumer request. The account remained open collecting fees not closed until 3 months after requested closure by the consumer. BOW disregarded an open dispute on the account and refused to investigate the damaged caused by system errors.
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| 02/12/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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As of XX/XX/XXXX, Bank of the West has refused to resolved my issues of bait and switch from a promised interest rate of 2 % /2.02 % APY to 1.29 APY ; closed my account without reimbursing me the full account balance ; and not allowing online access. This is after filing a complaint with the CEO, XXXX XXXX on XX/XX/XXXX and speaking with the manager, XXXX XXXX at the XXXX XXXX branch on XX/XX/XXXX. I was referred back to the branch that originally caused the problems so naturally nothing got resolved.
This complaint concerns the Bank of the West branch at XXXX XXXX, Ca. I opened an XXXX XXXX XXXX account on XX/XX/XXXX with the understanding that the interest rate would be at 2 % /2.02 % APY. The opening balance was {$20000.00}.
An account statement from XX/XX/XXXX XX/XX/XXXX was received sometime in mid-XXXX XXXX. Instead of the promised APY 2.02 %, the statement stated an APY of 1.29 %. On XX/XX/XXXX, I went to the local XXXX XXXX branch for an explanation. More or less, all the employees including the manager ( she refused to speak with me directly ) stated that this was correct. Out of frustration, I immediately closed the account on XX/XX/XXXX. Instead of issuing a closing check for the full balance amount, it was issued for what was stated on the XX/XX/XXXX XX/XX/XXXX statement of {$20000.00}. There was an interest amount from XX/XX/XXXX to XX/XX/XXXX still outstanding. But, the employee insisted there was no other remaining amount and if there was any, it would be just a few dollars and not to worry about it and to let it go. She even issued me a balance receipt showing the available and current balances were XXXX. Once home, I checked my account online, it showed the remaining account balance was {$13.00}. I then immediately contacted someone on the phone at a Bank of the West call center regarding the issues, who stated my account was frozen and nothing could be done.
I tried to log online again on XX/XX/XXXX and XX/XX/XXXX and was unable to do so. The notices posted were Access Suspended with an invalid reason that [ I ] havent signed into it for over 18 months! On XX/XX/XXXX, I tried to re-enroll on Online Banking but was denied because my account had been closed.
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| 09/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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|
Web |
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On XX/XX/XXXX19 I logged into my account to check my balance and if check # XXXX for {$50.00} had posted. The check had not been presented but the balance was only {$18.00}. I then initiated an instant deposit for {$54.00} externally through XXXX, the merchant processor for credit payments. Proof of deposit and date attached. Bank of the West ( BoTW ) is a participant in instant deposit and I have previously taken advantage of this service from XXXX with BoTW. When I logged back into the account on XX/XX/XXXX check # XXXX still had not be presented, but my instant deposit was. When I logged in on XX/XX/XXXX, check # XXXX was presented as well as my instant deposit of {$54.00}, however a fee of {$35.00} was assessed. I reached out to BoTW on XX/XX/XXXX and spoke to two bankers before speaking to a supervisor, XXXX. XXXX told me because my instant deposit had not " posted '' until the XX/XX/XXXX, although presented and available on XX/XX/XXXX, I was charged a {$35.00} fee. I asked XXXX if BoTW was an instant deposit participant and she attempted to refer me to their online banking department. I was not sure how that internal department could assist me, so I presented the following scenario : If both my current and available balances were {$0.00}, XXXX, and I initiated an instant deposit externally for {$50.00}, would I have immediate access to the {$50.00} deposit. XXXX 's reply was " not necessarily '' which seems to imply there is some degree of ambiguity in how BoTW makes funds available and fee assessment. XXXX then confirmed that the information provided was the extent she was able to assist me and did not reverse the fee. I asked if I could the dispute the fee said no. When asked if BoTW was self-governing XXXX attempted to refer me to my branch manager. I asked if the branch manger would present the same unresolved conclusion XXXX said yes. I asked one last time if BoTW was not self-governing how can I dispute the fee and XXXX deflected the inquiry as asking " legal advice '' about outside agencies that govern BoTW. As of XX/XX/XXXX19 the {$35.00} has not been reversed. Attached image shows two other instant deposit transactions that were used to avoid insufficient balances.
|
| 11/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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I, XXXX XXXX XXXX, received a loan on a Motorhome from Bank of the West on XX/XX/2021. I received from them my loan papers and noticed on the Disclosure Statement that the amount of sales tax was too much. They had {$14000.00} allotted for sales tax.
In Arkansas there is a cap on local sales tax. In my case, XXXX XXXX XXXX ( 1.5 % ) and XXXX of XXXX ( 1 % ). If the purchase amount is over {$2500.00}, the sales tax is capped at {$37.00} for the county and {$25.00} for the City. Our total sales tax based on the purchase price of {$160000.00} should have been as follows : State Sales Tax 6.5 % {$10000.00} XXXX XXXX XXXX 1.5 % {$37.00} capped City of XXXX 1 % {$25.00} capped Total {$10000.00} I went to our local DMV and they gave me documentation of these amount which I submitted to our loan officer, XXXX XXXX. He said if its too much, it will be refunded at the after they pay the sales tax and the vehicle is registered. Bank of the West has since paid the sales tax directly to the state in the amount of {$11000.00} which is less that the amount on the Disclosure Statement and actually still not the right amount. The amount that is on the Disclosure statement for sales tax is in our loan and has increased our loan balance by {$3000.00}.
I have made several calls to bring attention to this with my last call being on the XXXX of XXXX. Every call I'm assured it will be fixed and credited back to my loan but XX/XX/2021 it has not.
I am 5 months into dealing with this and still no resolve. I am paying interest on this amount and quite frankly find this fraudulent. They were aware it was the wrong amount from the beginning, charged it anyway and now not crediting my loan back for the overage. This is why we have Disclosure Statements and Truth in Lending, to protect us.
I have documentation to support all these claims. I will sending you copies of : 1 Loans papers which includes the Disclosure Statement 2 Check stub from where Bank of the West paid the State of Arkansas for the sales tax 3 State of Arkansas registration which states the amount that was paid 4 An online print out from my local DMV with a note by XXXX XXXX XXXX stating the correct amount dated XX/XX/2021.
|
| 05/19/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I last wrote about Bank of the West refusing to deposit a check for XXXX into my account to cover XXXX payment as I wrote XXXX XXXX and no instead of XXXX XXXX and XXXX and no. The response that XXXX was deposited 10 days later is a no duh, as I sent in ANOTHER CHECK. I also transferred XXXX to make certain the payment was covered, as they were delaying depositing the second check, forgetting another check I wrote and ended up paying XXXX in fees to my checking account, I finally got someone to update my address on both my XXXX loan AND my Savings. When I went to look up my 2018 interest on my XXXX, I could not access it because, in the typical incompetence with which BoW seeks to become the worst financial institution in history, 6 years of attempting to update my address had only finally resulting in changing the one. Finally I got someone who could also figure out how to update an address on the other as well.
Meanwhile, I have now submitted a direct deposit x 2. With 2 different routing numbers given to me by BoW. Both have failed to be accepted by BoW. So, not only are the charging me XXXX a month because I do not have direct deposit, they are refusing to accept the direct deposit, and now as a direct result, I have missed a payment, unknown to me.
I have now once again manually transferred the money over.
How can a bank exist that can not manage simple functions such as accepting a check or a direct deposit or updating addresses? There is not a branch within 100 miles of me. But this should not matter. My checking account is in Texas. Know how many difficulties I have had with them one phone call or email does not solve? 0. ZERO. That is zero and no. none.
I would like to request someone at BoW who actually is capable of setting up a direct deposit contact me and complete this transaction. I also feel BoW needs to reimburse me for fees that incurred as a direct result of their incompetence.
I can sell that trailer for XXXX to XXXX XXXX. If BoW will work with me on the XXXX remaining, I will just get rid of it and sever all ties with this horrible company that has been nothing but one headache of incompetence after another for 6 years.
|
| 06/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
We received a letter purportedly from Bank of the West dated XX/XX/XXXX stating that they needed to update our information or they would close our account on XX/XX/XXXX. We believed the letter to be fraudulent because it was clearly a copy and had no signature line -- it did not look like other letters we had received from the bank in the past. Also, it said the bank had made " multiple attempts to contact '' us and we knew that was not true. On XX/XX/XXXX my husband went to our local branch ( XXXX XXXX ) with the letter and asked to speak to a manager. He spoke to one XXXX XXXX who made a phone call and then said the letter was legitimate. He confirmed my husband 's information and said he would need to speak to me personally to confirm mine, but that it could be done on the phone. The same day Mr. XXXX and I spoke by phone ; we updated my contact information, which was indeed out of date ( but my husband 's was NOT out of date ), and I gave him my CA driver 's license number and expiration date. He told us we were all set. On XX/XX/XXXX my husband went to the branch to deposit his paycheck, and was told he did not have an account there. He asked to speak the manager, who said he didn't know what had happened, but that our accounts had been closed. Our checking account there is used for all of our automatic payments, my automatic paycheck deposit, and has one check outstanding ( # XXXX written on XX/XX/XXXX ). That same day I phoned the number on the letter we had thought was fraudulent, asking to speak with XXXX XXXX ( XXXX ). He said our account closure had been initiated by the bank branch. He said a check for our funds was sent out. We asked how it was sent out, and he said because of the amount ( around {$250000.00}, our live savings ), it would " probably '' be sent by XXXX not by regular mail. Except we are not at our address, we are at my mother 's house, staying for an extended period. We asked what the tracking number was, they didn't know. We asked if a signature was required, they didn't know. We asked if ANYBODY could just sign for it or if ID would be required, they didn't know. They said they would get back to us on it and did not.
|
| 07/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I applied for a home equity loan and was denied. Reasons, serious delinquency, excessive amounts past due on accounts, time since delinquency is to recent or unknown. Further investigation revealed that XXXX had made errors and never closed an account that I was burglarized on. They ran up the fees and closed the account for non payment unbeknownst to me. They gave me a letter stating such mistakes. They will not give me a refinance loan due to there errors. Im stuck paying a high interest mortgage. They claim that I have to fix the errors with the credit bureaus. They caused financial stress and turmoils due to there inaccuracies and failures to remedy it. Furthermore, there banking app has flaws which I brought to there attention. It does not report all scheduled payments. I feel so helpless fighting a big bank. Ive spent 30-40 hours being redirected to a department who cant help me. Im at such a loss how an institution can get away with this. Ive been a customer for 23 years and have had my mortgage with them for 16. I apologize for not keeping a lot of money so I can receive better service, but I figure most cant. I have less then 10 % debt to income ratio, an excellent credit score until I paid off most of my credit cards and my score dropped. Im on a XXXX income from the XXXX. They also denied me stating I dont keep a high enough balance. They also state that I have excessive obligations in regards to my income. My financial obligations only account for 25 % of my income. They are also stating that my recent credit score which dropped to XXXX was to low for them. This has to be illegal or some type of financial biast for many different reasons. I doubt a lawyer would represent me because XXXX will just prolong the case. It would not be financially feasible for an attorney to handle it.
They are also technically financially responsible for any interest rates that I was given because of there inaccuracies. There has to be accountability. I pay my bills on time and work very hard being financially responsible in XXXX. They are burdening my financial load especially through these tough financial times due to the pandemic.
|
| 02/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hi, I went to XXXX Dealership in XXXX, just for a test drive ; I had a thought of buying and I asked to present a financial options ; First, they made us wait for 40 minutes ; They presented the offer ; I said thank you and said that I would come back. The manager came over ( XXXX ) and said that they have a great deal for me. They presented a discount and asked if I have a car to trade in.
I did have a car to trade in but I didn't think of trading it at that moment.
I gave out specifications as I remembered them, and they immediately stated that they will give us a high price for the vehicle. They DIDN'T SEE THE VEHICLE! They told me and my wife that they are willing to take a risk and if they lose ( trade-in value was estimated {$6500.00} ) then they will lose {$6500.00}. We told us that we are going to bring the vehicle and trade that in since I didn't remember specifications ( I have several cars, XXXX XXXX & XXXX ).
I mentioned that I do not remember the vehicle specifications but they promised to take the car for a trade in value NO MATTER WHAT!
Well, we got into a deal. Everything was great, up until the moment, they sent a girl with us to pick up the car that we were trading in. We already had the papers for the XXXX, we drove the XXXX Home but then got the papers for the trade in the car and that car they promised to take at their own risk no matter what, they Didn't accept the car.
It results in getting us into a loan which at this point it doesn't exist because they didn't take our trade in the car. It results in tremendous credit score lose ( 54 points/ 3 hard inquiries ). XXXX TOLD me that their dealership is not doing HARD INQUIRES as other dealerships are doing. It was our MAIN CONCERN! XXXX told us and reassured us multiple times that they ARE DIFFERENT and those inquire are not going to affect my credit score! IT WAS NOT TRUE! He did tell me that that loan won't affect my credit score that tremendously!
The deal got withdrawn, my credit score fell That is completely unprofessional and completely false information given!
XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX
|
| 05/01/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX I started the process of buying my own commercial building here in XXXX XXXX Nevada. I had established a relationship with bank of the west. When i sought information about to loan they had me in contact with XXXX XXXX. She had many good things to say about my good standing financially and encouraged me to go for it the rates were great and for sure they would give me a 3 % interest because of it. however when it came time to draw up the doc 's the truth in lending stated 3-5 and 7 % senerieos. i was assured again it would be 3 %. was it? of course not it was 7 %. I should have not signed but the momentum of the move was happening and the guest were excited, so we signed. bank of the west drew up the docs, blanketed everything I owned and We signed. We opted to pay direct to the bank auto withdraw. after 6 years of paying on time we opted to refinance because the rates were better. took it to FIB where they found very little principle was paid down. Wow what a mess the bank had made, come to find out they were undercharging me and not applying principle correctly, ie ... some months as little as XXXX cents and {$1.00}. we brought it to bank of the west attention and after about a month they addressed us with oh yes our mistake so now since you weren't charged properly you owe us {$19000.00}. payable now or we will adjust your mortgage rate to 5.5 %.
we of course chose 5.5 %. so now its XX/XX/XXXX we heard that rates were going up and my balloon is due in XX/XX/XXXX so i wanted to refinance. but after looking at what i still owed i was taken off guard .... my principle had only gone down {$30000.00}. in 9 years. I looked into it further from every angle and the banks mistake had cost me over {$50000.00}. according to the new bank it is a mess according to my attorney they are malfeasant and unethical. If i fight them they all say it will cost more than {$50000.00}. I own an XXXX XXXX XXXX XXXX. does anyone wish to guess how many XXXX i have to do to equal {$50000.00}? I am moving forward with the new bank and sending a demand letter. this is clearly wrong, what they have done is steal from me.
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a loan for a recreational vehicle through bank of the west. I have had this loan since XX/XX/XXXX. This is a joint loan with myself and my wife so it affects both of our credit scores. I have made 15 on time payments for this loan with the exception of a reported 30 days late payments for XX/XX/XXXX. I call them every month to pay my loan so that I can personally make sure it is taken care of. I used XXXX for my bank at that time who decided to perform IT updates that whole week so their website didnt crash. Anyone who has used XXXX XXXX knows they randomly mess with updates and freeze accounts for random periods of time so I no longer use them. I called on the XXXX of XXXX which is when I make my payment each month and they said it went through. As far as I knew my payment went through. I assumed it was taken care of just like every other month. I work a lot so I dont check my checking account everyday or even once every 4-6 days sometimes. I received a phone call from bank of the west after my grace window had closed stating that my account was past due and will now be reported delinquent. I then tried to log into XXXX but I received an error saying they were updating their system so some normal banking operations will be unavailable. I didnt realize that meant my funds were unavailable to pay bills!? So I then made a payment from a separate checking account with a different bank and this time it went through no problem. I then asked bank of the west if they would take that late payment off since it was clearly a banking error to which they declined to do anything. This lowered mine and my wifes credit score 95 points in a single day. I have several different revolving credit accounts including a mortgage that I have never been late on. This one single late payment is preventing me from obtaining access to auto loans and personal loans/lines of credit and it is causing undue hardship on myself and my wife. I have called bank of the west and even disputed this information on my credit report but it will not go away. I dont believe what they did was right and I am reaching out to CFPB for help.
|
| 01/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
RE : Bank of the West loan # XXXX For the last fifteen years or 180 plus monthly payments I have had an RV loan from Bank of the West.
I have made the 180 payments in good faith and the loan is now paid off.
But still Bank of the west has done great harm to my credit.
The situation is entirely their fault and I am seeking a remedy.
In XX/XX/2018 my RV loan with Bank of the West matured. I was sent a notice stating such.
The notice simply stated that the loan had matured and offered no other details. I was a bit confused because I still had payment coupons left in my payment book. I called the XXXX number for customer assistance to clarify the situation and get a payoff amount. I was told by the agent that the payoff amount was just over 4000 dollars. I was also advised by the Bank of the West agent that I could simply continue making the standard monthly payment and that would bring down the principal balance to a point where it was palatable to payoff. No mention of credit bureau reporting was made. So I continued to make the standard monthly payment.
I also continued to receive notices that payment had been received.
I thought everything was fine and planned to payoff the loan once the payoff amount was down to XXXX dollars.
In XX/XX/XXXX I received a notice from Bank of the West that the bank was about to report a charge off ( default ) to the credit bureaus. I immediately called to get the payoff amount and make the final payment.
The loan is now paid in full but Bank of the West has nearly destroyed my credit. They have reported my loan to the bureaus as 60 and 90 days late, this was NEVER indicated to me in either verbal or written communications.
At this point Bank of the West has all of their money and interest, I have the RV, but my credit is ruined.
Nor have I been given an explanation of why after 180 payments there was still a XXXX dollar balance.
I think the best way of resolving this issue is for Bank of the West to remove the derogatory credit items from the credit bureaus and restore my credit score. I would also like a detailed accounting of why the payoff amount was so high.
|
| 09/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
We are the sellers of our RV that is financed with XXXX XXXX. The buyers are financing with Bank of the West/Essex Credit Division .
Our signed Purchase Agreement dated XX/XX/XXXX, states {$83000.00} has the sales price for the RV. We also signed a Power of Attorney giving Bank of the West the ability to do the title and registration once the Purchase Agreement was executed.
On XX/XX/XXXX, the buyer, per instructions of Bank of the West, sent our bank, XXXX XXXX, a check for {$100.00} On XX/XX/XXXX, a check from Bank of the West was sent and posted to our XXXX XXXX account for {$78000.00} which paid off our RV Loan. We did not see any other payments posted except for this {$78000.00}.
On XX/XX/XXXX, we contacted the buyers to arrange for the remaining balance which we calculate as {$4400.00}. Once the balance was paid, we'd arrange for buyer possession.
On XX/XX/XXXX, the buyers contacted us and said Bank of the West instructed them to sent {$100.00} to XXXXXXXX XXXX and to pay us {$4000.00} ( which is what Bank of the West calculates as our balance owed ). We disagreed with the amount owed. We communicated that clearly in email and texts to the buyers and to their bank and that the amount owed is {$4300.00} after crediting {$100.00} sent to our bank.
On XX/XX/XXXX, we are still in disagreement with the amount owed. We communicated that clearly again in email to the buyers and to their bank and that the amount owed is {$4300.00}. Since we weren't in agreement, we asked the buyers to arrange a conference call with their bank, the Bank of the West for XX/XX/XXXX at XXXX EST.
On XX/XX/XXXX, we could not get the parties to join a conference call. We communicated that we are still owed the {$4300.00} to complete the Purchase Agreement.
We are very concerned we will not see the amount owed of {$4300.00} and the buyers bank is proceeding with the title transfer and registration of the RV. We are still in possession of the RV and the keys and have communicate we revoke the Power of Attorney for the tiltle transfer and registration unit the amount owed of {$4300.00} is settled.
|
| 06/15/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
My name is XXXX XXXX XXXX and I have been a victim of scam and identity theft. I initiated a Police Report with the XXXX Sheriff Office ; Florida ; ph. XXXX ; XXXX Case Number XXXX and a Complaint with the FTC Rpt. # XXXX. The scam is related to : I performed a serial of wire transfer ( a total of 3 wire transfer {$31000.00} ) at the request of the Social Security Administration ( SSA ) and the Federal Trade Commission ( FTC ) guided by XXXX XXXX a fictitious DEA agent. Funds were wire transferred from my XXXX XXXX XXXX XXXX Account # XXXXX ; Routing # : XXXX to other 2 Bank accounts ( account numbers available upon request ; name of the banks : " XXXX XXXX XXXX '' ; ( XXXX ) and " Bank of the West '' ; XXXX ) the account numbers and routing number for these banks were provided by the fictitious DEA Agent, named XXXX XXXX ( phone used to initiate the scam XXXX he used other numbers also ). On XX/XX/2020 ; I did the first wire transfer of XXXX to XXXX XXXX XXXX ; the second on XX/XX/2020 for {$10000.00} and the third on XX/XX/2020 for {$11000.00}, both wire transfers to Bank of West ; for a total of {$31000.00}. On XX/XX/2020, I found I that this was an scam, when I called the Drug Enforcement Office, and told them that a DEA agent named XXXX XXXX made me wire transfer money to XXXX banks. The XXXX XXXX told me that call immediately the XXXX XXXX XXXX XXXX to recall the wire transfers and that XXXX XXXX was not a DEA agent. I immediately called XXXX XXXX XXXX and they recalled all the wire transfer from both banks. The Credit Union could recalled the wire transfer of XXXX from XXXX XXXX XXXX ( which were wire transferred on XX/XX/2020 ) but could not recalled the 2 wire transfers for Bank of the West ( which were wire transferred on XX/XX/2020 ( {$10000.00} ) and XX/XX/2020 ( {$11000.00} ). In addition was also very difficult to communicate to the Bank of the West ; according to the XXXX XXXX XXXX XXXX. Please I need help to recuperate my money from Bank of the West located in California. Please if you publish this notice, remove my name and personal data from this notification.
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| 10/28/2016 |
Yes |
- Other financial service
- Check cashing
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- Customer service/Customer relations
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Web |
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I attempted to cash a check from an employer at my local Bank of the West. After waiting for an unreasonable amount of time and being treated as though I had done something wrong ( like they suspected I stole the check ) I polity asked what the issue was? I was then told that they did not believe the signature was legit and they refused to cash it ... Essentially accusing me of being a criminal. I suspect at this point, I am being XXXX profiled and I take offense to it as any one would. However I kept my cool and asked to speak to the manager on duty.She confirmed that they will not cash the check, so I told her that I was unaware that the bank hires hand writing annalists. This sarcasm was met with out right hostility. At this point I just wanted my money so I requested she called the number that they had on file and maybe my employer will answer a number he did n't recognize. To my surprise he picks up and confirms that he wrote a check to me for {$500.00} the day before, and instructs the bank manager to pay me my money. This is when she steps whey out of bounds and insists that he give her the check number, which of course he does n't have in his hand because he is away from his check book at the moment. Now she begins to give my employer a massive attitude and tells him she does n't have to cash the check and she " Is doing him a favor '' .... At this point I tell her she is n't doing anyone any favors. In fact it is her job that she is refusing to do and I suspect that this whole debacle is fueled by some XXXX predecease on her behalf. She responded by telling me to get out of the bank and threatens me with calling the police. I realized things were getting way out of hand so I left, taking her business card and promising her that I will follow up with a complaint. I am not looking for any sort of financial compensation. I just want the satisfaction of knowing that I put in a complaint that will have consequences.It is unacceptable and humiliating to be accused of being a criminal based on XXXX my XXXX. I would appreciate any help in resolving this matter. Thank you..
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| 01/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I have been a customer with Bank of the West for many ( XXXX ) years. I have a checking account, a savings account and a credit card with them and with the last five years they have become absolutely horrible.
They offer overdraft protection, but its not overdraft protection. Its a scam. I I have spoken with many representatives, and asked them rather than overdrafted my account if they could decline the charge. They say to enroll in overdraft protection to do this however, it doesnt do anything and continues to overdraft the account. And when youre not enrolled in overdraft protection, it does the same thing.
I also have a savings account which should take money directly out of savings, rather than overdraft my checking but this is also not done. The only thing they offer is ONE overdraft refund a year. The overdraft fee is {$35.00}.
Ive sent notifications to notify to notify me the minute. My account is under a certain amount, but Ive they never notify you until after they can charge you.
I have pretty much tried to stop using my bank accounts because they continually overdraft me unfortunately this has caused me to use my credit cards more. Causing me to go into more debt.
Their practices with my credit card are also very suspect. Its almost impossible to pay the credit card. If you pay it early, they debit the money out of the account that you paid from but dont apply it until the actual payment date. The money essentially just disappears until payment date. Also, if you deposit a check into your checking or savings account, the money has to clear before you can even begin to pay your credit card. Good luck even trying to get in touch with their credit card customer service on this- Ive been put on hold for hours and never got in touch with anybody.
Ive paid hundreds of dollars in overdraft fees which honestly I dont have the extra money for.
Ive been a customer for many years with Bank of the West- I thought a community/regional bank would be a better option but its not. I wouldnt recommend this thing to anybody and I hope the government goes after them.
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| 05/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XXXX XXXX , XXXX , My husband and I went to XXXX XXXX located at XXXX XXXX XXXX XXXX , XXXX , IL XXXX , to purchase a family van for our son who is XXXX . The price of the vehicle including sales tax was {$70000.00}. We traded in our car, which they valued at {$19000.00} and we also put a down payment of {$8700.00}. I started making payments on XXXX XXXX , XXXX of {$670.00} as per the agreement. In the months to follow I noticed that the principal is not reducing the way it should. I called the finance company Bank of the West ( Address XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX , Phone XXXX ) on XXXX XXXX , XXXX and requested a transaction history due to not seeing the balance reduce. Also called XXXX XXXX , XXXX , XXXX XXXX , XXXX and XXXX XXXX , XXXX until they were finally able to send an amortization table. In review it seems that the fixed interest of 5.50 % is not fixed and has been fluctuating. I called once again XXXX XXXX , XXXX and spoke with Customer Service representative XXXX who stated that there is a Per Diem of 8.23 % and questioned her what is a Per Diem and why was it not explained in the contract. She stated all car loans have a Per Diem the call disconnected. Called back the XXXX and spoke with another customer service representative XXXX , and she was not able to locate anywhere on the contract that a Per Diem would be charged, she then ask ed her manager a nd he stated that the Daily Per Diem is not listed on the contract due to the Daily Per Diem changing each day. I do not find this to be good practice, this should have been disclosed. Also on the contract I noticed that the vehicle we traded in was not included as part of the down payment, they have yet to explain the reason. We purchased the vehicle for our son because he needs accessibility and mobility, it is hard for me to carry him on and off the XXXX for school and Dr XXXX Appointments and family outings, for this company and finance company to take advantage of such a delicate situation is outrageous.
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| 03/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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My case related and involved a big financial fraud criminals as follows. A group of financial criminals including the bank internal moles, house value appraisals, ID thefts, Public Notary officers, loan officers, title company etc.This is a complete fraudulent loan chain. The Bank of the West assigned their own case investigator of XXXX XXXX XXXX toke care of this case, and he had spent more than two years for investigion. The last email I received from him said the case had been passed to the US Secret Services and would be solved soon, but he was facing hight pressure from the bank management and then suddenly disappeared.
I tried to report the case to as many as possible autherities as FBI, local policy department, State General Attorney, CFPB etc. But every time the Bank of the West use the same reasons of two to stop the investigation and closed the case : 1 ) Duplicated case 2 ) An agreement was signed Two weeks ago I got a copy of the so called agreement. I found this agreement was totally forged. I will express why as follows : 1 ) I owed the original loan to the XXXX XXXX XXXX, amounting of XXXX. But the agreement asked me to pay the Bank of the West and their partner XXXX XXXX XXXX.
How can they made a victim of crime to pay double to the criminals?
2 ) During the agreement signing time, I was out of country, so I had no chance to sign any agreement. I can provide my evidence of my out of country.
3 ) When signing any agreement, I will add the date of signature on it, but this agreement the date is empty.
4 ) I did not know and had not met those persons who signed the agreement.
Brief summary as follow : This case revolved in a big financial criminals. The original case investigator of XXXX XXXX who had spend two years for the investigation, he should be show up and tell us what is happening?
I want to have a meeting face to face to speak with the Bank, XXXX V and other loan providers such as XXXX, XXXX, XXXX etc.
XXXX XXXX owner of the house at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX MY cell is XXXX XXXX XXXX My e-mail is XXXX XXXX
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| 04/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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We have an RV loan with Bank of the West. All regular payments come out electronically. We were told any principal payments would have to be separate via check, so we set up a bill pay check in XX/XX/XXXX for {$500.00} extra a month. XXXX, XXXX, and XXXX payments were all applied correctly. In XXXX we noticed a regular payment was not taken, in looking online they had been misapplying the principal payment for XXXX, XXXX and XX/XX/XXXX. The only number we could call was the XXXX number that had an XXXX hour wait multiple times. We took work off and went into the XXXX branch on XX/XX/XXXX to resolve this issue. The banker XXXX, had no recourse other than to call the same XXXX number. He said they would fix XXXX, XXXX, XXXX principal payments as well as some of the regular payments that had also been misapplied. He told us that due to " regulations '' we couldn't make principal payments via bill pay and had to mail them in in special envelopes which he said he would mail to us. we never received them. In XXXX they took XXXX regular payments out, our regular of XXXX and an additional XXXX also applied as regular. I called and got a supervisor, XXXX, whom let me know my online history reflecting incorrectly in several spots : The regular payment on XXXX history shows all applied to principal ( XXXX said {$420.00} was applied to interest ) and XXXX of the XXXX XX/XX/XXXX principal payments ( which for some reason were broken up into XXXX and XXXX to equal our {$500.00} ) history reflecting the XXXX is principal, XXXX said it was reflecting as a regular payment. This was her answer for why a second random regular payment was taken on XXXX for XXXX and my online history was wrong. She suggested I keep the extra XXXX payment in place even though it was now reflecting I had overpaid by XXXX. She is supposed to mail me a correct history and principal payment envelopes that were supposed to have been sent out in XXXX that we never received. Bank of the West 's current process of making it so difficult to make a principal payment on a loan is deceptive and unfair.
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| 05/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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GOOD MORNING, I have a newly created loan with the BANK OF THE WEST, I put down {$8000.00} on XXXX/XXXX/2015, the payment was {$540.00} monthly, I was told if I put down more money {$12000.00} the monthly payment would be lowered to {$400.00} monthly with a new contract superceding the XXXX contract that was to be destroyed, however I received notice that on XXXX/XXXX/15 due is {$540.00} and when I call Loan officer XXXX XXXX XXXX XXXX XXXX Bank of the West, XXXX states that in his notes he wrote to disregard the XXXX XXXX/XXXX/15 contract that XXXX/XXXX/15 contract with addition money from XXXX was to lower payment to XXXX and this was the loan to be processed, I ask XXXX how this happen XXXX replied it was an error, I asked for a letter stating the that XXXX contract XXXX/XXXX/15 was supercede by XXXX contract of XXXX/XXXX/15 was the bank error of which I have not received and BANK OF THE WEST loan officer XXXX XXXX REFUSES to return calls to me .however a XXXX XXXX XXXX Bank of the West XXXX XXXX XXXX has contacted me, on behalf of the credit dept, and I ca n't get a answer to my issue which is pressing, My concern is if I make payment of {$540.00} on XXXX/XXXX/15 which I 've received notice for of which this loan application was to be destroyed as per XXXX XXXX that the superceded loan application of XXXX/XXXX/15 for {$400.00} will be demanded of me thus having to pay XXXX loans for the XXXX RV motor home when asked of XXXX this she replied I ca n't answer that I don ; t have the second superceded loan application yet, now I 've call XXXX at Bank of the west and left a message that If XXXX call me with fax # I would fax to her the XXXX contract XXXX however I XXXX is not returning calls either, I am very much afraid that I will be paying to loans to the tune of over {$200000.00} and I ca n't get answers but {$540.00} is due on XXXX/XXXX/15 and then {$400.00} on XXXX/XXXX/15, I feel I am the victim of the banking industry predatory nature, I be grateful if CFPB would look into this, there is also a inquiry ref. # from a call to CFPB # XXXX
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| 12/05/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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https : //www.bankofthewest.com/XXXX XXXX Bank of the west is running a promotion ( seen in the link below ).
I tried to apply online but the website sent me an email saying my identity could not be verified, so I called a branch nearby ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) and made an appointment stating that I would like to come in for an account with the promotion.
I arrived at the branch at XXXX on XXXX. Sat down with a relationship banker named XXXX XXXX XXXX. She was very slow in processing my request, and she kept saying that she had to apply a promo code although on the website the promo code is automatically applied. Then she proceeded to take down the application ID that I was given in an email and wrote down my social security number on a post-it ( which she never shredded at the end ). She kept telling me that she could not locate my application, despite the email telling me that I should be able to pick up on my application in branch.
I explained to her that I didn't want to make another trip, but she kept going back and forth pretending to talk to the people behind the desk. And when it was time for the branch to close, she told me that she " got the confirmation that she can not open an account ''. and that I would need to go to another branch.
I just asked her to open an account, and regarding the promo code, I read to her " promo is automatically applied '' verbatim ( as is written on the promotion page linked above ). She still refused. There are clearly a few things wrong with what happened : 1. The banker 's unprofessional behavior - jotting down social security number on a post-it and never shredding it.
2. Not being ready for the task even though a customer had called the day before explaining the situation and made an appointment.
3. The branch not honoring what is publicly advertised online.
I am very frustrated and disappointed with the way I was treated as a customer.
I have a recording of the phone conversation when I called in to make an appointment as well ( my phone records every phone call ).
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| 12/27/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Problem accessing account
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Web |
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Our XXXX minor children have CD accounts with Bank of the West. The CDs are part of an inheritance that the children received from their paternal great grandfather. Per the requirement at the time the account was set up a custodial adult had to be part of the account. The only person in the Oregon area where the account was opened was a family friend of my husband 's XXXX parents. He agreed to be custodian and provide us with bank statements. However we have not been able to get bank statements for the past two years from the custodian and are concerned that something inappropriate may have happened to the account.
As the parents of the minor children on the account we can not get any information related to the account from the bank - such as the bank statements or account balances. We are unable to monitor to ensure the accounts are being handled appropriately. The most recent call we have made on this was to the contact center for Bank of the West and it was with XXXX ID # XXXX today, XXXX XXXX, 2017. She told us that there is nothing we can do to find out the balances or get a statement as we are not on the account and that we should speak to our children about the account. We explained that the children are XXXX and XXXX years old and we are just requesting a bank statement on their behalf. She told us we could not get any information on the account including the statements.
We would like to put a family member on this account - if not my husband and I as the children 's parents - then at least my father ( the children 's grandparent ) as he has a vested interest in the account staying whole and being managed appropriately. The current custodian is a non-relative and we are having issues getting him to provide us with statements.
We have not been able to get any assistance from the bank on either getting statements on behalf of our minor children or finding out which branch opened the accounts so we can add my father as a custodian to ensure the funds are not disbursed to anyone prior to our children 's 18th birthdays.
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| 02/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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My husband and I traveled to XXXX over XXXX and XXXX Years. Of XXXX and early XXXX. On XX/XX/XXXX we went on a XXXX rental from XXXX XXXX XXXX, the the ocean was so rough my husband and I both got sick, and two crew members. Also while we were on the ocean, one of the engines blew, and we were down to only one so the captain insisted that he gave us a refund. The captain also had a difficult time parking the boat with only one engine and I have a video to prove that. I also told the bank that. I accepted and the refund was supposed to be for the full amount of {$1700.00}. That charge still has not come off my account. I also had two more charges on XX/XX/XXXX, one for {$250.00} and one for {$500.00} from XXXX XXXX XXXX XXXX. I had purchased a couple of cheap magnets for our son that has XXXX, and instead of them charging me in XXXX they charged me in dollars!! I got ripped off pretty bad in XXXX. I have tried to contact both merchants, and neither one have been cooperative. So I faxed my bank a letter to dispute all three charges. They confirmed that on XX/XX/XXXX they received my notification of possible incorrect debit card transactions on my bank of the west account. On XX/XX/XXXX I received a letter from them from XX/XX/XXXX saying that they had completed the investigation of my case. Bank of the West denied it, said that merchants are independent from us and they bank is not responsible for them for misrepresentations made by merchants from which I choose to purchase goods and services with my card. This is ridiculous when I cant even directly speak with the merchants. These are fraudulent charges, that I did not make and also one that should be refunded because of the horrible experience that we received and we were told we would be receiving a refund. I feel like I have been scammed by Bank of the West also. I have been saving for years to go on this trip. Also having a son that has XXXX and is nonverbal, it was a vacation my husband and I really needed and then to come home and see bank fraud is disheartening.
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| 12/02/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
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Web |
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My husband and I applied for a jumbo mortgage with Bank of the West. We worked closely with the mortgage loan officer over a period of five months ( XX/XX/XXXX - XX/XX/2016 ) discussing our options. After Bank of the West reviewed our file, the mortgage loan officer told us that we were not approved for a jumbo mortgage, but that we would be able to procure a smaller ( {$470000.00} ) mortgage AND an additional {$300000.00} line of credit in lieu of the jumbo mortgage. She reassured us over and over that this product combination would work for us and that we would close on the line of credit within a few days of closing on the mortgage ; however, she was insistent that we had to close on the mortgage first. After we closed on the mortgage with Bank of the West, the line of credit stalled. We asked for answers on its progress for over a month before ultimately being denied the line of credit. We feel that we were misled into purchasing Bank of the West 's mortgage loan product under the assumption that approval for a line of credit was imminent. Had we known before closing on the mortgage that we would be denied the line of credit, we would not have closed on the mortgage. Instead, we would have continued shopping for a mortgage/line of credit product that better suited our needs. We feel that Bank of the West was only in the game to secure our mortgage and once that was done, the door was slammed in our face. Very, very misleading and frustrating. Now we are stuck with a mortgage that is only one part of what we were promised. We also feel that the underwriters at Bank of the West have differing and waivering standards among themselves that are not consistently applied or communicated with the mortgage loan officers and the customers. In the underwriter 's explanation for declining the line of credit, not all of the reasons given were sound and logical, and the explanation added layers of risk that were based on assumptions that could have been addressed if the underwriters had asked for clarification.
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| 05/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In XX/XX/XXXX, we started working with Bank of The West to refinance our Mortgage. This process took a long time till beginning of XX/XX/XXXX. After their calculations, they said we needed to pay off some of our credit cards and return one of our leased cars. we returned one of our leased cars and paid off some of our credit cards,. Later, the agent said if we take {$30.00} out of our 401K, we should be qualified. We took out the amount requested from our 401K. We had some cash in the bank, she said if we sell {$16000.00} from our stock, we will be 100 % qualified. My husband was very frustrated and he didn't want to work with them but I asked the agent if this is the last thing they want from us. I told her that we are tired of this situation and we want an honest answer. If we will not be qualified, we don't want to sell our stock but the agent confirmed that this is the last thing and she even offered us a conference call with her manager. Unfortunately, we believed her and we didn't have this conference call. We sold our stock, waited for a few week without any updates. My husband called the agent for some updates. She said we can't pay the property tax with the cash we have in the bank. We informed her that we already paid the tax. She said she will inform her manager. Later, she didn't return our calls and texts. we went to the bank and found out that our request has been denied. They were not responsive to our emails, not only the loan officer but also others such as the underwriter. When I asked the underwriter why he sent us an old document ( with numbers that they had changed themselves ) to sign, he never responded.
We want to complain from Bank of The West because they weren't honest with us. If they were not expecting our loan to be qualified, they should have told us from the beginning. We took out of our 401K, sold our stock for nothing. We didn't need all that and now we have to pay a lot taxes for their mistake. They shouldn't be allowed to play with people 's life.
Thank you
|
| 11/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2022 I deposited a check in the amount of {$1600.00} to my personal checking account with Bank of the West I was told that because I made a mobile deposit that due to Federal Regulations that my check would be held for approximately XXXX days the check was supposed to be released on XX/XX/XXXX on XX/XX/XXXX I have no access to any of my funds so I called into customer service to find out why I was unable to access my funds spoke with the branching manager XXXX XXXX and she stated that my very I needed to verify my identity so I sent her a copy of my ID social security card and also business documents showing that that was my the name of my business on XX/XX/XXXX spoke with branch manager branch manager stated that I would have to open up a business account because the check was issued in a XXXX stated to XXXX that my business contains my name as per the documents she received on XX/XX/XXXX and that I do have the option to keep a personal account because my name is included with the business. In error the payer of the check included the " DBA '' however I am only registered with the IRS and state of California as XXXX XXXX XXXX XXXX XXXX XXXX which means that it includes my first and last name on XX/XX/XXXX while explaining to the branch manager that I felt like I was being discriminated against she hung up in my face so I later stated that I will be filing a complaint due to the fact that she has given me a very hard time in receiving funds of which are mine and now I have no access to my account the banking account has been removed from my online banking access and I have no idea where my funds are. She also stated to me that I would have to open up a business account and come into the branch to open the account even though she had all of my verification documents to open a business account if need be however I did not need to open up business checking account and on XX/XX/XXXX I went to Bank of the West online banking and I was able to apply for a business checking account
|
| 02/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
I opened an account with Bank of the West a couple of months ago. The manager of the local branch was extremely rude to me and made veiled threats to make sure my deposits weren't made available to me. Her representative cursed at me, screaming " XXXX XXXX! '' at me because I told him he was being rude to me. Later, I tried to complain to the bank and I was met with apathy and more rudeness. I was extremely irate - this isn't about a lunch order - this is about a bank employee making me feel threatened and unsafe having my money in her hands. The Executive office said they'd call me back in 3 days. They never did. Instead, they sent me a letter that called me abusive and said they did nothing wrong. Today, I tried to use the ATM at that branch and it took my card. The branch manager wouldn't even try to retrieve it and said I can't have it back until next Tuesday. Again, she was rude. I questioned whether she was denying me my card because I had complained about her. She said she didn't even remember me. I reminded her that her employee cursed at me. She then started yelling and saying it didn't happen. I yelled back that he admitted it. She then threatened to set me up for fraud and have my account closed. I did file a complaint with the bank, but, considering how they responded the last time, I doubt I'm going to get any sort of authentic response from them. This branch manager has threatened me and my account twice now. She also told me that NO MATTER WHAT, that employee that cursed at me would not be fired. I asked her why - I couldn't think of any other reason that someone would protect someone like that unless they were sleeping together. She went ballistic and now she refuses to give me my card back. I don't want this woman to have access to my account. She's threatened to set me up for a crime. I don't trust Bank of the West to do the right thing. They keep calling me, their customer names, and excusing their employees who cursed at me and threatened me. That's insanity.
|
| 09/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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On XX/XX/XXXX, our RV loan was paid in full via cashiers check. Bank of the West did refund the overage of {$21.00} as the payoff was a 10-day window estimate.
On XX/XX/XXXX, an electronic payment in the amount of {$270.00} was debited from my bank account and paid to Bank of the West in error.
On XX/XX/XXXX, when I discovered the overpayment, I phoned Bank of the West to get the issue rectified. The Bank of the West representative I spoke to was XXXX. XXXX confirmed the overpayment was received and he said he would create a work order to get a cashiers check in the amount of {$270.00} issued back to me. He said it would take approximately 5-7 business days for this to occur.
On XX/XX/XXXX, I still had not received the refund check, so I called Bank of the West customer service. XXXX is the representative I spoke to. XXXX told me that nothing had been done to get the refund check issued and Bank of the West is requiring proof that the {$270.00} was paid to them from my account. I was appalled to hear this information. I asked XXXX if anyone was going to let me know of this new requirement and was met with silence. I asked XXXX what type of proof I needed to provide. She said I would need to send a fax and a copy of my bank statement showing the withdrawal from my account. She also stated that I would need to follow up in the future on this issue.
I am extremely upset and disappointed in the turn of events and the lack of customer service. The first representative ( XXXX ) was very professional and friendly. He had no problems seeing the overpayment in the system and taking the steps to get a refund issued to me. At no time was there mention of sending any additional documentation. Now, mysteriously, XXXX is telling me she cant see the overpayment in the system and that nothing has been done for over 3 weeks and no one bothered to even notify me. I have sent Bank of the West a copy of my bank statement showing the overpayment and requested a call back.
|
| 11/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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On XX/XX/2021 there was a fraudulent transaction from a merchant that called showed on my bank statement by the name of XXXX, in the amount of {$190.00}. Along with several other fraudulent transactions that had been made on my account, dating back a month before, all from the same or similar fake named merchants, and all of them for the same amount of {$190.00}, all together totaling {$790.00}. As soon as I noticed the transactions on my account, I attempted to reach the merchant or whoever they were via the phone number on the bank statement, all to no avail. The numbers were either disconnected, or were recordings that would just hang up on me. So I tried to call my bank, and after waiting on hold for hours, on XX/XX/2021, I was able to finally talk to someone and let them know about these mysterious transactions. I had explained to them that I had no idea who or what the transactions were from. And that I had not purchased anything for those amounts. They said they would do an investigation to find out and after I had to send them a hand written statement stating that those transactions were fraudulent, they finally accredited my account for the {$790.00}, as a provisional credit. It took a little over 2 months for them to finally get done with " the investigation '', and we finally got letter from the bank on XX/XX/2021, saying that ended up denying my request! And that they were going to take back the provisional credit that they had put in my account, and that if the money wasn't in the account that I would be responsible for the money owed to them! They said that they some how got printouts from the fake merchant showing that I had made at least one of the transactions. Even though the phone number on the paperwork for that fraudulent business or merchant, was disconnected! Some how they got ahold of them even though it was all a fraud!?! I want to know how they even got in touch with the merchant in the first place to get those bogus printouts!
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| 06/07/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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Bank of the West in response to an investigation into the account in question admitted bank error. ===With reference to your statement the Bank did not make payments you initiated, and deposits were not credited to your account, the Bank returned items as there were insufficient funds in the account. The deposit to which you are referring, occurred on a day where the systems were down. The Bank acknowledges and apologizes for the delay and processed the item as soon as it was brought to our attention. === However, no adjustments were made to the account because of these errors. Simply processing deposits when alerted to the error did not rectify fees on the contrary this error created excessive fees with reoccurring fees. Each acknowledgement and apology about All Bank created error was met with a fee.
The Bank of the West representative also admits that the upper management representatives refused to close the account. Bank representative states as ===On XX/XX/2017, our records show you spoke with XXXX XXXX, Senior Retail Customer Services Officer/Vice President , regarding the status of your account=== with all the knowledge of all employee mishandling of the account, Bank generated errors, less than professional service in the two Banks- XXXX XXXX Branch @ XXXX and the XXXX XXXX @ XXXX XXXX and a written request to sever all association with the Bank for stated problems and more issues with customer service phone line I believed the matter was over and association with this Bank was severed when I received a check from the Bank of the West.
Bottom line the Bank did not rectify Bank error and an account was not closed. Allowing fees to accumulated without adjustments or correction for Bank created and generated errors. The Bank collected insurance and the account was sent to collections. I was misled, by the Bank of the West, with the receipt of a Bank of the West check after all requesting 's to sever all association with the Bank of the West.
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| 11/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I continue to receive no response and incomplete and erroneous processing of my loan application from XXXX XXXX at Essex-bank of the west. I already have a boat loan with them since XX/XX/XXXX.I was in a boating accident and the boat which they currently hold the loan for was totaled. That loan is in process of being paid off. I found a replacement boat and reapplied for a loan through Essex for this. I was approved for the loan on XX/XX/XXXX. But since then I have had nothing but problems and delays. XXXX XXXX asked for some signed documentation on XX/XX/XXXX which we sent over right away. XXXX however never even confirmed he received our documentation until XX/XX/XXXX. Even after repeated emails. Then on XX/XX/XXXX only after I continued to email him several times and left a voicemail did he call me. I was sent a follow up email the following day stating he needed current bank lienholder information per the payoff letter. However XXXX doesnt even know the rules of who holds the title. We responded to him with the following : In New York the owner holds the title not the bank ] There are only nine title-holding states : Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, New York , Oklahoma, Wisconsin. In the other 41 states, titles are issued to the lien holder of your vehicle until the loan is fully paid off. He wanted an updated title with bank name not owners name?? We also resent he title that shows two lien holders one being XXXX XXXX XXXX ( The name is spelled out. XXXX XXXX XXXX XXXX XXXX ) We did send a satisfaction of lien from the additional lienholder. This was sent on XX/XX/XXXX. Since then no response even though I have emailed him 3 times and left a vm. And he is out for the second time since I have been dealing with him until XX/XX/XXXX. And was told when I spoke to him on XX/XX/XXXX that this process could take an additional 3 weeks. I am in danger of losing the boat we found if this can not be expedited.
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| 03/24/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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XX/XX/XXXX - Without any fraudulent activity whatsoever, or anything that could be perceived as such, Bank of the West " temporarily blocks '' my debit card without contacting me.
I notice over the next few days transactions declining. I thought, that's weird, and I have the balance to cover, must be a problem with the bank. I used a credit card and moved on. After the 3rd time, I was really concerned and tried to call the bank. I sat on hold for over an hour in a business waiting to pay for my items. It was a waste of time, and an embarrassment. At this point I couldn't wait on hold anymore and had to just move on with my day.
XX/XX/XXXX - 5 seperate calls to the bank. 3 to the customer service line totaling 6 hours on hold, 2 to the local bank, which is simply an automated " We are open from these hours to these hours '' and hangs up. I am extremely frustrated, and don't have any more time in my schedule to deal with this at the moment. The bank is refusing any attention to my problem. I still have not been able to access my funds since the XXXX.
XX/XX/XXXX - Send a message through banking app requesting information, get a response telling me to call the Fraud Prevention Department.
XX/XX/XXXX - I call Fraud Prevention Department number provided, they say that they have no record of my account at all and to contact customer service - the same people who told me to call the FPD. Attempt to call back the Customer Service Department, still waiting on hold. The customer service line has been " experiencing higher than anticipated call volume '' for over 10 days without customers being able to reach them at all. They do not care that my bills will be overdue because of their negligence. As of today, their website and mobile app are down in several ways ( cant check balances or access home equity line of credit services ) and there is nobody available via phones either. That means 0 % access to accounts for almost two weeks.
|
| 04/25/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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On XXXX/XXXX/2016 I received a call from XXXX from a women who said she was calling from Bank of the West. She informed me that the she was calling customers because the bank had sent out promotional credit cards to their good customers, with 0 % interest for 6 months and that a lot of people were saying they never received anything. She asked if I had received a credit card in the mail. I told her I had not received any credit card. I assumed that this was a mistake, since there was nothing on my account online. She told me that the she would send out a new credit card and to expect it in 7 - 10 days. On XXXX/XXXX/2016 I noticed a new line of credit on my Bank of the West online account. XXXX also sent me an email that there had been activity on my account. On XXXX/XXXX/2016 I called Bank of the West and I told them my story. They told me that I had signed up to their promotional credit card, which I never did. I told them I needed them to cancel the card and to report this to all credit bureaus as a mistake. She then said she would send an email to her manager to look at my account because I have indicated the account open was done fraudulently. She said I would get a call back. What I think happened is on XXXX/XXXX/2016 the person I spoke to was lying and she actually signed me up for a credit card without my permission. I think this seems probable as her story, that the bank was giving out credit cards seems flawed, I 'm not a good bank customer. Although I have good credit on my bank account I routinely go negative balance. If that did n't happen and Bank of the West opened an account without my permission this is not okay as I never agreed to their credit card, the line of credit and their terms. They have a high interest rate on their credit card 19 % and only 6 months no interest promo, that 's pretty XXXX. I have a XXXX card with no interest 21 months, I would never get a Bank of the West credit card, makes no sense.
|
| 01/01/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
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Web |
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" You stated that the account should be in your name being that the account is under the social security number of your child. You stated that the Bank has accepted the transfer and allowed this person to steal your money without checking the validity of the name of information from the party whose account it is. You are requesting that the funds be returned, the account changed, and transfer your funds to a more responsible institution. '' First and foremost, in a previous complaint submitted Bank of the West stated that I am not the account holder for an account that has my childs ssn on it which could perhaps in question. This account was more than likely transferred from an account that has my childs ssn on it at XXXX. YOU ARE REQUIRED TO VERIFY WHERE FUNDS CAME FROM UPON ENTERING YOUR INSTITUTION. I did not sign anything to have my account transferred to someone else where the ssn or tax id is different. If you take privacy and security seriously, this would of been investigated by your institution. I am the ONLY guardian of my child and if the account is opened using my childs ssn, it is FRAUD. Any bank would know that if I clearly called them to state MY INQUIRY. if you pulled my childs ssn up and an account pulls up, that means it is in fact my account regardless whose name is listed. I submitted a police report. Your conpany clearly doesnt know your role in verifying where funds came from and whose account it came from. The funds came from an account owned by me with my childs ssn on it amd was transferred to another institution to a person I have no clue who they are. How is that not fraud. Did this person show proof that the ssn used is his or a childs. Tax id numbers are supposed to be verified when used. Clearly you did not verify it! Failure to follow regulations. I want the account associated with my childs ssn found. SEC has been notified of your fraudulent acts and inability to research my issue.
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| 02/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX I contacted Bank of the West by telephone regarding a payment which was taken out of my account after a 3rd party purchaser paid off my loan balance of {$3000.00} on XX/XX/XXXX. The representative confirmed that there was an a payment which was taken out and that my funds would be reimbursed once I faxed in my bank statement showing the payment on XX/XX/XXXX.
After that call to Bank of the West, I contacted my bank, XXXX XXXX to request a stop payment on any future payments from my account. I received a notice from Bank of the West dated XX/XX/XXXX which stated that I had a balance of {$610.00} due with a {$15.00} processing fee.
I called Bank of the West and I was informed the balance that I owed was for a payment which was reversed on XX/XX/XXXX for a payment that was due for XX/XX/XXXX. After checking with my bank I was informed that there was no reversal in XXXX from the XXXX payment.
I went in to Bank of the West on XXXX XXXX. in the city of XXXX to request additional assistance to contact customer support since I was being asked to again send in my bank statements showing the XXXX payment never being credited to my XXXX XXXX.
I received a call today from a costumer service representative by the name of XXXX at phone number XXXX who again said that the balance owed is for my XXXX statement. After receiving the same information from XXXX. I received a call from XXXX at the XXXX office who said also that he was told it was for my XXXX statement.
I have provided my bank statement to show that I was not reversed the amount which was for the XXXX statement. I was told that my bank has to reimburse me to make the missing payment. I really need help resolving this issue but the representatives at Bank of the West are not able to understand that I have not been reversed the XXXX statement even when I am providing my XXXX XXXX statement which clearly shows that the payment was made.
|
| 08/11/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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My ex husband purchased a boat, but it was done as a joint loan acount in XXXX when we were still married. We divorced in XXXX and divorce papers stipulate ex husband was keeping the boat and the loan attached to it. I moved and had no possession of or contact with the boat again. However, his credit was not good enough and he was unable to ever refinance it into his name and remove my name from the loan. He then stopped paying on the boat loan with Bank of the West and had the boat repossessed by them. They sold the boat to someone else but at a loss over how much the exhusband still owed. They then listed the amount of their loss on my credit report as a derogatory account and amount still owed them. The ex husband then filed bankruptcy and had it removed/discharged from his record. However, they then sent ME to collections for their lost money ( over a boat I never had ).
The collections information is below, XXXX from Bank of the West. I received a letter from XXXX and I sent them in copies of my divorce papers showing the debt did not belong to me, requesting it get removed. However it has remained on my credit report. Initially it was {$18000.00}. A few months ago they increased it to {$23000.00}, not sure why. I do not believe in bankruptcy and do not want a bankruptcy on my record. I do not want to have to file bankruptcy over a collection item that clearly does not belong to me.They repossessed the boat and got their property back. They discharged the debt in court when the Ex filed bankruptcy on it. There is absolutely no reason their " loss '' should still be causing me credit problems XXXX years later.
XXXX XXXXBANK OF THE WESTXXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXX Agency XXXX XXXXOriginal Creditor BANK OF THE WESTStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility Individual Account.
Balance $ XXXX Balance $ XXXX Consumer disputes this account information
|
| 05/30/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
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|
Web |
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|
In XX/XX/XXXX We applied to refinance with Bank of the west, ( our bank for 20 years. ) during the process we paid for a appraiser XXXX that appraisal was ordered wrong and came in undervalue at XXXX. ( according to the new loan with XXXX the appraiser told me that they requested the wrong type of appraisal and they had appraised the building for 200,000.less than the current value. ) When they received the appraisal they were confident that they would do our refinance anyways since we were great customers according to XXXX XXXX. We met 2 or 3 times during the refinance process in the end they denied us saying some lame excuse that our business wasn't strong enough according to XXXX XXXX. ( Every year we have stayed steady in our income or increased even during the crash XX/XX/XXXX.. ) In fact I think they wanted time to have us follow up with their loan we currently have so they would be sure to have there messed up loan processes under wraps until it matured in XX/XX/XXXX. I wanted to refi my building now because the forecast id for interest rates to go up. XX/XX/XXXX, when moving the loan to XXXX XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX, they were 100 % in and qualified us in minutes. during the opening of escrow it took weeks to get what we needed from Bank of the west, and all the hold up at XXXX XXXX, XXXX XXXX was due to Bank of the west not filing the paperwork properly and muddying the water therefore charging me interest daily to the tune of over 4,000.plus in interest from their negligence. this is my second complaint against this out of control bank of the west, and I feel based on the fact I was immediately qualified by XXXX XXXX and told by all professionals in their field that bank of the west mishandled the appraisal and escrow they are owing my company XXXX. again this company was my bank for 20 plus years and have poor business practices that end up costing the public money.
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| 06/11/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
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Web |
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My phone was stolen at a night club on XX/XX/XXXX and used to initiate XXXX Transfers to an unauthorized person in the amount of {$5000.00}. When the fraud was reported to Bank of the West, they asked that I submit a fraud claim with them. Following that claim being submitted, the bank denied the fraud claim as they said that I was being careless with my personal property and that the fraud was actually my fault. I have been treated as a co-conspirator by Bank of the West since this process began and I am the victim here. I have had an account in good standing with Bank of the West since XXXX. The Bank first denied my claim because the banker ( XXXX ) I was working with at the XXXX XXXX XXXX did not understand what had happened when he took the claim. I was then contacted by someone named XXXX who was with Bank of the West. She interrogated me again as if I was a co-conspirator with the person who stole my money. After I told her what had happened, she attempted to lay the blame on me saying that I was irresponsible with my property. After she berated me, she told me that she was waiting to hear back from the receiving bank to try to get the funds back before she credited my account back the funds that were taken. I told her that I would wait until the funds were credited back into my account from either the fraud person 's bank or Bank of the West credited my account back. She assured me that I would receive the funds either by retrieving the funds from the receiving bank or by Bank of the West crediting me back. She even said that she wanted to delay crediting my account back the {$5000.00} because she didn't want my account credited back {$10000.00} if the receiving bank sent back the funds that were taken. Following that phone call, I received a letter from Bank of the West again denying my claim and now saying that I needed to contact the receiving bank to get my funds back.
|
| 10/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
I am a customer of Bank of the West. My Debit card was recently charged for charges I didnt purchase within this month and last month. I went to XXXX, XXXX for a vacation. The date were XXXX XXXX XX/XX/XXXX of 2022. During my stay I lost my debit card around the XXXX or XXXX of XXXX. I reported the card lost/stolen to my bank through the mobile app and requested a new card. When I got back to the United States on the XXXX of XXXX the new card that arrived in the mail had the exact same 16 digits on the card that I had lost. I dont know if this was a mistake or what happened. I went ahead and kept the card, but changed the PIN number on it. I checked my account to see if any unusual activity was taken place but none at the time of me looking. I had got pending credits from XXXX, that I did not do. I didnt notice the credits were being charged everyday until the XXXX of XXXX. I went to go get gas and my card declined both at the cashier and at the pump. The last time I checked my account I had about {$2400.00}, when I checked it the day the card kept declining I only had {$8.00}. I immediately called the bank and my account was frozen and put under investigation for 7-10 business days. In between the time of the investigation, I talked to the fraud department of my bank several times and one time being a supervisor. Out of the money that was taken, the bank only awarded me {$860.00}. I called the bank back and the supervisor of the fraud department named, XXXX told me that the examiners are the ones who look into the account and thats what they gave me. I asked could I talk to the examiner I was told, no and that they would contact me. I asked, when the supervisor replied maybe next week. I feel the bank is not trying to help me solve my problem and get my money back and at this point, I want someone to please to investigation on whats going on, because my bank I feel doesnt care.
|
| 05/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I CONTACTED BANK OF THE WEST IN XX/XX/XXXX TO ASK FOR A MODIFICATION OF LOAN TERMS, DUE TO A CHANGE IN CIRCUMSTANCES AND THAT BECAUSE OF THESE CHANGES I WAS NO LONGER ABLE TO MAKE THE PAYMENTS FOR THE ORIGINAL AMOUNT OF {$440.00} EACH MONTH. I SUFFER FROM SEVERE XXXX AND XXXX AND AM ON XXXX AND AM NOW CARING FOR MY MOTHER FULL TIME WHO IS ONLY ON SSA RETIREMENT BENEFITS. I PROVIDED THE DOCUMENTS REQUESTED BY THE LOSS MITIGATIONS DEPARTMENT OF THE BANK ALONG WITH MEDICAL DOCUMENTS AND WAS SENT A LETTER ON XX/XX/XXXX THAT ALL DOCUMENTS NEEDED HAD BEEN RECEIVED. THEN ON XX/XX/XXXX I RECEIVED A LETTER STATING THAT DUE TO INSUFFICIENT INCOME THEY WOULD NOT MODIFY LOAN TERMS, BUT THAT WAS THE ENTIRE REASON WHY I ASKED FOR THE CHANGE BECAUSE I COULDN'T AFFORD THE CURRENT TERMS. SO I CONTINUED REACHING OUT TO THE LOSS MITIGATIONS DEPARTMENT AND THROUGH OUT THIS PROCESS WAS INCLUDING LETTERS WITH PARTIAL PAYMENTS OF {$220.00} EACH MONTH AND WAS TOLD BY THE COLLECTIONS DEPARTMENT THAT AS LONG AS I WAS CORRESPONDING WITH LOSS MITIGATIONS AND ATTEMPTING TO MAKE PAYMENTS ON THE LOAN THE CAR WOULD NOT BE REPOSSESSED. THAT WAS NOT THE CASE AND UPON LEAVING TO GO TO THE DOCTORS THE VEHICLE WAS GONE. I HAD TO BORROW MONEY TO GIVE TO THE BANK AND TO THE REPOSSESSION COMPANY AND MANAGE TO GET MYSELF TO XXXX TO RECOVERE CAR ALL IN A MATTER OF DAYS. I AM STRUGGLING TO GET HELP FROM YHE BANK AND CONTACTED XXXX XXXX AT XXXX XXXX XXXX XXXX AND SHE REFERRED ME TO THE CONSUMER ASSISTANCE COUNCIL. I FILLED OUT A COMPLAINT FORM BUT HAVE NOT HEARD BACK. ALL I AM ASKING FOR IS TO CHANGE THE LOAN TERMS IN ORDER TO CUT THE REGULAR PAYMENT IN HALF. I NEED MY VEHICLE TO PROVIDE CARE FOR MY MOTHER, WHICH I HAVE INFORMED THEM OF. THE LOSS MITIGATIONS DEPARTMENT NOW STATES FILE IS INCOMPLETE BUT THE DOCUMENTS THEY ARE ASKIG FOR I ALREADY SUPPLIED TO THEM IN XX/XX/XXXX AND XX/XX/XXXX AND WAS TOLD FILE WAS COMPLETE.
|
| 10/05/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
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Hi, I applied for a Stated Income HELOC from Bank of the West. I had one with them prior. During the phone application they suggested/offered to open " multiple products '' as part of the application process. I wanted a specific kind of HELOC which was difficult to get. It seems like they could have decided I did not qualify for that HELOC without making a credit inquiry. However, I think the bank was more interested in opening other types of accounts that required a credit inquiry. This was even though they could have known I did not qualify for the HELOC without doing an inquiry. It was sort of a " bait and switch '' kind of an application to get me to open other accounts.
After the bank pulled the credit, which I believe was unnecessary to decide the HELOC application, and subsequently rejected the HELOC application, I was stuck with an unwanted inquiry on my credit report and an unwanted credit card. I complained about it and said I wanted the credit inquiry reversed.
They elevated it to compliance, reviewed the taped conversation, and said their process and disclosures were appropriate. I had been under the impression that signing up for other products would be advantageous to my HELOC application. I think they just wanted to pull credit to " sell '' other products, being fully able to determine without pulling my credit that the HELOC application was going to be rejected. This was because the HELOC denial was based on debt to income ratio, not credit.
I suggest that this bank disclose that applying for other products has no bearing on the HELOC application and not try and mix the two application processes. I also suggest that they determine if the applicant 's debt to income ratio would disqualify the applicant prior to pulling credit. Other lenders that do not cross sell other products are easily able to determine this without pulling credit.
Thanks, XXXX XXXX
|
| 02/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
For previous credit card debt charged off by Bank of the West, I received notice of collections from XXXX XXXX XXXX back in XX/XX/XXXX. I proposed to pay XXXX per month, if able, to settle my debt of about {$9700.00} in five years. XXXX XXXX XXXX did not respond to email requests and did not acknowledge receipt of my payments until XX/XX/XXXX when I was unable to make a payment until a month later. They then emailed back and advised me to call the collections agent assigned to my file, which was a direct violation of my request to only communicate by email as stated in the original note.
From XX/XX/XXXX to XX/XX/XXXX, I continued to make monthly payments to XXXX XXXX when able in a total amount of {$3500.00}. My payments did not apply regularly to the account balance, and the reasoning given for this was interest rates. I distrust the agency 's records system because numerous emails were directed towards the incorrect name " XXXX '' and various agents ' names were used that did not provide further information. Also, requests were not answered to provide receipt of payments on several occasions and overall balance plus interest. I made a payment of {$75.00} on XX/XX/XXXX and notified collection agency that catch up payments would be made in XXXX for which a response was given : " Hi XXXX, This is to inform you that your account has been cancelled back to Bank Of the West, so please call them for any future payments. '' No notification was given that collections account was being cancelled. This was second time collection agency directly retaliated against my written request for no phone contact by demanding I call their office.
Bank of the West also performed an inquiry on my credit report in mid-XXXX XXXX without my consent and without advising. I was still making a payment in late XXXX and see no reason for the company to make any inquiry on my credit account.
|
| 12/05/2017 |
No |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
In XXXX, I tried to open a credit card with my bank ( Bank of the West ). I had no credit history, so they suggested I take out a loan ( that I did not need ), and pay it back to build credit. They would n't give me the loan either, without me putting the full amount of the loan in a CD to use as collateral. I saw this as a way to pay money to the bank to build credit, and reluctantly agreed.
This year ( XXXX XXXX, after the full term of the loan and the CD, I tried to close the CD, only to find that it had been automatically renewed and I would n't be able to withdraw the money until XXXX, unless I paid an {$80.00} fee. The manager explained to me that a letter had been mailed and that after the letter was sent out, I had 15 days to physically come into the bank and close the account. I have a couple major issues with the way this transaction occured : 1 ) It was not clearly communicated to me in XXXX that the XXXX would automatically renew, and even if it was, this is an absurd practice. Clearly, as the CD was only used as collateral for a loan and generated essentially zero interest, I would not want to renew the CD.
2 ) I was not able to use online banking to close the CD, and the reminder was sent to an old address. Although I had updated my addresses for my checking account and credit card, the reminder was sent to the old address, guaranteeing that I would not see it within the 15 day time period. There was also no email or electronic communication. If I had been able to close the CD online, this might have been avoided.
3 ) The manager at the local branch told me that I " need to take responsibility for my accounts '' even after she said people in my situation came in " all the time '' wanting to close their CDs that had been automatically renewed. If this is happening " all the time, '' maybe it is time to change the practice.
|
| 09/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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I received a notification through pop money on XX/XX/21 @ XXXX that {$200.00} deposit was made to my bank of the west account. I had been watching my account daily that week bc it was low & I knew they hadnt given me the credit for that deposit on Friday. On XX/XX/21 I went into my account to check the balance shortly before XXXX in case I needed to deposit funds to cover. It showed balance of {$28.00}. The next morning I wake up to a notification that I was charged a {$35.00} fee. The worst part is not only did it never drop below {$28.00}, but they were still holding that {$200.00} electronic transfer from XX/XX/XXXX when they charged me {$35.00}. They finally gave me credit for the {$200.00} on XX/XX/XXXX. The person that sent the transfer said the money left her account on XX/XX/XXXX so not sure where it was those 5 days? I asked XXXX to provide a printout showing my account with the negative balance ( bc even he admitted the account never went negative ), but since I was upset w them & finally yelled bc XXXX refused to return the fee-he refused to give me a printout and lost his cool & kept saying that he was just going to get a cashiers check and close my account. I tried talking to the senior service officer who informed me by mail my account will be closed on the XXXX and she cant provide me with a print out showing where it went negative either because she said it was something behind the scenes. Well how am I supposed to correct some thing if I look and my account doesnt show any issue? This same exact situation happened to me about a year ago & even though it was an error on the banks part just like this? They refunded the fee but put it as a one time courtesy to me. I told her thats great bc then if I ever really need the courtesy it looks like I have already received the courtesy when it was simply their mistake.
|
| 05/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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I have had nothing but problems with Bank of the West. The worst part about it is that there are issues going on some where in the system and they could n't tell me what caused them. I made a name change and added a beneficiary to my account in XXXX. Between my husband and I we have XXXX accounts with them and a year later, in XXXX, we received 16 notices in the mail of name or address changes made to our accounts. We did n't do any changes. After months of research they could n't tell us what happened, It must have been a glitch they said. Another year and a half later I received 15 more cards with the same issue - called the number on the card to address it and they could n't help me, even though that was the number it stated to call if the information was incorrect, had no clue what the issue was, they said they forwarded my concern and my branch would call. That was on a Saturday, by Wednesday I still received no call from my branch.... so I called them. They looked into it and said yes they showed XXXX cards going out for a change on my address - here is the clincher : they only did it for XXXX of my XXXX accounts, AND THEY PUT PERSONAL AND PRIVATE INFORMATION IN THE ADDRESS LINES TO MY HOME!!!!!! The cards were n't in sealed envelopes but printed cards. Then while dealing with this while traveling, I used my debit card the first day and after that they denied my card for fraud hold, called the bank, I should have been called they said - called the fraud department, verified my number and they admitted no attempt was made to contact me, yet my husband was free to use his cards. This bank has no clue what one hand is doing from the other never mind the fact they are in total violation I feel of my privacy rights. Why do they not have control over what is going on in the system, who is touching what accounts and when??
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| 11/30/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I am a new customer of Bank of the West. It took over a month just to open after moving because they kept closing the branch and I ended up driving XXXX miles to XXXX XXXX from XXXX just to avoid going with XXXX XXXX XXXXXXXX.
XXXX I couldn't get mobile banking to accept a check deposit so I had to deposit in my old XXXX Florida account I hope to be able to close in XXXX when my XXXX direct deposit is changed. I then deposited a check from my own XXXX account to my Bank of the West which it did accept after a couple of tries. Problem is there has been an unreasonable hold placed on my deposit. I was told by customer service when I called there is nothing she could do once the transaction has decided to place a hold. I find again the old excuse of blaming a computer without offing any human assistance. This check is from myself and only for {$100.00}.
I am XXXX years old and about to have my XXXX insufficient funds since I was XXXX costing me more money and ruining my XXXX credit purchss that takes directly from bank.
The XXXX issue is XXXX and XXXX XXXX being allowed in the name of voice verification. For XXXX years I have had to argue with every customer service rep I have ever had about who I am. Bank of the West wouldn't even allow me to open via online like they do other people. I shouldn't have to go into private XXXX details about medical conditions that affect my voice like XXXX and XXXX. I can accept needing to make XXXX correction but XXXX times and still being called the wrong pronoun when my birth certificate says male? This constant arguing affects my physical health and emotional wellbeing and it must end.
What is worse is my check has cleared XXXX but Bank of the West is still holding my money and I need to get my cat to an unexpected vet visit with the other half of the {$100.00} I deposited.
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| 01/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I opened A secured card in a branch therefore account was opened by representative in person. I was misled and getting false information and not disclosed all information. The product was not effective and not properly work when it should have so I chose to end my business with them but they will not help me in using the funds I gave them for the card to pay off the card and close it even after enduring unacceptable damages from them which they just ignore and Ive done nothing to address. They need to be audited by the IRS and government and all agencies as the way they treat customers its not legal, normal, or moral. I want out. I want to close my accounts, I want to be far away from this dark business and never be submitted to such corrupt and disturbing business practices ever again. I insist they complete what Ive been asking of them that they are refusing to respectfully do. They immediately need to transfer my money from my ( not theirs, it is my savings account not theirs ) savings account I gave them and payoff my secured card ( falsely advertised and misleading account ) and close both accounts after mailing me a check for the remaining amount left over. This should have been done without an issue. But more so it shouldve been done for the fact that this is based on a huge issue they created which caused XXXX and physical damages to me. I have spoken to several representatives which some have lied to me and told me it was being completed and others were rude to me and others were unwilling to explain or simply help me do the simple transactions and requests. Their policies answers and company values are greatly either lacking or out of whack. I feel like I have shackles on my feet I really have never experienced such an awful immoral business ever in my life. It is disturbing and scary reality.
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| 12/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XX/XX/2020, I received my credit card statement from period XX/XX/2020-XX/XX/2020, with charges from various retail stores that were charged on my credit card. The charges were from XXXX for {$840.00}, XXXX {$31.00}, XXXX # XXXX for three charges {$150.00}, {$37.00}, {$200.00}. The third charge was XXXX store for {$930.00}.
At that same time I received text from my bank that there was a suspicious charge from XXXX on XX/XX/2020 for {$640.00} which was removed by the fraud department after a urgent call from me.
I called the fraud department and they notified me to go to my branch in XXXX XXXX, this was at the same time there was looting and the unrest going on in XXXX XXXX Area, which caused me to stay away from any retail stores and stay home for long periods of time due to Covid-19 outbreak due to high risk age group.
After a few day I went to Bank of the West as per fraud department, filled out a dispute form and send it out to the Bank of The West fraud department. After five days I received a response that charges were in fact unauthorized and were removed.
Furthermore, I checked my credit card and the charges were added back on my card. I called Bank of the West fraud department, the supervisor name XXXX, I asked her why the charges as back on my credit card. She said I was physically present when those charges were made and the dispute was not in my favor therefore the charges remain on the credit card.
I was notified to file a police report on XX/XX/2020, but nothing has changed from the original decision from the bank.
Currently, I continue to receive statements from Bank of the West with Fraudulent charges that we not mine. There is lack of communication from the bank when I tried to reach out to them. This has caused me a lot of distress, sleepless nights and XXXX.
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| 06/22/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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First of all, my account from one day to the next was frozen by a company called XXXX the bank says they have nothing to do with it and to get it unfrozen i have to go in to a bank and have it properly un frozen XXXX or anything like that can not be used. Im a XXXX XXXX XXXX at a XXXX XXXX and when this happen i was at home due to myself and others in my dept at work being diagnosed with covid they didn't care that i couldnt leave my home due to my XXXX XXXX they told me come in through the drive through and we will help you that way i did and when i got to the bank, of course, they wanted me to get down and that i did not do i was not going to out any kids or people in general at risk. i went home not being able to get to any money in over 30 days because i couldn't. I could understand if it was frozen due to the bank or because of something i did but it was because of a service i never even used or have ever used. not to mention that the money i wanted to use was a credit from a dispute i had to do before i even received my debit card through the whole process from the being i had so much problems then when i was able to use my money and pay bills those funds got frozen by the bank due to the fraud not in my favor they said a company where my card was used that was in another country. I had made those charges. they said i was lying and that i had even activated that debit card with my phone and thats absolutely not true but its my word against theres ive gone back and forth with this company and through all this my account went into negative status because all the charges were reversed and right when that happen my pay check of XXXX got deposited and my tax refund pf the same amount also got deposited but im still negative and according to them there is nothing i could do. Please help
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| 11/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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False Advertising and Bait and Switch by Bank of the West.
On or about XX/XX/2018, my husband and I applied for a home equity line of credit. We were told that, as a line of credit, it can be used for any purpose now or in the future. I informed the loan agent that the purpose of the line of credit is to pay off my solar debts for my house and for my daughter 's house which is around {$80000.00}. I was quoted an interest rate for a {$100000.00} line of credit and a lower interest rate for a {$150000.00} line of credit. I told the loan agent that I was interested in the lower interest rate and, therefore, started the paperwork for a {$150000.00} line of credit.
On XX/XX/2018, I received an email from XXXX XXXX stating that we were approved for the {$150000.00} line of credit to pay off the solar debts and my car loan. I emailed back stating that the interest rate of my car loan is less than 1 % and that it would not make any sense to pay it off at an interest rate of over 5 % and that the condition they are imposing is unreasonable. I was told that unless I pay off my car loan with the money from the equity line of credit, then they are only approving a {$100000.00} line of credit at a higher interest rate.
A line of credit is a preset amount of money that a bank or credit union agrees to lend the borrower. The borrower draws from the line of credit WHEN NEEDED up to the maximum amount. Interest is on the amount borrowed. Bank of the West is falsely advertising this offer as a line of credit. It is not a line of credit when the borrower is forced to use the money for a purpose that is not needed and then threatens borrower with a penalty of a higher interest rate if the condition is not met. Bank of the West wants to switch the loan to a higher interest rate to get more profit.
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| 09/06/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I think it's important to note that I've had a credit card with Bank of the West for seven months before this happened.
I was solicited by Bank of the West to open a checking and savings account. Because of COVID, I used the online account opening process. My accounts were initially opened in about 3 hours, and I was going to go make my opening deposits in the branch the following day. 17 hours later ( thankfully, before I wasted time sitting in the drive-thru, or then I'd be really mad ), I received an email that my account ( s ) were being closed " based on a secondary review. '' Since the employee had no other data than what would show on a consumer report because there hadn't been any transactions, and I doubt the employee did it just because he felt like it, there was most assuredly a requirement to provide me with an adverse action notice stating the credit reporting agency that was used and the REASON as required by the FCRA.
I've heard of customers that can't get any account, only a savings account, a savings and checking, but I've never heard of anyone with a positive credit account at a bank being denied a checking account.
There's another story on here where a customer was told to drive to a branch to get things fixed, and it wasn't. I was told something similar. " If you open the account in the branch, you might be able to get an account because they use different procedures. '' I called the branch, and was told, " Don't bother. It'll just get closed again. '' These people will shut you down, and it will be inconvenient, costly, or ruin your credit. I was lucky in the sense that it happened before I made my opening deposit. If they'd have done it afterwards, I'd have been in a world of hurt having to wait for them to take their time refunding my opening deposit.
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| 05/03/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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On Friday, XXXX XXXX , I went in to the XXXX downtown branch of Bank of the West to close my checking and savings account. I had incurred charges on this account the day prior, despite not having overdraft protection. The account was in the negative ( approximately - {$220.00} ) for about 1-2 days. I paid the banker the balance to brin g the account to XXXX . I paid in cash and asked him to close the account after it was brought to XXXX . The banker gave me an excuse saying that he could not close the account for some reason, but failed to state exactly what that reason was and what policy and/or law he was adhering to. I told him that I wanted both accounts closed that day. On Monday, XXXX XXXX , I emailed XXXX asking about the account, to ensure everything was closed. He emailed me back saying that there were more charges on the account, from automatic payments that I had set up previously. I was charged {$35.00} for the overdraft and paid all charges on the account, today, XXXX / XXXX / 2017 . I do not understand WHY a bank would allow any further charges on a closed account. When a customer asks to close an account on a specific day, not closing the account means more ways to collect on bank fees. Not closing the account when I asked helped the bank become unjustly enriched. I am very upset with the Bank of the West, their behavior is egregious, predatory and full of non-disclosures. I would like to recover the {$35.00} that my husband paid today to try to close the accounts I had. My husband was told that even though we want to close the account, more charges could be applied to the account. This is an unacceptable excuse and I believe it is in violation of several laws as well in violation of the covenant of good faith and fair dealing.
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| 09/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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My account at the time was altered without my knowledge or consent, due to an accusation based on Bank of the west records ( that the company refuses to give me copies of ; provide burden of proof ). My only proof that these alterations made to my account, which placed my balance- {$260.00}, as well as hinder my ability to provide for myself as a XXXX XXXX XXXX XXXX during the duress of the pandemic, has been the word of this bank and the forgery of my transaction history, accompanied by the original receipt of forgery by bank manager XXXX XXXX in her own hand writing. I have made several requests for the company to rectify this and turnover documentation used to support the alleged ATM error in connection to the {$500.00} bank error my account was accused of being responsible for, thus far they have ignored my requests, closed my account with a derogatory remark, and sold the forged debt to a collections agency, which is now creating a hardship upon my credit history. The only response received by Bank of the West in regards to my request for investigation has been in response to a complaint made by myself to the California Department of Business Oversight. The events in this investigation held 3 months prior to the initial request did not accurately depict the events that took place, B.O.W. has repeatedly ignored my written requests to comply with FTC regulations and has slandered my good name as a consumer, and inflamed the attack on my credit. These practices have been harmful to my livelihood and continue to harm my pursuits to have a better quality of life. I am in need of assistance, in any form to help rectify this situation, I am not financially able to fight this, to which I am sure they have been counting on. This nightmare began on XX/XX/2020 and is curent.
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| 04/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
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Web |
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On XX/XX/XXXX I deposited {$45.00} to Bank Of The West at : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I opened Checking and Savings.
The next day I was hospitalized and unable to accomplish moving automatic deposits and other items that would otherwise be directed to this account. I remained hospitalized on more than one occasion and spoke with B of W personnel - explaining that I would be unable to attend to the matters - that I was XXXX and could not drive for a time. I requested the account be " FROZEN '' and that no further activity be allowed until such time as I could resolve this issue.
B of W personnel assured me there would be no issue freezing the account - there was no activity and although a debit card was issued to the WRONG address - it was never activated and there was absolutely NO activity on the account whatsoever. At that time I requested the Account to be closed. Customer Service told me I would have to come in ( in Person ) to do this. I explained I was XXXX and not driving - and they persisted that this would have to be done IN PERSON.
On XX/XX/XXXX I was issued a letter stating that my accounts were OVERDRAWN and that if I didn't bring them up to a current standard and pay the OVERDRAFT FEES that they would be starting Collections Actions and making a poor credit report about my banking activity / inactivity.
On this day XX/XX/XXXX I spoke to the Bank 's Customer Service and they stated essentially the same thing - that despite the fact that I deposited {$45.00} and froze the account that they had SERVICE CHARGED ME to a ( - {$20.00} ) and that I would have to PAY TO CLOSE THE ACCOUNT FOR GOOD!!!
This can't be good banking - and can not be legal. They did NOTHING for me but service charge me - not one single transaction - NOTHING!
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| 06/22/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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Overall, I felt like there was little transparency throughout the process and I was not armed with information to ask the right questions or remedy issues. It turns out I had a conforming loan that got put in a jumbo pool which was the crux of the issue with underwriters as it related to the appraisal which was ultimately why they declined to honor my rate lock of XXXX and fund my loan. The condominium purchase price was {$500000.00} and The funds I wired to title was {$320000.00}. I completed all the requests for information and fulfilled all the financial obligations- wired the money directly to the title company and deposited funds into an account I was required to open and fund at Bank of the West. The other issue was the lender was not responsive to me or my real estate agent and we were given conflicting information on various topics - time was of the essence to meet the closing date. The appraisal that I paid for came back with structural issues that were captured by an unqualified person who never accessed the building where the foundation could be properly assessed. I paid for an additional appraiser to help the underwriter get comfort around the structural soundness and to work with the bank appraiser to append their report. My loan ultimately went to an executive committee to get a waiver but they decided not to proceed. I have no proof, but I sincerely believe they were looking for any excuse not to fund because of my rate lock. They knew my deadline on this property and it passed without resolution. I also believe they never intended to fund and strung me along to lead me to a higher cost option on a different property.
Dates : Counter Offer for purchase price signed XXXX XXXXXXXX XXXX signed XXXX Original closing date XXXX Amended date : XXXX
|
| 10/02/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
Servicemember |
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this is an addition to complaint # 's XXXX & XXXX against Bank of the West in relation to my vehicle lease initiated XXXX and paid off XXXX. In my complaint XXXX I asked BOW to supply me a full accounting of my lease with them. They sent me a " Transaction History '' that shows no beginning balance, no running balance, and no ending balance. While further reviewing the " History '' I noticed that XXXX of my XXXX payments that I made to BOW in XXXX XXXX are not reflected on the History.
On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a phone payment with a person at BOW in the amount of XXXX. Confirmation # XXXX.
On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a XXXX XXXX by phone in the amount of XXXX}. Confirmation # XXXX.
On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a XXXX XXXX by phone in the amount of {XXXX}. Confirmation # XXXX.
The payments on XXXX & XXXX/XXXX/XXXX totaling XXXX are not showing on the History.
I demand immediate repayment of those funds to me as this lease has been paid in full based on the payoff package BOW sent to my financial institution. A payoff amount that obviously does n't include the XXXX payment I made.
This is really getting ridiculous. I have never in my life had a bank lose so much money is so short a period as BOW has. Imagine these losses in less than XXXX months extrapolated across a full XXXX month lease.
I am attaching BOW 's History and my bank statement showing all XXXX payments were paid by my financial institution well before the payoff amount was given to my financial institution in late XXXX XXXX. I feel this XXXX was not reflected in the payoff and the funds should be returned to me.
I have contacted BOW twice about this and they just keep putting me off. I will not just give up on my XXXX
|
| 04/07/2016 |
No |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
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XXXX XXXX XXXX/XXXX/XXXX Senior Vice President XXXX Bank of the West Hello XXXX XXXX, On XXXX/XXXX/XXXX I made a early extra {$300.00} payment using funds in account from Income Tax return deposited into account on XXXX/XXXX/XXXX. Enclosure ( Auto Pay debit 0f $ XXXX XXXX ) As we know The Section titled " Prepayment '' in the Promissory Note states " Early payments will not relieve me of my obligation to continue to make payments under the payment schedule. '' It was explained to me this is why AutoPay debited {$570.00} on XXXX/XXXX/XXXX to Satisfy the Regular scheduled payment due under the payment schedule.
On XXXX/XXXX/XXXX I made a early extra {$450.00} payment using Income Tax return funds that deposited into account on that day.
As we know by " Promissory Note rule '' the regular scheduled payment of {$570.00} is still due on XXXX/XXXX/XXXX.
That would make regular payment of {$570.00} due on regular payment date according to you " XXXX/XXXX/XXXX ''. As we know AutoPay should debit {$570.00} on regular payment date " XXXX/XXXX/XXXX ''. We know by the Note Rule an early payment can satisfy a late payment fee of a future payment date but does not ever satisfy a Regular payment due under the payment schedule.
Account balance on XXXX/XXXX/XXXX was {$2500.00}. Plenty of funds to satisfy Regular scheduled payment of of {$570.00} on XXXX/XXXX/XXXX. Enclosure ( XXXX XXXX Checking AccountStatement ) One thing we do know is the Regular scheduled payment can not be satisfied because of an earlier payment.
Why did AutoPay fail to debit regular scheduled payment of {$570.00} on the Regular scheduled payment date of XXXX/XXXX/XXXX? Enclosure ( Mortgage Transaction History ) Thank you in advance for acknowledging and answering this request.
Sincerely, XXXX XXXX
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| 01/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
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During the beginning of the month of XX/XX/2022 I went XXXX XXXX and was told I can not open an account due previous account. I need to pay almost XXXX dollars. I ask documentation, something visual explaining debt, date time fame and void check. I went to XXXX XXXX XXXXXXXX was told the same things. However they open an account for me but told me it will close in a week if I dont sign up for mobile banking. I went to XXXX XXXX and was told I cash a check in cash check for XXXX for checking and XXXX for the saving, and in order to pay it off I will have to pay with the manger whos is someone I speak to every time I come in bank. I also spoke with XXXX XXXX bank tried to open up account. From my understanding, I close my account due to my social security card got stolen from the job. Along with me losing my debit card. The reason they said I couldnt open acct there is because I need to have a credit score of XXXX when my credit score is XXXX XXXX points away N was advise to contact the check system. I am shock of hearing this especially since I had an account with Bank of West and process a claim then waiting on claim results my account got close. I went XXXX different bank spoke with XXXX and the manger on XXXX and call customer service representative and more. The bal is XXXX which are bank fees. I ask can I reopen another account but having trouble, however they want my money through. This bank is the bank my stimulus Check and refund goes too as well I found it strange how all of sudden when Covid-19 come now I cant open any account. Every bank manger I know them from past or went to school with. Along o feel like they are u to something can you help please. I work to hard. To deserve this. I use to before the pandemic had two to three accounts at once.
|
| 03/26/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
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I opened a 12 month CD account for {$60000.00} at the XXXX XXXX Branch of Bank of the West at XXXX XXXX XXXX XXXX, XXXX, CA XXXX in XXXX of XXXX. It renewed itself in XXXX. On XX/XX/XXXX, the maturity date and the first day the grace period, I phoned the bank and spoke to someone who identified himself as the manager. I told him I did not want the CD to renew for another 12 month term. He told me that in order to prevent the CD from renewing I would have to appear in person or send the bank a notarized letter.
In my CD contract with Bank of the West it says, '' All automatically renewing CDs with terms of 32 days or longer have a 10 calendar day 'grace period ' following the maturity date of the CD when you can withdraw funds or make changes to the CD without an early withdrawal penalty. '' Nowhere does the contract state that one must appear in person or, if not in person, provide a notarized letter of intent during the grace period.
Further, Bank of the West 's internet advertising states mobile banking customers are allowed to make : External transfers move money from Bank of the West accounts to accounts at other banks.
I am a mobile banking customer and was not offered either of these options. I was leaving that day for a 2 month trip to XXXX.I was in XXXX and on a boat for the entire grace period. I found it impossible to present a notarized letter.
I believe that Bank of the West uses this unfair, possibly illegal, practice to retain customer 's money for as long as possible. They offer a teaser promotional interest rate on CDs. When the CDs mature, they are renewed at a significantly lower rate. Then if the customer can not appear in person at the bank or can not get a notarized letter, they charge extreme penalties to withdraw the money.
|
| 11/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
Bank of the West Credit Card- I had the card roughly 8 years.
1. The card was set to expire in XX/XX/2019. I went into a bank branch to request a new card in XXXX. At the same time, I changed my address.
2. That day- my current card stopped working because they cancelled it. I was given no notification that this would happen.
3. The new card was sent to my old address, even though I had changed it. Thus, I didn't get the new card until well into XX/XX/2019.
4. I tried to activate the card. I spent over an hour on hold and being transferred back and forth before I was told the card was activated.
5. I went to use the card ... Declined. All of my recurring charges that I set up ... Declined. Bills are late because this card doesn't work.
6. I called ( XX/XX/19 ) to get a new card and close this one out. Told it would take 5-7 business days unless I paid {$25.00} to expedite the card. I explained I've already waited 2 months to get a working card ... Still would cost me an additional {$25.00} to get the card sooner. So, I cancelled the entire account.
In all of this time, every time I tried to access my rewards points, I could not because I didn't have a working card. When I cancelled the account completely, the phone rep did not mention the rewards program at all. When I tried that day to access the rewards one last time, i still couldn't log in because the rewards is tied to the card number, not my bank account.
I contacted the Bank multiple times ( XX/XX/19, XX/XX/19, 1XX/XX/19, and XX/XX/19 ) - they say there is nothing they can do and maintain that the phone rep told me my rewards were forfeit. This is not true. He was very brief and said very little about anything. The bank has not responded to my last two inquiries/complaints.
|
| 02/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Older American |
|
On XX/XX/XXXX ( est. ), Bank of the West opened a credit card account and sent me a Credit Card associated with this account. I had NEVER requested a new credit card as I have several other general credit cards, as well as a Bank of the West Debit Card and a XXXX XXXX XXXX ( at the time with over $ 1M ).
Around the XX/XX/XXXX timeframe, I accidentally used the card at XXXX for {$5.00}. Subsequent to this, no bill was mailed or emailed to me. And none since. As well I didn't receive any phone call from Bank of the West concerning this account and the {$5.00} charge.
After checking on my credit rating concerning a potential HELOC loan, I realized there was a {$94.00} outstanding charge. I then reached out to Bank of the West concerning this charge and account. I immediately paid the {$94.00} to Bank of the West and closed the account ( XX/XX/XXXX ).
I immediately filed a complaint with Bank of the West asking for them to reverse the credit reporting incident since they are responsible for creating the account/situation. they have not yet responded to me in any form.
As well, I filed a dispute with all three credit bureaus. Their response back to me indicated Bank of the West was not willing to change their representation of the outstanding account/issue.
With over $ 1M in a XXXX XXXX and several {$0000.00} in our checking account, as well an over 45 year customer of Bank of the West, I would have hoped Bank of the West would have made more of an effort to contact me concerning this issue.
finally, I find it very disturbing that a Bank can send a credit card ( without authorization ) to a customer, then report on non-payment without mail, email, or phone contact to their customer. This is misleading at best. Fraudulent in my view.
|
| 07/17/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
Servicemember |
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When I opened my business checking account, I specifically opted out of overdraft protection. I wanted the bank to decline any transaction that would exceed my balance.
Overdraft protection was added anyway, which I was not aware of until XX/XX/XXXX. By this time, I was not using the account much. A transaction for a {$69.00} subscription was processed putting my account negative. The bank did nothing to alert me of this promptly. They mailed a postcard to me, which naturally did not reach me until several days later. Several more small transactions occurred in the meantime which further compounded the overdraft " protection '' fees I was assessed. The fees added up to {$280.00}. I called and complained to online banking, and to two local branch managers. They agreed to refund {$35.00} of the fees and after more complaints, they refunded another {$35.00} for a total of {$70.00}. Despite my outrage, I remained with the bank for the time being due to the hassle of closing the accounts and switching banks.
In XX/XX/XXXX, they decided to assess a $ 25 monthly fee for simply having the account. This was the last straw. I took steps to open new accounts with a new bank and switch all of my billing over.
Today when I called to close my account, I had to wait 45 minutes on hold to get through. When I told the representative that I wanted to close the account, he launched into a sales pitch, but the line was abruptly cut. I called back, waited another 35 minutes on hold waiting for a representative and finally gave up.
This is a terrible business practice.
I want the {$210.00} they kept from the overdrafts in XXXX refunded, especially in light of the fact that I declined overdraft protection in the first place.
And I want my account closed.
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| 02/09/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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The XXXX XXXX XXXX ( henceforth referred to as XXXX ) attempted to collect a debt that where no debt validity was ever sent. XXXX claims a validity letter was sent on XX/XX/XXXX. What they fail to disclose is when it was allegedly sent to my old address in XXXXXXXX XXXX We moved to XXXX, XXXX XXXX miles away. in XXXX of XXXX XX/XX/XXXX then sent a letter explaining the account would be reported. Once again, not to the correct address and to an address we had not lived at for 6 months. XXXX cajoled and bullied me into paying a debt, as the dispute period had already ended. I never once claimed ownership of the debt, but paid it in full on XX/XX/XXXX. I did not know my rights, and would have immediately requested a debt validation letter at the time If I had known. I have since requested two of them, which XXXX says in their response in writing that they ignored. FCRA DOES NOT require reporting a paid debt. This is a practice that XXXX takes great pride in doing, valid or not. I moved cross country and was taken advantage of, the least XXXX company could do is remove the collection, one of my only negative credit marks.
What is lost in the information avalanche is that I paid on a debt that was not valid, and am now sentenced to 7 years of a negative mark that should never have been in the first place. This is disingenuous, lazy and misleading. All I ask is that they remove the report, the rest is water under the bridge. At the time of this complaint this has been marring my record for 4 years, 9 months, 10 days Calls to this company have related in the customer representative repeatedly feigning to understand what is being asked and answering questions about queries that are not being asked repeatedly before disconnecting the call.
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| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I signed an agreement with the Bank of the West to take advantage of the CARES Act where I agreed to pay my mortgage forebarance amount in full by XX/XX/2020. I specifically confirmed 3 times on the phone with the agent from Bank of the West that IF I took advantage of the forebarance program and paid all fees in full by XX/XX/2020, I would not have any adverse information sent to the credit bureaus. Knowing that I was going to sell my house and pay the mortgage off in full and all fees associated with the forebarence on XX/XX/2020, I agreed to the program.
I am now trying to buy a new home and found out that although I fulfilled my obligation by paying off my entire mortgage and all forbarence fees early, that Bank of the West has informed all of the credit bureaus that I was late with a payment. That was not what was agreed upon especially since my entire mortgage was paid off more than a month prior to my forbarence due date. This is a bait and switch and clearly is adversely impacting my credit score. Over 35 years, I have never had a late payment for any of my credit cards or loans. Now I am being penalized with a credit score deduction by over 135 points when my credit score from all agencies has hovered around 800. This predatory lending practices are horrific and are not in line with the intent of the CARES Act.
I need your support to get the " late payment '' notification to all credit bureaus reversed and a note to the credit bureas and me that they made an error and reverse the late payment notification. If you have any questions or need any further information, please email me. This is yet another financial institution taking advantage of the American public like was done in XXXX with the mortgage defaults.
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| 08/17/2018 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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In XX/XX/XXXX, my Fiancee applied for a mortgage to buy a house. He was NEVER asked if he was a veteran ( he is ). He was given a pre-approval letter for an FHA loan. He made an offer on a FOR SALE BY OWNER house. He gave the seller {$5000.00} cash and got a receipt. The loan officer then informed us that XXXX needed to have XXXX in his account. I gave him cash, so then we had to wait for 3 months so the deposit was off his statements. That was XX/XX/XXXX. Then we submitted all the requested forms and jumped through all hoops. Then the appraisal came in. There were many things that needed to be fixed, pipes had burst, new wiring, new panel, new furnace, new water heater. I spent XXXX fixing it up. It also took about 2 months to have everything done. That was XXXX, we were supposed to close XX/XX/XXXX. Then the loan officer kept telling us different amounts for the closing costs, first it was XXXX, then it was XXXX then it was XXXX. I then spoke to her boss, within five minutes he asked if fiancee was a Veteran. I said yes, so after seven months we changed to a VA loan, jumped through hoops had to have ANOTHER appraisal, fixed a couple of things, then passed appraisal. He stated closing costs would not be more than XXXX. Then loan officer tells me one day the closing costs will be XXXX, then the next day she stated we need XXXX. Loan officer aid after it passes the appraisal we can close. She got the appraisal results. Now after 6 weeks of waiting she tells me yesterday XXXX needs his XXXX. She should have told us that 6 weeks ago. Then I ask about a closing date. She won't give me one. We are VERY FRUSTRATED with this bank ( BANK of the WEST ). I asked for a new loan officer, she said her boss will call me SOMETIME today.
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| 02/07/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I received 2 letters from Bank of the West dated XX/XX/XXXX. One I received on XX/XX/XXXX the other on XX/XX/XXXX. I have a RV loan with Bank of the West. I had missed the 10 day deadline stated in the letter due to the mail. Why was not a signature required with the importance of this letter? It should be the date I received the letter, not date it was typed. Both letters were postmarked XXXX, WY. Because I did not respond within the 10 days of the date of the letter, the Recovery Department of Bank of the West ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX ) turned my account over to debt collector XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WY XXXX. XXXX ) I am currently disputing this issue with XXXX XXXX. The amount the are stating is the amount owed over the course of the loan, not the outstanding balance. If I do not pay the loan amount, there will be re-possession. I have asked both parties to reverse the action to have my account back to Bank of West. I am currently making payments towards the outstanding balance to the bank. The Recovery Department stated they could not help the mail. I lost 4 days just getting it to XXXX. I live in Georgia. In the meantime, I was sending emails to BOW customer service. I was receiving blanket responses with department phone numbers. I was inquiring about speaking with someone of authority. It never happened.
I spoke to 3 members of the XXXX XXXX XXXX times. One agent said other people had the same issue with the letters. I feel the issue could have been resolved that day. They told me they are in contract with XXXX XXXX and no way of getting out of it. I know with due diligence and getting the right parties involved, this can be reversed.
Thanks for your assistance!
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| 03/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have a Boat Loan with " Bank of the West '' .I have consistently paid my payments online, electronically through XXXX XXXX XXXX since XX/XX/XXXX. I have never changed the method or the account from which I pay my monthly loan amount. In XXXX of XXXX they misapplied my scheduled monthly payment as additional principal. After weeks of threatening phone calls from them and collection letters they acknowledged their mistake. They advised it could take 10 days for them to clear up the mistake and in order for me to avoid them adversely reporting to the credit bureau I was advised to by them to make an extra payment. To avoid the hassles of clearing up the credit report dispute with them i made the extra payment and after they cleared up their mistake, they applied it to the following month.
In XXXX of XXXX, I made my monthly payment as I always do, electonically through XXXX XXXX XXXX to Bank of the West. This time, instead of misapplying my payment, they claim to have never received it. I have received threatening phone calls daily and I am now receiving mail. I always answer their calls and/or return their calls promptly. I have disputed their claim. I have provided them with a " Tracer '' number from XXXX XXXX. I have confirmed with XXXX XXXX that the payment was received by them and I continue to be threatened by them.
The claims department from Bank of the West refuses to contact me and all my calls are intercepted by customer service who refuses to allow me to speak with anyone that can actually research the tracer number I am providing. All they do is state they will add my comment to their notes and someone will follow up. I never receive any follow up, just another collection call the following day.
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| 10/29/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Bank of the west fraud claim - bank account number XXXX Claim # XXXX Unauthorized ACH debit in excess of {$620000.00} were debited by XXXX XXXX I discovered the fraudulent charges on past statement and filed police report. I was advised I need to dispute directly with the bank/merchant to recover the stolen funds. I went back and forth with XXXX trying to resolve these but I was told I'm not the account owner of tdameritrade account and I will have to dispute directly with bank of the west.
XXXX I signed the written statement of unauthorized ach debit in branch, was advised I can only dispute charges within the last 60 days so I filled forms for total of {$620000.00} dating fraudulent charges from XXXX to XXXX XXXX I received a call from bank of the west ACH department, inquiring if I knew someone name XXXX XXXX XXXX I responded I do not know anyone by that name.
XXXX received a letter informing the claim is being investigated.
XXXX received another letter telling me my bank accounts are on investigation freeze XXXX temporary credit are taken from my bank accounts and my claim is denied. I called the ach department back and request to escalate to a supervisor.
According to the person works in the claim department The reason for declining, is that I did not report the prior fraudulent transactions before the claim, which at the very beginning of claim process I was told I'm responsible for those losses and they can not dispute anything over 60 days. Furthermore, bank of the west accused me authorize these transactions, which I never did ( thus far, no one can provide a proof of authorization for these electronic debits ).
I further attest I do not own nor benefits from XXXX products.
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| 10/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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Bank of the West was asked to submit an itemization concerning the breakdown of figures for a mortgage Reinstatement and it was discovered that payments in the amount of {$5300.00} had not been properly credited. Additionally, the P & I payment was {$760.00}, representing an overpayment from XXXX, 2006 of {$490.00}.
I was previously provided statements from XXXX, XXXX XXXX showing that the legal fees charged back to me were incurred after BOW continued to accept my monthly payments. This is in direct violation of Nebraska statutes regarding the acceptance of mortgage payments after default. These fees are not legitimate or collectible in the amount of {$1500.00}.
The appraiser called me and said that he must have access to the inside of the property for an appraisal for BOW. I informed him that the mortgage was being reinstated and that he was specifically denied access to the inside or the outside. The appraisal fee in the amount of {$370.00} is fraudulent.
In addition, BOW forced an insurance policy on the roperty where there was already XXXX in place charging {$1400.00} for it increasing my claim to {$9100.00}.
BOW previously provided figures to this agency in a related complaint none of which included the return of overpayments collected by them and the records further provided by them proves they did not.
BOW has now, subsequent to the previous reporting against them, charged {$230.00} in junk fees to my personal account. Note that after a check was paid, the balance was positive XXXX. This is subsequent to my previous complaint to your office. The information above is new information regarding the previous complaint to your office.
Your review of this matter is greatly appreciated.
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| 10/08/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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We have had a loan with bank of the west for many months sending payments to the same address which is the only address that my bank had for the online bill pay for as well as what bank of the west had on our payment booklet. For many months my bank took out the money from my checking account and sent it to the bank of the west. Bank of the west processed every payment until it came to my XX/XX/XXXX Payment when they decided they would no longer accept payments at that address. Without informing us at any point that it was not going to be accepted nor that the payments we had sent for XX/XX/XXXX and XX/XX/XXXX would not be accepted. It was n't until my bank notified me that the XX/XX/XXXX Payment had not been cashed for over 30 days. We contacted the bank of the west who were rude and disrespectful. They informed us to cancel the payment we forwarded to them and to send it a different way. So we wired them the money since we has no time without it effecting our credit. They received the payment and only weeks after processing the payment informed us they were charging a late fee. Due to the lack of communication on their end it is coating us both finically and mentality. Their lack of customer service and support has caused miscommunication and effected our credit at fault of their policy. We have asked several times to speak to someone in charge and have only been sent in circles being told no management is working at any time we call. We have asked them to listen to our situation and we are pushed aside like we are irresponsible borrowers. We have lived up to our end of the deal with bank of the west but with their unfair and decptive practices they have not lived up to treating us fairly.
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| 03/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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We traded in my wife 's XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX I called bank of the west for a payoff and was told {$21000.00} ( Note they had not included a payment made on XX/XX/XXXX.
While at the dealer I was asked to provide a Written Dealer Payoff to the dealer.
I called on Tues on XXXX I called to request the pay off be faxed to the dealer, I was informed it could only be faxed and would take up to 3 days to fax. I was quoted {$21000.00} as of XX/XX/XXXX the dealer had not received it and I called again and was told they could now email it and they emailed it but was a consumer pay off, I called back to request a dealer payoff and was told I would have to call someone else as the lease end dept couldn't put that in writing but quoted me XXXX as the dealer payoff. As of XX/XX/XXXX XXXX there was still no dealer payoff faxed and I called again and was told they would fax it immediately. I feel that Bank of the West is deliberately trying to stall this to increase the interested that I have to pay. They bounce me around to different depts and have tried to tell me the consumer payoff of XXXX which includes taxes was a dealer payoff, I clarified that this would be incorrect as the dealer payoff would not included taxes.
They will not allow the dealer to call and get this payoff so it's not costing me more to get this lease fully paid off with the trade as they continue to drag this out. I have worked with many other banks and they can get this information within mins, so not sure why Bank of the west seems not to know how to process this paperwork and continues to send incorrect paperwork They choose to not email or reply in writing so that I have no documentation to use as evidence
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| 06/16/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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The Bank of the West has the loan for my XXXX Dodge Challenger Rt. I sold it to a buyer from XXXX. The buyer sent a cashiers check to this bank in the amount of {$22000.00}. I owed approx. XXXX so the bank was to issue me a check for the difference. I called them to tell them the check would be coming and that I would not release the car until I received my part of the money. XXXX ( Manager ) stated that when I called the automated system and it stated the loan status as XXXX it would be ok to release the car to the buyer. On XXXX XXXX I called the system and my loan had a XXXX balance. On XXXX XXXX, 2015 I let the buyer have a tow company pick up the car, thinking I would be receiving my money soon. On XXXX XXXX, 2015 I had not received my check so I called The Bank of the West only to find out the cashier 's check they received was fraudulent as of XXXX XXXX, 2015. They did not notified me by phone or mail that my loan was still going to be due. They should not XXXX the loan out until 10 days or so have passed and the cashier 's check is cleared. I was paid ahead XXXX months so the payment is going to be due on XXXX XXXX, 2015. I refuse to pay them because it is their fault my car was stolen by deceit. I was trusting them to protect me. On XXXX XXXX, 2015 XXXX ( Manager ) called me and admitted that he told me it was ok to release the car when the automated system showed XXXX due and that he was sorry. He said he told me that as a courtesy. All these calls to The Bank of The West are recorded and I sent them the date and times of these conversations so they could review them, so they do have them on file.
I hope you can help me in some way.
Thank you, XXXX XXXX XXXX
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| 08/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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We bought a motorhome from a private party on XX/XX/XXXX. The purchase was financed with a loan from Bank of the West. We have paid out installment regularly and timely as it comes due every month, since XX/XX/XXXX we have been in contact over the phone with Bank of the West customer service/ title department asking them to send us the title for the RV instating we, along with the Bank XXXX lien XXXX are the owners so we can renew the registration of the vehicle with the XXXX. We were told in XX/XX/XXXX by the bank that the proper department ( title department ) was working on the transferring of the ownership with the XXXX and that they would renew the registration, but we had to wait. In XX/XX/XXXX the registration for the vehicle expired and we were told by the XXXX the bank had not processed the transfer.
We have been contacting them weekly by phone as we were not offered any other means to communicate with them, to no avail. In XX/XX/XXXX we were told they couldn't process the paperwork we need to send the smog check certificate. We promptly sent it in. They alleged not to have received it even though we sent it by fax and have the receipt. We resend it. One week later we were told we need it to send a check in the amount of {$1100.00} for the registration, the check we sent was cashed on XX/XX/XXXX, still up to today they have not processed the title.
The license has been expired since XX/XX/XXXX, the RV sits in our garage, and to this date the only document proving the RV is ours is the Bill of Sale.
No word from the bank in the last 10 days even though a Bank supervisor is trying to help us solve the problem.
We are at wits ' end, not knowing what to do.
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| 05/24/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
Servicemember |
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I received a letter dated XX/XX/2018 from my bank, 'Bank Of The West ' informing me of changes that would be accessed to my checking accounts. According to the mailing the accounts will be converted from the status of free checking accounts to what they call their Any Deposit Checking account product. A {$10.00} monthly service charge will be assessed unless there is at least one deposit made into the account for the month.
The letter also states, that a {$3.00} monthly statement fee will be assessed for each paper statement that I receive during a monthly cycle. It lists several conditions of automatic waiver to this fee, of which I do not fall under any one of, or that I can avoid the fee by signing up for their Online Banking product.
As far as their changing their free checking account product to a monthly fee account of {$10.00} per month, I guess I would have no say about if I choose to keep doing business with them, but I strongly disagree that I should be forced to have to enroll in Online Banking if I choose to receive my bank records, and statements and records in the mail, which I consider to be much more secure for my privacy, especially with the insecure nature of information and data breaches online. So, I believe that as a customer, I should be able to choose how I receive my monthly statements without being pressured to receive them one way or another.
Also, I think our mail carriers, as well as, many other blue collar jobs are under enough stress by the corporate world, along with decreased regulations, and escalating fees to customers in all sectors of finance and insurance, more and more everyday.
Thank you for any assistance you may provide.
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| 09/26/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX I discovered that {$2000.00} was taken out of my account on XX/XX/XXXX. When I called customer service to see what happened they told me that I had written two checks, # XXXX for {$1500.00} and check # XXXX for {$500.00}. I let them know they were fradulent checks. I asked when those original check numbers went through the first time and was told XX/XX/XXXX. I dont know why the bank allowed the same check numbers to go through twice. They advised me to contact bank manager on next business day and told me they would send an email to them about the situation. I went to the manager, XXXX XXXX with Bank of the West on 9/10/18. She was uncooperative and very unprofessional and kept telling me that BOTW would not take action, it was up to the bank that received the funds to take action. I went in to BOTW again on XX/XX/XXXX. Completed a notarized affidavit about checks as she still would not take action. Was assured by bank manager she would contact me on status of case on XX/XX/XXXX. On XX/XX/XXXX went back to BOTW with a letter from other bank involved that the fraud issue has been resolved and the funds were returned to BOTW. I was told that I still can not have my money because the BOTW claims department rejected the claim for no police report number. Manager never called me to let me know they didnt receive it. Filed a police report with the other party involved on XX/XX/XXXX and emailed it to BOTW manager on XX/XX/XXXX. I have been a BOTW customer for more than 10 years. I was never contacted by BOTW about ths situation, before the funds were released or after the fraud was reported. I am still currently waiting for the funds to be returned to me.
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| 07/21/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Credit decision / Underwriting
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Web |
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Good morning. This is the 5th time I have written. No solution is in site. Bank of the West seems to talk out of both sides of their mouth. They tell " half '' the story when responding and believe that it will resolve the complaint against them and their wrongdoings.
The bank ca n't have it both ways -- ignore the relevant facts and only point to the facts they feel should be looked at and support their way of thinking.
Please let me explain -- One -- BOW refused to renew my 10 year loan based on a credit score that was below their threshold for renewal -- true. But again, that is a " half truth. '' They are the ones that caused the lates on my credit report that reduced the score. In other words, they unilaterally created / lowered my credit score for which they ultimately used against me to not renew. How can that be right / legal?
Two -- For almost a year and a half, I have noted this problem as a note to my monthly payment. ( see attachment herein ) Every month, without word, Bank of the West cashed this check. They claim that there is a paragraph in our note saying they can ignore any written language on a note - true. But again, that is a " half truth. '' There is language, but it is not legal language nor is it enforceable language.
If they do n't agree, they should n't cash the check. But they have, since the beginning of last year. This is not an isolated incident, but an ongoing habit of theirs.
There is no known law that says they can proceed as they have. It is just " bully '' language by the lender.
Bank of the West wants it both ways. That is not right. Please help me to hold them accountable to what is right and the law. Thank you.
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| 07/11/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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Most recently - they closed my savings account without giving me prior notice ( of ANY KIND - no email, letter, phone call, nada ). When I called the XXXX number to ask what was going on, the woman told me she was unable to give me any information and that I needed to call the branch. When I called the branch she told me that they do n't have anything to do with closing accounts and that I needed to call the XXXX number ... ... eventually I was informed that if my account had a XXXX balance for 3 months they AUTOMATICALLY close the account - I maintain that they should be required to let me know they are going to do that ... ...
In the past year - they have replaced my atm/debit card three times - with no explanation. On XXXX XXXX I left to go on vacation and discovered that they had de-activated my atm card, stating that they had mailed me a new one that had never been activated ... .I never got the other card. Spent over an hour on the phone while they re-activated my card and then shipped me out another new one. The original rep I talked to was unbelievably rude, and put me on endless hold when I asked her to transfer me to a supervisor.
The branch notified me almost 6 MONTHS after I ordered them that they had my checks ... ..I placed that order 3 TIMES and NEVER got the personalized checks I asked for and ostensibly paid for.
Overall, the phone reps I have talked to in the last two years do n't seem to know what they are doing and they are rude.
I used to be super happy with this bank, but the last two years I have had increasingly poor service and I now have absolutely NO CONFIDENCE with this bank - where I have had an account for over 20 years.
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| 06/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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XX/XX/XXXX, I paid off the loan for my new travel trailer and printed the confirmation. Their system never generated any further information or confirmation of payoff, so XX/XX/XXXX, I called to ask when my title would be sent. I was told within five business days. After ten days, I had received nothing, so I called again on XX/XX/XXXX. This time I was told 10 to 15 business days and they had no idea where my title was at in line. I called again the next morning to attempt to speak to someone in the " back office '' the previous agent referred to and was told 10 to 15 days, and they had no further information. I called on my lunch break and this time, connected with an agent responsible for processing, who told me ( while on the phone ) that he had cleared the lien, released the title, and was processing it for shipment immediately. He said it would be sent XXXX overnight and I gave him my wife 's phone number for tracking. As of today, XX/XX/XXXX, I have no title, no tracking, and zero confirmation it has even been sent.
I'm currently on hold waiting for a supervisor, because I've just been told by another agent that the title is still sitting in this " back office '' where it hasn't been sent and they're responsible for mailing it. It took multiple attempts to even get her to connect me to a supervisor, and she claims they have no way to actually even connect with this " back office ''.
We are set to travel five hours out of state on XX/XX/XXXX to trade this trailer in XX/XX/XXXX. We can't do that without title in hand. There is no excuse for this kind of delay. This institution has multiple complaints exactly like ours online and its unacceptable.
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| 04/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I just opened a new checking account with Bank of the West on XX/XX/21. I funded the account by transferring {$1000.00} from my XXXX checking account on XX/XX/21. The only transactions that have posted to this account ( aside from the {$1000.00} deposit ) were {$1.00} or less, to establish links to my accounts at other institutions, including XXXX and XXXX XXXX XXXX.
On XX/XX/21, I received the following email from the bank : " Dear Customer, We detected unusual login activity on your Bank of the West account and have temporarily XXXX online access to protect your information. '' I called the indicated phone number to inquire as to what was going on. The agent informed me that my account had been flagged as deposit only, no withdrawals allowed. He further informed me that no reason had been given in the notes and that I needed to call or visit the main XXXX XXXX branch for further assistance.
At XXXX on XX/XX/21, I called the main XXXX XXXX branch and spoke with XXXX XXXX to see what was going on with my account. XXXX XXXX indicated the account had actually been locked down by another department at the bank - not the branch. She said she would need to make a few phone calls and would get back to me. I did not hear from her, so I called back for her the following day at XXXX. I left a message for her to call me back with the status of her inquiries. She did not respond.
Bank of the West clearly has some problem with my account but they have failed to inform me what the problem is and how to resolve it. This is terrible customer service and I am quite surprised such a good company would provide such an awful experience.
Thanks for your assistance.
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| 04/22/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I would like to submit a complaint against Bank of the West for how they process checking account transactions. I had a debit card transaction of XXXX that was pending over a weekend my account at that time had the funds. Then on Monday an individual cashed a check that I gave them in the amount of XXXX. On Monday night there was a XXXX in my account plus a deposit I made at an atm machine in amount of XXXX but was n't until after business hours. On Tuesday the bank charges me XXXX overdraft fees they processed the check first which was the higher amount which put me at a negative balance then processed the debit transaction after that causing XXXX over draft. My complaint is the debit card was sitting on pending way before a check was even processed but yet the higher amount transaction got processed first. When I asked my bank they told me that they determine which is more important and process that first. I asked them how they determine which one is more important and I was told by bank manager that they go by the higher amount in determining which one is more important. What even give them this right to determine which is more important of a transaction and if this was the case why was n't the check cashed before all my other transactions that were pending over the weekend which were all much lower then the check amount of XXXX. I will not argue against having XXXX over draft fee but I am furious that they could arrange the order of my transactions being processed. To me what ever gets posted to your account first should be processed first not whether or not a branch manager thinks XXXX transaction is more important then another transaction.
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| 01/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/22 my Bank of the West checking account XXXX was incorrectly charged by XXXX XXXX XXXX XXXX ( XXXX & XXXX ) for {$53.00}. Before this, the checking account was not used until the unauthorized charge. I disputed the charge from XXXX & XXXX through Bank of the West 's online banking system. However, when I tried to see the status update I was unable to access my online banking as they took my permissions away due to the unauthorized charge overdrafting the checking account. I called Bank of the West multiple times and they assured me that they put notes on my account regarding the situation. I was told to dispute the charge through the Collection Agency ( XXXX XXXX XXXX XXXX XXXX by someone named XXXX from the Online Banking department, which I did. XXXX also assured through a phone conversation that the charge would be taken care of since it was unauthorized and there was a mix up of disputing the charge through online banking. Today ( XX/XX/22 ) I received documents in the mail stating the XXXX XXXX XXXX spoke with Bank of the West regarding the situation, but Bank of the West decided to continue the collection. There is absolutely no way I can obtain proof from XXXX & XXXX that the checking account from Bank of the West was indeed authorized to be charged. There is also no proof that has been sent to me from Bank of the West or XXXX XXXX XXXX XXXX that either of the companies did any type of investigation into this matter. I went through the proper channels to dispute the charge and Bank of the West decided to ignore the dispute and escalate the charge off that included the unauthorized charge and XXXX overdraft fees to collections.
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| 12/24/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On XX/XX/XXXX I called into customer service at Bank of the West in inquire why my account was showing - {$27.00} on my mobile app.
The associate advised me that I was not overdrawn and had {$10.00} in my account. I asked if she could reverse 1 overdraft fee as a courtesy and she explained that she could not because I have had 1 fee reversed in the last 12 months.
I asked the associate to cancel my overdraft protection so this is no longer an issue and they said they would.
I expressed great concern that I would be charged overdraft fees so again I asked if my account was overdrawn. She immediately replied that is was not and asked me if I wanted to speak with the online dept. to learn how to read my mobile app. As insulted as I was I explained that no further assistance would be needed and the call was disconnected.
On XX/XX/XXXX ( next day ) I was assessed {$140.00} in overdraft fees and again on XX/XX/XXXX another {$35.00}. Assuming this was an error that would be cleared up by Monday I let it go.
Monday XX/XX/XXXX I called into customer service again to express my concern and requested to speak with a manager. A manager named XXXX came to the line and heard my complaint. She stated that there were no notes from the associate I spoke with on XX/XX/XXXX and that she would have to listen to the call. I advised that I would hold while she did so however she then stated that her manager had to review the call. I asked to speak with this manager but was told that they were not available and would call back. I have been told this in the past with no follow up so I feel it is necessary to being this to the CFPBs attention.
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| 06/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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We paid the loan in full on XX/XX/2021 via cashier 's check which the teller assured me would be paid off forthwith. We received full credit for the payment that evening and the loan was cleared/listed as paid off. We called and asked about the title and were told it would take up to 10 days to receive. Called today, 14 days later and Bank of the West had not even bothered to notify the DMV to release the title to us. So NO ACTION has been taken by Bank of the West, It is clear that ONLY AFTER I REMINDED THEM again that we were looking for title did they " inform me '' that they will contact the DMV to Release title. Had I not called for a month, I'm sure they would not have acted until I reminded them. This is their job!!! I know for a fact the loan was listed as paid off and XXXX balance the day after I hand walked in the funds to Bank of the West. Each time they said they were taking care of it and in actuality, they did nothing. The vehicle has been sold, however, we can not satisfy that Buyer until we get the title. The Buyer has every right to return the vehicle to us and demand his money back!!!
Bank of the West 's failure to act, its negligence, rudeness and utter lack of concern is aggravating. I've called several times and spent 10 minutes pressing buttons just to get to the right person whereupon that person put me on hold, then came back and hung up on me.
We just want the title without a lot of run around by Bank of the West. It is just ridiculous.We 've only ever had one account with Bank of the West. We paid timely every month for 169 payments, no problems and this is how we are treated. Infuriating.
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| 06/07/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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On XX/XX/2022 my debit card was stolen from me while shopping at XXXX XXXX That card was used 12 different times on XX/XX/XXXX and XX/XX/XXXX subsequent to its theft. All 12 charges occurred in businesses that I never frequent. There was even one withdrawal of {$500.00} from a branch of the bank that issued my card albeit that branch is 75 miles from my home. Ten of the twelve charges/withdrawals occurred 75-80 miles from where I live. Four of the twelve charges/withdrawals far exceeded the amount that I typically charge or withdraw. This was all done despite the fact that my PIN is committed to memory. It is not written down anywhere, and no one else knows it. Despite all this, I did not receive a fraud alert from my bank until XXXX declined a XXXX attempted charge on XX/XX/XXXX. After making numerous calls to the XXXX XXXX phone number and receiving no satisfaction, I went in to my local branch and filed a claim for all XXXX charges which totaled {$3100.00}. On XX/XX/XXXX, I received a {$2100.00} debit card claim credit via automatic deposit into my checking account which is & XXXX short of my claim. Ive spoken to customer service representatives minimally four different times asking for an explanation of the shortage. Each time I have been promised that the reviewer of my case would call with an explanation. Ive been given a time frame for the promised return call anywhere from one to three days subsequent to my call. To date, I have not received that return call. Please help me. I am a 35 year plus customer of this bank, and they have responded to me with disinterest at best and with disdain at worst. Thank you.
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| 08/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX, I contacted Bank of The West to apply for a mortgage for a 2nd home. All went well - I received a letter dated XX/XX/XXXX that my loan application had been approved. I was charged for an appraisal in the amount of {$490.00} on the XXXX.
All paperwork they required from me was sent in - I received a call on XX/XX/XXXX from XXXX XXXX at Bank of the West that we could the close as early as XX/XX/XXXX. I contacted the seller and informed them of the information regarding the close.
On XX/XX/XXXX I received a call from XXXX XXXX at Bank of the West stating that the Condo Safe Questionnare, which was not sent to the management company until XX/XX/XXXX, had come back stating the PROPERTY didn't qualify. Not that I didn't qualify - the property itself didn't qualify.
I contacted Bank of the West and filed a complaint stating they should have vetted the property FIRST to make the sure the property qualified BEFORE ordering an appraisal. If the property didn't qualify, if they had done their due diligence, even if it caused the loan process to take longer, then that information would have saved me time and money. Now I have wasted the entire month, and also incurred a needless appraisal fee.
I requested a refund of the appraisal fee from Bank of The West because they should have vetted the property and sent the Condo Safe Questionnaire IMMEDIATELY to the property manager. An appraisal should NOT have been ordered until they knew that the property would satisfy their requirements.
Bank of the West is refusing to return any/all of the appraisal fee, which I think is totally unfair and inappropriate.
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| 01/29/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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sir, this is the second time i am submitting this complaint. previous complaint on this issue brings no reply from bank. i filed the previous complaint when i was in immigration custody. following is my new mailing address.
( 1 ) : Dear CFPB. I am a victim of a fraud by Bank of West and I need your help. The details are as follows. I had a checking account with this bank. Account number XXXX. In 2012 a perpetrator made withdrawals from my account using debit card for a total of around {$6000.00}. see attached, which is a copy of bank statement. When I discovered, I filed a claim and submitted the paperwork. The bank was slow, very slow. I had a heated argument in the branch because I need the money for my business and bank did not provide provisional credit.
( 2 ) : In retaliation, the manager closed my account. notifying me that my account is closed on XX/XX/2012. After closing the account, they completed the investigation regarding the withdraws and concluded in my favor and issued a cashier check of {$6000.00} see attached which is a letter from bank notifying me that a cashiers check is issued ( not mailed ).
( 3 ) : Either way, I kept waiting for a year and keep calling the helpline. It took me 25 minutes to get hold someone and another 35 minutes to explain and seek issue for the cashiers check.
( 4 ) : After numerous calls, I received a cashier check of {$43.00} which was a joke and as a protest I never cashed it. I am deprived of my hard earned money. Please help I appreciate.
XXXX XXXX XXXX # XXXX , XXXX # XXXX, XXXX " XXXX '' XXXX, XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XXXX XXXX
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| 07/12/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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The bank was XXXX XXXXXXXX XXXX, it was shut down due to a ponzi scheme. XXXX XXXX XXXX XXXX, handled by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, phone XXXX with email XXXX informed us that the XXXX, XXXX and XXXX check they sent us were never cashed. In addition the XXXX check they claimed due to the embargo against XXXX, where we reside full time, was sent via regular post office mail, which we never received as there is no postal service in XXXX. When we tried to deposit check {$5.00}, XXXX & XXXX, they bounced because the bank that issued it, Bank of the West, XXXX XXXXXXXX XXXX XXXX stated that the signature on the issued check, not our signatures, the person who signs and approves the checks to be paid was not a recognized signature ( signature irregular ). We called the Bank of the West and they sent us to our other XXXX XXXX XXXX XXXX to deal with them. We met with XXXX XXXX and showed us how they were returned/ bounced due to the Bank of The West not recognizing the issuing signature. We have emailed XXXX XXXX XXXX and have called them numerous times and no response from them. They asked us to email them a Wire Transfer Form, which we did, and they did not take action. We have lost so much money to begin with due to the fradulent business practice of XXXX XXXXXXXX XXXX and we have to be able to recuperate at least what the Bank of The West in CA has issued. We spoke to The Bank of the West in CA and they state because it has been to long the checks expired. But they returned the checks to XXXX and by the time it was addressed now time has expired? Please help us. Thank you
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| 07/05/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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So I originally banked with XXXX but kind of got frustrated when they only let you take off a certain amount a week or use a certain amount a week. I wanted to buy a new car after saving so long so I opened an actual bank account with Bank Of The West so that I wouldnt have the limit problem. So I opened an account with them and transferred all my money from XXXX about XXXX to my Bank of the West account & closed my XXXX account. When I went to bank of the west to try and get money out they told me no it looked suspicious because I just opened the account and now I want to take {$20000.00} out so a entire month went by of them doing investigating Ive called everyday. They finally told me they was sending my transfer back to my XXXX and didnt want to do business with me ( never told me why ) I believe they racially profiled me, so I asked how will they send my money back if I closed my XXXX account they didnt have an legit answer. Two weeks went by I called XXXX they said your account is closed with us so theirs no way they can send money back I called the bank back on three way the XXXX XXXX explained to bank of the west my account closed etc so XXXX ( bank of west agent ) said ok our investigations will then have to cut me a check its been another two weeks I havent heard anything they claim they sent my money to XXXX which is impossible and still never received a check. When I call the bank they dont answer we I literally have to call from different numbers just for them to pick up as if they have caller id and see me calling or something Im just frustrated and XXXX of my money just out there missing
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| 04/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Complaint : Bank of the West has not provided the State of Ohio with funds for taxes and registration, or title for recreational vehicle purchased in my name on XX/XX/2021. Todays date is XX/XX/2021 Due to this delay I have had to purchase temporary tags for the vehicle and the tags have since expired. Bank of the West consistently conveyed unrealistic timeframes for loan approval process, and funds distribution post approval.
I contacted Bank of the West through the XXXX XXXX Website to secure a loan to purchase a recreational vehicle from a private seller. The seller and I both live in Ohio.
Working with Bank of the West was a pretty disappointing experience. My Loan Representative did not disclose realistic timeframes throughout the loan approval process and post approval. They delayed so long in fact, that I would was stuck working with them, or I would have to get another hit on my credit by moving my business to another bank. It was a classic bait and switch situation.
After months of delay after being approved for the loan Bank of the West did in fact come through with payment for the seller. However they have not yet presented the title and funds for taxes and registration to the State of Ohio.
I have called too many times to count since acquiring the vehicle. Hold times range from 40 minutes to 1.5 hours. Often times I am disconnected without reason. I have been told I would be called back and no one calls. Absolutely terrible customer service all around, but now what they are doing is illegal. Holding funds that belong to the State of Ohio for taxes and title for over 60 days.
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| 01/20/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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On or around XX/XX/XXXX I spoke to XXXX in the Mortgage Customer Services ( she refused to give her last name and i.d . ) and learned that the payments were not processed from my joint checking account, upon checking the account I learned due to processing fee for NSF the account was short. I gave my second bank account number along with the routing number after making the missed payment to XXXX. After, giving her my XXXX XXXX 's account number I changed my payment of HELOC to take out auto pay from XXXX XXXX Bank 's account. I explained this situation to the representative and told her that I changed my payment information on XX/XX/XXXX to move forward with processing from XXXX XXXX account and the representative said they don't have any information then I told her that check the recorded records of the conversation she then transferred me to another department and when I asked their names they refused to give me. I then informed the supervisor that I gave them my XXXX XXXX Banks information he said the recording does not have that information and I am wondering when the user calls the Bank it says your voice and conversation is being recorded and how come they don't have that information.
In the month of XX/XX/XXXX I came across a missed payment letter along with penalties interest and fines and this resulted in the credit rating and again on XX/XX/XXXX I processed my HELOC payment with fines.
The Bank of the West ignored and overlooked with their negligence the payment information and kept charging me multiple fines on my personal joint checking account and again on my HELOC account.
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| 02/20/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dear CFPB, I am attaching my most recent bank statement from Bank of the West.
I took a break from actively using my checking account and stopped depositing funds there. I had left {$3.00} in the account to keep the account open and in good standing. On XX/XX/XXXX, a merchant drafted the account for {$6.00} which Bank of the West covered resulting in an overdraft fee. I was not notified that there was a lack of funds to cover a charge. I did not receive any phone calls or letters. As far as I was aware, my account was still in good standing without any problems.
Then, on XX/XX/XXXX ( two months later ), I received a notice from a collection agency, XXXX XXXX, XXXX stating that Bank of the West placed my overdue account for collections. The amount owed was {$110.00}! Shocked, I contacted Bank of the West to find out what happened. I called them on XX/XX/XXXX and was advised that their phone support was unable to help so I would have to visit a branch.
Today, XX/XX/XXXX I visited the branch and was advised that they already sold the debt, the account was charged off, and there is nothing that they can do.
To summarize, over a 60 day timeframe, my account went from having a positive balance, to owing {$110.00} and having the debt sent to a collection agency. During the 60 day time-frame, Bank of the West made no effort to contact me. I didn't receive any warnings, no correspondence or phone calls.
My complaint is that I believe Bank of the West charged these fees and charged off the account as quickly as possible to ensure that there was no way that I could resolve the issue in time.
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| 07/11/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XXXX XXXX, I opened a checking and savings account at Bank of the West at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX, a banker at this branch ( NMLS # XXXX ). I made an initial deposit of {$40.00} into the checking account and {$25.00} into the savings account and I was enrolled in Mobile Banking/ Online Access ; I received a debit card on XXXX XXXX after I tendered a check deposit for {$850.00} at the aforementioned branch. I spoke to the bank manager, XXXX XXXX, on XXXX XXXX and she stated that she will try to process the check on Monday, XXXX XXXX pending a 7-day hold for new accounts. XXXX XXXX called me on XXXX XXXX and she stated that XXXX XXXX will not be able to process the check deposit and thus can not remove the hold on the deposit which I took at face value. On Tuesday, XXXX XXXX, I checked my account via the mobile app and saw to my surprise that the bank took {$850.00} for funds I did not withdraw or use for purchases. I called XXXX XXXX XXXX and she stated that the bank took the funds out of my account because the check was either fictitious or altered. However, I do not understand why they would remove {$850.00} from my account for funds that I did not take out or use for purchases when XXXX XXXX stated that she can not remove the hold on the funds. She stated that she will correct the issue that day but I never heard back from her nor was I ever able to speak with her directly as they did not want to resolve this issue promptly as promised. They even blocked me from accessing my account that day so I have no way of knowing what they did to my account.
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| 07/02/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened an account on XX/XX/XXXX under a promotion where I was to receive, by XX/XX/XXXX, {$100.00} for setting up a direct deposit and {$50.00} for for using my new debit card. I received the {$100.00} for the direct deposit but never received the {$50.00} for using the debit card. The fine print of the {$50.00} bonus was that I needed to use the debit card to make 10 debit card purchases of at least {$3.00} each for two consecutive months following the month after my opening deposit cleared. I believe I have met the terms of the promotion. My {$500.00} opening deposit cleared onXX/XX/XXXX. I used my debit card at least 10 times for purchases of at least {$3.00} each for both XX/XX/XXXX and XX/XX/XXXX. Several weeks ago I discussed this issue with a customer service agent where he said he believed I had met the terms as well, and said he was going to submit a request for me to get the {$50.00} bonus and I should receive it in 3-5 business days. That time came and went. I called again and a customer service agent was very dismissive and just kept saying I would receive it by XX/XX/XXXX. That did not happen. I called once more and the agent said he would submit a request, but had no idea what the time frame would be, who would contact me, or when. Because I believe I met the terms of the promotion, the terms explicitly stated I would receive the bonus by XX/XX/XXXX, it is after XX/XX/XXXX and I have not received the bonus, and claims made by representatives from the bank have turned out to be false time and time again, I feel like I have no choice but to file a complaint.
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| 12/01/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I signed up for a new checking account on XX/XX/18 with Bank of the West with 2 sign-up promotions.
Offer 1 : Earn up to {$150.00} for opening an Any Deposit Checking account within the campaign dates, and complete the following : {$100.00} - Establish a direct deposit of at least {$250.00} ( two or more direct deposits that add up to {$250.00} do not qualify ). Direct deposit must be payroll, Social Security, pension or other government benefits. The first direct deposit must be posted to the account by XX/XX/2018.
{$50.00} - Request, receive and use a new Bank of the West Debit Card for at least 10 point of sale purchases of at least {$3.00} a piece, per month, for each of the two full calendar months immediately following the month in which the opening deposit posts to the account. Opening deposits must be received and posted to the account no later than XX/XX/2018. All required purchases must be posted by XX/XX/2018.
I met all the requirements, and the bonus was supposed to post on XX/XX/18. I did not receive my bonus, and inquired Bank of the West why, since I met all the requirements. I find out that they charged me a fee on XX/XX/18, which should not have been charged in the first place, which overdrew my account. They are saying that because this fee that they charged that overdrew my account made me ineligible for the bonus. There is nowhere in the terms either that overdrawing the account after the promotion date would make a customer ineligible.This is completely unfair and predatory to intentionally overdraw the account in order to not pay out the sign up bonus.
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| 02/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
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I was involved in a scam where I was sent a check to be used to purchase pet supplies for a family I was to be dog sitting for. I went to my bank told them I was suspicious of the check asked for advice and was told absolutely nothing as they deposited the check into my account. They also told me the full amount of {$3700.00} would be available the very next day. When I have had checks for only {$200.00} that took multiple days to clear. Over the weekend I had a bad feeling about the check I had deposited and decided to send it back to the party who sent it to me XXXX XXXX I had been in contact with her for over a week but when I told her I would be sending the funds back she acted weird and sketchy and I knew I didn't want any part of this scam. I went to my bank Tuesday after presidents day and asked what was the most secure way to send a check or money for that matter that I could stop payment on if necessary and she told me a cashier 's check. I proceeded to get a check for the {$3700.00} minus fees and it was sent later that day. I found out XX/XX/22 that it was a bad check when my bank Bank of the West stole money out of my account because they cleared a bad check to cover their own XXXX and then I was charged an additional {$15.00} because my bank didn't notify me the check was bad until it was too late. The funds should not have been made almost immediately after depositing and because it was a bad check it shouldn't have cleared. I didn't have {$3700.00} in my account to send back to them if the check was bad. Bank of the West stole my money and they need to return it.
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| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I was charged on for the purchase of male enhancement vitamins and other products.
I contacted my bank and they refunded the funds but also initiated a dispute. The " other '' company, sent several pages over to Bank of the West which had all of my personal and bank information. They did not have my XXXX #. They confirmed that I did order the products so the bank deducted the funds again I was out of town when this purchase was made so if items were shipped, I wouldn't have been home to retrieve and I never received any type of notification about the purchase. I did not request said items. I went ahead and filed a complaint with State of Florida XXXX. They investigated as well. The company was hard to track as they didn't have a website, email address or phone #. The physical address was for a warehouse in Florida. This is the response from XXXX : " Complaint ID # : XXXX Business Name : Full Stack XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX has made several attempts to contact the business regarding the above referenced complaint. We regret to inform you that we have not receive a response.
The deductions were as follows : XX/XX/2XXXX XXXXXXXX company - XXXX XXXX XXXX FL on XXXX XX/XX/21 {$89000.00} company - GetJAVIProductscom Tel XXXX FL XXXX These amounts were withdrawn using my debit ending # XXXX. I have since replaced this card. This was a scam. I have never used any of these companies for purchases and I would never buy from a company that doesn't have a website, email or phone #.
Thank you for your time and hope this can be resolved and my I can get a refunds.
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| 10/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I had a checking account with Bank of the West prior to XX/XX/2013. I overdrafted the account and was charged nearly XXXX $ in daily overdraft fees before the funds in my savings account were applied to cover the original amount overdrafted. The account went to collections with The XXXX XXXX XXXX with a balance of XXXX $ owed in XX/XX/2013. I disputed the account and XXXX reported the account as closed to XXXX for meeting FCRA requirements for a dispute, but still lists the account open and in collections with XXXX. I reached out to XXXX and inquired when they would report to XXXX that the account was closed pursuant to my dispute. The agent advised me that she does not know why the account was closed with XXXX and repeatedly interrupted me to tell me I needed to pay the account. I advised her the account was disputed and closed and I would not make a payment until she could explain why it was closed with one bureau but not the other. The agent advised me that she did not know and it was a mistake and that all she knew was that I had to pay the account. I again asked why the account was closed with one bureau but not the other and she transferred me to a voicemail for someone else. I left my contact information and even called an hour later and was again dumped in a voicemail. I have never received a returned call from this company to explain their discrepancy in reporting to the credit bureaus. They refuse to explain why I need to pay this account that is closed, they refuse to accurately report to the bureaus, and they continue to aggressively attempt to collect this debt.
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| 10/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
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Web |
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XXXX XXXX XXXX XXXX XX/XX/2021 REPORT OF : IDENTITY THEFT Contact information : ( XXXX ) XXXX Email adress : XXXX I recently notice I was not recieiving mail from My mailing adress. First a little then a large quantity of mail was not showing up. Then I notice I would recieve notices and letters from a financail institution I did not bank with and they were late or final notices. At first i did not think much of it, then I was conversing with a collegue at work and they informed me that it sounded like early warning signs of identity theft. This has never happened to me so I did not know what step to take to protect my self from this situation I have never took on before. Once I check my credit score which my sister recommended, then I notice negative markings on my report, so then I realized I must do more research on how to report these impersonating scammers. My research led me to this website which has me now reporting this crisis in my life seems to be going thru. Here or some financial institutions which I recieve accounts under my name which I was not aware of or recall at all opening XXXX, XXXX XXXX bank of the west, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, current. I don't know how long this was in effect BUT SEEM TO ALL HAPPEN AROUND XX/XX/2021 UP IN TILL NOW XX/XX/2021 and each leaving me with a debt of thousands of dollars. Which is now leaving me stuck with negative mark on my credit score from people stealing mail from my mailing adress but have took measurments on how to prevent it from continuing much help is greatly needed please and thankyou have a great day.
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| 03/22/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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I have a HELOC line of credit at Bank of the West. I recently took an advance ( {$200000.00} ) against the line and paid it back over several payments. I made the payments at the branch. When I checked the posted date of the payments on my account they were over a week after I had made them at the branch ; 11 days for one and 8 for another. The deposits were made on XX/XX/XXXX and XX/XX/XXXXand not posted untilXX/XX/XXXX. I was charged interest for these days.
I contacted the bank and they told me that the branch system and the loan processing systems were different systems and the posted date that the loan processing department used may not be the same as the date that the payment was made at the branch. They initially asked me to prove the deposit dates at the branch by giving them the receipt ; however, I do not keep those and most people don't either. They eventually were able to confirm with the branch on the deposit date correct the error.
I have had this line of credit for several years and have taken many advances and payments. However, I did not keep track to make sure that they posted the payments correctly. I assumed since they were a bank, and everything was electronic these days, it would be done correctly. Because of this experience I asked them to audit all my payments to check posted date of the payment against the deposit date at the branch for the entire history of the line. They informed me they were not able to do this because they don't have the transaction record at the branch. I think it is absurd that they would not retain this record.
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| 04/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Ok on XX/XX/XXXX a deposit which showed pending for XXXX. It stayed pending for 3 days. In between those 3 days I have made withdraws with still clearing good staying under XXXX but I also admit after the fact made 5 more knowingly withdraws that caused overdraft of {$430.00} ( not including fees ). Monday rolls around and the bank is charging me 13 overdraft fees at {$35.00} each, on top of that I received an email from the bank of XX/XX/XXXX stating " we had a power outage which caused pending transactions to take longer than usual if you incured any fees because of this contact the bank immediately to reverse fees '' I call them and tell then my situation and the fact I made 5 withdraws knowingly I would overdraft but I will not pay for 13. They refuse to do so and yell at me on the phone with no resolution, I stay patient they would hang up the phone on my face and I would call back they would answer put me on hold for half hour only to comeback yell at me again and hang up the phone. I had to call them 5 times and they refuse to understand what I was trying to explain. It even shows on my statement as if that pending deposit was put in on the XXXX and all 7 withdraws I made with that money still kept my money in a positive balance. So they had issue with pending deposit yet refuse to admit it. I even got a call from a supervisor within the same day name XXXX who said I didn't know what I was talking about and when it was my turn to respond to her words she hangs up the phone. I have recording of all the conversations except the first 2 calls I made as well.
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| 04/18/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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Bank of the West, Co-Trustee of a family Trust for 7+ years, is currently refusing to provide a complete d XXXX for the partial year ( XXXX ) of XXXX . They continued as XXXX during this period, administering the investments of the Trust, and taking their fees, as usual. T he Trust Officer 's ( or former Trust Officer 's ) answer to the Co-Trustee 's inquiry regarding this essential tax document ( XXXX ) was : " You are no longer our customer. We do n't have to provide the XXXX for you. '' If this is not outright illegal, then at the very least, I would think it is unethical. Although they have sent a huge report listing all transactions in and out of the Trust from XXXX XXXX through XXXX XXXX XXXX , expecting the beneficiaries to condense this information into a XXXX seems a bit like a vindictive act. The Bank 's ability to render this information into a proper XXXX would likely be done via computer, and might take all of XXXX minutes. The former XXXX XXXX , XXXX XXXX , has made multiple statements to beneficiaries in the past which are either untrue, or are outright hostile. One specific one which stands out in my mind is an assertion that the money in the Trust is " our money ( meaning the bank 's ), so we will do as we please. '' T his is not only patently false, it is offensive. This particular statement is what led to the family suing to take sole control of the Tr ust from this Bank. This request was granted via an XXXX XXXX in XXXX , which is why Bank of the West is no longer Co-Trustee.
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| 12/24/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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XX/XX/XXXX - deposited XXXX dollar check XX/XX/XXXX - checked online and it cleared. Brought XXXX dollar balance to an available XXXX dollar balance. (, some credit was issued to me on top of the funds from deposited check.
That evening thee balance went from XXXX available to XXXX available dollars. Then later returned to XXXX dollar balance prior to the check being deposited via mobile deposit.
XX/XX/XXXX - A letter from Research and adjustments department was sent out informing me of a debit /credit to my account in the amount of the check due to a Mmobile deposit error and since it was presented to me as a available balance for a bbusiness day it instructed me to take my original document to the local branch and my account would bee adjusted. Thee letter apologizes for the confusion and provided a reference number which I used after the distraught banker rebuked my presentation and removed all trace of the transactional credit told me that I endorsed the check incorrectly and to send for another one to endorse properly. So 14 days later I received my next check, endorsed it like so and the check was XXXX dollars. A balance of XXXX dollars became available after depositing the check with proper endorsement and XXXX dollars nbecame available which I paid to my automobile insurance directly after. A month later I go to look for my proof of insurance and the task wasn't possible whereas the bank had stopped the check, lied about requirements for accounts and check management, and reversed the payment without my knowedge and removing from My astatement
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| 02/01/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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On XX/XX/2018 I accompanied my elderly mother into Bank of the West XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I explained to a woman that she could not hear and my mother gave explicit permission for me to answer questions for her. The account was approved, and around XXXX minutes later a gentleman by the name of XXXX XXXX - Branch Manager II Vice President came over and indicated to me we could not open an account for her because I was answering some questions on her behalf. He directly profiled me based on how I looked and how my mother looked. This was apparent. This individual should not be running any financial institution. Years later, I was having a problem with my account I opened, and he came over to me and indicated he was closing my account. Based on the fact a woman called me, about transaction history for my upcoming wedding. I have XXXX different accounts for my business. He said I didnt answer the calls regarding the account activity but this individual again passed judgement against me and without warning closed my account. Most of my personal bills and obligations come out of this account. I had multiple bad experiences with this individual XXXX XXXX - Branch Manager II Vice President who has given me no reason for his actions. I have disputes on my account now, and can not open a new account with this institution to receive provisional credit to pay my bills, which is against the law. This has caused me emotional, and financial stress. I plan on hiring an attorney regarding this situation and pursuing it as far as I possibly can.
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| 04/13/2015 |
Yes |
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Web |
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There a XXXX fraudulent credit cards that were opened and used without my knowledge over the past few years. I 've filed this report with you people numerous times and you have done nothing. This case is being investigated by the FBI, letter attached.
I have written numerous letters, made numerous calls, the Private Investigator assigned to not only mine but others in this matter have also exhausted their effortsI keep receiving letters from Bank of The West that they have turned the account to charge off. This is not my debt and they have not once called the FBI to confirmed as other creditors have that have released the debt.
I have been harassed by a man at Bank of The west by the name of XXXX ( XXXX ) XXXX and he flat out told me I was a thief and this was my debt.
Bank of the West has been very rude and called me a thief even. How does a consumer that has been issued an FBI 's victims number and pin, l having to register on the FBI 's Victims sight get treated this way????? I want you XXXX the CFPB do FINALLY DO SOMETHINE ABOUT THIS HARRASSMENT. FBI VICTIMS LETTER ATTACHED ALL THREE SHOWING THE CASE IS STILL UNDERACTIVE INVESTIGATION AS THEY HAVE PINPOINTED AT LEAST XXXX VICTIMS.
THE PROBLEM IS YOU THE CFPB HAVE TAKEN THEIR SIDE AS WELL AND NOT FORCED THEM TO CALL THE FBI TO VERIFY THIS CRIME. THE CARD COMPANIES THAT HAVE RELEASED ME FROM THE DEBT DUE TO FRAUD CALLED THE FBI AN VERIFIED. BANK OF THE WEST SAYS THEY DO NOT HAVE TO. I AM VERY DISSAPPOINTED IN THE CFPB AT THIS TIME AS WELL AS YOU ARE NOT PROTECTING INNOCENT VICTIMS.
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| 03/21/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
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I signed disclosures and locked in a 60 day rate with Bank of the West on XX/XX/2017. I received a revised loan estimate on XX/XX/2017 saying " pricing changes upon underwriter review - non QM loan '' which added {$3800.00} or .5 % discount points to our loan. However, the sales price has been the same since I opened escrow on XX/XX/2017. Prior to this incident, I kept receiving disclosures in the mail with high discount points which did n't match the advertised rates for the day. I also wondered why other banks were able to do edisclosures but this bank was the only one that sent disclosures in the mail. When I raised the issue with my loan officer XXXX, he said the rates were off in their system and that he had no idea what was going on. I was confused as to how the rates our loan officer was able to lock were higher and had much higher discount points than what was published on Bank of the West 's website and on the Bank of the West rate watch daily emails. I told him I am adamant about not paying any discount points. I asked that he send a screenshot before locking in our rate. On XX/XX/2017 that 's when I locked in our 3.375 % XX/XX/XXXX ARM rate with XXXX discount points and a {$790.00} admin fee. Also, their appraisals are {$850.00} dollars which is $ XXXX {$400.00} higher than most banks. The loan processor XXXX sent an email on XX/XX/2017 saying that my loan was approved by the underwriter and that I would get the approval in the mail. Instead, I received a revised disclosure with {$3800.00} in fees for discount points.
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| 12/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Dear Sir/Madam, Ive been a premier checking account customer of Bank of the West ( BOTW ) since XX/XX/XXXX. On XX/XX/XXXX, Ive received a notification letter ( dated XX/XX/XXXX ) from BOTW informing me that my account ( XXXX ) will be closed on XX/XX/XXXX ( transactions to/from the account will be suspended from XX/XX/XXXX ). The only reasoning that BOTM provided for cancellation of my account is that BOTW is exercising its right as stated in the letter we may close your Account at any time, with or without cause.! I followed up with BOTW branch as well as their customer service team and they couldnt provide any further details. Being a customer of BOTW, Ive never violated any of contract policy or have any dispute with them.
The fact that a regulated bank like BOTW can suddenly deny service to a customer without any proper cause and the lack of transparency in the whole process goes against the spirit of providing reliable financial service. The timing of the letter and short notice of service cancellation have caused severe stress in my side. How come an approved financial institute can act as if its operating a cartel and have ultimate authority to decide on whom/how/when to provide service to common people? In my opinion, this is an utter discrimination against a customer from visible minority. I request your office to investigate this incident and take necessary actions against BOTW so that no such incident occurs to another customer in future. Please let me know if you need any additional information.
Best regards,
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| 02/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Public record information inaccurate
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Web |
Older American |
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I believe that I have a claim under the Fair Credit Reporting Act of XXXX ( FCRA ). Recently, I discovered erroneous information on an FCRA compliant background check. This information has prevented me from being gainfully employed and from opening a checking or savings account. On XX/XX/XXXX, I ran a credit report and background check ( through XXXX ) in an attempt to again find work. I have been unemployed since XXXX. Four judgment liens appeared on my background check from Bank of the West ( BOW ). These liens are both duplicative and mathematically incorrect. Cumulatively, these liens represent in excess of $ XXXX in judgments against me, and these claims have prevented me from finding work or opening a bank account. XXXX told me that I should request that BOW remove or correct the liens because XXXX had received the information from a reputable third party source ( the XXXX XXXX Court where BOW had filed their liens ). BOW has duplicated the liens in my name and has used an incorrect base from which to calculate interest. I believe that the bank has knowingly and intentionally misstated the amounts I owe and continues to do so. I believe that their violations of the FCRA and CCRAA should include fines and punitive damages. I am seeking to file an action in either federal or state court with regard to the fact stated herein.
I have attached the multiple judgments filed against me by Bank of the West evidencing their claim of {>= $1,000,000} due. These filings are duplicative and do not represent any economic reality.
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| 11/11/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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On XX/XX/XXXX, someone walked into a XXXX XXXX, Iowa, Bank Of the West Branch and withdrew {$7000.00} using a counter check. The bank teller never checked the signature against my actual signature on file and handed the fraudster {$7000.00}. The signatures are not even close to matching, and several BOTW employees told me that checking the signature card on file was the standard operating procedure. The fraudster tried going to another BOTW and was turned down because he did not pass any of the security checks.
BOTW has completely shut my online access off for an entire week ; it just gave me a new account number that I can not use because I can not access any of my funds. BOTW had a bank teller hand out my money to a fraudster, and now BOTW is holding my money hostage and has not put the {$7000.00} back even though the XXXX XXXX police apprehended the fraudster.
Now BOTW had me drive XXXX miles to a branch in Arizona where I live for nothing because I was told they could handle it online. Then the next day, I had to drive back to the branch XXXX miles away because they forgot about the fraud affidavit. So now they keep having me fill out the wrong forms, and a week later, I still don't have access to my money in my account, and I have a business to run. Nobody knows how to do anything correctly, and it is causing me more issues and time that I do not have access to my account. I have three people supposedly helping me, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and nobody can produce a new account with access to my money.
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| 12/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Bank of the West performed a double withdrawal from my daughters account for a car loan which I am the primary loan holder and she is the comaker but it is her car in XXXX of XXXX. When she requested that the excess be returned they stated that it would take a minimum of 2 weeks to process. Since my daughter could not wait that long to get her money back she performed a stop payment of the XX/XX/XXXX payment, and then repaid the payment using a different account. My daughter was not able to use her bank account to make payments any more. My credit started to suffer this year and I began to receive higher interest rates and poor credit scores. I was not aware as the reason why.
It came to light in XX/XX/XXXX that Bank of the West was reporting that a payment for XX/XX/XXXX was never made. However, proof was faxed, then refaxed and emailed that this was not the case, and the payment was up to date. Allowing 5 or more business days each time to allow for them to examine and correct. Both my daughter and myself continued to get the run around of them not receiving the information and that is why we had to keep submitting the documents in various forms. The last conversation it was stated that we received a check refund on XX/XX/XXXX and that is why we continue to be behind a payment ; however, we never received a check. They also could not provide a copy of the check or a cancelled deposit check. We need your help to resolve this as it has seriously hurt our credit and Bank of the West has been so difficult to deal with.
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| 03/22/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I applied for a condo mortgage for a vacation property at Bank of the West through a loan broker named XXXX in their XXXX, CA office ( XXXX ). He assured me he had gotten loans approved at the exact same complex very recently. The condo association lists itself as a " condo hotel '' association rather than a vacation condo complex, and I had already had a loan fall through at a normal residential property rate with a different lender, because the " condo hotel '' association was viewed as a rental property rather than a vacation property, I insisted with XXXX that I would not spend money on another ( second ) home appraisal unless I had his assurance that I would get the loan, barring any issues unrelated to its being a condo hotel. He assured me he had just gotten a loan approved at the complex, and it should be no problem. He locked my rate at a very attractive rate ( 4.25 % ) based on my opening up XXXX bank accounts with Bank of the West, and I went ahead with the appraisal based on his assurance that I would get the loan. Bank of the West charged me {$650.00} for the appraisal, and at the end of the loan review process, the bank denied the loan for the exact same reason - that it was a condo hotel association, and they were treating it as a rental property rather than a vacation home. Understandably unhappy with XXXX for leading me on and costing me {$650.00} for nothing, I insisted he make it right and refund my money, but he did not. They cheated me out of {$650.00} and kept me from purchasing my vacation home.
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| 02/22/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
Older American |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX | XXXX | XXXX XX/XX/2023 U.S. House of Representatives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Honorable XXXX XXXX : Bank of the West closed my account with no explanation. It has taken me months, and countless hours to transfer all my affairs to a new bank. Not to mention the bounced check charges I have incurred.
After receiving the attached letters I went into my local branch on XX/XX/XXXX here in XXXX XXXX and spoke with the manager XXXX XXXX XXXX. She said she had no idea why I received the attached letters. Despite my complaints she said there was nothing she could do. I take great pride in handling my financial affairs. I pay my bills on time like my father taught me. Never in my XXXX years have I had an experience like this. Banking is a necessity in todays world. One can not function without a bank account. By the time I received the letters I had been a loyal customer for over 8-years. Why the sudden cancellation of my accounts, without explanation? Was my identity stolen? Was my account being used in a fraudulent way? Regardless, at least an explanation is in order prior to any closing of accounts.
I can not believe that a bank can treat its customers with such arrogance. Why are banks allowed to behave this way? I am very upset about this and I am seeking an explanation.
Why are banks allowed to close customers accounts with no explanation or reason?
Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau
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| 02/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I am writing to file a complaint regarding the application of payments on my RV loan with XXXX XXXX XXXX XXXX XXXX which was picked up by Bank of the West. Specifically, I have noticed that recently all of my monthly payments are being applied to the interest, despite the fact that my loan agreement specifies that early payments will have the effect of reducing the final payment.
What is odd about this matter is that initially the payments were correctly being applied to both the principal and interest. I then went ahead and made a few early payments and noticed the lender applied the amount to both the interest and principal. This practice appears to contradict my loan agreement which specifies that early payments will have the effect of reducing the final payment.
I have contacted Bank of the West to request that they modify the payments so that a portion is applied to the principal and a portion to the interest, as outlined in my loan agreement. However, they have refused to do so.
I believe that this practice is in violation of my loan agreement and may be causing me to pay more interest over the life of the loan than I should be. I would like to request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Bank of the West is applying my payments in accordance with my loan agreement.
Please let me know if you require any additional information or documentation from me to support this complaint.
Thank you for your attention to this matter.
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| 04/10/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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The manner in which Bank of the west and XXXX failed to manage my checking account is without excuse. An absolute, careless, reckless, performance from a group of people whom have all together become worthless.
They dont even know how to provide a simple debit/credit statement as you will see in their transcript. A grocery store can do a better job on the purchase receipt and these people manipulate their books with unnecessary verbiage.
First, Bank of the West ask me to close my account and open a new one, and then after I closed the account, they refused to open a new account.
Now that my account is closed with Bank of the West, I can not access my online account.
Bank of the West sent me a check with my closing balance and then I received a collection letter from a company that I have never heard of. They claim to be a Bank of the West third-party vendor, unfortunately for them, I have no knowledge of their relationship.
As you will read in our email correspondence, there is no excuse for their blatant disregard for each other and their business relationship. They both have a responsibility to honor their contractual agreement and now they want to place the blame and responsibility on me.
If they can not manage their own relationship that does not make it my responsibility to manage it for them. Im certain that they have a written resolution and neither of them wants to flip the bill for each others errors.
Therefor XXXX has decided to send me to collection, and I do not even know whom they are.
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| 03/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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We bought a truck and used Bank of the West for the loan. Everything was fine until XXXX. I was a dental assistant and was sent home from work, with no notice because of covid19. I applied for unemployment benefits but could not get any help for months. I contacted Bank of the west in XXXX and applied for help. I got their Disaster relief plan, and they told me it should be fine. Well they have been reporting the late payment on our credit report 30 and 60 day latest. Also after we started making payments they are still reporting that those months are over 30 days late and they were not. they were late but not over 30 days late. I have disputed these charges on my credit report for the last 5 months. They are still reporting these 30 and 60 day late payments. I tried calling and talking to them. They did not want to help me at all. I'm very frustrated we have paid all the payments and all their fee we don't deserve to be treated this way. It is hurting us financially. We had to sell our home to pay off our debts, and now we can't buy another home. Because of their false reporting. They also drag their heads about posting the payments. I sent our resent payment in last week. I just noticed on the print out I'm going to send you. They have not posted our payment yet. This payment history is being downloaded and sent to you from Bank of the west website! So they know we were not 30 days late. Every month when I dispute these late payments, they just change the month that they say we were 30 days late in.
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| 05/24/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I called Bank of the West on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to file all the fraudulent transactions that had happened to my account. I called back on XX/XX/XXXX, the representative who answered the phone call told me that I would get all the money credited back to my account by XX/XX/XXXX. However, I called in again on XX/XX/XXXX to get another update regarding my claims. The representative told me all the claims were denied and the reason they denied all the claims was due to some of the transactions were PIN required. In my affidavit, I already stated that my card was lost but they still told me those transactions weren't possible to be fraudulent. Moreover, the representative said since some of the transactions were PIN required, which means all the transactions were denied because of that. I don't think they do enough research and they shouldn't make decision based on other claims result. In the end, the representative even told me that I am no longer able to call in to file or dispute transactions in the future. I don't think they treated me fairly and take this matter seriously, moreover, they even violate my rights to have any reasonable questioning regarding all the transactions happened in my account. Bank of the West only try to avoid paying the customer back the money they got stolen from other people and never help the customer in any way. They lie to the customer first then find another way to stop the customer from getting their money back by the 10 business days deadline.
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| 11/01/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a checking account with Bank of the West on XX/XX/2019 with the promotional bonus of {$250.00}. The terms of the deal required 4 consecutive months of direct deposit ( of {$250.00} or more each month ) starting the month after the account was opened. Once these requirements were met, the bank would credit my account with the {$250.00} bonus by XX/XX/2019. I have attached the terms of the promotion.
I gave my employer my Bank of the West account information and they set up direct deposit to my new account, and I received deposits into my account on the following dates : XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19.
I did not receive a credit to my account by XX/XX/19. I called the bank on XX/XX/19 and XX/XX/19 to inquire about the bonus and they informed me that because there was no deposit in XXXX, I did not qualify for the bonus. I provided my employer with the new direct deposit information on XX/XX/19, but direct deposit did not start on my account until XX/XX/19 because XXXX had to verify the account, so a deposit was not made in XX/XX/XXXX. I asked the bank to honor the promotion even though I did not have a deposit in XX/XX/XXXX because it was out of my control.
I believe the requirement to have a direct deposit in the account the month after the account opens is not enough time, especially when the account is opened at the end of a month. The terms of the promotion are unfair.
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| 05/20/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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I started disputing Bank of the West credit card charges around XX/XX/XXXX. I did all things that I could think of, including filing a police report, calling the bank, going to the local branch of Bank of the West three times, filing two more reports at the local branch, filing complaints against both Bank of the West and its collection agency, which was consuming both time and money wise, as I am using a XXXX phone. It is also a very mentally agonizing experience to me. The credit card was opened using a XXXX address. I explained to the world that I have never lived in XXXX and have been living in XXXX in XXXX. We moved to the XXXX XXXX XX/XX/XXXX. Plus, they sent me the charge statement, which shows that all the online shopping was done and shipped to a XXXX address. It's an easy fix -- go to that address and ask who live there during the period these charges were made! Instead, Bank of the West chose to victimize me by ruining my credit when they sent this to the credit report companies like XXXX, XXXX, and XXXX. I'm first a victim of an identity theft, then a victim of places like Bank of the West. I told them that I can prove that I have been living in XXXX all these years, never lived in XXXX. Still they refuse to take this nasty report from credit report companies. Bank of the West needs to come up with a hard evidence to show that I'm the person who opened a credit card account, used the card without paying a cent. Otherwise, it is worse than ruining a person 's life.
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| 08/19/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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Web |
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In early XX/XX/XXXX I asked for assistance with a payment deferral due to wifes employment income being reduced. I was sent forms to sign and return which was done on XX/XX/XXXX. I was advised my term would be extended and payments rolled to end of the loan. My normal payments would resume XXXX XXXX.
I called XX/XX/XXXX their HELOC dept as XX/XX/XXXX payment showed online amount due was around {$2100.00} which was not correct and would be adjusted and to be patient. I called XX/XX/XXXX and spoke with HELOC dept and told the documents were wrong I signed and I would be responsible for those payments, although documents advised otherwise and would not send me anything in writing.
I reached out on their XXXX page XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and was told Id get a call. I got a call from there default management group alleging to be supervisor that their still working on fixing the payment due amount and would be called the following week to pay the correct amount but could not send anything writing. Its now two weeks and no call or update. My payment online now shows next due XX/XX/XXXX and amount due {$2400.00}.
Ive never been late and they are not helping nor letting me know whats going on. I want them to honor the documents they sent me so I can begin resuming payments. This feels like a bait and switch to cause me to default on an account that has automatic payments and has always been current prior to this mess. I can provide documents on what they had me sign.
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| 11/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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My husband got sick and has n't been able to work since XX/XX/XXXX. We went to the bank about our mortgage within a month of this. We have been in contact with them many times since. We have fallen behind many times since because we have had many issues with the XXXX XXXX XXXX XXXX in getting his sick pay and his XXXX. His sick pay would be held from 4-8 weeks at a time. When we did get a check we paid the note up to date. We even borrowed XXXX from relatives to catch it up and no matter what we have paid on the loan it just keeps going up instead of down. In XX/XX/XXXX we owed XXXX. on the loan now it is at XXXX. for payoff. We have tried to pay but no matter what we pay it does n't go down. W have contacted the Bank over and over and all they tell us is we are going to foreclose. We have tried to request a refinance and modulations at least 6 times since XX/XX/XXXX and have been turned down. We have decided to just sell and take what we can and move to an area that we could live easier. The Bank has put the house in for-closer as soon as we put it on the market. So we ca n't get any equity out of the home to start over. The Bank Of the West in Nebraska will not tell us when we have to get out or anything they just want us to pay the XXXX or else. We do n't know what to do. My husband is a veteran and worked for the XXXX for 23 years. I hope you can help. We make payments and it is never accounted to our bill and when we talk to them they change the rules every time.
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| 01/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX. 2021 my car was vandalized my backpack and wallet holding my driver license, is bank cards, credit cards was stolen! I called both my banks as soon as I saw my cards were missing on XX/XX/2021 it was a Saturday but I called the customer service center for both banks!!
Even though I told them about my incident, they still slowed the thief to walk in bank not once but multiple times and this person enticed my accounts!! Both my banks!! Its been so long now that I havent had access to my money! Im being treated like Im the thief! They asked me to get a new driver license number and that was so difficult to do but I showed the fraud to dmv and they helped me with new dl! I took my new dl thinking this was all needed and I would get my funds and no! They wont tell mr whats going on they keep me on hold they act like Im bothering them specially XXXX at XXXX branch for XXXX XXXX! And the XXXX lady at bank of the west she has made me cry! The woman had no right telling me if Im sure it wasnt me!!! The nerve!! Of course it was not me!! Its not my fault ur tellers are guck g away {$2000.00} then {$2800.00} at bot west!! Only with a driver license the one they stole from me! Its been months now I have no money my car is going to be repo and Im about to get eviction!! I havent been able to pay my rent Im scared! I need help they need to return my money I have no idea whats the hold up dont they have cameras??? Its clear its not me!! I filed police reports!!
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| 08/01/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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Problem : Unable to access my checking account funds at Bank of the West ( BotW ) XX/XX/2020 : Applied for Bank of the West " Any Deposit Checking '' account online, received email confirmation. Used a XXXX debit card to fund the {$5.00} opening deposit. The debit card transaction was approved and funds were taken out of my XXXX account.
XX/XX/2020 : Account approved and opened, received email confirmation. Immediately created my online banking account, was able to log in and see my routing and account number.
XX/XX/2020 : Tried to log in to online banking via webpage and mobile app, both methods showed the error message : " Were Unable to Complete Your Request Our records indicate that you dont currently have any accounts eligible for Online Banking. If you believe this is an error, please call us at XXXX XXXX XXXX ), option 3 ( TTY XXXX ). '' XX/XX/2020 : Called XXXX ( XXXX ), spoke to banker about my problem. Banker told me that he was not able to see my account on his end, and would open a case inquiry to see why my account " disappeared ''. He said BotW would get back to me in 3-4 business days. I told him that it was important for me to access my account because they took my {$5.00} opening deposit already and I wanted to use the account to receive direct deposits from work.
XX/XX/2020 : Still haven't heard back from BotW after more than 7 business days, so I decided to file a CFPB complaint because Bank of the West stole my {$5.00} opening deposit.
|
| 11/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
Older American |
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We entered into a loan with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX to refinance a XXXX XXXX XXXX. We have faithfully made all our payments on-time and have often paid an additional amount using the " Additional Principal '' designation on the payment coupon. Our goal is to pay the loan off early.
On XXXX XXXX,, 2019, during a review of our account, we noted that the bank had not directed the additional amount to principal, but had applied a portion of it to interest. We have made this additional principal for years. The coupon clearly gives the impression that Principal Only payments are accepted. And for years we have been led to believe we were getting ahead with this loan.
When we contacted Customer Service, we were told that the bank doesn't accept Additional Principal payments, despite that designation on the payment coupon. We also were told that to make a principal only payment, we would have to submit it in a separate envelope designated " Principal Only. '' We pointed out that the website clearly indicated that we had no payments due and were up-to-date on all our obligations. We believe this bank has intentionally misled us and is in violation of our loan agreement. We believe they have applied thousands of dollars designated for Principal to Interest, in violation of our loan agreement, and the directions we were given by bank personnel. Agents refuse to discuss this issue with us, telling us we have to make a personal trip to the bank.
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| 04/18/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Bank of the West has been double charging for my use of a debit card to withdraw from a NON BOW ATM during the month of XX/XX/XXXX. I understand that I may be charged by a fee for withdrawal of cash from the non bank atm by the owner of the atm and also I understand that Bank of the West will charge {$2.00} for using a NON BOW ATM. What I do not understand is that Bank of the West has charged for balance inquiries on top of the withdrawal service charge in effect doubling the cost per transaction to {$5.00}. I have no need to use a NON BOW ATM for balance inquiries as I have a BOW telephone app that provides access to my account for free. Also Bank of the West does not list any of the alleged balance inquiries on my statement but merely stated a Service charge fee that is double what it should have been. My XX/XX/XXXX statement shows 11 withdrawals from a Non bank Atm. Therefore the Service charge should have been a total of {$27.00} and not {$55.00}. The bank responded by stating that the addition fees where for balance inquiries providing me a list of dates that inquiries were made twice. They have not provided me more detailed information as to the times that such inquiries were made or if they were made at the same time as the withdrawals. Furthermore I see that balance inquires on four occasions were made twice on days that money was not withdrawn from the Non bank Atm. The bank has so far declined to credit bank to my account for the {$27.00} overcharge.
|
| 10/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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Aggressive agency continues to call a phone number that is registered to my XXXX XXXX XXXX mother asking for me. I have no idea who these people are the gentlemen that keeps calling is very rude, loud and has attempted to intimidate me and my mother with loud talk and aggressive voice tone, leaving messages after I have told them I don't know who they are I dont owe anyone any money and cease calling and to take my moms number out of your phone they have refused to do so, calling from multiple numbers from various area codes, the recent call was today XX/XX/22, where by this person once again left a message attempting to intimidate a XXXX XXXX XXXX again this is her phone, not mine and I don't owe any money to anyone when asking this person to show proof I owe any money the person attempted to trick me into saying its my debt when in fact it is not. I dont know these people I signed nothing with them or there client whoever that may be and I am being harassed and so is my mother by these people calling a phone that belongs to her top calling trying to collect on debt that doesn't belong to me I checked my credit today these people placed this on my credit report saying its bank of the west I dont have any credit accounts with bank of the west there is no wet signature with said company and otr bank of the west. cease and decease, remove the erroneous reporting and or show proof its my debt I didn't sign anything for credit with bank of the west or this agency
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| 11/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
Servicemember |
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Loan date approximately XXXX, boat loan Registration/Taxes check and paperwork submitted to XXXX Rector XXXX XXXX Co on XXXX. Which is a company selected by Bank of the West.
After a month or so I called Bank of the West wondering where my registration paperwork was. I told give it more time.
On XXXX, 100days after the loan was processed, I went to the tag office here locally and found out nothing had been done on the vessel in the state system. I called Bank of the West, I was told my case was elevated to a tier two level and i would get a call within 1 to 2 business days. 2 weeks later, no return call, so I had to call them back on XXXX. I was told then that they sent a message to the Documentation company on XXXX and no reply back yet. This is in direct contradiction to them telling me someone was going to contact me within 1 to 2 business days.
I have {$130000.00} yard decoration that I can not legally tow on the roads in the state of Florida due to no tag being issued. I can not operate the boat on the waterways due to no boat registration being issues by the state in my name.
I have repeatedly asked to speak to a manager when i call the XXXX number and the agent on the other end has just flat said no. This is unacceptable!
The title documentation company is selected by Bank of the West therefore they are the parent company and should take immediate and corrective action to get there own customer the documents needed for the vessel.
|
| 11/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened an account at bank of the west in XXXX XXXX on XX/XX/XXXX with a coupon, that advertised XXXX dollars bonus if I qualified. I did everything that was required, and advised by the XXXX XXXX, who helped me open the account.
I opened my account with XXXX dollars and deposited in my account the XXXX dollars required for the following 4 months. Now im being told a bunch of different reasons of why am I not elegible for the promotion. This is false advertisement.
the promo states : Requirements to Receive Up to {$250.00} Bonus : Open a new personal Any Deposit Checking account at a branch or account application submitted on bankofthewest.com between XX/XX/XXXX - XX/XX/XXXX with any opening deposit amount ( {$0.00} or more ). Opening deposit must be funds new to Bank of the West ( Bank ) received and posted to the account within 30 days of opening. This offer is also available for any other consumer checking account ( minimum to open {$100.00} ). UCB Student Checking and Premier Checking excluded.
To receive the {$250.00} bonus, customer must make at least one deposit of {$250.00} or more for each of the first four consecutive calendar months following the month in which the account is opened. Calendar months do not necessarily coincide with statement cycles. Two or more separate deposits in a single month that add up to {$250.00} do not qualify. Qualifying deposits must be funds new to the Bank. All deposits must be posted by XX/XX/XXXX.
|
| 07/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
Lender : Bank of the West Refinance of Mortgage on Primary residence. Disbusement date was XX/XX/XXXX.
Cash back to myself was to be {$22000.00}. This was not received until XX/XX/XXXX, the day after disbursement, even though my interest was being charged from XX/XX/XXXX. This {$22000.00} was only received after several calls to Bank of the West.
The other main reason for the refinance was to pay off high interest rate credit card debt.
This debt amounted to {$45000.00}. This was to be paid by the mortgage company directly to each credit card company. Statements from each card company with mailing addresses and account numbers were provided to Bank of the West to assist in paying these cards.
By XX/XX/XXXX I began to check if these cards had been paid and they were not. I called Bank of the West Loan officer several times and they said the payments were mailed. It is now XX/XX/XXXX and still none of these credit cards has received payment.
After a week and a half I find it hard to believe the payments were ever mailed. I asked Bank of the West for evidence that the payments were mailed and can not provide it.
In effect I am paying interest on a mortgage loan which I have not received the full proceeds from and also continuing to pay high interest rates on the credit cards.
I am also going to assert that if the APR was recalculated with this new information, that the quoted APR from Bank of the West would be out of compliance.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
I was XXXX in XXXX, XXXX. I had no contact with anyone outside of XXXX because I am a Senior Citizen and really have no one anymore. Finally a woman in XXXX asked her husband to look up my old friend on XXXX. I contacted him in XXXX of XXXX and told him I needed help with my bank account and other affairs, We contacted Bank of the West by phone and found out my bank account had been hacked. I told the Bank Manager XXXX XXXX to close my account. She said she would. I got out of XXXX in XXXX, XXXX and immediately contacted Bank of the West to find out the details of what had happened and found out they had hacked over {$10000.00} from my account through Savings. I asked the teller Feely what could be done. She said they would have to research it. Since then I went into the Bank on multiple occasions trying to find out what to do and they have drug their feet and lied to me and told me accounts have been opened in other banks and it was all lies. I contacted their corporate number and someone named XXXX XXXX contacted me in XXXX and said she was working on it and she has done nothing. I don't know what to do. What is my recourse? They told me I had to file paperwork as soon as I knew what happened but i was incarcerated. They could have sent the paperwork to me in prison when I asked her to close the account, it has an address, but they didn't. They sure threw it in my fact when I went in after I was released though. What can I do?
|
| 05/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
1 : XXXX XXXX XXXX keep taking {$1400.00} out of my checking even we made an agreement of {$230.00} per month 2 : XXXX allow me to wait 60 days no caroaument and credit card payment but still tried to charge my bank accounts in 6 loan regarding car payments. I took them of autopsy in XXXX since they double taking out my Carpayment just my XXXX was paid 3 times in last XXXX.
3 : I stop XXXX, XXXX XXXX all my credit cards payments inc car loan in XXXX since the corona virus start affecting us early XXXX close office XX/XX/14 as we where ask to do but everybody kept on trying to make me pay so my bank of the west charge me over {$3100.00} just for month of XXXX in overdraft fees I asked them to return it as they refuse so I bunch payroll taxes etc cost me over {$300.00} in payroll fees etc. My employees did not get paid. So in XXXX I had to freeze my account since all my billing insurances companies Have direct deposit with me. So its 36 different insurance companies so it is a kit if work for me to upload new checks do on and it took me 2.5 months to get a ppp loan. My rent had not been paid they are still letting checks in charging me overdraft fees even when I have money in the bank. This bank of the west in XXXX XXXX need to be discipline. I live I. XXXX XXXX small town about 180 000 and its a very hardship on me and my husband. What can I do. Please help us out here XXXX. My husband is over 80 still working and a great XXXX
|
| 07/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Older American |
|
Here 's our problem : We refinanced our RV with Bank of the West in XXXX of this year. Bank of the West, as of this date, has yet to send the title for our RV to the California DMV and as a result the California DMV has not sent us our XXXX registration and plate tags, which were due back on XX/XX/XXXX.
Here 's the chronology : We paid the California DMV for the registration fees of {$950.00} on XX/XX/XXXX, the California DMV cashed our check on XX/XX/XXXX.
We received a letter from Bank of the West on XX/XX/XXXX indicating we hadnt paid the registration fees.
We received a notice from the California DMV on XX/XX/XXXX informing us they didnt have the title to our RV and couldnt complete our registration for XXXX.
We have called Bank of the West to complain about this numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. We sent them a letter outlining the problem after our first call on XX/XX/XXXX and sent it next next day delivery on XX/XX/XXXX, XXXX tracking confirmed delivery on XX/XX/XXXX.
They have told us each time we have called that a manager would get back to us in 24 to 48 hours with an update. No one from Bank of the West has called us with an update or solution, forcing us to call them each time and go through the problem again.
Bank of the West has given us nothing but a runaround with still no solution in sight and our RV still does not have current registration and plate tags for XXXX.
|
| 10/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Older American |
|
First, I am XXXX yrs old, and on Social Security benefits as my income. As hard as I try, occasionally I am overdrawn when my bank, Bank of the West California, pays a programmed AutoPay bill on the XXXX of the month. I do not get my next SSI deposit until XXXX XXXX, XXXX. It will be more than two weeks before I can sort this out even though I have been a good customer for many years.
The bank will pay this even though I do not have Overdraft Protection. I also had one other account that tried to bill my account but that was only for {$15.00} so I guess that wasn't important enough for them to bother.
However, are there not rules against Usury? Being charged {$35.00} for an overdraft of {$88.00} is one thing, but then the bank threatens to charge an " Extended Overdraft '' fee for more than five ( 5 ) days! Isn't this called loan-sharking? Another {$35.00} for {$88.00} for five days? Give me a break. I am a senior and the bank makes lots of money on many, many fees.
Is there any way you can not only help me with this instance, but also in getting the banking laws changed to prevent this kind of predatory behavior? Man, since XXXX, and passage of the Dodd-Frank XXXX XXXX XXXX have not seen anything but consolidation of the financial industry and a deterioration in service and an increase in plain old XXXX and no one does anything about it.
Your assistance is greatly appreciated, XXXX XXXX XXXX XXXX XXXX since XXXX
|
| 12/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
To whom it may concern : my complaint is as follows, in XXXX of XXXX, our XXXX XXXX XXXX XXXX XXXX trailer on loan number XXXX, had a payoff request asked for by XXXX XXXX XXXX XXXX XXXX. A check for the entire payoff amount was submitted per loan office with XXXX XXXX According to XXXX XXXX, Bank of the West had never processed original check and it was not cashed which crested late charges. XXXX XXXX coordinated that mishap with them and supposedly all was resolved.
Bank of the West, continued to issue notices for late fees and interest fees for payment due to my account after this transaction was completed. I contacted XXXX XXXX, inquiring and was informed that Bank of the West did not process the loan payoff correctly. My apology for not having specific dates but if you check the records of Bank of the West, they have a call log as to when and how often I called and spoke with them.
Over the next 4 months to current date there have been several calls to resolve what was initially, {$33.00} outstanding. Our position on this stands firm. These charges are not legitimate, and this account must be closed and satisfied and declared PAID IN FULL AS PROMISED.
In addition, Bank of the West has the responsibility to report back to the credit agencies : XXXX, XXXX and XXXX, removing any negative and/or derogatory information reported against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Respectfully submitted, XXXX XXXX XXXX
|
| 10/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
In XX/XX/2021, I discovered quite a bit of charges made to my account which caused for me to dispute certain items. I contacted my bank and filed a complaint with CFPB. While this investigation was taking place I had very little activity on my account. After the complaint was closed I locked my card so that I could have very limited activity on my account until I was able to review my account again. Recently, I have to come to discover my bank account continues to grow into a large negative balance. So on XX/XX/2021 at XXXX XXXX I contacted Bank of the West to inquire about fees on my account when I have not used the account. There were two recent charges to my account in which I explained that I cancelled membership on this account way back in XX/XX/2021 and was unaware of these charges. Advised representative about noticing deposits on my account and on or after the deposit I keep getting charged fees which ultimately are resulting in my account being charged fees on top of fees. Representative stated she was unable to see what item or transaction the fee was for but it was for something. I asked to have someone call me and go over account with me and she stated that I needed to go into a branch to discuss my account. Advised the nearest branch is over 60 miles away and that was the only option I had. Disputed those charges AGAIN on Bank of the West account. Contacted CFPB to investigate my fees AFTER deposits.
|
| 12/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I tried to make a purchase and my card was declined. I look at my banking app, Bank of the West is my bank, and I see they charged me 5 times a fee of {$35.00} and all it states is FEE. I call their customer service line as my local branch was closed at the time. I talked to three or four different people and each one of them refused to tell me what the fees were for and insisted that I would have to go in to the branch in the morning. Irritated I finally agreed. The next morning I go into the branch and speak with the banker she tells me that I had five overdraft fees. The day the fees were charged for my end balance was {$35.00}. She tells me that my XXXX that was sent to me that day did not post until the next morning and that's why I got those fees. First of all if I couldn't use that money till the next day why did they give it to me? Second of all XXXX is instant so if it didn't post that don't make sense. Third of all why did my end balance say {$35.00}? This sounds like their mistake not mine. The banker told me she can take off one fee. Oh so I only get charged {$140.00} for their mistake rather than XXXX? I don't think I deserve to be charged when they gave me the money the day of and had they have waited till it " '' posted then I never would've got charged. This makes it their mistake I want my money back this is theft on their part. They are closing my acct and i want my money that they stole from me!
|
| 08/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Bank of the West deducted a service charge from my XXXX XXXX account ending in XXXX. The representative told me the charges would be reversed and that they had entered into the system to only do statements by email and not mail to avoid charges. The charges were reversed and I thought he had handled the matter. The following month however, I got charged for a mailed bank statement. I called Bank of the West to complain and ask them why they are charging me when the matter was handled the prior month. The customer service representative said, " yes there was a refund last month, however we will not refund you for this month because we only allow one curtesy a year. '' I told the customer service representative that I had asked for changes to my account the month prior, of which the representative obliged and ensured me my issues related to charges for statements were resolved. This customer service representative said I had to go online and do it myself. I asked for a supervisor. The supervisor got on the call and ensured me the matter would be handled and resolved within a week. She lied. Not only did Bank of the West not refund my service charge, they never followed-up by sending me a letter or supporting information to explain why they had such lapses with their customer service representatives. I want this resolved my my money returned to my account for the service fee I should not have been charged for.
|
| 06/08/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I deposited a XXXX XXXX XXXX check into my Bank of the West checking account on XXXX XXXX. I deposited the check so my Bank of the West mortgage would be paid on XXXX XXXX. The funds were in XXXX XXXX XXXX, but because this was a mobile deposit made with an XXXX, Bank of the West did not credit the deposit until XXXX XXXX. I did not learn of the delay until XXXX XXXX, and never even considered the possibility of such a long delay because all previous delays for mobile deposits had been around 3 days. So, my mortgage payment was late and Bank of the West charged me a {$35.00} " insufficient funds '' fee. When I called to complain Bank of the West reversed the {$35.00} fee, but the late payment to my mortgage is still recorded. Bank of the West told me that with mobile deposits they have the right to delay the funds for up to 10 days. That time period is wildly unreasonable. The longest lawful delay I could find for deposit times listed on the Federal Reserve website was 5 days. A ten day delay is outrageous, it is a loophole in the law and the CFPB really needs to work to see that this scam is outlawed. Please! My primary bank is XXXX XXXX XXXX and I only use the Bank of the West account for my mortgage payment. I believe Bank of the West is trying to push me into using more of their services, such as overdraft protection, by delaying as long as possible my funds transfers from XXXX XXXX XXXX.
|
| 11/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
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My wife and I applied for a HARP loan with Bank of the West and fraudulently misled on the terms of the loan. On the application, we specifically stated that we did not want an escrow/impound account imposed on the loan. During processing, Bank of the West changed our selection by adding an escrow/impound account without informing us.
While we were at the title company to sign the loan documents, we discovered that contrary to our requirements, the loan provided for the imposition of an escrow/impound account. We immediately refused to sign the loan documents. The notary then called the loan officer at Bank of the West who assured us that the issue of the escrow/impound account would be resolved at a later time and urged us to sign the papers. If we were not given this assurance, we would not have signed the papers and would have backed out of the loan.
We attempted to resolve the issue with Bank of the West. The bank told us that for this type of loan, an escrow/impound account was required by bank policy. If the escrow/impound account was bank policy, why did n't the loan officer inform us of this when we filled out the paperwork? Moreover, why did the loan officer assure us that the issue would be resolved after we signed the loan papers when he was certainly aware of the bank 's policy? This clearly constitutes fraud or, at a minimum, negligent misrepresentation by Bank of the West.
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| 02/23/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/2018, I opened an account with Bank of the West through an online promotion they have advertised. The promotion is for {$150.00} when opening an any deposit checking account and making a direct deposit of $ 250+ and/or 10 debit card transactions for two months. After successfully opening the account on XX/XX/18, providing SSN, personal information, details, I was happy to have been approved for the account, assigned a Checking Account Number and Routing number. To my surprise, Bank of the West sent me a letter explaining that they would be closing my account due to credit reporting agency. The letter stated that they have closed my account due to Credit Reporting Agency and that they have determined I am not eligible for the account. This is concerning on many levels. Bank of the West collected my information, checked my credit, obtained my SSN, opened my account, checked my eligibility issued an account number, allowed me to create an ACH relationship with another bank, accepted deposits/transfers and then wants to close my account now after continuous activity. Simply unacceptable.
This is an unacceptable banking practice and I do not believe this is appropriate considering Bank of the West 's initial application approval and subsequent closure WEEKS later. As a result of this closure, I am also ineligible for the account bonus as promised in terms and conditions.
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| 10/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I sent a cashiers check to Bank of the West via XXXX XXXX ( tracking # XXXX ) to payoff my boat loan. The check was received and signed for at XXXX XXXX on XX/XX/XXXX. As of today, XX/XX/XXXX, my payoff still has not been applied to my loan. I have called the bank numerous times and was told the payment was reversed, but they dont know why. On XX/XX/XXXX, I was told that the representative entered a research request that has a 5 business day turnaround. I asked to speak with a manager who told me that he was escalating my issue and a representative would reach out to me in 24 to 48 hours, but no one has reached out to me and it is beyond 48 hours.
I contacted XXXX XXXX ( the issuer of the cashiers check ) and confirmed that the check has not been presented for payment. Once again, I contacted Bank of the West to try to find my check and I was told that the representative thinks the check is being returned to me because the amount of the check exceeded the payoff. I can not get anyone to tell me the status of the check.
I sold my boat and this cashiers check was purchased by the buyer of the boat. He is in possession of my boat, but is unable to register it because of this issue. I can not get these people to do anything to help me get this resolved. Furthermore, each time I call, I wait on hold for a minimum of 30 minutes to speak with someone. I am fed up.
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| 02/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX was the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
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| 03/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My Ex-Wife and I recently went through a loan modification with Bank of the West. Per the terms of the modification, Bank of the West was to forgive all past due payments and roll them into the back end of the loan and consider the status of the loan current. I have filed disputes with all three credit bureaus ( 3 and 4 times each depending on the particular credit bureau XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX are the dates for XXXX ) and each time Bank of the West comes back saying the info on my credit report is accurate. The loan is now considered current but they have not reversed the late payments and my credit is still being negatively impacted. I have the signed and notarized modification letter signed by both parties clearing stating the late payments will be forgiven and the loan will be considered current. I am writing this complaint to help have Bank of the West reverse the late payments as stated in the modification or remove the account from my credit report altogether. I have called and left messages with the loss mitigation department, the last date being XX/XX/XXXX but my calls do not get returned. The loan has since been paid off but the late payments, as stated previously are still negatively impacting my credit. I have done everything possible to get this corrected including filing a complaint with the XXXX XXXX XXXX on XX/XX/XXXX.
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| 01/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Bank of the West sent me the offer and promised in their advertising the reward of {$200.00} for opening and using their credit card and after spending {$1000.00} during the first 90 days send {$200.00} to my checking account. I successfully completed the requirements of their offer. I have the email confirmation from their rewards department about completing the offer but I dont have this money. I called their customer service dozen of times, and every reps and manager promised to resolve the problem but never gave this money simply steal money. Their representatives promised to escalate my case to the upper level but till today XX/XX/2023 I didnt receive this money.
I called the fraud department of the bank where the representative told me that they have a limit of one complaint for a household and didn't take my complaint for not giving me {$200.00} reward for using their credit card as they advertised. This is false advertising and I believe that they ( Bank of the West ) stole my money.
Me and my husband we are two different persons and used two different credit cards that is why I believe we can open a class action against the fraudulent advertising and for not giving us awarded money.
I received the email with a confirmation of successfully completed the requirements for receiving {$200.00} for my account. But never received this money.
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| 01/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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The Bank of the West charged me a overdraft fee XXXX but there was nothing overdraft...
They claim that, during the day on the XXXX the account was overdrawn, however by the end of the business day, the account was positive.
Due to that, they assessed a fee.
However, they were unable to show me this on scree/in writing in any way.
They refused to email or print anything out for me and XXXX time asked me to get a calculated so they could tell me figures over the phone and I could 'work it out myself '.
I don't want compensation, I want this bank investigated please.
I have found 3 charges, now that I look back, and maybe more.
Charged for no reason, nothing bounced, nothing was overdrawn and no day shows a negative balance.
I also spoke to another Bank of the West branch about this, they said that all calculations are done at the end of business and fees are to be charged on an account at that time, not arbitrarily throughout the day at random times.
If this was the case, I would have had many many charges as my account did go under at times, and I would run to the atm to deposit what was needed.
This is clearly not the case and by them making excuses for mistakes rather than owning up, all I can think is How many people are they doing this to? How much money are they taking in 'fees ' improperly.
Thank you, XXXX XXXX XXXX XXXX
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| 03/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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On XX/XX/XXXX, we closed on a loan of {$75000.00} for a XXXX RV with Bank of the West through their loan department, Essex Credit, a division of XXXX XXXXXXXX. Our loan officer, XXXX XXXX, told us that the loan was being handled by them as well as getting the plates and the registration. Now, over two weeks later, we still do not have the license plates or registration so we can not use the vehicle that we paid for. We have been emailing and getting no answers. We have been calling and getting no return calls. We have been asking how to get the plates and registration, who do we call. Finally, we waited on hold for over 2 1/2 hours to get a person on the phone with Bank of the West, which we finally did today. Only to be told that some of the paperwork is now taking up to 4 months. This was never told to us upfront or we would not have done the loan with Bank of the West. We asked for a supervisor and we were told she was not able to transfer us. We asked for it to be escalated and we were told it could not be because it was not yet considered overdue. We asked for a contact name and number and we were told that could not be given to us. We asked for an email address and we were told that too could not be given to us. We asked to have some way of knowing when this would be done and we were told there was none and nothing we could do.
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| 06/17/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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Someone opened an account online using my name and social security number at Bank of The West the same bank that my employers payroll account is handled by. Through a credit reporting alert I found that this action had occurred and went to the branch to complain and that's when I was informed it was created online. They showed me the person pretending to be me and was the information they provided and their identification number did not match mine and I was able to prove my identity to them and at that point they said they would close and remove this account due to fraud but they still managed to attach the monetary amount to my social security number and credit report. As I told them at the time I believe that an employee of theirs had compromised my employers payroll account but they did not investigate that angle but after returning to work and asking around if this had happened to other co-workers I discovered that I wasn't the only victim. I want this this removed from my credit profile because this is fraud which we were able to determine with my meeting with the bank representative. This fraud was started on : XX/XX/XXXX and the amount in question is {$740.00}. Bank of The West did not follow up with the removal of this as promised which leads me to this complaint, I have had to file a police report and lock my credit profile.
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| 09/02/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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|
Web |
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Hi, This concern is with Bank of the West.
I opened an account after the loan officer at a branch encouraged me to open an account being the checking account would be free because of my new loan. I took his advice and decided later to open a checkingaccount with bank of the west.
A few months later, I was impacted by Covid19 and bank of the west helped me push off a few of my payment 's due to my job loss.
I received a notice my account being negative by around {$10.00} and advised over the phone my account is being charged off unless I got to a branch a pay the balance ( which I did ) and have a receipt.
My concern is I was advised I had a free account. I got in the negative because of service fees associated to the checking account. I felt mislead by the company.
I called today the 800 number for customer service to ask if my account was closed in bad standing and if I would be reported negatively with any credit reporting agency. The agent said I have to speak to the branch at phone number XXXX. Spoke to a woman and she said I don't know why the phone agent transferred you there because back office is handling this.
I asked for direction to assure I am not being reported negatively and the account is being closed with a XXXX balance. Neither person was able to answer and was unsuccessful in obtaining the information.
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| 05/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I had a buyer for my motor-coach and I requested a 10 day payoff. As ofXX/XX/2021 the amount was {$150000.00}. OnXX/XX/2021 the motor-coach was sold and the payoff was completed. Since there was a loan payment done right before the sale, an overage was created in the amount of {$2400.00}. I called Bank of the West numerous, numerous times to find out when the overage would be refunded to me. Bank of the West assured me that within the week a check would be coming to me. I never received that check. I sent a certified demand letter on XXXX with no results. Numerous more calls were made. I called and spoke with a representative who said the check must be lost and will issue a new check and send it out.I A few days later I received a check and deposited it, only to discover that Bank of the West had a stop payment on that check.I recruited help from my bank, XXXX XXXX - XXXX, Texas branch to resolve the matter to no avail. My bank Rep. XXXX XXXX called Bank of the West and spoke with an agent that assured us that a check would go out the next morning. Needless to say, I have never received a check. This entire process started XX/XX/2021 and it is now XX/XX/2021. If needed, we have letters of documentation supporting all of the above facts. Bank of the West has never disputed that the overage is owed and the amount owed is {$2400.00}.
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| 10/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
Servicemember |
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In XXXX XXXX we got orders that XXXX for iowa XXXX XXXX was imminent, month long guard before XXXX. In planning, a car loan through XXXX XXXX XXXX was contacted. We were told that we can defer the loan for time of XXXX of 400 days. In waiting for orders we attempted defferment in XXXX XXXX. The paperwork was lost and in XXXX we made XXXX payment. Tried to differ XXXX payment and it was n't applied till XXXX XXXX once again lost by company. After updating payments we sent in orders we now had in beginning XXXX XXXX XXXX seperate times per request of XXXX XXXX XXXX They said they were processing them. Many times we got calls for payment each time notifying them that we are waiting for deferment. They noted account transferred to management spoke with them. This went on till end of XXXX XXXX. I recieved yet another phone call. A ski, XXXX them to please get this strainghtened out now. They notified me there is no deferment and we need to pay approx {$1300.00} in back loan payments for it to be taken off credit report. This has negatively affected me as the significant other/co borrower and the XXXX XXXX national guard service member. Our credit report has been negatively affected and he is now worrying about this instead of the job he is there to perform. It could have been avoided by not giving false information by XXXX XXXX XXXX.
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| 01/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I responded to email offer to refi my government-backed mortgage from Bank of the West as a current bank customer.Loan officer collected my personal info, tax papers, got my credit checked and offered me 2.5 % rate for 15 years mortgage.On XXXX he contacted me and confirmed the rate and told me that also I can get credit on my closing cost account because of current mortgage rate drop. He also told me that I have to pay upfront sum of {$490.00} appraisal fee. I told him that if you sure that I can get loan, just add this amount to closing cost. He said that customers sometimes disagree with their loan terms and thats why he wants to collect money now, even if its a government-backed loan. He made a pressure on me and asked to provide credit card information or loan application will be cancelled.
I had my credit score over XXXX and salary over XXXX per year, and it was checked already.
Yesterday I got informed that now he will be able to offer me only 30 years loan with 3.5 % interest rate. Of course, this offer was unacceptable. He refuses to pay my {$490.00} closing cost back. This charge was made under pressure and can be disputed. Here is another unethical example how mortgage broker trying to get advantage of customer during pandemic time.
Information about loan officer : XXXX XXXX NMLS XXXX Phone number XXXX XXXX
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| 10/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2022 a major storm came through our area and did a lot of damage to our home and outbuilding and our rental home and outbuildings XXXX mile down the road from us.
Bank of the West ( XXXX ) is the mortgage holder on both properties- we have 2 conventional loans- one on each property. The insurance company has assessed the damage on each home/property and wrote the checks to us and the mortgage holder ( BOW ). The damage on each property is around {$100000.00} per property. BOW is telling us that they follow " XXXX '' Loss Guidelines and will only release {$40000.00} on each loan to us to make these major repairs. Then they tell us that we are required to pay for all the repairs and that the repairs must be 100 % completed before they will inspect and release any additional funds to us. Not sure how we can be expected to pay for these repairs out of our pocket since they are holding our insurance money that is intended to pay for these repairs. We have reviewed our mortgage papers and there is no mention of " XXXX '' XXXX nor any schedule in regards to release of insurance loss funds. They also tell us that if repairs are not made by a certain date that they will apply insurance funds to loan. We just want our home repaired without any hassles from the Bank! We will provide documentation if needed, Thank you!
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| 05/24/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am currently doing a Heloc mortgage with the Bank of the West, pending the final signing. When I first went to their branch on XX/XX/2022, the bank clerk told me the rate is Prime rate ( Index ) plus margin 0.765 %, if I meet some requirements ( They will put the discount on the rate. Please see the attachment ).
Even till yesterday ( XX/XX/2022 ) they informed me that the loan doc ready to sign, they stilldid n't tell me the rate has been changed. It was me insisted that I want to get a review of the docs before loan signing, just to double check if they have put all the discount on my rate, then they told me by phone that the rate ( margin ) was changed from 0.765 % to about 1.0 %.
Last week, during the loan process, I asked them very specifically that if I need to add my wife 's name to the title of property for this Heloc mortgage process. They replied says that I can add her name now or do it later without any information on adding extra margin for this case.
To get 0.765 % margin, I have done everything they asked, including deposit XXXX to my checking account in the Bank of the West for over 10 days.
And at last minute, before final signature, they told me the margin was changed due to the exception they gave me, I feel that I was cheated at the whole process. This is definitely not acceptable.
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| 09/13/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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On XX/XX/19 I made a made a mobile deposit of {$3000.00} in my Bank of the West checking account from my XXXX XXXX checking account. According to XXXX XXXX the check cleared the next day. Bank of the West put a hold on the check for 10 days. When asked why I was told because it was a mobile deposit. On the mobile app it only says in vague terms that deposits could be subject to hold. It doesnt give dollar amounts of deposits that could be subject to hold, or the number of days the hold could be for. Customer service was unhelpful in explaining why the hold was in place and how it could be removed. They kept rerouting to other areas, all equally unhelpful. Finally I went into a branch, where at first I was told all they could do was give me another number to call. When I protested that that was what I had been told multiple times, a branch employee called XXXX XXXX to confirm the check had cleared and the hold was released. Why did it take me having to go to the branch for this call to happen? This took a week of getting the run around from unhelpful employees and there was no notice this would happen. The app says funds are available in 2 days, but there may be a delay. This is deceptive and abusive. This arbitrary hold caused me not to have access to my money and caused undue hardship with no explanation why.
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| 07/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2019 I had {$1200.00} taken from my bank of the west business account I found this withdrawl on XX/XX/19 and immediately called my bank. I went in to my branch and signed the papers that were required for this unauthorized transaction.
It is now the XX/XX/XXXX and my bank tells me that XXXX XXXX will not give back the funds, so it is out of thier hands and I need to contact the entity that took the funds.
This was an unauthorized automatic withdrawl from a company name XXXX XXXX that was used to pull money from my account for some person name XXXX XXXX, who I do not know and is associated with another company called XXXX. I received theses name through my bank. They told me that I need to contact these people directly because all they could do was ask XXXX XXXX to reimburse the money and when they denied it they said it was out of their hands and closed the fraud claim. I have contacted the two companies ( only available though email neither company will talk with me via phone ) and both told me that its out of their hands and that I need to contact my bank So now I have multiple emails between me and this company XXXX and conversations with my bank and not one of them will help me. They are both passing the buck I have asked both of them for proof of authorization and neither has come through.
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| 08/16/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
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Web |
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A bank in XXXX XXXX charges XXXX each time a customer goes to an ATM other than theirs. They only have XXXX ATMS, so this is extremely awkward. This is probably the case with other banks. They just got {$5.00} of my money this month, and last month. This is a fine bank, but really?
Also, not that I have recently bounced any checks, but in the past when I did they charge a hefty fee, which is the case with any large bank, especially if they pay the fee. In order to avoid such situations, I have gone to Payday Lenders, who charge me less than the cascade of fees that would result if I did n't have them.
So I would also like to give you an idea, that the big banks could just cover the fees and charge a XXXX % fee. For instance, once I was charged {$31.00} for the bank covering XXXX cents! Would have been better if they had charged me XXXX cents for that transaction. This then led to a cascade of checks that bounced. So the banks should be required to cover bounced checks ( within a reasonable range ), but not at these huge interest rates, because interest is what these fees amount to. Then payday lenders would be out of business automatically. In the meantime, to avoid the squeeze of the big banks, payday lenders are necessary. As I said, I am happy with my bank, but just want to have these changes in the law.
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| 04/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
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Web |
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My name XXXX XXXX I would like to file a complaint aganist bank of the west which had given me a fresh start know that i was going ti be charge any monthly fee with having to make a certain amount of atm deposit which will wiave my fee that never was the case i was getting charge nonthly fee of XXXX dollar for about a year and then when i was going through a hard time dealing with covid i was in debt that left me to get overdraft and i had contact them through a personal message and over the phone they had no Sympathy for that they charge me a overdraft fee of XXXX dollar that add up to XXXX something dont know exact so i just left it alone untill i got a letter saying to make my payment to what i owe i refuse to pay knowing they coudnt work with me when this start happening hoping they would waive it to where i can still be a customer there but all im asking is to be refund the monthly charges and for the stress and i never even got my bonus as a new cumstomer opening up a checking out as they Advertise so im a unhappy customer who wasnt treated fairy itstead was put in debt with something that could be resolve if i was give a chance to fix thing instead of being in debt so im looking for action be take what i owe be waive abd refund be taken with the the promise of starting fresh and not being treat fair.
|
| 01/16/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Servicemember |
|
My father and his XXXX children ( I am one of them ) needed to remove his name/cash in 4 CD 's. The process of cashing in these CD 's at this location was long with no cooperation what so ever by the bank president or staff. The only alternative allowed us was to cash in CD 's outhside of the 10 day grace period therefore subject to penalties. These CD 's had been in this location for 28/29 years. The penalties charged were 3 % of face value on 3 CD 's with 12 month renewal and 1 % of face value on 1 CD with a 6 month renewal PLUS a {$25.00} per CD fee. The fees taken ranged from {$100.00} to {$670.00}. Also, the rate of interest receiving on these CD 's ranged from .08 % to .15 % which in our views should/is their current rate of interest since they were auto renews. Our calculations show that of the 28 years these CD 's were invested in this bank - their penalty fees took 19-20 years of interest away from the CD holders. This is outrageous. We currently worked with 4 banks and this bank was the only one that very obviously screwed its customers with their outrageous penalty fees and lack of customer service. Keeping in mind this bank was using these funds for 28/29 years at a much higher interest rate than .15 % and they now are taking away 20 years of interest income at a ridiculously low interest rate.
|
| 08/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
I have an installment loan for a boat I purchased in XXXX. I sold the boat to another individual and therefore paid off the installment loan in full on Monday, XX/XX/XXXX. I called Bank of the West ( BOW ) that day to inquire on when I would receive the title and was told it would be mailed within 7 to 10 business days. I called the next week to inquire if it had been mailed and was told the lien was still not released yet. I called this bank probably 10 times so far since then ( each time waiting over 45 minutes to speak to someone ), I've escalated this issue to multiple managers/supervisors. Each time I call I am told something completely different and was straight lied to on multiple occasions being told " it will be mailed out today '' or " it's in processing and will go out tomorrow '' only to call back the next day and it still not be mailed. It is now XX/XX/XXXX and we have yet to receive the title for this boat that we sold over a month ago. I was even told to provide a XXXX account number and they would overnight it to me, it was documented in the " work order '' and I have yet to receive any notification that the title has even been mailed out. This bank is NOT truthful to its customers and it's not following FDIC regulations regarding releasing titles after the lien is paid off in full.
|
| 06/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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|
I had {$10.00} in my account on XX/XX/XXXX. On XX/XX/XXXX my account went negative by {$19.00} & change due to renters ins being taken out. The next day, my account was negative {$24.00}, the renters ins reversed & didnt come out but the {$35.00} overdraft fee charge it my account. I transferred {$250.00} in the acct by Monday XX/XX/XXXX.. waited til today to see if the renters ins would come out again & it never did. I called Bank of the West to get the overdraft fee reversed since my acct never went negative ( outside of them charging me the fee ) after the renters ins reversed, I spoke with XXXX who stated she wasnt able to reverse it since you only get one reversal a year. So, I called the call center, I was transferred to an extremely rude supervisor named XXXX who wasnt the least bit helpful. She refused to listen to my request & just kept repeating the same information that I was going to get charged solely because the renters ins was trying to come out on XX/XX/XXXX. Explained how the branch was going to try to reverse the charge, but couldnt themselves & she just continued to be rude with no compassion whatsoever. I would have eaten the charge had the renters ins actually came out, but it didnt.. no reason to be charged for something that reversed. Completely poor customer service skills.
|
| 10/09/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
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I am refinancing my {$110000.00} home loan with a {$250000.00} HELOC.
My new rate is 2.35 % ( a major decrease in my payment ) for {$500000.00} and I would like the HELOC at Bank of the West to be {$50000.00}.
According to my lender, it requires over 20 business days to receive a subordination agreement from Bank of the West due to low staffing compared to the number of refinances their office is receiving.
This puts me outside my lock in rate and my loan officer recommend I just get a new Heloc, faster ( and much more expensive with all new closing fees {$1300.00} for {$40000.00} ).
I am in a paperwork administrative situation here. I have worked on this loan now for 3 weeks and now learning that I need to wait another month?
I called Bank of the West to fax the paperwork to XXXX, my loan officer on XXXX. I called because the bank does not answer the phone in less than 20 minutes. When I go to the branch they say I have to call the 800 number. I also sent two emails with no response. When I asked to send a complaint to management the operator gave me the address in XXXX XXXX to Bank of the West but she didn't know what department to sent it to.
My request? Their phone message could say if you would like to give us your number and we will call you back at our earliest convenience.
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| 07/21/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I submitted an application to open a checking account on XX/XX/XXXXunder a promotion to where I was supposed to receive {$50.00} by using my debit card to make 10 transactions of at least {$3.00} each for the two months following my opening deposit posting to my new checking account. The minimum opening deposit for this account was {$100.00}. I clearly chose to fund my opening deposit at the time of the application with a {$500.00} credit card deposit. That deposit posted in XX/XX/XXXX. I subsequently made the required 10 transactions in XX/XX/XXXX and 10 more in XX/XX/XXXX to meet the terms of the promotion. My account was opened on XX/XX/XXXX and I decided to link this new account to an existing checking account at another bank. They subsequently sent trial deposits totaling XXXX cents to my new account that posted on the last day of XX/XX/XXXX. The bank insists that this XXXX cents counted as my opening deposit despite them clearly being trial deposits and not even meeting the minimum amount for an opening deposit. They then claim because I did not make the debit card transactions in XX/XX/XXXX that I did not meet the terms. I believe they are both factually incorrect and being extremely unreasonable in refusing to honor their promotion. This has been an extremely frustrating experience.
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| 09/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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beginning on XX/XX/XXXX I sigmed 3 documents with Bank of the west had 2 payments delayed and gave permission for my wife to handle the account according to this bank only 1 payment was delayed and no poa was signed and they say they have my signature on a document that states only 1 delayed payment this has been changed to their benefit beginning with the fact a payment made in XX/XX/XXXX disappeared and yet we were approved for the delay which was not used. We split the payments and according to them we owed XXXX $ in late fees problem as follows they were paid XXXX $ from XX/XX/XXXX to XX/XX/XXXX regular payment XXXX that equals XXXX months if every payment was late the late fee is XXXX payment becomes XXXX that comes out to be XXXX months at XXXX that comes out to be XXXX months their numbers do not add up correctly again if you take the numbers and divide the amount by 23 months pmt shows XXXX divide by 22 months the payments come out to be XXXX XX/XX/XXXX to XX/XX/XXXX is 3 months XXXX 12 months XX/XX/XXXX to XX/XX/XXXX is 8 months however they are ignoring the XXXX delayed payment which has never been used I have gone over the numbers and they completely ignore the correct amounts and claim no payment was made in XX/XX/XXXX un true because they would not have approved a delayed pmt
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| 05/14/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened up a bank account on or about XX/XX/XXXX of XXXX shortly after i deposited 2 employment check one in the amount of {$3000.00} and my bf current employment check in the amount of {$490.00}, i had a usps money order i had purched so i also deposited that in the amount of {$990.00}. i with drew only {$100.00}, and within a day or so i went to the store and my bank card didnt work, so i called down to the bank since the customer service would not speak with me reguarding my own account. I took off work and went into the parlier ca # XXXX office to speak with the mamnager, he told me all my fund were no good and they were bad, i told him impossible because my bf emoyler i just got off the phone, and they are good plus my money order i purchese from the post office myself. He refuse to give me any print out or even the copy of the checks. later on that day i imeditaly started recieving notifacation that my acciunt was fundswere getting withdrew, i tried calling but customer service wouldnt talk to me about my account, yet i keep getting a statement showing funds being removed. how is that if my accountwas locked.. and if my checks were bad then why dont i owe the whole ammont but just {$1200.00}? I know this bank is doing something fraudly and took my hard earned money please help.
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| 08/09/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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On XX/XX/XXXX a company deposited XXXX ( money order ) this was on a thursday afternoon. Friday XXXX there was XXXX in XXXX purchases from my account then friday afternoon the money order or aka deposit was taken back. After all was said and done there was a negative balance of ( XXXX ). I tried to call the bank after XXXX and was on hold for over 3 hours. I finally got someone on the line and he said i would have to go to the bank and talk to a banker. Sat XXXX there is only one Bank of the West open. I went there sat XXXX and spoke with XXXX and was informed that there was a breach in the mobile/online banking. I was then informed that it would be 10 to 30 days to investigate what happened. It has been 28 days now and they are not refunding me the money. I see on several sites that if you go in 2 business days or less i would be responsible for XXXX not XXXX. This deposit should never even been ok 'd for use. I need this money back as now i basically went to work for XXXX for free and still have bills due. i have the copy of the statement, i have a copy of the money order that was deposited. Please advise what else i am supposed to do to retrieve my funds. When i banked at XXXX XXXX XXXX XXXX they would have held that deposit for 5 days before the funds would have been available.
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| 05/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I was contacted on XXXX XXXX 2015 from a rep for bank of the west about my father being late on his car loan..my father is in XXXX vet and his vehicle is a XXXX for his needs. He had auto pay with this bank and someone stopped the auto pay so his payments have n't been made I have power of ATTRONEY on my fathers behalf and they refuse to knowledge it. XXXX XXXX and I had a verbal agreement on that I will make a payment on the XXXX of the month. As of XXXX XXXX 2015 at XXXX the van was repo. I did do the calculation onpayments and they are saying XXXX is behind when its behind XXXX for XXXX months and they refuse to show me a bank statement report on my account. They refused payment which I know is against the law and breaking a breach of contract correct.? I did file a complaint with local police and ATTRONEY did file a cease and dismiss claim XXXX weeks ago for hardship for of finances and they were served with the it. Since they violated the law I 'm I able to get my vehicle back and payment for this. MY fathers health due to all this harrsement has put a toll on him FOR the worst the bank took his independence away and wo n't take blame on their wrong doing and not working with us but against us. They put a hold on my fathers account holding funds so my father will lose everything.
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| 03/06/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/XXXX a check went through for amt {$91.00} and cleared at that time. Since then I have been charged overdraft fees and other fees in conjunction with this check on the following dates. XX/XX/XXXX {$70.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX $ XXXX {$30.00}, XXXX {$35.00}, XXXX {$70.00} and today XXXX {$30.00}. I spoke to the Branch Manager XXXX with Bank of the West today and she stated I was charged these fee 's associated with the above check # because the retailer was trying to put through a {$30.00} retry fee ( which I was already charged on XXXX ) and I didn't have enough money in the account? Which is strange since I get direct deposit from Social Security Disability each month on the XXXX. Basically, Bank of the West is making a lot of money off people by continuing to charge accounts over and over again on a item that has already been presented and cleared! When I asked why then am I being charged their overdraft fee of {$35.00} on a check that went through she said because I didn't have money in the account so bank of the west charges {$35.00} a day until money is posted to the account. I wouldn't be overdrawn if they didn't keep charging overdraft fee 's on a check that went through a month ago!!! It will never end and I will never get my account caught up.
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| 11/16/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
Older American, Servicemember |
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At the end of XX/XX/XXXX, my mother ( age XXXX and XXXX ), and I opened a " XXXX Checking Account '' at Bank of the West. During the period that we had this checking account we took advantage of the Bank 's Bill Pay Service ( " BPS '' ). While the BPS was active we were charged many hundreds of dollars in " courtesy fees ''. Initially, these fees went unnoticed. However, by XX/XX/XXXX the annual statement shows fee charges of {$2000.00}.
The Bank of the West operates under a fiduciary duty to their customers. Fiduciary duty means that the Bank has a duty to place the customers interest before the interest of the Bank of the West and its stakeholders. In our case the Bank has successfully avoided its fiduciary duty by programming their computers to charge customers a XXXX to XXXX XXXX dollar Courtesy Fee without prior notice, without cap, and without conscience.
The annual fee charged by Bank of the West during XX/XX/XXXX was nearly twice the amount that my mother receives monthly. Meaning that the Bank has stolen two of her twelve monthly Social Security payments. This behavior is simply unconscionable when dealing with a customer who is senior citizen on a fixed income.
I closed this account after learning of the excessive and unstoppable fee scheme in XX/XX/XXXX.
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| 04/10/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Cashing a check
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Web |
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I stop by Bank of West branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I request a check to be cash it. I was questioned, if I were a Bank of the West customer? I respond it with a NO. I was explain that in order for them to cash my check they will deduct a charge of {$7.00} dollars, XXXX XXXX XXXX question me, why I did not cashed at my bank?, Reluctantly, I request for the check to be cash it. XXXX XXXX request my California ID and proceed to write down my license number and all the information in my clients check. I stop her, I told her clearly, I was not giving permission to provide my personal information to my client or anybody else, she could write the information into the bank computer system but not to my client trough the check.
XXXX XXXX told me that it was procedure and if I want the Bank of the West check cashed, she will need to do written down in my clients check. I told XXXX XXXX that was not true and I need it to speak with her manager, her respond was that she was at lunch, if I want it to wait for her. I request for the check to be return it to me, that I will complaint about the charge to cash a {$500.00} dollars check and to the fact the she was giving my personal information to the check account holder without my permission.
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| 10/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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XXXX I deposited a check made payable to my mother that was signed over to me. The bank did not allow this and XXXX debited my account for the amount of the check. Also on XXXX the bank put a deposit hold on the check debiting my account for the amount of the check and that is still posted to my account. So they have debited twice for the same check. I contacted the bank XXXX to correct the error. I sent them a message through their app and called. It was corrected only to be reposted the same way the next day!!!! I contacted them again and they fixed it again then reposted it the same way debiting twice the next day. Today XXXX I sent several posts through the app with no response and also called. I was placed on hold for over one half hour then the line went dead. I called again and was again placed on hold. I sent another message through the app which has not been answered and my account not corrected. I called the corporate office and was put through to voicemail. My account is in the negative due to this erro and the bank is now charging me fees and returning items. I initially deposited {$2000.00} cash and that amount has not been used. I also have {$2000.00} in a savings account. I need help correcting the errors to my checking account with Bank of the West.
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| 07/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Loan was requested for a new RV thru XXXX XXXX ( Essex credit ). The day after the loan was funded ( XXXX ) I recieved a call from a stranger in NY ( XXXX ) miles away stating they had recieved all of my personal information in the mail, from XXXX. At this point the stranger in New York is able to tell me my wifes and I Social Security numbers, address, wages and anything else that one would hope a bank wouldn't carelessly give out. I immediately reached out to the loan officer XXXX XXXX and explained that I was very upset that they would let this happen, and I expected some answers. XXXX said I would hear somthing back from his boss the next day. A week went by and I never heard anything, so I called XXXX back and he gave me his bosses number. I called XXXX 's boss and he said that they were sorry but it was just a human error ( he didn't seem to take it as serious as I think it should be ). He did say that i would be recieving something in the mail explaining what they were going to do about the error. As of today XXXX I have never recieved any letter or even a phone call to explain what's going on. The bank gets off free and will still get thousands of dollars in interest with no consequences to the damage that has taken place because of their misstake.
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| 02/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I applied for a credit card with the bank, and was approved. I did not receive the card, and apparently it was stolen before arriving at my house. XXXX fraudulent charges were made on XX/XX/XXXX. The transaction amount totaled around {$2100.00}. A few days later, I found out about them due to a fraud alert service. I immediately called Bank of the West to report the card lost.
Due to my e-mail address not matching their records ( but everything else matching ), Bank of the West said I had to go to a Bank of the West branch to dispute the charges. I did so on XX/XX/XXXX. There, I spoke to a teller, who called the credit card service, and I was able to dispute the charges. I was told they'd mail me confirmation of the dispute, which I never received in the mail.
Per the Bank of the West 's advice, I also filed a local police report, and an identity theft report with the Federal Trade Commission.
Since then, I've been periodically calling the Bank of the West to inquire the status of the dispute. One time they told me it would take up to 30 days. That has since passed. Today, XX/XX/XXXX, they said it will be 2-3 weeks until it might be resolved.
This is by far the longest I have ever had to wait for a credit card dispute to be resolved.
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| 03/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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My name is XXXX XXXX and my social security is XXXX. My account number is XXXX. I hope that someone at Bank of the West can please help me close my account properly and send me a cashier 's check for XXXX as soon as possible. This money was a lifeline to help my business and I out during this difficult time and to be completely honest I really could use the help. The thing is I understand that my account was a personal account but I have a business account at XXXX Bank and I was in the process of transferring the funds from my bank of the west account to XXXX account number XXXX and routing number is XXXX. When I applied for the loan I didn't have my business account finalized so I had to make the choice of using my personal bank of the west account or not have my paperwork in on time and miss the opportunity of getting the loan. I was hoping you would be able to transfer the funds to my business account since you are closing my bank of the west accounts. If you can not do that then If you can please let me know when the cashiers check will be mailed to me as I am really trying to make sure this happens as soon as possible. I really appreciate your help in advance. I hope this complaint gets to the right department as soon as possible.
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| 04/14/2020 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Banking errors
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Web |
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I started the process to file a claim for a fraudulent purchase with my bank, Bank of the West, on XX/XX/2020. The claim regarded concert tickets that I bought online, but I later realized the site was likely illegitimate. The total amount for the tickets were {$910.00}. Working with my bank, I turned in affidavit paperwork on XX/XX/2020 at my local branch. On XX/XX/2020, I received notice of the denial of my claim. Per my interpretation, I was denied because there is " documentation to prove the cardholder is in possession of and/or using the merchandise ''. The bank accepted several pieces of faulty evidence and/or inconclusive evidence to come to this decision. One piece of evidence implied that I had already attended the concert which has not occurred yet. In addition, I still have yet to receive any physical or electronic ticket. I had went to my local branch to appeal this decision based off of the false conclusions they came to. I had also called a customer service phone number that they provided to me. However, I have been repeatedly told that the claim can not be reopened, and they have failed to supply me with sufficient information regarding how I can appeal a decision that was not justly made or thoroughly investigated.
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| 06/04/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I live in XXXX and I purchased a car in XXXX XXXX, when i purchased this car i recieved a bank loan from bank of the west. Everything was fine till I called the state of XXXX and asked them what I need to get my vehicle licensed. XXXX dmv is telling me that the bank is supposed to send them the title due to the title being a XXXX title, the bank on the other hand is telling me that the dmv is supposed to request a copy of the title from the bank. I 've called on several different occasions asking and the bank first told me they lost or misplaced the title. Then the bank branch XXXX called me and said they would be sending the title out soon, but two days before that i had a voicemail from bank of the west saying they sent the title out already. I 've been getting blown off by everybody i call with a different story everytime at this branch as well. The bank of the west branch is located at XXXX XXXX XXXX in XXXX, XXXX. I just need to have the bank quit telling me lies and send the title to XXXX County dmv in XXXX XXXX, XXXX and i can not get anyone to send it so i can be LEGAL driving my vehicle. the dmv will not give me a license plate until I have the title or they have it sent to them, there is no professionalism at this branch.
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| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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This complaint is in response to the Bank of The West account. They stated that I made a payment last year. I have not made a payment for YEARS. I need proof that this payment was made by me. Also this account has been on my credit for 13 years. I have made several attempts to resolve this debt in that time but never can really come to an agreement with y'all. I paid the debt 3 times now and you have repossessed the RV, you have made a lot of money off of my deal with you and although i did default you got your money 's worth and continue to ruin my credit. Again I have not made a payment to you in a really long time. This debt is super old and i do not owe you this debt. I did not make payment last year, i refuse to make any payments and i have for a while now since you're very difficult to work with. I need an itemization of the payments i have made including account numbers so that i can match those to my records. Regardless I need this debt removed from my credit file. It has been there for 13 years and if i need to contact he attorney general and file more complaints i will. You are erroneously reporting and adding payments to my account to restart the statute of limitations and i will not let you continue to hurt my scores.
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| 09/02/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Bank of the West XXXX, NM CD Account number XXXXXXXXX opened on XX/XX/XXXX. The CD was opened as a 3 Month Maturity Date of XX/XX/XXXX.
What happened : On XX/XX/XXXX I opened a Certificate of Deposit for {$100000.00} through Bank of the West XXXX XXXX, XXXX Branch Manager at XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX Direct XXXX Fax XXXX Email XXXX Documents on Hand : I have the original certificate document from provided by MrXXXX XXXX XXXX from Bank of the West for the CD as it was issued on XX/XX/XXXX. However, the CD was never funded, the funds were never deposited to this CD. As of today, XX/XX/XXXX, the CD account today shows a XXXX balance and Bank of the West will not tell me why or how the funds were disbursed.
Complaint to Bank of the West : On XX/XX/XXXX I called Bank of the West main telephone number XXXX and issued a complaint about Fraud due to the funds never deposited to this CD on XX/XX/XXXX to an Escalation Manager named XXXX employee ID XXXX. She could not understand what happened or where the funds were disbursed and was going to escalate to the Regional Manager. The Regional Manager never called. In addition, my online access to this account was denied to print additional documentation.
Please help.
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| 07/13/2015 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
Older American |
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My mother and I are co-trustees on a Bank of the West personal trust checking and savings account. My mother is in-home care under XXXX, and she requires 24/7 care. I have been handling her personal finances for years using Bank of the West on-line banking. The on-line account with all of her important payees was XXXX XXXX/XXXX/15 by the bank due to retaliation for my requesting a written explanation why a payment scheduled for XXXX payment was late. The payee was furious after receiving yet another delayed payment. I used the on-line system to register the complaint XXXX/XXXX/15 in order to have an official record. Late payments have been going on for months, and I have been reporting into Executive Office, which has not offered any remedy. The bank is not taking responsibility or even acknowledging late payments, and XXXX the on-line account I 've always used, which cut me off from accessing all the records I 've established to appropriate handle my mom 's money management to timely pay all debtors. This is elder abuse because it has created a situation impacting payments necessary to ensure my mom 's needed care and well being. Their late-payment processing and lack of taking responsibility for it are unethical. HELP PLEASE!
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| 09/21/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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I have been a longtime customer at bank of the West. I recently received a letter regarding a new {$10000.00} credit card I had been approved for, which was followed by the actual card. I had never applied for a credit card so I contacted the bank. I explained to them I had never applied for a credit card and wanted this closed and an explanation on how this could have occurred. I was told that there was an application and I requested a copy be provided for my review. The call agent closed the account ( which I verified the next day ) and said a copy of the application would be sent to me.
After a week passed and several confusing calls from the bank, I did contact an employee today who explained that the application was received over the phone and that I would not be receiving a copy of it. I stated that I still wanted an explanation of how this could have happened. After a few minutes the agent asked if I had ever spoken to XXXX at the XXXX XXXX, which I stated no I had not. The agent explained they would have to contact a supervisor and get back to me.
With the situation at XXXX XXXX and the risk of identity theft, I am concerned that either I am victim of identity theft or Bank of the West has the same issue as XXXX.
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| 04/12/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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This is regarding a banking institution known as the Bank of the West. I opened a checking account two months ago. The account held an appropriate balance until The COVID-19 Crisis consumed the entire world. My only source of income, the XXXX industry in XXXX XXXX CA, has been closed for the foreseeable future. There were a small number of checks written just as this virus descended on the United States. My checking account became overdraft as I have no money available to me. I called the bank directly, telling them that I would like for the account to be closed given the situation. I was told by customer service that the account can not be closed until the account is brought current. In the meantime, they are charging multiple fees each and every day for these checks. This seems unjust business practice. The country is closed down and thousands of people have lost their jobs. in fact, they have no way to feed themselves. yet the Bank of the West continues to make money on the less fortunate. Threatening that until they are paid in full the fees will continue for 45 days. At that juncture, they state that they will send the account to collection. This seems illegal and unethical. May I please ask for your help. Thank you.
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| 03/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Older American |
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We have had fraudulent use of our credit cards over the past few years, so we applied for a new card with a smaller company. We charged about {$1000.00} on the card and signed up for online statements. We waited for a statement that did not come. We kept getting error messages that stated " Online banking is temporarily unavailable. '' We called numerous times to see why the password was not working. We were on the phone with Bank of the West customer service for over XXXX XXXX hours one time with them trying to get into our account. Finally, we asked for regular mailed statements so that we could verify that the charges were legitimately ours. We made a payment of that amount, but did not include the late payment fee that they charged us -- which was not our fault as the company could not get us an invoice, and the customer service rep stated that we would not have to pay. We canceled that card as we saw that this bank could not properly handle credit cards. The bank has sent us more invoices with late fees on top of late fees. We have phoned and written numerous letters to the bank to try and resolve this problem, but they simply do not understand that we do not owe them late fees and continue to send us late notices.
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| 02/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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On XX/XX/XXXX I sold a diamond ring to someone on XXXX market place for XXXX dollars. I then transferred the funds into my checking account from cash out on XXXX XXXX XXXX Then on XX/XX/XXXX cash shop withdrew the money back out of my account without my knowledge or consent. I contacted the bank customer service and filed a dispute with regards to the funds then taken from my account. Where I believe the bank was at fault for for allowing cash out to withdraw {$400.00} for my account making my account be negative. For Bank of the West and give me the opportunity contest or see what my side of the story was in regards to this action against my account. On XX/XX/XXXX Bank of the West denied my dispute and rude in favor of cash out based on the fact that they said I gave them access to my account. First of all Bank of the West has the absolutely right to safeguard my account and funds in my account, XXXX had no good Reasons to withdraw any money from my account after me, XXXX on XXXX completed our transactions. Bank of the West made itself libel when they allowed cash out to withdraw These funds from my account. I wasn't even given the even given benefit of the doubt by my bank which has left a bad taste in my mouth.
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| 06/15/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem making or receiving payments
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Web |
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On XX/XX/2021, I made a credit card payment through my online banking account. I noticed the balance amount was not a good number ; thus, I made an additional payment for a few dollars. The payment was processed immediately. The monthly payment was due the following day XX/XX/2021, which was a Sunday. I sent a message through the online banking system inquiring about the status of the monthly payment, but still have not received a response. Since I live on a fixed income, I could not attempt to make another payment in fear of overdrawing the account. I telephoned the bank on the XXXX, and to my dismay, the monthly payment was not processed and there is no record thereof. So, I made another payment and the fees are as follows : Late Payment Fee {$27.00} Monthly Interest Charge on Cash Advance {$30.00} Monthly Interest Chare on Purchases {$70.00} These Fees Total {$120.00} I telephoned the bank again asking them to waive the fee, and my request was denied since a late fee was waived in XX/XX/2021.
There is a branch downtown close to where I live so I usually go there to use the atm, and when the atm is not working I go over to XXXX XXXX next door, and I am charged a fee by my bank, Bank of the West, and XXXX XXXX
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| 07/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I was approved for " Credit Card Direct Mail Campaign '' rewards card through Bank of the West. The rewards program states that I must charge {$1500.00} in the first three months, beginning at approval date, and I then i would qualify for the {$150.00} bonus. Towards the end of XXXX I emailed Bank of the West asking for the status of the {$150.00} dollar bonus. On XX/XX/XXXX they answered and stated that I had only charged {$1300.00}, so I did not qualify for the bonus. On XXXX, XX/XX/XXXX and XX/XX/XXXX I again requested their decision after I had explained the below concerns. there answer is that they are still working on the research.
My concerns are that I did not receive the bank card until at least 3 full weeks after approval. I believe the normal time period for receipt of the bank card after approval is 3- 10 days. My explanation is that I could not charge to the card if I did not have it. On XX/XX/XXXX the bank easily had posted over the {$1500.00} requirement. I thought that perhaps the reason for late receipt of the bank card was due to COVID 19.
It appears that they are dragging their feet hoping that my request will go away. If this has happened to me, it may be occurring with others.
|
| 08/03/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I put money into a money market fund with Bank of the West as part of a relocation from XXXX XXXX, XXXX to XXXX, XXXX. I opened a Money Market account to stash the money I had leftover from the move in an interest bearing account that I would n't have to manage or worry about. I had to withdraw an amount that I did n't realize put me below their minimum balance. At the time I had apprx. {$850.00} in the account. I went years without checking it until I got a notification saying it was overdrawn. I contacted the bank to inform them of their error and found out at that time that they had been charging me $ XXXX/mo for being below their minimum balance, which had resulted in them confiscating every penny of the money I had in that account. They told me it was my fault for not checking my account. I trusted Bank of the West with my money. By not phoning me or making any good faith efforts to inform me of my financial position, they failed to live up to the trust I put in them. If they were worthy of that trust, they would 've transferred that money into my checking account. Instead, they stole it. I think they owe it to me to refund every penny.
I 'm sure I 'm not the only one who has been ripped off in this manner.
|
| 02/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
A vehicle loan with Bank of the West that was charged off is reflecting negatively on my credit report. I have filed XXXX disputes regarding the information that is being reported under my name as it is not accurate however, the disputes are closed out and updated by the creditor adding more to the amount owed each time which in turn has continued to lower my otherwise good credit score. I have spoken with Bank of the West prior to the charge off occurring which was back in XXXX and again in XXXX at which time they were informed of the changes with the account along with the court order for the account holder to remain the only responsible party and for my name to be removed as I should no longer be legally responsible for this account. The court order was finalized XX/XX/XXXX. Since XXXX, there was a court order of protection in place preventing any form of communication between the account holder and myself and we received our final court order XX/XX/XXXX at which time the judge determined XXXX XXXX to be financially responsible for this account. I have communicated this information with Bank of the West with no avail. The last dispute I had submitted was closed out after information was updated inaccurately.
|
| 01/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
In XX/XX/2022, my company had several bank checks stolen from the US Postal Service. Three of those checks were cashed by someone at a XXXX XXXX XXXX somewhere in XXXX XXXX. The total of the cashed checks were around $ XXXX. The checks were written to major corporations and had bad endorsements and one had no endorsement at all. I have notified my bank, Bank of the West ( BOW ), and asked to have the funds replaced to my account. I have submitted the necessary claim forms and supporting documents. To this point, BOW has refused to replace the funds in my account.
Obviously, XXXX XXXX is at fault for cashing the checks without proper identification or verification, but that is a transaction between XXXX XXXX and BOW. BOW has to seek restitution from XXXX XXXX. I have been working with BOW, to get reimbursed, but apparently they are waiting for XXXX XXXX to reimburse them. As a customer of BOW, I have a contract with the bank that allows for reimbursement since BOW honored the checks that were not properly payable. It is up to BOW to go after XXXX XXXX separately.
I have submitted all the evidence and requested documents to BOW several months ago. My bank forwarded all the documents to XXXX XXXX accordingly.
|
| 04/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
I was supposed to receive two different XXXX ( real time ) deposits. I received the email confirmation from XXXX and the issuing parties that the funds were sent and should be available immediately. It has now been more than 24 hours and my funds have still not posted. I have called the online bank 9 times within the past 24 hours and have waited on extended holds exceeding 2 hours. Once I received a live person he told me I reached the wrong department and had to transfer me to the online department. I waited another 50 minutes for the phone to just disconnect. Each time I call and the call reaches about 90 minutes on hold the phone disconnects. I am unable to get help with my concerns. I went in person to a local branch and they were unprofessional and did not want to investigate my inquiry. This bank has had many unethical business practices in the past such as not posting funds when available, overdraft fees for items that were still in a pending status, etc. I have conducted a lot of business via XXXX and never had a problem receive my funds in a timely manner with other financial institutions. Bank of the West is unethical. Im sitting at a branch now and nothing appears to be getting resolved.
|
| 07/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
The Bank of the West loan reports on my credit as " Charged-Off ''. However this loan should never have been " Charged-Off '' as I was covered by GAP Insurance.
In addition to this erroneous reporting ; My report dated XXXX XXXX, XXXX reported this item as charged-off XX/XX/XXXX. Bank of the West has now changed the charged-off date to XX/XX/XXXX and then again for the 3rd time with a new charged-off of XX/XX/XXXX. This company clearly keeps reporting erroneous inaccurate information on my credit report.
This new charge-off date has dramatically lowered my credit rating/score and has damaged me greatly. Potential creditors see this as a " NEW '' item that is in default ; which should NEVER have been reported as " Charged-Off '' in the first place.
Re-aging an item is a violation of the FCRA. Furthermore this erroneous information has caused me to be turned down for home financing.
The reporting also shows a balance of {$250.00}. I was never notified of a due balance because I had GAP insurance, there should not have been a due balance.
I 've disputed this erroneous item with XXXX, XXXX and XXXX and Bank of the West has verified that the information is accurate. Which clearly is not.
|
| 11/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American, Servicemember |
|
The automatic payments on XX/XX/22 did not get made. More than a week later a returned check fee and interest charges appeared online but was back dated to XX/XX/22. Called customer service who insisted either I or my bank changed something that caused the fault and therefor I am being charged Fee 's and interest. I pointed out that I have several cards and all payments are always made both before and after their claim that the payment was returned by my bank. I checked with my bank who said they have no record of any attempt by bank of the west to process the payment and yet bank of the west is charging a return check fee. After several hours and phone calls Bank of the west claimed it was a computer error and the fee 's and interest should not have been charged but the charges were never reversed, some even claimed the charges were already reversed. I asked for written confirmation that the charges were either disputed or reversed and received a letter dated XX/XX/XXXX that the fees were valid and past due. In more than twenty years no company I have automatic payments with has ever had a problem and now this is the second time Bank of the west has failed and claimed I am the problem.
|
| 11/14/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I took out a second mortgage with Bank of the West in XXXX. I just recently refinanced my first mortgage and consolidated the second mortgage as well. when I call to get a balance, it did not seem correct. I requested a print out of payments of my account. When received, I noticed that there were XXXX payments never applied in XXXX as well as other payments not applied correctly. Through 4 weeks of phone calls, messages not returned, I was told by them that they were looking into it, then it was sent to the wrong department, then someone else was assisting. I let them know I was refinancing and needed this resolved as it was going to be paid off shortly and still no one contacted me back. Now the loan is paid off and I am still fighting with them to audit my account as I believe they overcharged me and owe me money in return as there were payments made that were never credited to my loan. I was told by the final person that was supposed to help me that it looked as if I was ahead and to not bother having an audit as I may end up owing more than they are showing and to be happy with the balance due although they could not put it on paper to show me a proper print out of the payments.
|
| 06/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
My husband I purchased a used RV from a private party on XX/XX/22 for {$39000.00}. The private party had an outstanding loan with Bank of the West for approximately {$31000.00}. The seller and us met at the local branch of Bank of the West and we paid off the loan for the seller as well the gave the seller the difference owed to purchase the RV. The Bank sent a letter to their loan office at that time saying it was paid off and to release the title to us. On approximately XX/XX/22 we received a letter from Bank of the West stating they had received payment in full and since the bank is a paperless title user, we would receive the clear title directly from the DMV. I have made numerous phone call to customer service at Bank of the West as well as visited the DMV and AAA to complete the registration. As of Monday, the DMV states the Bank of the West still has the title and is still the lienholder.
( please see attached documentation ). I have been told that Bank of the West has requested a paper copy of the title from XXXX, and once they receive it, it will be sent to me. Something seems wrong for a this to take two months before I can register a vehicle. Thank you for your time.
|
| 11/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Servicemember |
|
The bank refuses to provide me any records and requests that I go into the bank to fill out forms in order to get such information. I work full time and do not have time to go into a branch. I have communicated this with the bank.
I had a business checking account and a personal checking account with bank of the west. I use my personal checking account to pay bills through. I deposit money by check into my checking account to cover upcoming expenses. I currently have collection activity in the amount of $ 800+ in fees from bank of the west.
What has caused this are all of the fees imposed by the bank, because it appears they intentionally withheld a check deposit. This was a check from a source that I regularly deposit from. There was no reason they could provide me on why the funds were held and it appears that they withheld the funds to collect account fees. Coincidentally, the day after the fees appeared on the account the check was cleared and my account was negatively drawn. Every member at the bank that I spoke to would not or could not provide me with any answers. In fact, the bank members told me that the deposit was received 24 hours after I went into the bank.
|
| 09/07/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Good Morning This involves Bank of the West. They reported to the credit agencies a 30 day late on my HELOC account XXXX took out a monthly payment with ACH from my XXXX account for over 2 years. I made every payment on time, and was never late. The missed payment occurred for the XX/XX/2022 payment. I found out about it when I got a notice of a change in my XXXX score. I called XXXX, they said they changed my account number, and notified me by mail. I told them I never got the letter. They basically said, too bad. I also said they were taking the monthly payment from XXXX for two years and why did it stop? They said they never took money out each month ( Please see attachment ) I called XXXX and they advised me that ACH means that XXXX was definitely taking the money out each month. I called XXXX and they said they weren't, and that as previously stated they sent me a letter with the account number change ( one letter total ). They wrecked my perfect credit ( see attachment ), I was denied a credit card ( see attachment ), they have been terrible over the phone, and have caused me countless hours of phone calls and follow-up calls.
Please Advise Thank you XXXX XXXX
|
| 11/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I pay my bills on time and even provide double payments or triple payments some months to pay my RV off as fast as possible. I verified the ability to do this through my initialloan applicationwhenIpurchasedtheRVandover the years with BOTW representatives. On numerous accounts I was told the following if I make consecutive payments over the minimum balance, the overages would be applied to my principal. I've been doing this with BOTW since the inception of my loan, only to find out that BOTW has been applying my double payments as interest charges. Ive included a breakdown of my account activity using data provided by BOTW and my checking account for information prior to the online records BOTW keeps. I have several months where ZERO percent of my payment wasnt applied to the principal.BOTW website is designed to confuse consumers and squeeze as much finance charges as possible from their loan applicants. I have a number of other loans with various banks who give account holders the option to pay their principal online or work with them to resolve issues with loan payments. BOTW has hung up on me numerous occasions and I wasn't yelling, cussing or acting unreasonable.
|
| 04/01/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I had a checking account with Bank of the West. Because I no longer live in a state they serve, I wanted to close my account. They told me the only way I could do that was by mail. I sent a letter, overnight via XXXX requesting they close the account. A few days later I received a cashiers check in the mail for the remaining balance. So far so good. However, I kept receiving forms in the mail informing me of overdrafts to the account. I do not know why, but apparently an old utility account ( XXXX ) was attempting to draw from the account. All utilities accounts which used to draw from the account were closed before I closed the checking account. When I spoke to the bank to explain the situation, I asked them to reverse the charges and clear my account. They were uncooperative and threatened to turn me over to collections. They said it should have been disclosed to me that there was a five day window. I was never told this. I was hoping they would come to their senses, but this afternoon, I received a call from a collector. The most striking thing to me about this situation is that the overdrafts were caused by Bank of the West writing me a cashiers check too early!
|
| 08/15/2016 |
No |
|
- Closing/Cancelling account
|
|
Web |
|
|
I applied for an account with Bank of the West in XXXX 2015 they approved me and never sent me the card for six months they made an error with my name on the card. The introductory APR had expired and I had to call and request that be reinstated. I had my payments on auto draft and they stated one of the payments was not enough to cover the monthly payment so they had sent the account to collections. After I called they acknowledged that it was a bank error and credited the fees since that time I paid the account off in full. I started back using the card in XX/XX/XXXX made my first payment and then was ONE business day late on my XX/XX/XXXX payment and they closed the account. I never received a call or any kind of warning just a letter stating the account was closed due to delinquency it was reported on my credit report that the account has been closed by the guarantor which impacts my credit score. I would like my account reopen and my credit report updated to reflect that account is current and I will be paying the full balance. The standard practice should not be to close a consumers account as a result of them being one day late on a payment that is not fair.
|
| 02/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I bank with Bank of the west in XXXX oklahoma. Have for a long time. Been at this site for about 35 years. Never had any problems until XXXX XXXX got involved. They are based out of XXXX XXXX. Over the last couple of years they have moved things around on my account from day to day so as too be able to charge me fees. For example just 2 days ago I deposited XXXX dollars. Showed it was in my account. Then the very next day they did not credit my account with XXXX dollars of it and switched some things around so as to charge me 4 fees. This stuff has been going on for at least a couple of years. They have ripped me off of probably XXXX dollars or more. Not to mention all the interest played out on other loans trying to keep up when they constantly overdrive my account. Much less the XXXX XXXX and XXXX If this is not fixed I will be filing a lawsuit against them. My state representative for the state and also my representative in the oklahoma house will be made aware of this. Will need to be investigated. Not really sure if this is just going on at our branch or if it more systemic across the board at all of the bank of the west locations!!!!!! Feed back required.
|
| 12/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
A deposit was made into my checking account on Wednesday, XX/XX/XXXX using the XXXX pay app and I received an email & text from the bank informing me of this deposit.
The deposit was in my account Wednesday XX/XX/XXXX & Thursday XX/XX/XXXX. But all of the sudden, Friday XX/XX/XXXX morning my deposit had disappeared and they have no record of it. Ive been having a lot of problems with this bank not posting things correctly. I went down to the XXXX Bank of the West branch and spoke to XXXX and showed him my proof of deposit. Ive also spoken to XXXX, XXXX & XXXX from the Bank of the West dispute department, and I was told deposit it would be there on Saturday or Monday.
On Monday, XX/XX/XXXX, money was not there and again I went down to XXXX branch and was told that it is still being researched and No date was given to when it would be available. I called again today Tuesday XXXX and was told there is no resolution as if yet. This is situation has been extremely stressful & frustrating.
If you can help me get my deposit of {$70.00} back, I would really appreciate it after that point I will be closing out my account and not dealing with this bank any longer.
|
| 01/21/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a checking account at Bank of the West in XX/XX/2016 and requested to close the account on XX/XX/2016. Bank representatives rejected my request because they claimed I opened a " line of credit '' on the account which I never did. Meanwhile, they stated I have used the line of credit and owe money on the line which is a surprise to me because I have never requested nor used any line of credit. I only withdrew my initial balance out of the account to close the account. The local branch representatives could not give me an explanation for why this line of credit was opened and why it says I used some of it. In the meantime, the account is also accumulating monthly fees because I have a zero balance and they wo n't close the account to investigate this error. I am being harassed with bank letters notifying me they will contact collections to collect the outstanding fees on the account. What this financial institution is fraud and reminds me of XXXX fraudulently opening accounts on their customers behalf without them knowing, and charging them fees in the interim. This is a bad surprise that I hope to resolve and prevent to happen to others. Please help!
|
| 03/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
Older American |
|
I am a XXXX XXXX of XXXX XXXX XXXX XXXX, my LLC name is XXXX XXXX, XXXX. I had taken a loan with XXXX XXXX XXXX In XX/XX/XXXX for {$670000.00} in order to buy out my business partner. I loss my business XX/XX/XXXX because of the CampFire. My insurance does not cover the loss of my mobile home park and the bank still wants their money, although they did deferred payments. For the past 4 months they are still charging me and adding on to the loan over {$2800.00} each month for interest. I have no income and my only source of money is my Social Security which doesnt pay very much. I NEED HELP! This is been a national disaster here in California and now the bank has continued to charge me almost {$12000.00} extra added to my account which I think is very unfair. Ive talk to XXXX XXXX vice President of Bank of the West and he refuses to help me in this matter. I want to pay off the loan due, but due to the debris and contamination of the property, I can not sell it or find a buyer until its been cleaned up which could take a few more months. Most of the town of XXXX has been destroyed from the worse fire in California. Please help me.
Thank you, XXXX XXXX XXXX
|
| 04/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Servicemember |
|
Bank of the West changed my " XXXX '' account to " XXXX '' in such a haphazard manor that I was unable to reconcile my account for 2 weeks. Instead of letting the " XXXX '' charges be recorded when I actually use the card, they transferred the most of my XXXX charges to " XXXX '' before I ever started using that card. They did not just transfer one lump sum, they did a partial line by line transfer, then an undefined and unrecoognizable cumulative transfer. I don't think it was their intention to send me any further statments reflecting the activity on the " XXXX '' account, but it took me a lot of phone calls and a lot of waiting to finally get one - and it was very messy to work with. I was then able to reconcile this account, but then had to make another call and wait a long time to get them to transfer a {$200.00} credit that they had neglected to do.
Their phone lines were excessively busy and it makes me think that I am one of very many unhappy customers.
In summary, what should have been a very simple process for all concerned was turned into a nightmare because of a poor, clealy unhelpful, and maybe an illegal, accounting process.
XXXX XXXX
|
| 03/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My checking account showed that someone withdraw my money with an amount of {$86.00} and it occurred another {$3.00} non-bank-of-west ATM fee.
The transaction was completed on XX/XX/2022 in XXXX XXXX XXXX CA. I was able to confirm this fund was not by me ; because at that time, I was in XXXX, Hawaii.
They simply told me they have investigated and because the transaction was approved with PIN, but everyone know there's a lot of fraud POS machine in some store can make a copy and stores PIN.
I have tried to reach the fraud department with Bank Of The West and filled the claim form. After faxed them for about a week, they mail me an notice with decline on my fraud claim.
I would also attach all my proofs and my physical non-in-state proof that I wasn't in California, so that transaction couldn't be made by me.
I have attached the letter I have received from the bank, also my flight confirmation, the State of Hawaii Safe Travels to proof that I was out of state and the transaction wouldn't be made by me.
In the State of Hawaii Safe Travels page, you'll see " Screened : Yes '' and that means I was physically attended to the flight at the airport.
|
| 07/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
On XX/XX/XXXX we paid off a loan at Bank of the West XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) for {$100000.00}. On XX/XX/XXXX I had cancelled the automated bill pay for this loan through our checking account at XXXX. Unfortunately XXXX had made an automated payment of {$750.00} on XX/XX/XXXX to Bank of the West. We have spoken with Bank of the West every week since XX/XX/XXXX to recover this overpayment from them. They agree that they owe us this money. However, during each weekly call they ask for a different piece of documentation from us proving that this overpayment has occurred, and end the call assuring us that it has been corrected and they will issue a check the next week. We call back the next week and nothing has been done and we have to start all over. This has gone on for four weeks now and {$750.00} is a lot of money for a retired couple. We have no confidence at this point the Bank of the West will ever return our money. I would file a complaint with the XXXX but they are not a member. Based on our experience we believe that their policies and procedures are designed to delay the return of our money in the hope that we simply give up.
|
| 09/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
- UNITED STATES MINOR OUTLYING ISLANDS
- 90638
|
Web |
|
|
On XX/XX/2021 I sent a secured message while logged in to bank of the west to request the closure of the checking account, on XX/XX/2021 I received a online response to the secured message stating the said account will be sent for closing.
On XX/XX/2021 a fee of {$10.00} was charged to the same account and this fee was not disclosed earlier but per me account was closed on XX/XX/2021 itself.
To my surprise account was not closed- upon checking the status I immediately called the bank customer service on XX/XX/2021 and waiting for XXXX hrs on the phone line without being able to reach to anyone.
Sent secure message reply on the earlier message for closing and received a response that since the balance is negative it can not be closed and was asked to contact the branch.
It has to be noted that this account was opened online and meant to be completely online without need of any branch.
I called the local branch on Monday XXXX and branch rep is asking me to come to branch to close the account- despite online confirmation.Multiple secure messages and wait on customer service phone is not helping and bank is becoming a pain to close the account.
|
| 01/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I was a client at Bank of the West. I relocated from XXXX to XXXX XXXX in XXXX, XXXX. On XX/XX/XXXX, I was levied a {$10.00} service charge for no deposit to my account. When I sold my house, I had the proceeds wired into my account. On XX/XX/XXXX, I was charged a {$15.00} fee for the wire transfer. I closed all accounts in mid-XXXX, XXXX and asked a check be mailed to me of all remaining funds in my accounts ( {$1100.00} ). On XXXX, the bank made a charge of {$62.00} to the closed line of credit account AFTER I had paid it off! The cashier 's check I received was for {$1100.00} and had been mailed on XXXX. On my XXXX, XXXX statement, it showed my accounts being overdrawn in the amount of {$0.00}! With this I was threatened with being turned into collections. The issue was finally cleared up by the bank branch manager by the XXXX, XXXX statement. On XX/XX/XXXX, I received a bank statement that shows on XX/XX/XXXX, I was charged an annual fee of {$25.00} for from XXXX, XXXX on the line of credit that was paid off and closed in XXXX, XXXX! This bank is charge crazy and will find any reason to demand money that is NOT deserved from the clients.
|
| 01/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This is an issue with the bank of the west. I have business account with them.
I made a deposit of {$5600.00} check on XX/XX/2020. There was no hold placed on the deposit. The funds were available the next morning on XX/XX/2020.
As funds were available, I issued 2-3 checks but then by mid day, the bank put a hold on this deposit. I called my branch to find out what happened. They said it was their back office that placed hold. They were suspecting an early warning on insufficient funds from the other bank.
In the process, I incurred 3 NSF fees as the checks I issued were bounced.
I have talked to my branch 6 times already about why was the hold placed if funds were collected. Today, its been a week and funds are still not released. The check maker states that funds were drawn out of their bank the same night I made the deposit to my bank.
I have called the telephone banking of bank of the west but they couldnt do anything about the hold. The notice I received in the mail doesnt state any date the hold will be released. This is misleading to the consumer ( me ) and in the consequence I have suffered penalties, bad reputation and stress.
|
| 08/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Last XXXX, I applied for a home equity line of credit on my house. The bank ( XXXX ) informed me that I had a collection on my account being reported by XXXX ONLY. It was an collection with " XXXX XXXX XXXX '', and the original creditor was Bank of the West. I called and told the debt collector I have never opened an account with that bank, and they told me the account was opened in XXXX. I live in XXXX and told them I have only been to XXXX once - 7 years ago when I visited for 3 days for a wedding and I didn't open any accounts or apply for debt. I filed a dispute with XXXX and it was quickly resolved and removed from my credit report. I applied for another mortgage last month with XXXX XXXX, who told me XXXX and XXXX are now reporting this fraudulent collection AND MY CREDIT SCORE DROPPED FROM XXXX TO XXXX. I filed disputes with both XXXX and XXXX and they were both denied. I have worked my entire life for perfect credit, and now this fraud is ruining all my hard work. It's not fair. Please help me, this will cost me lots of money as this new mortgage will now have a rate .5 % higher, due to no fault of my own whatsoever. Thank you!
|
| 09/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Bank of the West had a promotion to open a savings and checking account for a {$250.00} bonus ( XX/XX/2016 ). When I went to open the accounts at the XXXX CA XXXX branch, the staff forcefully opened a credit card account for me without my knowledge until after the fact. I insisted I did not want a new credit card, but they already pulled my credit without permission and did it anyway. The manager was also part of this as he confirmed it was not a hard pull ( it was a lie ). They also gave me a line of credit ( which I also didn't ask for ), based on my credit. The said it was part of the promotion package to build relationship with customer, which was false. No where on the promotion ad was mentioned that a new credit card account was needed to qualify.
This is fraud and the worst banking practice I have ever experienced. I was so upset I closed the new accounts shortly without waiting for the sign up bonus to post. I also closed the credit card account after sometime. ( I did not close the card immediately to not mess up my credit score. ) This was over 2 years ago, but I just found out about CFPB so I would like to report this.
|
| 03/07/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2022 @ XXXX XXXX I received a voicemail from a gentleman by the name of XXXX. He said he was Housing and Urban Development and the reason for his call was a sensative issue they had in regards to my home ( leaves my address ) and says before they proceed with legal action and start the foreclosure process on my home, I need to contact him as it would be in my best interest and leaves his number.
Then on XX/XX/2022 at XXXX I received a call from XXXX again. This time he said he was with XXXXXXXX XXXX XXXX department and repeats the previous message about legal action against my home and how it would be in my best interest to call him.
Around XXXX on XX/XX/XXXX, XXXX I returned the call I had received from XXXX and spoke to a man by the name of XXXX. When I asked who he was with, he told me California XXXXXXXX XXXX XXXX. He then asked for my account number and I told him I did not have it and I did not have a loan through them either. I proceeded to tell him that it was illegal to place phone calls and leave threatening voicemails as well. He then informed me that I had the wrong number that the XXXX does not work there.
|
| 12/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Bank of the West is reordering electronic deposits and withdrawals in our business banking account. We receive notification of a deposit 2-3 days prior to the deposit appearing in our account, a pending deposit. Our company payroll is also processed electronically, on or near the pay date which is on a Friday every other week. In the last month we have had two separate instances where the deposit and debit post on the same day, yet we have been assessed an overdraft fee.
The bank reversed one of the fees when I inquired about the first charge and stated we should apply for overdraft protection on this account. The overdraft protection is expensive, it applies a fee whether it is used or not and has a significant percentage rate on the overdraft amount. The bank seems to be reordering deposits and withdrawals in order to charge a fee or force us into an even more expensive overdraft line of credit. We have no control over when these electronic items process, we as consumers are entirely in the dark regarding these transactions that appear to be nothing more than a vehicle for the bank to assess more fees to a small business.
|
| 08/06/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
Bank of the XXXX branch has been my bank for 27 years. Several years ago the present Manager and assistant told me I should have a Gold Line attached to my checking account because I was paying excessive overdraft feets that compiled even though the deposit to cover them was entered the same day. They placed the fees XXXX then registered the deposits.
This has been the same only worse with the Gold Line because they can randomly choose an amount to transfer to cover an overdraft. Anywhere from {$50.00} up and then charge a loan fee of 19.9 % which is very very high.
I asked the Manager XXXX in XXXX of 2015 if there was n't a different option and I was given the brush off and told no.
The amounts of loaned money has grown to over {$900.00} and they keep " randomly adding money to my checking and building the loan amount.
I know that many of the transfered money from the Gold line was unnecessary and that deposits were always made to cover my payments from the checking.
There have been times when I know that the funds were available to cover a check but the bank used " timing '' in order to increase my Gold line balance.
|
| 12/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
Shot in the dark but more likely there's more than one person ( me ) behaving in the economy. Actor 1 can not overutilize financial resources causing Actor 2 's scarcity ( specially because Actor 2 is the one paying for Actor 1 's XXXX behaviors ). Incorrect mathematics : Paycheck = XXXX, Spending = XXXX therefore I have XXXX. I spent imaginary number XXXX low and behold I actually have a massive lien around my entire XXXX. How come? Perhaps because the banks not gon na give you a free house. Fraud -- > Fraud -- > Fraud.
First instance of fraud were the fraudulent documents used to procure these XXXX mortgage loans. Real problem happened when you opened your XXXX mouth drawing all sorts of attention about this fact. Here 's how silly you are : Government could have made the bank do exactly what your XXXX XXXX is talking about. Why didn't it. My mouth said : " In this present crisis .... '' You told government to substitute your mortgage for shopping you fool. Instead you should have told government to save your mortgage controlling shopping. XXXX is right. " Representative ''. Plumber, Engineer, Pilot, Accountant.
|
| 04/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Hello, My husband had been seriously ill and in XXXX for nearly a month and sadly XXXX XXXX. At my husband 's XXXX XXXX, while our family is mourning our XXXX XXXX of our Husband, Father, Brother, Friend, the Bank of the West Branch Manager, XXXX XXXX, approached me, not to give his condolences but to " demand that I make the payments current and the loan was past due ''. He continued on the say that it was my responsiblity to keep the loan payments current. Of course, I was in a state of shock that Bank of the West felt compelled to attend my husband 's XXXX XXXX to " demand payment '', XXXX XXXX, continued on with his comments for a few moments and left.
XXXX XXXX, Branch Manager and Bank of the West should be fined and XXXX XXXX should lose his position at Bank of the West for unfair harassment in attempts to collect a debt, unlawful conduct, trying to intimidate me on the day of my husband 's XXXX XXXX and protect my privacy as well as my families privacy at a time of our mourning.
Bank of the West should be ashamed of this type of behavior and harassment of a widow and her family during our time of mourning.
|
| 01/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit card statement closes on the XXXX of every month and the new month 's period begins on that day. Bank of the West ( " BOW '' ) reports the status of my credit account on that date to the credit bureaus. This past XX/XX/2020, my credit account was reported to the credit bureaus as has been done in the past ; however, on XX/XX/2020, another report was provided to the bureaus and at the time that report was submitted by BOW, my account balance was 99 % of the credit limit. As such, this tanked my score ...
In trying to contact BOW, the agents first claimed that BOW agents were not trained to know the dates BOW submits credit account information and status to the bureaus and that if I had an issue, I should contact the bureaus, but upon my investigation into this matter, BOW should be able to aid me in addition to filing a report with the bureaus themselves. So, I called BOW back and explained everything again, only for the agent to put me on hold and eventually terminate the call while I was on hold. I called back and then there was silence on the other end of the line followed by the call terminating.
|
| 02/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
On or about XX/XX/XXXX I XXXX XXXX opened a checking account thru bank of the west online I had to verify my personal identifiable information by providing a picture of my Driver 's license and provided my social thereafter I was notified I had until XX/XX/2023 to fund my account for it to remain open! I intended and even used routing and account number on my federal tax refund to be direct deposited in my bank of the west checking account yesterday XX/XX/2023 when I called online customer service and a local branch in XXXX I was notified my account has been closed! Bank of the west closed a new account of mine without any due notice to me even still getting text messages attached showing I had until XX/XX/XXXX to fund it! Now my taxes will be rejected and mailed to me and bank of the west caused me economic harm and potential violation of Missouri human rights violations since I'm of diversity and they did this without notice! Shame on Bank of the West for causing me economic harm! How u gon na have me verify my identity online via my ID and SS # and then close the account without any notice or without merit!
|
| 09/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I went to XXXX XXXX XXXX XXXX in XXXX, CA to look at vehicles with the intention of financing through my credit union. It has been my understanding that per the terms of the Patriot Act, auto dealers can require a credit check before test driving a car while it allows them to give someone a rough idea of possible financing options without submitting a formal application for a loan. However, XXXX XXXX went beyond a basic credit check and giving me a rough estimate of what they could offer and applied for a legitimate loan on my behalf without my consent or knowledge merely to try and push a financing sale. They also did not provide copies of such paperwork per the requirements of California Law. I received a letter from Bank of the West days later saying that I had been denied a loan for an amount I also did not know about. Despite the fact Bank of the West is treating this as a legitimate loan application, they refuse to comply with their obligations as creditors to also providing copies of such loan as required in the State of California. This is a case of identity theft perpetrated by XXXX XXXX XXXX XXXX.
|
| 02/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Older American |
|
Back in XXXX, I opened a Cd with BANK OF THE WEST,, so I had to open a checking account wich I put in XXXX dollars, but never told me it had to be XXXX To make a long storie short they would minus XXXX and put it back in my chk account, so I the end of XXXX my CD matures so, I transferred my cd to XXXX XXXX, and again had to open a ck account wich they told me I had to leave XXXX in there so, of course I did So BANK OF THE WEST had put some of my interest money in the checking account, wich overXXXX, so I was never informed by mail nor email that I had to had moneys,,,, so couple of weeks ago got a letter from BANK OF THE WEST to see if I was still around, so I send it back with my signature and dated it,, so out of my curiosity went online to ck it out so out over XXXX there was only XXXX left in there, that should of notify me that I needed XXXX in the ck account,, otherwise I would of closed if, who wants to give there money away I, m a Siniore citizen,,, I dont want or give me money away so I should of beened contacted right away,,, But I they send me notifications when they took all my interest money
|
| 08/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
In XXXX and XXXX I was out of state in Texas with family so I didnt receive any mail. Apparently during that time I was charged I believe {$22.00} for some XXXX XXXX thing. I never ordered this, it definitely was not sent to my address because my neighbor was collecting any packages that arrived to prevent theft.
Apparently due to this {$22.00} unauthorized charge it over drafted the account and they stacked on several more fees amounting to a total in excess of {$95.00}.
They never called me or emailed me. Typically in this situation either my local branch XXXX, MN or XXXX XXXXXXXX XXXX XXXX customer service would call me. I had no idea about this charge, the overdraft or any of this until I got home and saw a letter in the mail.
I tried logging in immediately to file a dispute for the XXXX XXXX and was shown my account of 3 years was closed. I was in complete shock. Not only that but I was severely worried they would make a report stating I was a poor customer submitted to XXXX systems which would impact countless banking relationships current and future all due to this charge that I never made.
|
| 09/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I originally set up an account with the Bank of the West. I am not confused I am perplexed by the coincidence of my account being open on the account managers computer before I even decide to speak to any account manager while I am in the bank. Suffice to say, I was not pleased with the customer service. I was not pleased with the product services. This was a bad experience all around within the first month of opening the account. I made payments to my account that were not applied to transactions. Bills not being paid with bill pay. I noticed all my payments were going to fees. It seemed only fees were being paid.. Bank fees as well as merchant fees. So, I ended my affiliation with Bank of the West. And attempted to closed the account -> after talking with a customer representative of Bank of the West on the phone ( 1 800 number ) and making one more payment. I say attempted to close my account because apparently the account was not closed. Allowing fees to accumulate for over three more months until closed by Bank of the West. Still Receiving partial refunds ( paper check and credit ) in the process.
|
| 07/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have recieved {$270.00} in overdraft fees over {$8.00} purchases made on the XX/XX/XXXX and money was put in and cleared before they added on the fees. I am also opted out of overdraft and these were one time payments.
I checked my balance before every purchase and its totally wrong what they do.
They will show something as pending and then the charge disappears for two days and shows back up screwinf uo your balance. They will as the fee even after a withdraw is cleared and your account is positive. They charged me {$270.00} because of {$8.00}.
Simply looking at my statements you will see that the money going in my account is more than going out and that even though they charged me XXXX my account is only overdrawn XXXX, and i have not added money since a fee was added.
Clearly that being the case proves i never should have been given a fee since my account would need to have a negative balance greater than the fee since its a fee for covering my purchases. But they didnt cover any funds for me and the only reason im negative is their ridiculous fees. {$270.00} over {$8.00} is unjustifiable.
|
| 10/31/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2022, I received a call from who I thought was XXXX fraud unit. Telling me someone hacked in my XXXX account to buy a I XXXX, so he went through everything and it seemed legit, I went to this ( Looked like XXXX home page, I printedout his information from XXXX. Not knowing I was agreeing for him to remotely having access to my account. What I was seeing on the screen was not what was going on. He was a hacker that got to my bank information and bought XXXX XXXX XXXX gift cards for less then XXXX each. I did not authorize these charges, I am a victim of identity theft and need help to get my money back. All of my savings XXXX gone and my bank thinks I authorize the amount, this has been a nightmareand Ineed help. And spread the Word to protect innocent peoplewho might be a victim of hackers. I did not authorize these changes but they made it look like I did. I need help getting my money back please help me. I called my bank immediately to freeze my account but all 7 of those gift cards went through. Why? It takes 2 days for me paying a bill and it clears. I need help getting my money back.
|
| 01/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I purchased a used recreational vehicle ( RV ) from a private seller in XX/XX/XXXX with a loan from Bank of The West ( BOW ). As of XX/XX/XXXX I am still unable to use the RV due to BOW failure to register the RV. BOW initially provided the incorrect mailing address to the sellers bank, XXXX XXXX XXXX Bank. XXXX XXXX XXXX Bank mailed the title to the invalid address and the title was subsequently lost. I have contacted the " customer service '' department of BOW via phone and email dozens of times. BOW asked that I reach out to the seller and request their drivers license to request a new title. After telling BOW that I do not work for BOW and I would not reach out to get the DL, they told me that in that case there is nothing they can do. I relented and reached out and provided BOW with the DL as requested. My most recent attempt to get a status update on the title was via email sent on XX/XX/XXXX. BOW has not responded to my email as of XX/XX/XXXX. I have been paying principle, interest, insurance, and storage for the RV for 13 months now and am unable to use the RV due to BOW 's negligence.
|
| 11/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We wrote a check to our mortgage lender, Bank of the West ( BotW ) on XX/XX/2020, but they took the wrong amount out of the check. The check was written for {$2000.00} ( I saw the canceled check on my mobile banking so I know it was written correctly ) but they only read it as {$200.00}. I fixed the problem with my bank where I wrote the check from, XXXX XXXX XXXX XXXX XXXX XXXX, and they took the additional {$1800.00} out of my account on XX/XX/2020, but it never made it to Bank of the West. BotW called me on XX/XX/2020 to say my mortgage was late. XXXX said that BotW had to request the money as it was sitting at XXXX XXXX and they gave me a resolution letter number to give to BotW. I called BotW and I told them that I had paid the full amount and that they had to request the money but they would not help me. On the phone they told me to email which I did two days ago but have not heard anything back. I am lucky that I just went ahead and paid the amount again which I can afford to do but they charged me a late fee ( ~ {$35.00} ) and my {$1800.00} is still out in banking limbo somewhere.
|
| 11/24/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
My husband and I visited Bank of the West XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) to open CD on XX/XX/XXXX. We discussed with the banker about a CD, the interest and I remember my husband asking about the cancellation penalty. He said " There will be no penalty, if we give a 3 months advance notice. If you want to cancel immediately, the penalty will be 3 months of the CD interest. '' Unfortunately we were not given any documentation. We opened the {$130000.00} CD on that day. After 3 years and 7 months, we needed the funds immediately. So I flew to US for 4 days to release our money, visited on XX/XX/XXXX and explained what the banker told us and what we had agreed upon when bought the CD. The manager did not check any documents or even say he would look into it or ask for the the name of the person we talked to and then said to me " It's a he said, she said situation. '' and that there was nothing he could do about it. I came back to XXXX and told my husband what had happened and he wrote to the bank manager, however it looks like the the bank has no intention to find out the truth.
|
| 02/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I made regular payments to this Bank of the West ( credit ) Mastercard using their payment method through my checking account from another bank. The payment gets posted within 2 days without any issue ( and my checking account too shows that ).
But the card puts a 15 days hold on payment -- which does not allow me to make subsequent purchases.
I asked them why. The typical answers are ( i ) it's in our system -- we can not change it ( ii ) For all new customers we put such a hold ( which, I checked, is not true. My wife and some of my friends too opened this card at the same time. They don't have this issue. ) I have a high credit score. Irrespective of that fact, I do not understand the `real reason ' why such a hold would be on the amount that has already been taken out of my checking account and posted in the credit card account transactions -- and I would be blocked thereafter from using that credit-line for as many as 15 days.
The representatives ( to certain extent ) and especially the Supervisors have been very uncooperative and arrogant in discussing or resolving this.
|
| 12/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
This is in regards remaining account balance for accounts XXXX XXXX XXXX XXXX For total of {$670000.00} The accounts were closed on XX/XX/XXXX and a cashier check ( s ) suppose to be mailed in the next business day with First Class U.S Mail according to the letter from bank of the west.
I waited until XX/XX/XXXX and still not received any mail from bank of the west, then I called the number XXXX from a previous bank correspondence in order to get an update According to Branch Manager XXXX XXXX, the mail was send with XXXX - tracking number XXXX with four checks total for the above accounts. She mentioned it was sent on XX/XX/XXXX and arrived on XX/XX/XXXX. XXXX But according to security camera installed at my house XXXX driver never made the delivery for that tracking I requested a stop payment to be place on the checks since the mail was lost/stolen.
I was advised I will get a call back on XX/XX/XXXX but I never did received one.
I started an investigation request with XXXX and requesting the driver who suppose " made '' the deliver to assit with locating the package.
|
| 11/12/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
Bank Of the West Wants my Bank User Name and Pasword to take money out of my Bank account to Pay Rent the Bank could XXXX all my Money XXXX XXXX XXXX mailed RPM Rental my Rent Check that RPM mails to Bank of the West gets the check late and charge me {$130.00} Fee RPM said to Mail the Check to Bank West Return the Check to my Mom Adress in Minnesota I Had XXXX XXXX mail 2 months Rent to RPM RPM wont give me there Routing Number XXXX XXXX took around {$1000.00} Dollars to Lease me the Apartment I asked fore Help Paying Rent Calling Bank Of the West most all there Employees Hang up on XXXX XXXX Have XXXX XXXX in XXXX nobody can file a lawsuit against a bank treats everyone Terable 9 years I often move to a Foreign Country Every 90 Days the First Day you are in the Country a Rental Complany or XXXX XXXX take you to and apartment you give them {$2500.00} Cash and Rent the apartment there 100 % Helpful XXXX Credit Check XXXX Fees everything Helpfull Return to America and Everyone Treats you Terrible Call RPM Rental and Send them a email gets XXXX response you have to go there
|
| 02/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
My spouse and I paid off a loan in XX/XX/XXXX with the Bank of the West. I/we have made 4 phone calls in order to secure the interest paid letter during XXXX. They claim a XXXX party is to blame and they've had an array of issues, not to mention having the XXXX 's based overseas ; and who are otherwise unable to assist. Today, I again placed a call and the manager stated that our document ( s ) were mailed on XX/XX/XXXX, which is a lie because the other two calls ( both XXXX 's ) indicated that the documents were not ready in time and thus had not been mailed. During the 3rd call, we were told that it would be placed into the queue for yet ANOTHER COPY, which of course never arrived ; and today is XX/XX/XXXX. I/we must file our taxes per the IRS/Government by XX/XX/XXXX, yet how are we to do that when the Banking XXXX are failing to follow the Law by providing said documents when they become due on the XXXX day of XXXX each year? This bank has been nothing short of a nightmare during ALL inquiries, to include getting our payoff letter of satisfaction and loan release.
|
| 04/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I received 3 letters in the end of XXXX stating that I had opened 3 new checking accounts in my maiden name. I tried calling their customer service multiple times, sitting on hold for over XXXX minutes each time, and never got ahold of anybody. A week later I received 3 letters in the mail saying that I had successfully signed up for overdraft protection on all 3 checking accounts, on XX/XX/XXXX. I have never done business with this company before. I called their customer service again and waited on hold for over an hour this time. Finally I reached someone and told them the situation, they assured me they would close all three accounts, and notify their fraud department to research it. Today I received 2 letters in the mail saying that as of XX/XX/XXXX, 2 of those 3 accounts are overdrawn. I tried calling customer service again and waited on hold for over XXXX minutes, but did not get to speak to anyone. I do not want to be held responsible for these fees and loss to the bank since they did not cancel the accounts as I had directed weeks ago. Can you please help me?
|
| 11/16/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
My name is XXXX XXXX. I purchased an item from a company that I purchased items from before. It turns out the company 's account throught XXXX was hacked. I sent {$400.00} through XXXX to what I thought was the vendor I had purchased from previously. It turns out, the money went the hacker that hacked the account.
I am a customer with Bank of the West, and I was told since the the money was sent through XXXX the bank is not responsible for the loss. This is a service that the bank uses. How are they not responsible? What happened to me was fraud, plain and simple.
Being frauded is humiliating, but how Bank of the West has treated me is even more humiliating. They tell me I should only have sent money to only someone I new and that it is my fault that I sent the money.
To me this is an electronic transfer and I don't understand why XXXX, XXXX and others don't fall under this category. I just want my money returned. {$400.00} may not mean anything to the bank, but it means everything to me for someone on a small budget.
Please, I hope you can help me.
|
| 12/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
My spouse and I have been customers of Bank of the West for several years, almost 20 years for myself, and 3 years for my spouse. After getting married recently we have tried to open an joint checking account with this bank. We have tried several times at the branch and after several phone calls, we have been denied without a specific reason. We were told that due to a merger, the process would be easier online and since the approval process goes through a different process, we shouldn't have an issue. We both tried opening accounts, but were promptly denied and asked to visit a branch. I called customer service and was told that they are unable to help with anything related to opening an account, and they refused to provide any contacts for a supervisor or anyone in their retail banking division. My spouse and I have excellent credit, have never issued a bad check, or even over drafted. This bank is denying us a joint checking account and not giving us a real reason why, even the employees that we've talked to don't understand why it's not being approved.
|
| 08/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
On XX/XX/XXXX, I went on-line to pay off my Bank of the West boat loan. I requested a payoff amount and received a balance of {$1800.00} which I paid in full.
I never received any other information from Bank of the West and believe I did not receive my boat title.
In XXXX of XXXX I received a notice regarding the boat loan ( # XXXX ) that there was an additional {$110.00} due towards the balance. I called on numerous occasions since that notice and spoke with several representative including the " Executive Relations '' personnel but no one could explain what these charges were for. No one from the Supervisory team nor the Executive Relations Dept. have called me back with any pertinent info.
On XX/XX/XXXX I received a notice that my " balance ' was charged off - I have confirmed that a negative comment was made to my XXXX report and this has greatly impacted my one stellar credit score. I have disputed this twice with XXXX with no resolve.
On XX/XX/XXXX I wrote to the CEO of Bank of the West ( XXXX XXXX XXXX ) but have have received no response.
|
| 10/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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A deposit was made in the amount of {$40.00} into a business checking account to cover past expenses of a - {$12.00} at XXXX XXXX XX/XX/21. Receipt states that any deposit after XXXX XXXX the same day will be reflected as available the next business day. Available balance received and shown as current : {$27.00} XX/XX/21. A notification was sent to the account 's Message Center inbox at XXXX XXXX PST XX/XX/21 stating that an overdraft fee was applied for an overdrawn balance in the amount of - {$12.00}. An email was received from XXXX at XXXX XXXX PST XX/XX/21 notifying a message was sent to the account 's Message Center inbox. A call was placed to customer service at XXXX XXXX XXXX PST XX/XX/21 to file discrepancy. Was informed that even though funds were deposited and shown as available the next business day a true reflection does not apply until after close the next business day. When asked if it was possible to remove the overdraft fee the customer service representative stated that only 1 overdraft removal is allotted and had already been used.
|
| 06/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I have reached out to BANK of the West and requested that they remove the inaccurate late payments from my credit report. Bank of the West continues to report monthly to XXXX XXXX, XXXX, and XXXX nearly ONE YEAR of late payments when in fact the attached documentation will reflect that I paid faithfully in full the entire time that the report is reflecting adversely. If I had EVER been late ( which I was not ), I would have been contacted by the lending institution to resolve the matter. I have never received any correspondence from Bank of the West suggesting that I was late even ONCE let alone for an entire calendar year of 2019.
I have attached a copy of my credit report which reflects 12 incorrect late payments in the year 2019. As you can see from the attached documentation, PROOF of on-time payments, but you can also see the discrepency in the credit bureau reporting that I HAD never once been late before or after the months in question.
This is a clear violation of my rights under the FCRA which requires ACCURATE and TIMELY credit reporting.
|
| 05/17/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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This has been an ongoing issue. I had a Bank of the West checking account around the years of XXXX. I moved out of the area and had closed the account. Around XXXX/XXXX/2012 I received a call that I had an outstanding debt to Bank of the West in the amount of {$390.00}. The collection agency was " XXXX '' out of XXXX XXXX, CA. Upon receiving their call I immediately called Bank of the West ( which I am sure was a recorded phone call ) I talked to several people there assuring me that I did not owe Bank of the West any money and that my account was closed in good standing. Interestingly enough after that day I did not receive any further collection calls regarding the issue. However I check my credit reports today and it is still showing up damaging my score. This was not ever a debt, I do not know how it showed up there. I have tried to contact the collection agency several times and they can never find my information, almost like it never existed, but sure enough there is sits on my report. I would like this information removed from my credit reports.
|
| 04/27/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
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Web |
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On XXXX XXXX, XXXX I set up an account with Bank Of The West. The account was a fresh start account for my son. Upon opening the account, I was informed that after a year of good standing the service fees of {$12.00} a month will be dropped. On XXXX XXXX, XXXX I spoke to a branch manager to have him drop the fees, he informed me that the fees were dropped. On XXXX XXXX, XXXX I noticed the {$12.00} fees ( there have been fees taken out since XXXX XXXX ). When I spoke with a branch manager she stated that my account will continue to be a fresh start account because there was an overdraft amount of {$4.00} in XXXX XXXX. The overdraft fee was paid the very next day. There was a breech of contact because I was lead to believe that after a year of good standing my account will not be considered a fresh start account, which is why I agreed to open this type of account with this bank. I am aware of the XXXX waiver which expressly requires the bank to consider hardship. I am also aware of the banking code, which requires the banks to behave sympathetically.
|
| 06/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have reached out to BANK of the West and requested that they remove the inaccurate late payments from my credit report. Bank of the West continues to report monthly to XXXX XXXX, XXXX, and XXXX nearly ONE YEAR of late payments when in fact the attached documentation will reflect that I paid faithfully in full the entire time that the report is reflecting adversely. If I had EVER been late ( which I was not ), I would have been contacted by the lending institution to resolve the matter. I have never received any correspondence from Bank of the West suggesting that I was late even ONCE let alone for an entire calendar year of 2019. I have attached a copy of my credit report which reflects 12 incorrect late payments in the year 2019. As you can see from the attached documentation, PROOF of on-time payments, but you can also see the discrepency in the credit bureau reporting that I HAD never once been late before or after the months in question. This is a clear violation of my rights under the FCRA which requires ACCURATE and TIMELY credit reporting
|
| 01/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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My debit card was hacked on XXXX.2020. I received a text from the bank asking if a charge in XXXX, Fl for {$790.00} was me. I wasn't and It was immediately shut down. At that time I only saw one fraudulent charge. The next day I went to get cash out and there was nothing in either my checking or savings account. I looked online to see what the problem was. There were two fraudulent charges. They only notified me of one. I found out at that time that they paid the first fraudulent charge of {$670.00} which they didn't tell me about. I called customer service to inquire why they didn't tell me about that one and why they paid it. I asked for provisional credit and they refused. I live on SSI and they took everything I had. I begged for them to understand this with no results. I waited a few more days and called again. Again, they didn't care that I had no money and said that I would have to wait the 7-10 days. Today I XX/XX/2020 and I still don't have any money.
How can they do this to people. I very angry with this bank and feel this is unethical.
|
| 03/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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Paid Bank of the West, XXXX, California the amount of {$16000.00} ( by check ) to pay off an RV loan on XX/XX/XXXX. After waiting for 3 weeks for the paper title, contacted the Texas Department of Motor Vehicles ( Texas DMV ). Was told the lien still existed on the loan. Contacted Bank of the West and was informed the electronic release had been submitted on XX/XX/XXXX. After multiple conversations back and forth between the bank and the Texas DMV on a weekly basis between XX/XX/XXXX - XX/XX/XXXX, I still have not received the paper title for the vehicle after waiting 8 weeks since the loan was paid. I have twice escalated the issue to a supervisor at Bank of the West but no progress has been made to provide the electronic release of lien. Bank of the West indicates this is an issue with their 3rd party company that handles their e-titles but have been unable to resolve the problem. Each time I have contacted Bank of the West, the hold time for customer service is between 30 minutes and one hour and 13 minutes. These hold times are unacceptable.
|
| 12/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
The first week of XX/XX/XXXXI requested a loan payoff from Bank of the West through their automated phone system. The payoff was {$14000.00}. I obtained a loan through my 401K for {$14000.00} and obtained a cashiers check for the loan payoff and Priority mailed it to the address received on there automated system. The item was delivered on XX/XX/XXXX and the check according to my bank was cashed on XX/XX/XXXX and has since cleared my bank. The problem is that as of today XX/XX/XXXX no money has been posted to my account to pay off the loan. I have contacted their loan department several times and no one knows where the money is. I went to the local branch to make a XX/XX/XXXX payment so I would n't be late and showed the bank teller the canceled check that had Bank of the West stamp on the back and she called the loan department. Someone said oh the money was in routing and would be applied to my account. That was on XX/XX/XXXX and still nothing has happened. I have had to take time off work to try and figure out what is going on. Can you help?
|
| 09/02/2022 |
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
|
|
Web |
|
|
Applied for a Bank of the West credit card. Got approved for a XXXX credit card. I had a pay no interest balance transfer offer that I decided to use to transfer the balance of two other credit cards ( XXXX, XXXX ). Bank of the West processed the balance transfers on XX/XX/XXXX. I waited a week for things to settle. It has been more than a week and upon checking and calling XXXX and XXXX they say they dont know anything a balance transfer and I still owe them the money. Bank of the west created a new debt without paying my other creditors first. I believe that until the transferred gets approved and paid off they shouldnt be charging interest or running time on their promotional offers. I talk to customer service they say they agree with me but they just work there and that it is common practice of them to do that. I dont understand how the bank is allowed to do this kind of things to people. Sound simple. Dont charge people interest or run time on promotions if you have not even paid off or transferred the balance. As a consumer I feel like
|
| 06/12/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
With permanent XXXX arising, XXXX XXXX XXXX was paid in full nearly $ XXXX reconveyance in XXXX of 2018, just prior to daughter XXXX XXXX ' release from custody. Upon XXXX 's return there has been many discrepancies and even a protection order placed from herself at her permanent location. I have filed multiple complaints regarding this issue with entities such as the Department of real estate, FBI, OIG USPSIS, USPS, FTC, IRS, FTB, BOE, DMV and even the attorney general. With myself no longer being at the home occupation this has opened the windows for real estate fraud and all the while attempting to remove the residents of XXXX XXXX, there is harassment. like such today, I have no devices to use to report acts of stick up for oneself. I have recently reported the entities that i believe may have spyware on my servers which had provided and insight to my loan modification. daughter XXXX XXXX and escrow agent XXXX XXXX have some sort of conspiracy to commit murder and are under investigation today for the manslaughter of XXXX XXXX.
|
| 09/22/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
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I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XX/XX/2016. Despite this fraud alert an individual at Bank of the West was trying to secure an auto loan for a XXXX Chevrolet Corvette from XXXX ( XXXX XXXX XXXX XXXX , XXXX, IL XXXX # XXXX ) and did a hard pull on my credit report on XX/XX/2016. As is standard when authorizing a hard pull on an individual with a fraud alert, the individual at Bank of the West should have made outbound calls only to verify my identity and proceed with the pull, but instead either accepted an inbound call or did a pull without my authorization speaking with the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. This employee of Bank at the West acted negligently and Bank of the West needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement an reached out to the XXXX Police Department two times now.
|
| 02/22/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I ( XXXX ) opened a checking account with Bank of the West ( " bank '' ) on their website. I set up an initial account opening deposit of {$500.00} on my credit card ( issued by XXXX ). A few days passed my {$500.00} transaction posted and I have a {$500.00} balance. On XXXX 2017, I received email from the " Bank '' saying my account is closed due to a secondary review. I immediately contacted the bank and was told the reason. I did not argue with them but I asked for money back. A supervisor said they will refund me the money by issuing credit back to my card ( issued by XXXX ). Few days pass I do not see the money. The " Bank '' said they issued the refund and I need to talk to XXXX. I called XXXX and they said they do not see any refund transaction. If there were a refund transaction it will automatically post to my bill. Right now I can still log in the online portal at " Bank of the West ''. It shows I have a valid account but balance is {$0.00}. Basically the " Bank '' took my {$500.00} and never gave back to me.
|
| 07/31/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
In XX/XX/XXXX took out HELOC with XXXX XXXX XXXX for {$16000.00}, which was purchased by Bank of the West shortly thereafter. After getting some financial stability back, we decided to refinance starting in XXXX. After repeated and repeated requests for a payoff in writing from our mortgage brokers, it wasn't until XX/XX/XXXX they finally decided on a sum. Not correct but paid anyway to get them out of our life. Somehow they put two liens on our house, which we paid ( SEE ATTACHED ). They however after 2 years have only released one. They have no contact information for their conveyance department. My title insurance company gave me an email address. So I sent an email requesting the release on XX/XX/XXXX. Still on record at county clerk 's office, the only correspondence we have received from Bank of the Worst is letters of loan default. I am at my wits end, this bank has added accounts, changed account numbers and have no clue what fiduciary duty even means. We paid the liens off, they need to release immediately.
|
| 10/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
The bank charged me a {$35.00} fee which was unfounded and a huge disservice as a single mother who literally counts pennies to feed my child. I will not have anymore income for two weeks and that {$35.00} dollars was literally the budget to feed my daughter! Child Support issued my benefits on XXXX/XXXX/16 ( documentation attached ). I wrote a check in the afternoon on XXXX postdating it for XXXX/XXXX/16 which is when the {$130.00} showed up in my bank ( which was initiated on XXXX ). Yet, somehow when I woke up on XXXX/XXXX/16 the check had already been cashed ( again it was post dated XXXX/XXXX/16 ) and I had a {$35.00} fee. I do not have any money to throw around and I am disgusted in the Bank of the West for fraudulently sneaking in fees like this. I would normally let it slide, but I do not even have {$35.00} left in my bank to feed my child for the next two weeks thanks to this unexpected fee which I did my best effort to avoid by not letting my account go negative, but still got XXXX over by Bank of the West!
|
| 10/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
XXXX XXXX wis excited and she message me on my XXXX message out blue that she won and told me that my name was on the list I must sign up i sign up fill out form from XXXX Banker email XXXX ( deaf XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) He told me that i won winning check XXXX He been telling me to buy gift card and money I have no idea why I started to do that XXXX told me to buy i will get my money back to pay off my bills and need XXXX XXXX to get my winning check my credit card will not let me I knew something not right and i stop and we file police reports 6 times and i went to my bank that we change our checking account and my bank told me that that fraud people took my money out my checking account {$3200.00} out to paid XXXX XXXX and they turn down went back but we never came back that was not authorized ... that money went to Bank of West that is not my bank my bank is mainstreet XXXX XXXXBank of West try to paid my credit cards bills they don't accept their payment Bank of West that where froud people
|
| 05/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have an RV loan with Bank of the West, and for 10 years I've been trying to get them to send a monthly statement to me, but each time I call they say " they are working on getting monthly statements set-up ''. I do not receive any statements from them at all. I have to put a reminder each month on my calendar to remember to pay - - I never know if they receive it, if I've incurred any credits/ late charges/ or how much I still owe. They encourage me to call them each month 10 days after I've sent my payment to make sure it has been credited, and then they can give me any information I need. This is not an easy task each month as the average call waiting time is 45 mins.. They do have on-line banking, but they blocked my account from accessing my own statements because of a bankruptcy that I had 11 years ago. I feel Bank of the West denying me my own account information ( expect by calling in ) and not providing me monthly statements unlawful. I'm unable to provide any documentation due to never receiving any????
|
| 01/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
My small business was granted a XXXX XXXX through Bank of the West. The XXXX granted partial forgiveness on the loan on XX/XX/2021 at which point the loan was converted to a Commercial Loan.
On XX/XX/2021 I requested a payoff letter through the branch manager at Bank of the West XXXX to pay off the unforgiven portion of the loan.
On XX/XX/2021 I went to the XXXX Bank of the West office, met with the branch manager, and paid off the loan in full using the information from the payoff letter he provided.
In the seven months since paying off the loan I have tried repeatedly to obtain paperwork showing that the loan has been closed. I contacted the Commercial Loan department, who said I must contact the XXXX group through email. I contacted the XXXX group who indicated the loan had been converted to a Commercial Loan so they could not help me. They referred me to my Relationship Manager at my bank. I contacted the branch manager who after two months has been unable to produce documentation that the loan is closed.
|
| 06/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I opened an account A local on-line banking institute about seven months ago upon completing the enrollment process on-line, I was promised a {$300.00} enrolment bonus, when I contacted my bank via on-line I was given a run around, which to date I still have n't received any portion of the {$300.00}. I 've received several bounce slips with choice words as to refer to the " MAKER '' for reason of non-payment, I received conflicting deposit and withdrawal codes. I did attempt to correct or fix the errors, but to my surprise I was n't that lucky. Today I went to the local branch to just cash a payroll check from my employer and was informed my account had been charged-off for non-payment. I was however able to immediately reopen my checking account successfully with a XXXX dollar deposit, but given no explanation as to why so many problems to where it has effected my credit and credit score negatively, not to mention embarrassing and frustrating to name a few. The bank I 'm referring to is XXXX XXXX XXXX Checking.
|
| 04/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Ive contacted Bank of the west for the last 2 months trying to get erroneous fees reversed on a dormant account that Bank of the West required I open in order to obtain a loan on my RV from them.
I have called and spoken to the XXXX, CA branch manager only 1 time which took more than a dozen phone calls, her name is XXXX XXXX. She would not return any fees or close the account at my requests and has not provided another avenue to get this accomplished.
I then called XXXX 's regional manager, XXXX XXXX at XXXX multiple times in the last month about the account that was opened and Ive wanted to close because the fees you are charging for it. Again, the loan department required I open it and said it would be free but they are charging a monthly fee. I dont want to pay for an account that is not needed. Ive asked for the charges to be reversed and the account closed because its not active. Both XXXX XXXX and XXXX XXXX at XXXX branch wont help me and I continue to be charged for an account I can not get closed.
|
| 03/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I ordered a computer from XXXX, using my Bank of the West debit card. They charged a pre-auth charge initially, taking it from my account and then shipping the PC, after which they removed the charge. Then they later tried to charge me again, at which point the machine was already according to XXXX tracking in my city, and my account did not have enough funds so they intercepted the shipment and had it sent back to XXXX saying they would issue a refund that I should see within 3 days. It has been a week now ( over double that ) and they refuse to tell me if a refund is even in order. I have received no machine from XXXX. I have contacted BOTW to file a dispute but they refuse to mail me affidavit forms that I must fill out and mail back and then wait 10 days to be processed in order to see if I am even eligible to get my money back. This is MY {$1200.00}, it was stolen from me and I never received the product. I want it back immediately. I believe Bank of the West has stolen from me, in accomplice with XXXX.
|
| 03/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Bank of the West on XX/XX/XXXX for XXXX $ Deposited brought available XXXX $ from a XXXX balance. This showed available online. Later the funds were manipulated somehow after I conducted businesses with the available funds of XXXX XXXX Later that evening the funds reversed without any activity and a letter was sent about the error the following day addressing that there was a bank error to no fault of my own. I proceeded as it directed and was refused at the XXXX wells branch by a bank manager who claims she knew what that letter was and didnt want to see it and told me to leave that my account was going to be closed.
Secondly in that same month XXXX XXXX came into the account by mobile deposit and XXXX $ came available which I made payment to my auto insurance XXXX XXXX with confirmation number available upon request. The payment was recinded and my account was closed later receiving a statement with no history of the payment. I phoned about it with XXXX XXXX and they could not provide any information.
|
| 12/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
My husband and I signed account closure paperwork for our savings and checking accounts with the bank on XX/XX/XXXX and withdrew our funds to a XXXX balance. The bank allowed a fraudulent charge to our checking account of {$25.00} on XX/XX/XXXX and tacked on various overdraft fees and refused to close the account as it was now in a negative balance. Note that they also refused to close our savings account even though no charges were made to that account. After negotiating with the bank and filing a fraud claim all charges were reversed by XX/XX/XXXX and we requested the XXXX branch manager on both XX/XX/XXXX and XX/XX/XXXX to close the accounts at that time. Not only have they not been closed, a fee was applied XX/XX/XXXX and a further overdraft fee was applied XX/XX/XXXX. Despite a third request to the bank branch to close the accounts on XXXX our accounts remain open as of XX/XX/XXXX. This includes the savings account which has been at a XXXX balance since XXXX with multiple requests to close it.
|
| 05/18/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
For over two years, I have been a victim of identity theft. The identity thieves have opened numerous charge accounts in stores, applied for several credit cards, using my personal information as their own. I have know idea how they obtained my information.
On XX/XX/XXXX, someone opened a bank account at Bank of the West with overdraft protection. Shortly afterwards they overdrew the account for {$5300.00}. Bank of the West turned the matter over to a collection agency who contacted me in XXXX, XXXX. Because I disputed the debt, they suspended collection efforts and asked Bank of West to look into the matter. This debt of {$5300.00} is still on my credit reports and has hampered by ability to take advantage of lower interest rates to finance my house. They have slandered my credit and do don't respond. I have complied with all their requests including filling out numerous forms, sending them a copy of my drivers license and obtaining a police report. I have copies of all correspondence.
|
| 04/17/2016 |
No |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
THE BANK CHARGED AN ADDITIONAL IMPROPER {$35.00} DOLLARS INSUFFICIENT FUNDS FEE, PLUS A MONTHLY SERVICE CHARGE OF {$10.00} TO TAKE AWAY MY EARNED {$10.00} DOLLARS BONUS FOR USING POPMONEY SERVICES. AS BECAUSE OF THIS BANK ACTION {$48.00} DOLLARS IS MISSING FROM MY BANK CHECKING ACCOUNT.
THIS BEGAN THURSDAY XXXX XXXX AS A MERCHANT REQUEST FOR PAYMENT CAME IN FOR IN WHICH THE BANK PAID AND CHARGED THE {$35.00} INS.FUNDS FEE THIS MADE MY ACCOUNT BALANCE A NEGATIVE - {$8.00}. EARLY FRIDAY MORNING I MADE A CASH DEPOSIT FOR XXXX DOLLARS THIS BROUGHT MY ACCOUNT IN THE POSITIVE TO {$XXXX, LATER THAT MORNING VIA ONLINE BANKING I CHECKED MY ACCOUNT BALANCE IT WENT FROM XXXX TO. {$160.00} MISSING {$35.00} dollars. ADDITIONALLY THE BANK CHARGED MY ACCOUNT A MONTHLY SERVICE CHARGE FEE OF {$8.00} BUT I HAVE A NO INTEREST EARNINGS CHECKING ACCOUNT WITH NO MONTHLY SERVICE FEE CHARGES. AND CUSTOMER SERVICE REPRESENTATIVE WOULD NOT EMAIL OR US POSTAL MAIL SEND ME A CLAIM FORM FOR THIS ISSUE, THANK YOU.
|
| 07/30/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I have a HELOC account with bank of the west. On XX/XX/XXXX, I made a payment of {$11000.00} for my HELOC account from my checking account with bank of the west using internet banking online. My outstanding balance was {$11000.00} on XX/XX/XXXX. The amount was deducted immediately from my checking account. However, it was never credited to my HELOC account. I have contacted the bank so many times over phone and email. The phone support kept asking me to wait for 2 business days 5 times and email support never respond. The phone support says it is escalated and will be resolved in 48 business hours but it never happens. I keep following up every 2 business days and it is frustrating to hear the same story. I want to pay off the loan and close my account but they are not processing this payment and the interest keeps incurring. I do not want to make a duplicate payment. I suspect there is some foul play at the bank with the payment issue to just prevent me from closing the loan account.
|
| 02/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We obtained mortage from Bank of the West on a business property that my wife uses as her business in XXXX of 2013. We have paid as agreed, however my wife has been XXXX, and can no longer conduct her business. We have decided we need to sell the property, but the bank will of course accelerate the loan and will trigger the due on sale clause. At this stage they also want to charge me a prepayment penalty. We can not afford to sell the building and pay approx {$18000.00} in a prepayment penalty. Kind of like a Catch 22 situation.
We would like the bank to take these other factors into account.
WE HAVE PAID FAITHFULLY AND UP UNTIL THIS POINT I HAVE TOLD ANYONE WHO WILL LISTEN THAT I THOUGHT THE BANK WAS GREAT TO DO BUSINESS WITH. I BELIEVE I AM RESPONSIBLE FOR AT LEAST XXXX OTHER PARTIES USING THEIR SERVICES.
I WOULD LIKE TO REMAIN ON A GOOD FOOTING WITH THEM, AS I HAVE OTHER BUSINESS WITH THEM. HOWEVER I FEEL THE ENFORCING BOTH THE DUE ON SALE AND THE PREPAYMENT PENALTY IS WRONG.
|
| 08/19/2020 |
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
|
|
Web |
|
|
On XX/XX/2020 I paid {$420.00} to XXXX but never got the designs promised. I placed a dispute on the card. I raised a dispute on this charge as I never received the merchandise which was promised, in fact the merchandise I have received is of no use. I had to hire someone else and pay them {$1100.00} to do the job. I spoke with XXXX of Bank of the west who is taking care of my dispute. On Monday XX/XX/2020 she asked me to provide her with all the documents which I did, and later she promised that if the promised merchandise hasn't been provided by the merchant and if I have hired someone else and paid them {$1100.00} she will provide me a permanent credit. I spoke her today and she said she will take another 50 days to give me a credit, what is this nonsense.
I have attached all the proof against XXXX, this company has betrayed me and hasn't provided the merchandize and you are still taking side of this company.
I want the matter to be resolved here otherwise I will go to court.
|
| 11/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I have a loan with Bank of the West and am in the process of selling my house to payoff the loan. In the payoff statement, Bank of the West charged me a late fee of {$670.00} when I have not been late at all. I called their mortgage customer service line, and the customer rep, XXXX, assisted my call on XX/XX/XXXX at XXXX CST. He confirmed that my loan is on the deferred program until XX/XX/XXXX and there is no late fee charge on my account. He said, they couldn't change my payoff statement and ask that I pay the late fee and get reimbursed after the close of escrow.
Why would anyone pay a fee that he/she did not incur? Requested to speak with their supervisor and manager, and was placed on hold for over 20 minutes. After that, I was transferred to his voicemail, XXXX XXXX.
Customer should not be asked to pay for a fee that he/she is not incur. I am infuriated by this treatment and am filing a compliant against Bank of West for improper charge of late fee against their customer.
|
| 01/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
I have a business checking account at Bank of the West in XXXX. Every check I deposit That can be considered " large deposit '' which is more than {$5500.00} they hold it for longer than XXXX days. At present I have a check I deposited on XX/XX/XXXX and I was told by the bank it would be released to me on XX/XX/XXXX.
1 ). Every single check I deposit over {$5000.00} is held longer than 7 days 2 ). No check coming into my account has every not been payable.
3 ). The holds cause my checks to bounce.
4 ). The checks are from the same companies month after month yet holds are always placed on my checks.
5 ). in violation of federal law I do not receive any notification of the hold or when it will be removed until a week later by mail or I have to call the companies customer service.
6 ). Bank of the West refuse to verify the funds so they can be release in violateion of Regulation CC which requires banks to release funds XXXX hours after the banks have verified the check is good.
|
| 06/28/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
i refinanced a home equity loan with my local bank, who in turn wired the payoff to Bankof the West. Bank of the west would not apply the payoff and close the loan down because they said it was not enough money to close the loan. They had calculated the payoff out another month for a payoff for XX/XX/XXXX, and my new bank sent the payoff for the correct amount on XX/XX/XXXX, and Bank of the west would not apply the funds. After another 5 days passed, Bank of the west debited my checking account for the regular monthly payment, then XXXX days after that, they applied the payoff my new bank sent them and closed it down. I have emailed and called bank of the west numerous times and can not get a response from them. Bank of the west has taken an additional {$1300.00} from me and will not put it back into my checking account. Bank of the west received a payoff from my new bank, and held those funds for over a week even though my new bank instructed them to payoff the home equity line.
|
| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Bank of the West is stating that they spoke with me about issues with the GAP insurance and the loan. They have never had a conversation with me and I want proof of the recordings. There were never communications with me and if someone was stating to be me it is fraud and the recordings will show. Bank of the West is also stating and admitting the this car was paid IN FULL by The end of XXXX in 2018. This fraudulent error of keeping the negative on my credit report is causing my family to not be able to get a car or buy a house. The car was paid in full. Payments were never missed. Insurance paid and the GAP paid the bank. I demand that Bank of the West Furnish proof that they spoke with me and as well ask for good faith of removing this reporting from my credit report. Why would it be reported as bad debt when the bank received everything it was suppose to receive. Payments before the accident were perfect history and then insurance and GAP paid the rest. This is Blasphemous.
|
| 02/03/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I sent a wire transfer to Bank of the West in California for {$20000.00}. for a vacation which was a fraud. My Bank here in Hawaii XXXX XXXX XXXX XXXX sent the transfer. I was suspicious 2 days later and I called the bank of the West to report it as a scam. They responded that it would be reported. I notified my bank and they also notified the Bank of the West of the fraud.
i have tried to notify all the people who can help. I sent a report to the FBI, the FTC, and the Fraud dept in the US government.
i know after reading about the scams online that the people who receive money through this means are called mules. The scammers hire them and they open bank accounts to collect the money for them.
The money was received and collected at Bank of the West in XXXX XXXX.
According to my bank the account has been closed by XXXX XXXX and no money can be retrieved. I believe that the Bank of the West is responsible for this as they were notified within 48 hours that it was fraud.
|
| 12/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I applied for Bank of the west checking account promotion online since they were offering {$150.00} credit. I completed all requirements to get the bonus and to my dismay I was denied claiming another house hold rep received a bonus this year. I called BOW customer care and spoke to someone right after acct opening and these guys are not organized and only specialized in wasting valuable customers time. I asked customer care rep If I qualify for the Bank promotion that I applied. I was told that I am qualified and I need to wait until XXXX XXXX to receive the bonus and they never told me that I am not qualified since another house hold rep received a bonus this year which is not true.
I am checking my tax returns for last year 2015 and I do n't see a XXXX interest income statement from Bank of the west and I do n't have any promotion applied to my account this year either. Same is true for my wife since we file taxes jointly and no other household reps lived at my house.
|
| 02/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am currently XXXX and unable to work or secure full time employment. I am attempting to resolve a few issues on my credit report so I can relocate though a low income housing program offered through the Local Housing Authority. I am being represented by a credit counseling agency and on XX/XX/2021 they attempted to contact XXXX XXXX XXXX on my behalf to pay this resolve this debt on my behalf. I was literally in the office with them when they made the call and they refused to cooperate with my representative. This type of behavior is unacceptable from a professional debt collection agency that they claim they are. I will be contacting there client, Bank of The West and ensure that they are fully aware what kind of 3rd party company they are associating themselves with. We were simply calling to confirm the nature of the debt and pay it using the housing authority funds allocated for me through the homeless initiative. Why does a debt collector not want to collect debt?
|
| 11/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I have tried to open an account with the bank of the in Colorado on XX/XX/2019. Only one person knows how to do the account set up and she is always busy. So i decide to open up my account online on XX/XX/2019. Went in on XX/XX/XXXX to deposit my pay roll check and was informed that the account is so new thats not in the system yet. They told me to leave me check in the overnight deposit and it will be in there on the XX/XX/XXXX. I called them on XX/XX/XXXX asking them why my check is not in my account? They said " since you are so new with us we will be holding your check for 9 business days. ". I was never informed that check was going to be held not online or when I was in there in person. I asked them to give me my check back. They said no it's to late its in the system now and it can't be reversed. I said but it's not in my account how is it your system. They said it's just how ower system works and hung up. So im broke and have to wait 9 business days for my money.
|
| 06/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
My issue is with Bank of the West regarding a payment I sent to pay off the loan for a recreation vehicle loan.
On XX/XX/2020 I sent a payment of {$36000.00} ( via USPS signature required ) to Bank of the West for the purposes of paying off the loan.
On XX/XX/2020 Bank of the West signed for the payment, validated through the USPS website that shows the name of the person who signed for the payment. As of today, XX/XX/2020, the payment has not been posted to my account.
I have attempted to contact Bank of the West by using their website messaging system, with no response.
I have also called Bank of the West daily since XX/XX/2020 in an attempt to obtain a status update - why the payment has not been posted. Each time I have called I was on hold for over an hour and half then subsequently disconnected at the hour and half mark.
I have contacted the XXXX XXXX XXXX for help and they too have not been able to help. No one has contacted me from Bank of the West.
|
| 03/30/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
On XX/XX/2017 I arrived to Bank of The West. I approached there ATM to deposit the amount of {$100.00}. I unknowingly used my prepaid card unaware i was n't able to use the card at the Bank of The West ATM. After depositing my money I received a receipt stating at XXXX " We encountered a problem returning your cash, please contact your financial institutions '' after trying to withdraw my money back, I got error reading. I contacted the Branch Manager at the bank and they stated my Prepaid card company ( XXXX ) would have to make a claim stating that i lost my money at Bank of The West ATM. but since there was no transaction of the money depositing into my card they where unable to file this claim. After spending hours on the phone with the branch manager again she said that she contacted the ATM Branch and they are now stating I was never there at the ATM and they are not Over the amount of {$100.00} But I have proof of I was there. I am attaching them to this Claim.
|
| 03/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
XX/XX/2021 I received a letter stating I owed {$10000.00} as a cosigner on a XXXX loan for my son XXXX XXXX. He surrendered the vehicle without my knowledge or approval. In fact they claimed I was the sole owner and signer on the loan. If that were true nobody but me should have been able to surrender the vehicle. The amount they ended up reselling for was {$15000.00} less than the amount paid off and the blue book value of the vehicle. I was never given the opportunity to take over the payments and sell at a profit other than the exaggerated loss they claim. I started paying XXXX} per month to keep this issue out of collections while I contacted the federal agencies and now your agency. This is complete fraud on the part of my son and Bank of the West. They have so far refused to return the XXXX to me or remove me from obligation. I could easily sold it as a take over payments and even collected a cash amount over and above the amount they claim to have sold it for.
|
| 07/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/XXXX, I opened my Premier Checking Account and my Choice Money Market Savings Account with the {$600.00} bonus offer. I went into the XXXX XXXX Branch on XX/XX/XXXX and made the qualifying deposits to satisfy the bonus requirements. The banker confirmed on that day that I was eligible for the {$600.00} bonus after the qualifying activities.
However, on XX/XX/XXXX, the online service agent XXXX XXXX declined the bonus without telling me the specific reason. Then on XX/XX/XXXX, XXXX XXXX asked me to contact the branch. Upon checking my account history, I have only received a bonus when previously residing at XXXX XXXX XXXX. I also received confirmation for successfully enrolling in this offer on XX/XX/XXXX. So I should have been qualified for this {$600.00} bonus offer. Since I am no longer in the XXXX area, I am unable to go into the branch to ask them to investigate this offer. Would you mind checking it again and make the bonus available for me? Thanks.
|
| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Dear Sirs, I think the Bank of the West Credit Card Service is deliberately trying to prevent me from using the cards : 1 ) Payments made won't show as available funds : I have made XXXX payments on XX/XX/22 & XX/XX/22, and none of them show available funds as of today. My available balance stays as {$8.00} for the past 14 days.
2 ) Payment made has no record of it : I have tried to make a XXXX payment since, and there is simply no record of it.
3 ) It blocks access from making payments : As of XXXX, it shows I have a current balance of {$170.00} on the web portal in the past 10 days, and I have been trying the make a payment for this balance but it won't let me make a payment of any amounts, it simply won't go through.
Please resolve this with Bank of the West ASAP, and provide an update. I am a very determined person and will not stop until this is resolved.
Thank you for your attention to this matter and all the kind help.
Sincerely, XXXX XXXX XXXX XXXX
|
| 01/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX My sister opened and deposited my Tax return cashiers check for me at the Bank of the West in XXXX XXXX at XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. Later i gave my sister permission to withdrawal money out of the account for myself bc i was unable to do so. The account number is # XXXX. The remaining balance of the account should be roughly about {$21000.00}. When i was home and able to go to the branch myself with my sister, on XX/XX/XXXX around XXXX we spoke to the XXXX named XXXX XXXX XXXX XXXX XXXX XXXX He told us that the corporate security had shut down the account and there was nothing that we could do about getting my remaining balance back. This is unheard of, I've never heard of a bank being able to steal your money before. When i called in on my account it says there was a debt of {$21000.00} XXXX XX/XX/XXXX. But i never took that money out and I'm trying to figure out how to get the remaining balance of my funds.
Thank you very much
|
| 05/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
I have had several phone calls rom bank of the west, concerning missed l loanloan payments.after several calls and going over the same reasons why I stoped paymentstoped payments.I agreed to voluntary reprosession of said vehicle. As Ionly had the vehicle in my position for aproxmatly 3 weeks since XX/XX/XXXX to date. Bank of the west said they were taking the vehicleto auction and selling. I have never ben advised of when where or howmuch it was sold for. I have received nothing in writing.My credit report said the account was closed and paid in full.
Now since XX/XX/XXXX I have received XXXX phone calls from someone who says they oursays they our collection agency.Asking for my social security and address .I told them if they our from the Bank of The West they should have that infoinfo.I felt it was a scam and hungup. I have received no written noticesince being contacted in XX/XX/XXXX by Bank of the West for a latepayment and advising of voluntary Reprossion.
|
| 02/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Account shut down due to " XXXX '' the CSR 's could not elaborate. I'm looking for answers. Where's my XXXX dollar account opening bonus, what was the XXXX reasoning ( too many new accounts, negative comment ) and lastly what will you be placing on my XXXX XXXX for closing reason. I am following up with the CFPB. The manager XXXX in the XXXX branch was the one that terminated my account, but she couldn't elaborate. She gave me the runaround and told me to contact the XXXX number in which they told me to contact the branch manager ( XXXX ). My account had been open for 4 months and I completed the bonus requirements before the date of XX/XX/XXXX when they needed to be completed by. Was locked out of my account last week, and have a letter saying it'll be " fully shutdown '' buy theXX/XX/XXXX.
I called in today the XX/XX/XXXX This can be linked to the other CFPB dispute I sent the other day. I received new information ( letter and correspondence with a manager )
|
| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
Bank of the West again, all they did was steal my money, then just closed my account without warning, or another regard to my banking issues. There so bad that i have pending returns active right now that are going right to there pockets, because they cant be reached by phone at all, they cant be reached by email, and they locked my account so I cant even request a statement or receive and ask for my refunded funds back. I mean who the XXXX dose there bank think they are. Its XXXX and I have no other way to getting a hold of them. they just make up XXXX as they steal my money from me. I hate this bank with every once of hate i have toward a company. They steal your money and there is nothing ANYONE dose to stop it!!!!! So now what, they will respond with a bunch of XXXX, that wont do anything, and they get away with stealing my money again. The owe my XXXX for all the returns that they have keep to them selves. but will i see any of that money ... ... .NEVER!!!
|
| 03/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
My account was incorrectly levied by the California Employment Development Department ( EDD ). Bank of the West withheld the notice of levy for an entire week until after the account had already been incorrectly levied. Had they given me the notice on time I could have notified the EDD to find out what was wrong and fix it before funds were withheld. Due to the extreme delay of Bank of the West all of my bank accounts were in fact levied causing them to be overdrawn and then incur almost XXXX of overdraft and retuen item fees. Even after the EDD notified them that they levied in error they continiued to charge these fees. This was not an oversight on my part or simply being careless with my account. This was an error that was done by the EDD and had bank of the west not held the levy notice for so long it would have been corrected before any overdrafts even occured. Now they have closed my accounts due to these fees and have sent fee amounts to collections.
|
| 05/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a new travel trailer from XXXX XXXX on XX/XX/XXXX, and financed through Bank of the West. The amount financed on my retail installment contract is {$17000.00} and payment amount is {$160.00}. When I received my loan payment book from Bank of the West it showed a balance of {$26000.00} and payment amount of {$230.00}. I called Bank of the West onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and also went in to a local branch on XX/XX/XXXX. Everyone that Ive spoken with agrees that the amount is incorrect and they have a different vehicle listed as the collateral than what I purchased. Im always told that itll be fixed within 48-72 hours. I had to make the higher payment on XX/XX/XXXX to avoid having a late payment show on my credit report and I was told it should be fixed by the next week. The next payment due date is a couple weeks away and Bank of the West still shows my balance {$9000.00} higher than it should be and a higher payment than what I owe.
|
| 01/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Bank of the West has been unable and unwilling to assist in resolving an issue that occurred AFTER the loan was paid in full, title released, and overpayment sent. They are now claiming we have a balance on the loan, without being able to provide any documentation as to why. I have contacted at least XXXX customer service representatives beginning on XX/XX/22 attempting to resolve this issue. I have requested a complete loan history transaction 6 times and to date have not received any information. Multiple employees have said they will research and call me back. No one has followed up or provided any information. One supervisor ( XXXX XXXX XXXX said loan was paid in full and he would send documentation to confirm, other employees said a check was returned XXXX from XX/XX/22. I have provided complete proof from the payee bank that the check was paid upon presentment and a copy of the bank statement showing the check was indeed paid to Bank of the West.
|
| 08/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
I was assessed 2 fees by my bank, the first on XXXX XXXX for {$170.00}, and the second on XX/XX/XXXX for {$35.00}. I feel these fees were unfairly applied to my account. Upon examining the Federal Reserve regulations with my Attorney, we came across regulation ( 230.4 ( b ) ( 4 ) ), which governs how a bank applies fees. and it states, " An institution must specify the categories of transactions for which an overdraft fee may be imposed. For example, it is sufficient to state that the fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. It also states " However, it is insufficient to state that a fee applies for overdraft items. upon looking at my account these two fees were labeled as followed : XX/XX/2018 FEE {$170.00} UNCATEGORIZED XX/XX/2018 FEE {$35.00} UNCATEGORIZED I feel that this is a violation of the above regulation.
I tried to contact the bank when this happened and I was hung up on.
|
| 12/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I recently received a letter in the mail regarding a past due balance of {$100.00} from a collection agency, XXXX, as stated in the attached letter. On XX/XX/2016, I called Bank of the West and spoke with XXXX, a service banker located at XXXX XXXX, NV XXXX. Per XXXX, my account was closed in XX/XX/2016 and was re-opened on XX/XX/2016, by Bank of the West, due to an automatic bill pay service that attempted to withdraw funds. She stated this bill pay service was not paid by my account with Bank of the West but the re-opened account was charged an NSF fee. Bank of the West re-opened my account without my permission and/or notifying me and is charging me a monthly maintenance fee and NSF fee for an attempted payment. XXXX mentioned this is a common practice for a bank to re-open an account once it has been closed and will not drop the charges. I am still unaware as to how I can be held responsible for charges made on an account that should not exist.
|
| 09/21/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
I XXXX XXXX have been banking with bank of the west for almost a year now from the beganing I have been treated poorly and never getting to have things explained to me from checks bouncing paying them within the five days and still having collection agencys contact me about unpaid debits after all of this that bank closed my account for getting upset for getting into my account without permission or me giving them my account number I don't know how they did that after get mad they told me I didn't have any money in my account witch was a lie I had XXXX dollars after they told me I did have money in my account when they said I didn't they made me withdrawal my money and closed my account I was getting a settlement soon to be deposited into my account now I can't find it I don't have a bank account for reasons that could be avoided and money that was unsafe taken from me and also almost losing my life for please help me resolve this matter XXXX XXXX
|
| 04/19/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
MY FATHER PASSED AWAY ON XX/XX/2019. I HAVE BEEN ATTEMPTING TO GET EVERYTHING THAT WAS UNDER MY FATHERS RESPONSIBILITY TAKEN CARE OF. I WAS UNAWARE I HAD TO GO THROUGH PROBATE TO BEGIN WITH. NO ONE WOULD TALK TO ME. THEN I FIND OUT I DID NOT HAVE TO GO THROUGH PROBATE BECAUSE I AM THE ONLY CHILD AND SURVIVING FAMILY MEMBER. I FINALLY GOT THE COURT TO APPOINT ME AS THE PERSONAL REPRESENTATIVE SO THAT I CAN FINALLY COMMUNICATE WITH THE LENDERS/LENDING INSTITUTIONS, OR SO I THOUGHT. THROUGH THIS ENTIRE PROCESS I HAVE SENT MY DOCUMENTS TO NUMEROUS FACSIMILE NUMBERS SO THAT I MAY REQUEST A PAYOFF DEMAND TO PAY THESE LENDERS OFF BUT NO ONE EVER PROVIDES ME ACCURATE INFORMATION NOR A PAYOFF DEMAND. NOW THESE BANKS ARE FORECLOSING ON THE HOMES I GREW UP ON. THESE HOMES MY FATHER PURCHASED WITH A LOT OF SACRIFICE AND I REMEMBER HIM LIVING IN THESE HOMES GROWING UP. WHILE TO SOME THESE MAY BE A UGLY HOME BUT TO ME ITS A SENTIMENTAL VALUE, THAT HAS NO PRICE.
|
| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have recently applied for a mortgage to buy a house and my credit was pulled. On my credit it shows that I was late on three of my home mortgages which is not correct. My mortgage is set on automatic payment with my bank and the three late payments was during the pandemic that we had deferment payments period and during those periods we show one late payment. Plus two others that is the bank 's mistakes. My account was compromised as well and I opened a new account but the bank did not make the changes on time to pull out the money from my new account therefore showed late payment. They promised that they would reverse these late reports but they have not done that. This was supposed to be taken care of by my account manager but he has not done his work. I am disappointed that the banks mistakes have affected my otherwise perfect credit score. I have been current with all my mortgages including my commercial mortgages. This is not acceptable.
|
| 02/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was denied my student loan because of a debt from the Bank of the West account that I did not open nor had any idea about. The account has already been sent to collections, and it is showing up as " unpaid '' on my XXXX credit report for {$2000.00}. The collections agency it's been sent to is " XXXX XXXX XXXX '' based in California. I can not receive my student loan until this is resolved, therefore preventing me from graduating.
The only dates I have available are ( from the XXXX report ) : DATE ASSIGNED : XX/XX/XXXX ( I think that means the day it was opened but I am not sure ) TODAY XX/XX/XXXX : I filed a police report with XXXX Police Department online The {$2000.00} is still unpaid. The Bank of the West said that the case is out of their hands because the debt has already been sent to collections There was another account opened ( XXXX XXXXXXXX ), but I was able to get ahold of them and have them resolve the issue on Friday XX/XX/XXXX.
|
| 08/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/2022 I used XXXX to pay bank of the west on my behalf. Payment ID XXXX. XXXX sent {$1600.00} to bank of the west and they received the ach on XXXX ach trace # XXXX. I have called bank of the west multiple times ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ). I gave bank of the west the trace number starting XXXX once I received it from XXXX Every time Ive called they keep saying its being sent to escalation and call back in a couple business days.Im told today XXXX that bank of the west returned the funds but they are unable to give me a date or trace number. XXXX is not showing a return of payment. XXXX has been very helpful and timely helping me research this payment. Bank of the west has not posted it to my account and cant give me the return payment info. What I am asking is that you help me with bank of the west and finding where my missing funds are and why they havent posted to my account. Thank you
|
| 02/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
My funds were low in my account. I turned off my bank debit card on the Bank of the West App ( turning " off '' your debit card prevents charges from being made against the debit card. It is a feature of the Online Banking App ). I was not informed about a problem, nor was I given the opportunity to make things right with my bank before I was charged an obscene amount of punitive Fees. These fees are predatory in nature and even though I work for Bank of the West, this is not an ethical or lawful practice which is why I am reporting this to you. I also need the CFPB 's help recovering the fees that I'm being charged in the amount of {$160.00} In other words, I am asking for the CFPB 's help in getting a refund of these abhorrent fees from Bank of the West which are both punitive, predatory and inherently discriminatory.
The Fees are broken down as follows : {$35.00}, {$30.00}, {$25.00}, {$35.00} and {$35.00} for a total of {$160.00}
|
| 05/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
I sent bank of the west and check from my insurance company it was more than the payoffs was so they have lost the check the supervisor and manager don't even care the check is lost they don't even care they are cheating me out off a lot of money they tell me that there is a fee for the camper getting repossessed than never happen but I got no money back I sent them extra money on the loan of 84, dollars they don't know were that money is I have 11 months on the loan it is payed in full now they tell me I owe them 12-13 payments I should of got a discount on the interest but that didn't happen the check was in the computer as received XX/XX/XXXX I should of gotten a check for over XXXX dollars back the check was made out to XXXX XXXX and bank of the west I have not got nothing back plus my payments are due on the XXXX of every month will a 6 day window they said I was last 29-35 times which is incorrect and they charged me late fee
|
| 05/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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I signed up for an checking account with Bank of the West XXXX XXXX due to a promotional offer of {$250.00} if I performed DD for three months totalling at least {$1000.00} per month. I opened the account on XX/XX/XXXX.
After the three months had passed ( end of XX/XX/XXXX ) I received no bonus. On XX/XX/XXXX I contacted the bank and asked them when they would pay out. They said to wait till end of XXXX. End of XXXX came and went and still no bonus. Again I asked them when I would get the offer. This time they said I did not meet the requirements since my account balance was {$0.00} on a specific day XX/XX/XXXX. Note this isn't in the promotional three month period and when I asked if I had met all qualifications no indications were given by any customer service rep that I had to have a nonzero balance on a specific day after the promotional period ended.
The bank has acted in bad faith and has unfairly taking advantage.
|
| 06/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
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I made a mobile deposit on XX/XX/2021 for {$620.00} and was able to see on XX/XX/2021 that it had been credited. But over the weekend when I tried to access my account online, found out that it had been locked and could not be reset. I have been trying to reach the customer service at XXXX and have spent hours. On XX/XX/2021, I received a letter saying my funds are on hold till XX/XX/2021 from the bank. The reason given was that " We have confidential information that indicates that the check may not be paid ''. This a real check issued by XXXX XXXX XXXX after closing the account there, and don't see any reason why it had to be held for this long.
I had also contacted the bank about the change in banking hours, and also why the drive thru ATM was moved inside the building. I believe someone at the bank is not happy that I raised these questions and everything that happened in the last few days is some form of retribution.
|
| 03/01/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I previously submitted a complaint on the Bank Of The West for not sending me information on my account including acknowledgement of my loan being paid off on XX/XX/XXXX and my not receiving the title to my vehicle which was Case # XXXX. The bank did reply after you contacted them however they have n't given me everything yet.
After their original response I received another letter from them dated XX/XX/XXXX in which they stated that I will receive my Certificate of Title or Lien Satisfaction documentation in approximately 10 working days. Well it is XX/XX/XXXX and the 10 days have passed and to date I have not received the title to my automobile. I personally feel that they are purposely holding onto my title and I feel that they need to be taken to task over this and fined heavily for their total lack of competency.
Their contact information is Bank of The West, XXXX., XXXX, CA XXXX and my paid up auto loan was XXXX
|
| 11/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
Between XX/XX/XXXX and XX/XX/XXXX 2 charges was posted on the account for which 3 fees of {$35.00} a piece was charged for a total of {$100.00}. One of the charges was for a {$25.00} transferee to savings! The other was to XXXX. Don't know why there was a third {$35.00} charge. I have been here before. Complaint # XXXX was filed on XX/XX/XXXX and in it I strongly objected to these overdraft charges and asked that they not be charged again. That was after a trip to the bank and having a discussion with the branch manager. But here we are again. DO NOT PAY ANY CHARTGES IF THERE IS NOT ENOUGH MONEY IN THE ACCOUNT! I was told that the bank does this as a benefit to me but the only one benefiting is the bank with these $ XXXX charges. STOP IT!!!! I even received a letter from the bank dated XX/XX/XXXX saying that if you do not want the overdraft service please let the bank know. Really? How many times do I have to tell you?
|
| 01/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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At the end of XXXX, I was charged multiple overdraft fees on an account that I was trying to close with Bank of the West. The fees all piled up because of the very first fee, which after speaking to the branch, would be reversed, resulting in the reversal of all other charges. The total amount of overdraft fees was {$920.00}. I was under the impression that it would be taken care of, only to find out recently ( XXXX ), that I am in collections for the {$920.00} + {$550.00} in interest. I disputed the debt with the collection company, and after speaking to the bank on XX/XX/XXXX, they could only tell me that the debt has been sold to a collection agency and it was too old for them to help me. It is my understanding that there was a class action lawsuit against Bank of the West that dealt with the same issue around the same time. I am trying to clear this from my credit, and any help you can give is greatly appreciated.
|
| 10/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
Hello, I have a Bank of The West XXXX account. Started out as a combo saving and checking account and now they have done away with the saving acc. My checking account was {$16.00} short. I was charged on XX/XX/20 a {$35.00} fee, on XX/XX/20 a {$30.00} dollar overdraft fee, on XX/XX/20 a {$35.00} fee, on XX/XX/20 a {$35.00}? All for the same overdraft? Apparently every time XXXX makes a request for funds I have to pay another {$35.00}.? This is FRAUD. I have repeatedly requested that the bank not process any inquiry when the balance is XXXX or below. They refuse. When I try to get cash from the machine and the account is low, The machine says your request can not be processed at this time?. Why can't they do the same for XXXX instead of robbing me.
If this is the built in way banks are allowed to rob old people I will be forced to withdraw from this FRAUDULENT SYSTEM. P.s. Thanks for bailing out these Criminals!
|
| 04/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have received the pre-approved credit card offer from Bank of the West XXXX XXXX. The offer was 0 % Intro APR for 12 months on Balance Transfers and Purchases. However, the bank charged the interest rate on my XXXX credit card statement and telling me that the account has no such offering. Instead, the card is offering 15 months balance transfer only. Looking at the offering at here https : //www.bankofthewest.com/personal-banking/credit-cards/cash-back-credit-card.html, it is clearly saying it offers 0 % Intro APR for 12 months on Balance Transfers and Purchases. I've talked to the customer service and supervisor, and they kept asking my pre-approved with the code, which I do not have. I do not think anyone keeps the offer letter like that. Anyway, the act of this bank is deceiving the customer and charge the fee to the clients. Please audit this bank, and I do believe that this is definitely violating the law.
|
| 02/21/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Older American |
|
Bank of the West states they will make over draft payments at their discretion.
I am not signed up for overdraft because Bank of the West has charged XXXX a day and at their discretion will charge {$70.00} a day.
I had an issue last year with a total of {$270.00} in fees. They refused to listen to my calls. I went into the branch and the manager refused to reverse charges.
I was told that they can list deposits and debit in the order they wanted on your account.
I now have a XXXX charge for XX/XX/XXXX and the XXXX charge for the XXXX. In their writings they say that they wont charge XXXX for five days yet now I have a charge for XXXX on two consecutive days.
I have written to the bank and ask them to remove one of the charges and Im hoping theyre not going to add another charge today. I will not get any money into my account until the XXXX of the month.
Bank Of The West abuses their overdraft charges.
|
| 04/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Back in late XXXX , early XXXX i spoke to the manager at the bank that financed my car and explained my situation. At that time i was in the process of starting a new job and made payment arrangements with the same manager. The payment arrangements were that i pay XXXX XXXX , XXXX XXXX , and XXXX XXXX . I had informed her that when i first get paid at my new job that i would not have a full paycheck to make the payments for XXXX . Towards the end of XXXX , i had a family emergency and that i could work, due to my family bereavement and emergency. And now they do not want to work out anything with as of now because the vehicle is in the process in being set up for repossession. Since I left my previous job in late XXXX of this year, i have obtain new employment with a different agency and obviously i can not afford to pay what i owe right now because i have not got paid yet with my new employer.
|
| 01/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I didnt have access to my government child tax stimulus for two months. The bank has a used there policies on overdrafts in a excessive way to such a extreme they even used my stimimulus payments to pay themselves for the fees. i cant just let them get away with this. Its not just one two three four or five overdrafts NOPE bank of the west has given me 32 over drafts charges in the last year and most of them were within the last 6 months. They have charged me over {$1200.00} in bank fees. Iam a single mom of a XXXX child with no income i cant afford this type of abuse of power in my financial accounts. Then they took my stimulus payments 2 months in a row to pay their overdrafts 2 months after the first stimulus was taken for overdrafts they refunded me the XXXX through a check but this last XXXX from the government they kept a big chunk of it i only saw about XXXX bucks of it the rest went to their stimulus.
|
| 02/17/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
An Bank of the West account was made by my wife. She closed the account almost immediately after creating it due to a name mismatch Bank of the West could n't correct ( she subsequently open another correctly the same day ). She funded with our XXXX credit card in the amount of {$500.00}. Since the closing, I 've been informed the money would be returned to XXXX. It has n't arrived as of today ( XX/XX/2017 ). The account was closed XX/XX/2017. The money was supposed to be credited back 7-10 business days later. Bank of the West is advising me to Dispute the charge through XXXX for Bank of the West. I 've asked them multiple times to check their back office to make sure it was sent and provide some documentation to that effect ( transaction id or letter stating they returned the {$500.00} ). They have so far refused to provide evidence they returned the money. I need evidence to file a dispute with XXXX.
|
| 03/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I received an RV loan in XX/XX/2020 from Bank of the West through the RV dealership.
They included extended warranty coverages that were not explained to me and I never received documentation for the details until I had to contact the warranty companies and cancel. They applied credits to my RV loan, and the bank processed in such a way that I had " no payment due ''.
However, I continued to make monthly payments. I do not receive any statements so when I log on, they provide a transaction history showing almost ALL payments have been applied to INTEREST and nothing going toward principal. And NOW they tell me the loan is past due ( after no-payment-due ) which is double the monthly payment!
Is this bank a legitimate banking operation in the United States? Is it FDIC insured and allowed to make loans? From online review resources, they are ruining people 's credit with their nefarious practices.
|
| 08/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I had declined all overdraft protection on my account per debit card and other transactions. I was told that I could not do that on recurring transactions though but they did credit those fees and told me it would no longer go through if there was no money in my account. Month later I get back from out of town to find multiple overdraft fee notices in my mail. So I finally check into my acct which I was unaware had a problem to find that I had a balance of $ -XXXX and that over {$1700.00} of that negative balance was just in fees alone. I spent multiple hours on phone trying to resolve the issue about charges that were n't to go through and asked them to credit their ridiculous fees and if so my acct would be in good standing as it should be to which they refused. Since then I stopped using that account and quit direct deposit cause it was never ending cycle of fees they are still s being to this day.
|
| 05/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I had a checking account through Bank of the West. I had several fraudulent charges for several months coming out of my account and some several times in a day. They wouldn't refund my account of the fraudulent charges and basically told me there was nothing else they would do. I have never had a bank do such a thing. It totals well above {$5000.00}. I don't know what else to do. I also have never experienced a bank being so negligent as to not have caught this suspicious activity and contact the member to ask if it WAS me. I tried several attempts to speak with someone that would help me it is very apparent someone was almost daily checking my account and then making several purchases of the same amount one after another. I would sometimes sit waiting to speak with someone for 2 hours and then I was told that was the final decision on my account not to refund me. Unacceptable and truly unbelievable.
|
| 04/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
|
|
I, XXXX XXXX, have recently sent a cashier 's check from my bank XXXX to a contractor XXXX XXXX XXXX, for construction work. My check of {$6000.00} was deposited into his account on the XXXX of XXXX. My bank, XXXX will verified the check has been cleared only if Bank of the West calls, - ( XXXX ) XXXX extension XXXX - which they are not willing to do. Bank of the West refuses to pay out the funds to XXXX XXXX XXXX XXXX XXXX me. My construction project has come to a halt and I am getting calls, texts, and emails about the situation over the last several days, including the workers threatening to sue me for not getting paid. Kindly please see to this. I was told only Bank of the West will be able to fix and that XXXX can't do anything. I spoke with the branch manager, she said that she can't do anything due to not being on XXXX XXXX 's account. This includes refusing to refund me or payout the funds.
|
| 05/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I applied for an " Any Deposit Checking '' account from Bank of the West via an internet online application on XXXX.
Upon completing the application online, I got an online message saying they are verifying all of my information.
I received an email telling me that I am " customer_XXXX ''.
On XXXX I received an email telling me I was declined, but not given the name of the Credit/Information/Verification agency consulted for my application denial.
I called and emailed many times trying to get this information but they have not been forthcoming, despite the CFPB regulations demanding this.
The CFPB requires that when one is declined for an account one receives the names of the Credit/Verification agencies consulted.
This is clearly a breach of the CFPB rules. I demand that Bank of the West provide me with the information as required by CFPB regulations.
Thank you, XXXX XXXX
|
| 04/07/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
XXXX XXXX On Sunday, XX/XX/XXXX, we purchased XXXX kittens on this website ( XXXX XXXX XXXX ) for a total of {$1000.00}. XXXX XXXX XXXX We paid, using Bank of the West , online banking with a XXXX wire.
Name of the seller : XXXX XXXX email address of the seller : XXXX Phone number that they used : XXXX XXXX XXXX XXXX email address : XXXX ( and also they proposed to pay with XXXX for the additional fees ) : XXXX This morning they sent us an email from XXXX, with this phone number ( XXXX ) XXXX asking us to pay {$2600.00} for XXXX crates.
Of course, we didn't paid for the crates and we never received the kittens.
Then we reached Bank of the west, who told us they have to block our accounts and create new ones and that they can not refund us, but we have to contact XXXX.
Of course, XXXX is asking people to reach the bank ... the ping pong play can begin!
XXXX XXXX XXXX XXXX & XXXX
|
| 02/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our primary residence is mortgaged with Bank of the West since XX/XX/XXXX. The bank established an escrow account to pay for the taxes and insurance.
In XX/XX/XXXX, we installed solar panels using a HERO program loan. We requested the bank to include the HERO program payment in the escrow account as the HERO loan is paid with the property tax.
In XX/XX/XXXX, we acquired a HELOC with Bank of the West and paid off the HERO program loan. I notified Bank of the West and requested that they stop collecting payments for the HERO program loan. Notification was done via email, letter and by phone to customer service. Receipt as proof that the HERO program loan is paid was provided to Bank of the West.
I was told by the manager that they will NOT comply with my request and that they will continue to collect the same amount for my escrow account including the payment of the HERO program.
|
| 12/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I was called by a lady at the XXXX Idaho branch. She stated that they were closing my account and could no longer do business with me. She stated that I was on XXXX. I told her that my account had been opened for a.couple months and that the branch manager was aware of my situation. This is why I got a fresh start checking account. The lady was extremely rude and informed me that my debit card was shut off over a week ago. I asked why I was n't notified BEFORE it was turned off and why I am just now being aware of these problems now ... after the account has been open for a couple months. The branch manager had okay 'd that I proceeded. This is probably the worst bank ever. Now I am having to find a new bank ... and my rent will be late and I will be charged extra fees. I went with this bank due to the local branch having great customer service. This lady works at the same branch.
|
| 01/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
during the summer of 2017 my home was damaged by hail. I turned a claim in and the insurance company sent an adjuster out. the insurance company issued a check which was made out to myself and Bank Of the West. I signed the check and asked BOW to deposit it in my acct. Bank Of the West never put the money in my account, but rather held it till the repairs were completed. well the repairs were completed a month ago, and the cost was much higher than the insurance believed it would be. I paid the last {$2000.00} out of my pocket, but yet Bow wont release the remaining {$890.00} from the insurance settlement. I own the home, I own the policy, and I paid for the repairs. My mortgage is current, it has never been slow, short, or not paid. I believe the Bank of The West is guilty of insurance fraud since they are withholding funds that were destined to be used on the repair of my home.
|
| 02/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I haven't used Bank of the West in months and they've slowed drained my entire account. They've assessed {$100.00} in fees. {$70.00} in " service '' fees and {$30.00} in anonymous fees. When I contacted them to reverse the charge and close the account they said they can't close the account with a negative balance but offered to give {$30.00} back, however that very day they applied the {$30.00} credit, they added a {$30.00} uncategorized fee to my account to net out to zero assistance and zero ability to close the account. I do not intend to pay the negative balance as I am contesting the fees yet as I do so they continue to assess fees to the account. I just want them to close the XXXX account and give me back the original {$50.00} they had in there when they started preying upon dormant accounts without notice. This is a ridiculous time for a bank to be preying upon customers.
|
| 07/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/XXXX, I was assessed an overdraft fee after transferring from one account to the other, to avoid the fee. After completing the transfer in line with the banks funds availability policy they have continued to assess a fee, even though the negative balance was below the threshold described within their policies. I tried talking to both the assistant branch manager at the XXXX XXXX branch in XXXX, who assured me that he would email me, yet I have heard no response. When reaching out to another branch, the manager simply stated he would look into it. After that I proceeded to call into the customer service line, I proceeded to get hung up on four times. After finally getting through I got an incredibly dismissive tier two rep who proceeded to incorrectly stated that another fee was due to merchant error when it was in fact an error with their transaction processing system.
|
| 07/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
On XX/XX/2022, I went to deposit a state rebate check issued to me. As I utilized the drive through to make the deposit, the manager from that branch was handling my deposit. He refused to cash my check because the check was under my married name. When I let him know that my valid ID has my married name, he refused and stated that its not valid. He would only cash it if I gave him my marriage certificate. He refused to let me show him my military ID with my maiden name on it. And he was being very rude to me from the start. So that same day I called the bank and filed a complaint. And today, XX/XX/2022, I received a letter in the mail from him saying that hes closing my account at that bank. I feel like he is retaliating against me and from the start on XX/XX/2022, I was being discriminated against by him. I had to deposit my check via the app and it went through no problems.
|
| 06/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
I became aware of unusual withdrawals on my checking account that I have with Bank of the West located in XXXX, Ca. I have been a customer of Bank of the West for about 15 years with no complaints. Recently, I have had issues with purchases or withdrawals made online that were not authorized or made by me. The amount of disputed charges ( starting on XX/XX/2022 ) totals {$910.00}. My bank investigated only {$320.00} of these charges and completed their investigation. However, there is still more than {$600.00} missing. I am providing my bank statement with questionable charges highlighted in green. I am also submitting the correspondence from Bank of the West regarding the investigation of only {$320.00}. I have still not received my new debit card nor any more correspondence from my bank regarding the investigation findings or if the funds have been reimbursed to my account.
|
| 10/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I had to close my fresh start checking that had no overdraft privilege 's due to the fact of COVID and fraud. Someone filed a fake claim for unemployment in my husbands name, our emails, XXXX, dark web and passwords were all exposed. I notified Bank of the West of this problem. My Husband and I opened a regular account this time, last time I was not approved. Literally after opening I have had problems with them holding deposits, charging me overdraft fees when the item that cleared and I was clearly not negative at the time of it clearing.
This all started on XXXX the XXXX, which I called in and they refunded two overdraft fees. Since then I have been charged numerous times, because they held an automatic deposit FROM XXXX ON THE XXXX and charged overdraft when I had the money present in my account I have called my branch, the call center, and have even been hung up on.
|
| 07/11/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have three late payments on my auto loan that have been taken to collections. I moved during this time and never received my bill for all 3 months. My mailing address was changed with USPS but Bank of the West refused to deliver the mail. All three bills were sent to USPS and I never received notification that they were at the post office. I tried calling Bank of the West during this time to pay my bill but was put on hold for an hour each time and disconnected. I now have 3 late payments in collections. Bank of the West apologized for the inconvenience and said that if I called the credit agency they could remove them from my report. I called the credit agency and opened a dispute but have received no further follow up. I need to have all three late payments removed from my credit report please. The payments for all 3 months have all been made at this point. Thank you.
|
| 12/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
This is a follow up complaibt. If ypu log me out again you eill have to deal with ic3.gov I just spent XXXX 20 minutes typing it. Short version Bank of the West 2nd company XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX in all XXXX branches XXXX XXXX and XXXX. XXXX XXXX at XXXX or email XXXX all the texts emails I have. This is all connected per your inadequate response for more info it 's all XXXX connected. The loan to loan to company to bank to XXXX XXXX XXXX XXXX XXXX to my account rllihitimizing my XXXX XXXX loan do your homework or i will report you to FIX you have all the names previous complai t number XXXX now its for Bank of the West and XXXX XXXX XXXX XXXX and Florida law enforcement and XXXX and XXXX XXXX people trust accounts that were used to burry off of stolen money. If my loan is no good per XXXX XXXX XXXX then all of those bodies will have to be exumed
|
| 06/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
My bank issued an overdraft statement from my checking account at Bank of the West in 2011. I called the Bank of the West and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the XXXX and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the XXXX XXXX XXXX under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.
|
| 11/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Bank of the West is reporting a 30-day late for XX/XX/2018 on my RV loan which is incorrect ( to all 3 credit agencies ). I my payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number.
Bank of the West reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and Bank of the West just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.
|
| 07/05/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Servicemember |
|
I have a boat loan with Bank of the West. I sold the boat, I verified with Bank of the West the wire transfer process on XX/XX/22. The buyer wired money on XX/XX/22 from XXXXXXXX XXXX in Tennessee, I have the wire transfer receipt from that. On XX/XX/22 I called Bank of the West to verify why the money had not shown up, I was told it could take a couple days. On XX/XX/22, the money has still not shown up, I called and was told it would be processed by XX/XX/22. As of today, the money is still " missing '' and I can not get anyone at Bank of the West to help. I have spend over an hour on the phone, Ive provided the required information on several occasions and can not make progress. The interest on the loan amounts to about $ XXXX so they are also slowly charging me more and more money due to them not paying off my loan AND sending me the money above what I owe.
|
| 05/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XXXX and XX/XX/XXXX I had received a call from XXXX stating he was from XXXX XXXX XXXX stating that I issued an online check to their client that bounced. They stated the date of the transaction happened on XX/XX/XXXX. I called the bank to check on this claim due to having closed this account years before said date and they could not locate my information or any claims. I asked the guy working with XXXX XXXX XXXX to send me a letter explaining the claim and info on the collections so I can look it over and He said they would not be sending me a letter. Would not let me talk, kept cutting me off saying that they were going to file this and see me in court next week. I tried to explain that I called the bank on XX/XX/XXXX and he got loud with me saying I did not call them because he just got off the phone with them this morning on XX/XX/XXXX and hung up on me.
|
| 08/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
I am not sure this is fraud or a systems glitch but it is unsettling. I have opened two accounts at two separate locations in different states with the Bank of the West. Each time the bank has opened the accounts and then a second account unknown to me. Once in XXXX for checking and now recently in XXXX, Ca. I opened a money market account with my wife. Next thing we know there are two accounts, and the bank can not explain it. Then this time they close the original account in which we put the money and for which we have all the documentation and then they inexplicably move my money to this second shadow account. Why? No one at bank can explain. Going into branch today to discuss. Is it a systems glitch? Is it institutionally intentional? Is it intentional by someone in the organization but unknown to the official powers and systems? This is very disconcerting.
|
| 07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
The XXXX XXXX XXXX is reporting Negative Account - Collections on behalf of original creditor Bank of The West. Balance of {$460.00} is being reported as below : Individual ; Open ; Unpaid ; Collections- {$460.00} In fact this was a Joint account ( checking ) not an Individual account. On XX/XX/2018 Joint account ( checking ) was Closed per Bank of The West. Financial institution Bank of The West is also reported Joint account ( checking ) within other financial institutions as Account Abuse. There was discrepancies with the Routing and Account numbers being incorrect and different than what was printed on the ( 4 ) books of checks issued by the financial institution Bank of The West. I was only able to use my Joint account ( checking ) on 2 occasions as neither account holders were able to pay for goods using the above mentioned bank issued checks anywhere.
|
| 04/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Due to an auto accident in XX/XX/2017, and not reaching a settlement with the insurance company over medical bills, we were forced to seek relief through bankruptcy. We have 2 accounts that show as included in the bankruptcy proceedings, that had no balance, and were paid off well before the bankruptcy was started. All other open accounts that were required to be listed in the proceeding that had no balances show a satisfactory rating, except these 2 accounts, and they refused to change that status, that shows on our credit report as adverse accounts. We disputed the accounts through the dispute process with the credit bureaus, and have contacted the companies directly, to no avail.
All we are asking is that the status be changed, due to them not being included in the bankruptcy filings, only listed by law, which will change the status to satisfactory.
|
| 03/20/2017 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
Older American |
|
I received the attached Addendum to the Deposit Account Disclosure in my most recent checking account statement from Bank of the West ( BoW ). In the attachment I have highlighted the section that I find most troubling. In my own words, BoW is unilaterally declaring that even if a funds transfer is approved, they can for no reason at all choose to ignore it and not process it. Further they make the claim that they will attempt to contact me but will not make any guarantee of doing so. Finally, when they choose to ignore or not process a transfer, they are in no way liable to myself or any third party. Assuming I maintain my account, this unilateral position goes into effect on XX/XX/2017, by default. In my estimation this is totally one-sided and contradicts any understanding of the bank performing its understood contractual duties and responsibilities.
|
| 03/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was behind in our property taxes because of personal/medical issues ; as a consequence we put our house on the market to be sold. In the mean time my mortgage company ( Bank of the West ) paid off the property taxes due and sent me notice that my mortgage payment was going to be more than twice the current amount, this is more than my monthly take home pay. I have reached out to Bank of the West numerous time to try and modify the amount due to avoid potential foreclosure, while trying to sell the house. The representatives I spoke with have not provided any help, including any kind of forbearance or temporary loan modification, in fact they told me if I do not pay what I owe immediately, foreclosure would commence. I would appreciate assistance in helping resolve this issue, as Bank of the West seems intent to force me into a foreclosure situation.
|
| 10/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
This complaint relates to my complaint # XXXX.
As of today, XX/XX/2018, Bank of the West still has not returned my personal check to me. To recap, Bank of the West refused to cash a check I deposited in the ATM that was made out to my minor child and properly endorsed by me her parent. Then, Bank of the West lost the check.
They claimed to have mailed a " legal tender '' check to me - whatever that means. Allegedly, a copy of my check. But I have not received it. They claim to have sent this " legal tender '' check to me on XX/XX/2018, but here it is XX/XX/2018 and I still have not received it.
I don't believe they have mailed the check. I think they are so incompetent that they don't know where my check is.
This is a check drawn on XXXX XXXX XXXX XXXX and made out to my minor child.
They are hands down the worst bank I've ever dealt with.
|
| 07/08/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I had charges from XXXX in my bank statement from XXXX/XXXX/XXXX monthly thru XXXX/XXXX/XXXX the amount initially was {$12000.00} and the highest charge is {$150.00}. The total charges were {$1300.00}. I contacted the Bank and they contested the charges. The Bank representative indicated XXXX did not dispute the charges and credited back {$410.00} based on the 60 day liability but they recovered a bit more. The debit card in question had the XXXX charges and XXXX other charge for it 's life. I have never had insurance with XXXX. XXXX identified the account in question with the bank card number. XXXX would not assist me for confidentiality reasons even though the representative could see that the account was issued to another person.
What are my options to have address fraudulent activity when the Bank and XXXX say have done all that they can do?
|
| 02/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I had a standing order that if funds in my bank account were low, that regular payments such as XXXX XXXX and XXXX not be withdrawn. I did not give my consent to have these deducted from my account and than to be charged {$35.00} service fee on each item.
XX/XX/XXXX XXXX XXXX was withdrawn of {$10.00} XX/XX/XXXX Overdraft fee charged of {$35.00}.
XX/XX/XXXX Overdraft fee charged of {$30.00} XX/XX/XXXX XXXX XXXX for {$31.00} XX/XX/XXXX Overdraft fee {$35.00} XX/XX/XXXX Overdraft fee {$35.00} XX/XX/XXXX Per mobile phone deposit, {$680.00} ( which as of XX/XX/XXXX still pending ) XX/XX/XXXX Debit converted check of {$10.00} XX/XX/XXXX Overdraft fee of {$35.00}.
I called call center for Bank of the West XXXX to explain that per my order I did not consent to these being withdrawn. The supervisor stated on automatic payments that they were withheld.
|
| 06/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I made a check for {$70.00} to pay XXXX on XXXX XXXX , XXXX . I noticed on XXXX XXXX , XXXX the check for {$5700.00} being paid from my account. The check was altered and made Payable to XXXX XXXX along with amount of {$5700.00} and not the {$70.00}. I contacted the Bank of the West branch manager XXXX XXXX about the problem. He said he would handle it. I was also the victim of another altered check at the same time period from another bank and I was credited for that amount in a couple of weeks. That other check was also altered and Made payable to XXXX XXXX for {$5800.00} and I had made it to the city of long beach for {$500.00}. I insisted with XXXX XXXX my branch manager for months after and said he was checking on it ... XXXX of XXXX came and he informed me that the bank was not going to credit me
|
| 01/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I am frustrated with the customer service on the phone call with XXXX and XXXX who were rude and unprofessional making demands instead of requests on XX/XX/2023. I am still waiting for a supervisor to file a complaint against both XXXX and XXXX.
Since there are 4 {$10.00} service charges assessed to my account, I am requesting a one time courtesy to waive the service charges as a good will courtesy. I am highly dissatisfied since I no longer have access to the phone number associated with the account and the only way to resolve the issue is to go inside the branch which is unreasonable.
There must be another way to authenticate the account for convenience purposes. I also did not receive the {$250.00} bonus for the promotion. I am disappointed at the wasted time and I will be telling others not to bank with Bank of the West in the future.
|
| 03/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I had opened a PREMIER CHECKING account with Bank of the West under the " 2017 Summer Digital Checking Offer II '' promotion. The promotion entailed a {$300.00} bonus credit upon keeping an average {$25000.00} balance in the account for 2 months. I had called the customer service line a couple times throughout the months to make sure I am still on track for receiving the bonus, and was assured that I am still on track. However, after 3 months of keeping the {$25000.00} balance, I still didn't receive anything, and was told that I somehow did not qualify for the bonus despite having kept the balance. Now, I have been hit with {$80.00} in fees as well, and the Sr. Relationship Banker at my local branch is refusing to refund the fees or look further into the issue, stating that the account was opened online so there is nothing he can do.
|
| 03/29/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2017, I discovered a {$160.00} fraudulent charge on my Bank of the West checking account. I had authorized a {$20.00} copay charge and the doctor 's office instead charged {$160.00}. I called Bank of the West that same afternoon and told them I wanted to report the fraud. The csr said she would mail and email the dispute form. After waiting 4 days with no response, I sent an email to their customer service dept. The response said I should just type out my complaint with all of the pertinant information and my signature. I faxed it to the number listed. Today is the XX/XX/XXXX and I still have not been contacted by the bank, nor has the money been credited back to my account. I have done this same procedure with another bank when my card was stolen and I was credited immediately and the issue was resolved with one phone call.
|
| 12/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I have been trying to pay off my Bank of the West loan. I have tried calling them and wait times are over 60 minutes long and I keep getting disconnected. I have sent a bill pay from my checking account at another institution. It has been 10 days and the pay off has still not posted. I have been leaving secured messages to XXXX XXXXia online banking. Today when I went to log on to see if I got a reply, I got the following message.
" Our records indicate that you dont currently have any accounts eligible for Online Banking. If you believe this is an error, please call us at XXXX ( XXXX ), option XXXX ( XXXX XXXX ). '' How can that be? I have been logging in every day for the last 10 days. I want to sell the loan collateral but I can't until this is paid off and there is a lien release.
This issue is causing my consumer harm.
|
| 03/25/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Bank of the West has advertised a promotion that if you open a new checking acct. and have a qualifying direct deposit and also monthly transfer to savings acct., you will get a bonus of {$100.00} and if you make 10 additional transactions within the next 2 months, you will get additional {$50.00}. I hurriedly open the acct.on XX/XX/XXXX before the XX/XX/XXXX deadline made {$250.00} direct deposits to my acct.by XX/XX/XXXX however after 1 week of acct. opening. They issued another promo stating that if you make {$250.00} deposits for 4 rolling months you will get additional {$250.00} I called up branch and they said I am no longer qualified as I am now an existing customer.
Isn't this deceiving? Shall I close my new acct. and re-open again.
I would like to take the {$250.00} promo instead of the {$100.00} promo as advertised.
|
| 01/03/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I have a bank of the west checking account. Under this account I have other linked accounts. one of those accounts was closed without my knowledge or consent. Now I would like to use that account and have come to find out it is closed. I was given no warning of this activity, and now upon trying to another account I am told through many prompts that the addition of this account is disabled. I have wasted over an hour inputting my information and clarifying the accuracy of my personal data for this application. In the future I would like to be notified of account activity PRIOR to actions being taken. It is an absolute waste of time and extremely frustrating to fill out an application for 30 mins, then be blocked, then wait on hold for 20 mins for a representative to tell me that I need to wait until XXXX XXXX and start over!
|
| 09/22/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX wired {$250000.00} on XXXX through our bank : Bank of the West to XXXX XXXX Bank in XXXX XXXX XXXX, Ut through their bank : XXXX XXXX Bank, XXXX XXXX XXXX, CA.
XXXX XXXX Bank did not receive the funds. Our Bank : Bank of the West put a tracer on the wire twice - No response XXXX.
On XXXX XXXX finally admitted that they deposited the funds into someone else 's account XXXX their account number matched our tax id # XXXX XXXX 's account number was clearly identified on the wire.
On XXXX XXXX told XXXX Bank that they had to contact the branch that had the wrong account and for them to contact the customer and ASK FOR THE MONEY BACK!!!!
On XXXX XXXX told Bank of the West to recall the wire, which they did.
Today - WE STILL DO NOT HAVE OUR {$250000.00}!!!!!!!!!
Please help. I can be contacted at XXXX.
|
| 12/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
We have a motorhome loan with bank of the west. We have been trying for months to set up online banking. Because I work during the day I cant always call and work with them. Today I had the day off so I was able to call. I called and have been hung up on three times by their online support telephone number. So I called the executive relations number and was hung up on when they transferred me. I called executive relations back and left a voicemail. They keep telling us they can not find our account number and it is the account number that is on our statement. This is horrible service and hanging up on me because I can not find my account number is uncalled for. I am beginning to think I do not owe them this {$82000.00} if they can not locate my account number and get me set up an online patient so I can pay my bills easier.
|
| 12/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Violation of personal financial privacy.
I have been banking with Bank of the West for several years. I used an ATM card to view my account, pay my mortgage and transfer money from one account to another. Recently, Bank of the West replaced all the ATM cards of their customers with debit cards affiliated with Mastercard. I verbally complained to the XXXX Branch that I do not want that service as it made my checking and savings account vulnerable to fraud. I was told that it is now company policy to issue only debit cards as Bank of the West signed an agreement with Mastercard.
Bank of the West has provided my personal financial information to an outside company. Bank of the West did not provide an opt out of replacing my ATM card with a debit card.
I filed a complaint the the California Office of the Attorney General
|
| 01/15/2016 |
Yes |
|
|
|
Web |
|
|
I had a credit balance of {$.00} on my Bank of the West credit card. I knew it was there but elected to leave it alone. This is still an active credit card that I use occasionally. On XXXX XXXX, 2016 Bank of the West arbitrarily decided to debt my credit card as an " account adjustment '' and take the credit balance. While this is not a large amount of money the point is that neither Bank of the West or any other financial institution has the right to steal money from their customers the way this bank did. I suspect this is not an isolated case and am quite sure that this institution believes that since it 's such a paltry amount why not just take it. If they do that with enough customers they can easily pad their profits. This kind of practice needs to be stopped and the institutin fined for essentially stealing money.
|
| 06/07/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
On XXXX XX/XX/2021, I attempted to close my account with Bank of the West. I had a checking and savings account. I physically went into a branch ( located at XXXX XXXX XXXX, XXXX, CO XXXX ) and asked the bank teller to take out all of the money of my checking and savings account. I received cash in the total of the two accounts. I asked for my accounts to be closed again. I received confirmation that this would occur. On XXXX XX/XX/2021, I received a statement and logged in to my online account. There, I received a fee of {$15.00}. I called Bank of the West to resolve this issue, but they were unable to do so, insisting that I overdrew my account ( because of the fee for not having sufficient funds, when I should not have had an account open with them ) and refusing to close my account until I paid the balance in full.
|
| 04/06/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
I have been trying to receive a payoff on my HELOC with Bank of The West for 3 weeks. The first request was sent/faxed on XX/XX/21 and then again on XX/XX/21 from XXXX XXXX XXXX. I have held for customer service and told on two occasions XX/XX/21 I was told escrow would receive within 24 hours and then again on XX/XX/21 again I was told escrow would receive by the end of the business day. Both times customer service confirmed they received the request for payoff.
This is extremely unusual and appears to be an attempt to not allow us to pay this loan off. Almost impossible to get someone on the phone. There is no branch local to me that is open and I can walk in and find out what the problem is. The Corporate phone number goes directly to an automated customer service line.
I don't know how to resolve this issue!
|
| 04/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2020 I lost my wallet which resulted in debit and credit card fraud for all my accounts. I promptly reported to each bank and each bank provided provisional credit except for bank of the west.
I was advised that I would receive a affidavit that I would need to sign. I received this affidavit which I immediately completed and signed. This was received on XX/XX/2020. This was confirmed by a telephone banking rep on XX/XX/2020.
I was told on XXXX that the fraud department was closed and I would need to call Back. This is unacceptable that I need to chase my own money back as I have followed Bank of the wests requests.
I am requesting immediate and permanent credit for the transactions. Its under {$100.00}, but its the principle and the frustration of having to keep following up with Bank of The West.
|
| 02/22/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
XX/XX/2021, I've contacted Bank of West at XXXX regarding " Lien Release '' charge SB2 for {$75.00}, they gave me order number " XXXX '', then XX/XX/2021, I've contacted them again, talked to their supervisor Mr. XXXX XXXX, and he asked me to send the documents with fax to XXXX, I did that on XX/XX/2021 and follow up with them onXX/XX/2021, but unable to talked to Mr. XXXX XXXX, then I called again onXX/XX/2021, this time I've talked to XXXX, she said their company has denied my request since I have to deal with the XXXX County and ask them to get the refund. As I have explained to them several times : The Bank of West has failed to mention to XXXX County that this is an " Owner Occupied Property '' and should be exempted from SB2 charge. But they just refused to admitted their mistake and refund the {$75.00}.
|
| 02/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
In XX/XX/XXXX I signed up for a Bank of the West checking account with a XXXX dollar bonus if I made more than 1500 dollars of payroll deposits into the account in a 4 month period in a row. According to my statements I satisfied this requirement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and even XX/XX/XXXX. However they never paid out. I talked to a rep on the phone in XX/XX/XXXX and they told me Id see the bonus in my account on XX/XX/XXXX. This didnt happe so I called again the first week of XX/XX/XXXX and asked what happened. The rep told me the XXXX dollar bonus would be in my bank account the last day of XX/XX/XXXX. This never happened. Finally I emailed on XX/XX/XXXX and got a respond on XX/XX/XXXX that they did some research and they dont know what happened. I just want that XXXX dollar bonus
|
| 11/19/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
With great frustration, this is the third time I am writingregarding " the same issue. '' As of this writing, it has neverbeen corrected.
The bank ( Bank of the West ) has always responded, butnever addressing the issue seeking resolution. Thus giving '' the appearance '' of complying, but never doing so. Never.
The issue - the banks reporting of Late Payments to thecredit bureaus on the months of - XXXX 2015 & XX/XX/2015 ( attached ) As you can see, per the banks own payment ledger ( attached ), there was never a missed payment as they have reported to thecredit bureaus. Never. Yet for those two months, they havereported lates.
Their errors have caused me great harm.
Please do whatever is needed to hold the Bank of the Westaccountable. Their one sided, cavalier approach is un-acceptable.
Thank you.
|
| 10/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have an automatic bill-pay set up with a merchant to sent out twice a month ; on the XXXX and the last day of every month to correspond with my pay-days. For some reason even the bank admits they have no explanation or backup for, they sent this month on the XXXX instead of the XXXX, causing my account to go into a negative balance. I had called my bank to find out why and to make sure I would not be charged any overdraft fees. The Bank has refused to do so, even though I can show that every past payment has been made on the last day of the month or later.
Bank of the West has a history of manipulating transactions to maximize overdraft fees ; they were forced to pay {$18.00} XXXX in a class action lawsuit in 2012. I respectfully request any overdraft fees resulting from their mistake to be rescinded.
|
| 03/11/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
Servicemember |
|
IN XX/XX/XXXX BANK OF THE WEST FINANCED A XXXX MOTORHOME, WITH {$20000.00}. CASH DOWN, {$15000.00}. TRADE IN ON A XXXX TRAVEL TRAILER AT 8.5 PERCENT INTEREST FOR A 15YEAR MATURITY. THEY OFFERED EACH YEAR A DEFERMENT AT XX/XX/XXXX AND A {$25.00}. FEE AT THE TIME, OVER EIGHT YEARS FURNISHING PAYMENT SLIPS FOR EACH MONTH WITH THOSE EIGHT MONTHS ADDED ON. XX/XX/XXXX CONCLUDED THOSE 15 YEARS PLUS 8 MONTHS, JUST COMPLETED THOSE PAYMENTS IN XX/XX/XXXX LAST. NOW BANK DEMANDING ADDITIONAL {$16000.00}. IT SEEMS THE BANK TOOK THE FOLLOWING MONTHS AFTER DEFERMENTS PAYMENTS THEN APPLIED THE FULL MONTH TO INTEREST ONLY. TO US THIS IS VERY UNSCRUPLUS, AND UNFAIR IN THE EXTREME. NOW CHARGING {$25.00}. EACH MONTH NO ADDITIONAL PAYMENT IS MADE WITHOUT FURNISHING ADDITIONAL PAYMENT SLIPS AS THEY INDICATED ON FINAL PAY SLIP.
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| 04/15/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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The company refuse to comply with XXXX Law, this law states : Exempt from fee per GC 27388.1 ( a ) ( 2 ) ; recorded concurrently in connection with a transfer of real property that is a residential dwelling to an owner-occupier also " All instruments necessary to transfer ownership, relinquish debt and secure new debt recorded in a single transaction will be considered to be in connection with an exempt transfer, if an exemption is declared and presented with the document.
The Bank of West did not declared and asked for exemption for me when they summit the documents to XXXX XXXX, they are responsible for their mistake.
I've filed complain to both XXXX XXXX and XXXX XXXX and they have refund the fee. So please comply with law, otherwise, I smell class action for Bank of the West.
My loan # XXXX.
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| 01/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I refinanced my property from Bank of the West to XXXX XXXX, during this process, taxes were due, to be paid out of my escrow account. Bank of the west paid my taxes late which occurred late charges, I was never notified that taxes were not going to be paid on time. I spoke with Bank of the West, they told me that a letter should have been sent out, I never received a letter and requested proof of the letter sent, after a day they emailed me back and informed me that they never sent me a letter. I have repeatedly tried to find out whether they were going to credit my escrow account, but now i can not get a response. I should have the right to pay my taxes on time and avoid late fees, Bank of the West never gave me the opportunity and therefore took it upon themselves to spend my hard earned money.
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| 03/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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This is the third month my bank has been charged for seven overdrafts even though it was only suppose to be one. I attempted to correct it before hand and they would not allow me, they say they where informed by a hire up to do this to my account. Also this same bank has disable other accounts attached which i could have tranfered from to correct this issue. This has lead my account to overdraft for about {$4000.00} worth which have caused my living situation to be henderd. I ask if possible can the bank correct this mishaps and fire everyone who was involved in causing my account to be abused. 2022 Bank of the West | NMLS # XXXX | Member FDIC | Equal Housing Lender Doing business in South Dakota as Bank of the West California, Also the account is not private when going in threw my home computer!
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| 11/19/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I checked my account, as I do every day. I saw that the account was overdrawn so I attempted to deposit a check via the mobile app, but it would not allow me to get online. I tried the app on my phone, my husbands phone and, worrying that it was a problem with XXXX phones, had my daughter load it onto her XXXX. I could not access the app from anywhere. I immediately contacted the bank because I did not want to get a late fee simply because their app wasn't working. However, I was charged a bounce fee anyway. I asked that the fee be reversed and they refused. I use the app because it is often difficult to get into the branch. They provide the app as a convenience that I took advantage of. The fact that THEIR APP was not functioning correctly is the SOLE REASON the funds were not in the account.
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| 12/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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XX/XX/2018 To Whom It May Concern : Good afternoon! We have an existing loan with Bank of the West. The loan is for an RV. We are having problems with the RV and the factory agreed to exchange it to a new one. The dealership sent in the paperworks on XX/XX/2018. The bank lost the paperworks and was re-submitted on XX/XX/2018.
The banks deadline for this Exchange of Collateral is on XX/XX/2018. As of today, it is still not done. We have been calling twice a week for an update. Everytime we call, the bank would say its not completed and would send an email to the Collateral Department to expedite. Bank of the West said they received all the paperworks from the dealership Banning RV and the factory XXXX XXXX.
Please help us to resolve this issue. Thank you very much.
Sincerely, XXXX and XXXX
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| 01/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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In XXXX, 2022 I notice XXXX XXXX had removed {$120.00} from my account with Bank of The West. I called to dispute the charge as I HAD NOT authorized them to do so.I got the feeling the customer service rep was not interested in assisting me to dispute the charges, so I went to the bank on XXXX XXXX and spoke to XXXX. She disputed the charges for me and we destroyed the old ATM card.
To my surprise, Bank of the West then authorized XXXX to remove the {$120.00} AGAIN from my account saying based on XXXX 'S TERMS they did so. This is absolutely ridiculous. If I hadn't checked my account, I would have not known. This is XXXX and Bank of the West is allowing XXXX to happen to customer 's account because they are accepting the merchant 's lies. So their customer 's don't matter, just the merchant.
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| 10/19/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
Older American |
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1 ) On XX/XX/2021 i opened a checking account without monthly fees and {$250.00} promotion bonus if {$1000.00} per month of any direct deposit was made for 3 consecutive months. Although i complied with their terms ( i attach the promotion page ) i never received the {$250.00} bonus. Since then i met few people who opened a checking account with Bank of the West during that promotion period and still they waiting for their {$250.00} bonus. This is typical " bait and rip off '' tactic. 2 ) XX/XX/2021 i disputed few unothorized/fraudulent items total amount of {$360.00} and employee that i filed the dispute with over the phone told me that the investigation will take 3 months. After few days XX/XX/2021 i received by mail their completed/Bogus investigation denying my claim ( i attach a copy ).
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| 04/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
Older American |
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As early as XX/XX/2021, I was hospitalized continuously and while XXXX, I contracted XXXX. During the course of my XXXX I was transferred to a XXXX XXXX XXXX, where I am till this day.
I wasn't able to get in contact with my creditor, in this case Bank of the West, until recently, to inform them of my XXXX. Upon informing them of my situation, seeking option to protect my credit, I was informed that my secured credit card account had been charged-off, and paid in full due to nonpayment. When I asked about what programs they have available to individuals in my situation where they are unable to make payments on their accounts due to XXXX XXXX, I was told that since the account was already closed, there wasn't anything they could do about it, that it was over-with and that it was too late.
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| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX IN XXXX CA XXXX DID THEFT ON MY BANK OF THE WEST IN XXXX CA XXXX IN XX/XX/XXXX AND RUINED MY ACCOUNT BY DOING IDENTITY THEFT, DOUBLE CHARGING ME AND POSTING MY PAYMENTS 30 DAYS PAST DUE. XXXX CALIFORNIA IS GANG INFESTED AND I AM A GANG SUPPRESSION PERSON. THE GANGS THAT WORK IN THE BANK AND XXXX XXXX XXXX TRIED TO RUIN ME. THEY REPORTED LATE PAYMENTS AND CHARGED OFF MY XXXX XXXX XXXX XXXX. THEY PLACED A {$3200.00} LOAN AS A CHARGE OFF ON MY XXXX REPORT IN XXXX AND NOW IT SHOWS A XXXX BALANCE AND SENT ME TO A COLLECTION AGENCY. THEY ADDED A BANK OF THE WEST LATE CHARGE AFTER THEY THEY HAD REMOVED IT .THEY MANIPULATE MY CREDIT REPORTS AT WILL. THE GANGS HERE WORK IN THE BUREAUS AND GIVE THEIR MEMBERS GOOD CREIDIT AT WILL .I HAVE BEEN FIGHTING IDENTIYT THEFT USING A TASK FORCE.
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| 05/22/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I called to inquire about getting a Home Equity Line of Credit from bank of the west. My loan officer XXXX XXXX NMLSXXXX misquoted and mislead me into thinking I could borrow 80 percent LTV on my investment property HELOC. That was more than any other institution I had called. I decided to proceed with the application based on the 80 percent LTV. However after my credit score had been pulled he stated that the bank was in fact unable to loan that amount on my home based on the fact that it was an investment property. He changed the LTV from 80 percent to 65 percent which was an identical amount to every other bank I had shopped at. He mislead me and pulled my credit score under false pretenses and then had no solution to the problem. He even asked if I would like to continue with the loan
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| 07/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I applied for a loan on XX/XX/XXXX. I received a response the application was received and I would hear back in 3-4 days. I never heard back. I received notice in the mail my credit had been pulled and my credit score was over 800. I have not received an approval or denial letter or phone call. It's my understanding they are required to notify me one way or another to be in compliance with the law. Today is XX/XX/XXXX and I still have not heard back. I've tried to call multiple times and I sit on hold only to be hung up on eventually. I emailed with no response. I feel this is not a legitimate operation and I'm concerned I've given my NPI info to an unworthy party. I take my personal information and credit very serious.
The company name is Essex Credit and division of Bank of the West.
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| 04/30/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Formal Complaint : Branch XXXX XXXX XXXX, XXXX XXXX, CA XXXX My wife and I went to the same Bank of the West branch office to open an account with the only purpose of receiving a Welcome bonus of {$250.00} each of us. Total of {$500.00} My wife opened an account in XX/XX/2020 using the code XXXX using a mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA Myself opened an account in XX/XX/2020 using the code XXXX using a mailing address of XXXX XXXX XXXX, XXXX XXXX, XXXX CA We have a proof of address letter from the Bank of the West.
Now, I did not receive my Welcome Bonus.
From the very beginning Manager XXXX, and XXXX knew this situation. That is why they let me open an account using a Welcome Bonus Code ( as stated the letter I provide ).
I look forward to hearing from you.
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| 05/04/2019 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Fees charged for closing account
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Web |
Older American |
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ON XX/XX/2019 I closed my savings account with Bank of the West. I was given a receipt showing {$0.00}. When asked why I closed the account, I stated that I did not like the {$15.00} service fee I was charged a couple of months before.
I got another statement from Bank of the West for the period of XX/XX/XXXX - XX/XX/XXXX indicating that I had a negative balance of {$15.00}.
I called the XXXX number and explained what happened and stated that I would have been upset but would have accepted another {$15.00} fee when I closed the account but couldn't accept the fee being charged retroactively. The representative stated that they would waive the fee.
Imagine my frustration when I received a letter from Bank of the West stating that I was responsible for an overdraft amount of {$30.00}!
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| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Good afternoon, I place a dispute with XXXX and XXXX XXXX because they are reporting inaccurate information on my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :
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| 08/19/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I opted out of debit card overdraft protection with Bank of the West because I thought that it meant that any payment from my debit card would be declined if I did n't have enough funds. According to their website, overdraft protection covers automatic payments and recurring debit card transactions. I forgot about an automatic debit payment that the bank allowed to go through, totally my fault for forgetting, but I became overdrawn by {$7.00} so they charged me a {$35.00} fee. When I called to find out why and to have them explain it to me, one person told me it was at the bank 's discretion to allow things to go through and then she hung up on me so I called back and another person told me that it did n't apply to automatic debit card transactions but from what I understand it does.
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| 06/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I live in XXXX XXXX. On XX/XX/XXXX. I had about {$5300.00} in my The Bank of the West checking account. But I found {$2900.00} missing from my account on XX/XX/XXXX. So I went to my bank ask them, they said there was a check being cash. And they print that copy of the check for me, I recognize it was an old check for my XXXX XXXX 8 months ago, and he cashed it in XX/XX/XXXX already. Now he changed the date and amount of my check and cashed it again with his phone app. And surprisingly, my bank cashed it second time to him. I lost {$2900.00} due to fraud. I had contacted my bank immediately, they filed a fraud report, and they told me I should report it to police, which I did. ( Police report numberXXXX. ) Now I need my money back .The bank said it will take a long time. Please help.
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| 10/12/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
Older American |
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My bank this morning dispersed $ XXXX.from my bank account, without my permission. They made a {$2500.00}. wire transfer payment on a bill with a balance of {$150.00}.
The recipient/XXXX knew the payment was in error and has voided the check.Bank of the West Type to enter text is doing nothing to restore that money to my bank account, leaving me overdrawn several thousand dollars! After many hours investigating what could possibly have happened, I believe was caused by an error Bank of the West processing center.
The Bank is doing nothing to help me even though I notified them at XXXX of the problem.
Their Customer Service keeps wanting to make it my fault!
My account is now overdrawn several thousand dollars and I can not pay my bills withdraw any money!.
Type to enter text
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| 07/15/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On or about XX/XX/2021 I was notified by BANK OF THE WEST that I was being charged {$70.00} for two overdrafts on my account. The amounts were XXXX CENTS and XXXX CENTS. I was charged {$35.00} for each transactions and neither was paid by BANK OF THE WEST. Both amounts were deposited and were suppose to be withdrawn for verification of my account for XXXX. This is a new account with BANK OF THE WEST and I was trying to link other accounts to the BANK OF THE WEST account, only to be charged {$70.00} for an overdraft of less {$1.00}. I was notified by XXXX that the transaction has gone through, but once I checked my account it appeared BANK OF THE WEST reversed that transaction in an attempt to charge the overdraft fee of {$70.00} for two withdrawals for less than {$1.00}.
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| 10/25/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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I closed my Bank of the West account and they still processed an reoccurring scheduled transfer after my account was closed. Shouldn't all pending transfers be cancelled after the account is closed? I received an email from Bank of the West stating for external fund transfers to contact my external financial institution. I contacted XXXX today and they told me either I can file a claim. Bank of the West needs to fix this process, I should not be asking XXXX to fix their problem. They should have rejected the ACH if they noticed the account was closed. They should not have processed any transfer since the account was closed and they should be remitting the funds back since my account was closed. I should be making all these calls to fix their problem. The Transfer # XXXX
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| 12/08/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
Servicemember |
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XXXX at Bank of the West XXXX XXXX in XXXX XXXX, NV opened a business checking account for me and my business in XXXX of XXXX. As a new business, I instructed her to open an account that does not have a minimum balance requirement, and with fees that can be negated by simply making a deposit. She did not do so, and instead opened an account that had a minimum balance requirement of {$5000.00}. This error caused me to incurr XXXX XXXX monthly bank fees for every month since. When contacted, XXXX did not address her error. I have also contacted the branch AND corporate, all of whom have also failed to rectify the matter. I have called and emailed SEVERAL times. I am demanding a refund of the fees taken from my account from XX/XX/2021 until now, totaling {$100.00}.
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| 10/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Hello- I have been trying for WEEKS to get in touch with someone at The Bank of the West to change the account that my automatic payments withdraw from. Unfortunately, every single time i've tried calling ( 4-5 times ), i've sat on hold for almost an hour and noone has answered.
I've tried communicating with them via their messaging portal, but their instructions dont work.
I've tried communicating with them on XXXX and they direct me to email their social media account and then respond with a message for me to call their 800 number. The ONE time someone called me, they got into my voicemail and told me to call the 800 number.
They are not making themselves available to me to properly transact on my account and, as a result, i may miss my upcoming payment.
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| 01/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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So I got a money transfer and I go to the XXXX XXXX on XXXX and XXXX XXXX XXXX Arizona and they tell me that they can't give me the money until the funds are posted to my account okay at this time the phones are processing they're not posted yet okay so I go couple days later I go to the other bank on XXXX XXXX and XXXX and the money is still processing and they gave it to me with no problem they said nothing about it having to post my account before I got the money nothing about we can't give you the money until the money posted nothing about none of that and it really kind of irked me because why is XXXX come XXXX business doing this and the same business but a different place of business is doing this I don't get it so I made a big old fuss and that was it
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| 02/01/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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Bank of the West is not closing my checking account despite repeated requests. I am being charged a monthly fee for the active account. I sent a secure message on the web portal on XX/XX/XXXX to close the account. On XX/XX/XXXX, they replied and said that the account will be closed in XXXX business days. However, the account is still open and I was charged $ 10 monthly service fees on XX/XX/XXXX, XX/XX/XXXX, and a {$30.00} fee on XX/XX/XXXX. I sent them two more messages on XX/XX/XXXX and XX/XX/XXXX but they have not responded. I called several times and was unable to reach a customer service agent due to long wait times. The fees on my account made my account balance go negative and now I am getting messages that my account may be reported to credit agencies.
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| 10/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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Web |
Servicemember |
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On XX/XX/2021 I opened a business bank account and secured credit card with Bank of the West. They later denied my secured credit card, even though I provided all the necessary documentation and funding. The business bank account remained open, but has been disabled by Bank of the West twice now in as many months due to an inadequate notification system. I requested both times of deactivation that Bank of the West send me a relay text so that I can confirm the validity of any questionable purchase with a simple YES/NO reply, to which they declined to accommodate. As a result, I requested to close my account, to which they claim I can not do online or over the phone. I do not have a car, and can not afford time or money wasted to be forced to go into a branch.
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| 03/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American, Servicemember |
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In response to Complaint XXXX, the creditor stated that they used information concerning a previous bankruptcy in arriving at their decision. This information was concerning Chapter XXXX that was initiated over seven years from the date of my application for credit. When making the decision to pursue a 100 % payment plan, I was advised by legal counsel that this would allow me, upon plan completion, to receive a " fresh start '' seven years from filing. After making payments of {$4600.00} a month for nearly five years to complete the plan and receive a discharge, I am being told by the creditor in the above cite response that I have to maintain a high credit rating for an additional two years resulting in an over nine-year wait to receive a " fresh start ''.
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| 05/28/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX Bank of the West payment confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
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| 12/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX I opened a checking account with Bank of the West when there was a promotion of {$250.00} bonus for doing a doing a direct deposit of more than {$1000.00} over 3 months.
I correctly opened the account by applying online on their website. Below the " Apply now '' button on their website it said that the promotion code is automatically applied. Please see attached screenshot of the same.
I also met the promotion terms from XX/XX/XXXXto XX/XX/2019.
Further when I contacted the bank on XX/XX/XXXX, they are saying that the promotion code was not applied in my case and so they denied the bonus.
I request the bank to kindly issue the bonus of {$250.00} as I applied correctly and met the terms. It is an issue with their website / system itself.
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| 03/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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|
Web |
Servicemember |
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I paid off my loan with Bank of the west XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX THE COMPANY IS HOLDING SINCE XXXX XXXX {$2900.00} FROM MY CANCELLATON OF MY WARRENTY AGREEMENT. spoke to customer service six times and I get from them, they do not know where the money is, yet I hold the letter stating they have the money and to call them, but when I call they escalated three times and on XX/XX/2020 once again spoke with a supervisor XXXX XXXX XXXX and even with the letter he says he does not see the letter, this must be some kind of joke.
This bank takes advantage of XXXX individuals, it is horrible. If I did not pay them a loan payment I would be in court. This is unacceptable that that they can hold {$2900.00} of my money for no reason.
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| 12/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
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In addition to XXXX Bank of The West returned my {$50.00} check # XXXX to my XXXX account and charged me {$15.00}. I learned of the return check but only just learned of the {$15.00} charge. I had been told XXXX could not read my account number and blamed them over Bank of The West. Yet Bank of the West photo image was accepted and you can clearly read on the back all of my correct numbers. I think they did this on purpose based on my prior complaints and to earn revenue from themselves while stealing a XXXX XXXX XXXX person on XXXX money because like I stated before is easier to steal money from the poor as we have no power. I Need my {$15.00} back. I am XXXX years old and haven't had anything bounce since I was XXXX from a work paycheck error.
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| 07/25/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to establish an account with XXXX XXXX. While reviewing his credit reports he found an account from XXXX with Bank of the West ( BOW ). In an effort to obtain information about this account an official debt validation letter was mailed to BOW XX/XX/XXXX, certified mail with return receipt XXXX XXXX XXXX XXXX XXXX and was delivered to BOW and signed for XX/XX/XXXX at XXXX XXXX. XXXX never sent a reply or any account disclosure information to my client concerning the reported account. A credit report obtained XX/XX/XXXX shows the BOW account stuill being reported to XXXX and XXXX. This action is a violation of both FCRA and FDCPA consumer law by BOW.
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| 03/09/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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I have a bank of the west checking account and it has around {$500.00} balance. I had monthly activities ... .... 2 years ago, I ca n't login in to my account and had n't received any letter from them. I called one of their branches in XXXX, IA and one banker over the phone told me my account went dormant and I had to fill out the form to reactive my account. She mailed me a form in the mail, I filled out and mailed back to her. Nothing has happened ... .I ca n't still login in to my account and I need my money back. Bank of the west ca n't just say customers ' account go dormant and keep customer 's money.
The below is my Bank of the West account number : Account Holder XXXX Account Type Checking Account Number XXXX Transit Routing Number XXXX
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| 06/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/20 I filed bank dispute XXXX with representative XXXX XXXX ext XXXX for purchase made on XX/XX/20 to card ending in XXXX for {$230.00} paid to XXXX XXXX. As of XX/XX/20 merchandise was returned to store at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX -phone # XXXX to supervisor XXXX & cashier XXXX XXXX whose name is on return receipt. Both workers knew I closed my XXXX account before refund but assured me refund would not be " in limbo '' .XXXX XXXX today confirmed XXXX blocked refund but refused to issue refund check.
XXXX falsely accused me of filing multiple past claims which I closed without repayment in a fraudulent attempt to refuse issuance of final refund credit, despite receipt of both faxed & email copies of store return receipt.
|
| 02/14/2016 |
No |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I had an account with Bank of the West a few years ago. There security fraud department contacted me because they seen a computer system from XXXX trying to access my account. They stated that I had a mobile banking set up on my account and I did not. The security/fraud department contacted me four different times. They allow a payment to post to my account and then it was return as fraud and it caused my account to overdraft. They billed my account and closed my account after I told them I did not have mobile banking and they allowed the transaction to complete. The amount was around XXXX and this had negatively impacted my credit. I was billed for a security problem in there system and it 's not right that this was allowed to happen to me.
|
| 12/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/XXXX, I checked my account ( including pending charges ) before making 2 transactions. One charge was a payment to my credit card, the other was a debit card transaction. I showed a balance of just over {$62.00}, and my transactions were for {$40.00} and {$20.00}. I checked my account today, XX/XX/XXXX, and there is a service fee on my account, causing a negative balance. The fee shows it passed on XX/XX/XXXX, but it didnt show on the account at all until XX/XX/XXXX, causing an overdraft and likely costing me a {$35.00} overdraft fee for a {$10.00} fee. Bank of the West lacks transparency and should be required to show pending fees, especially when the fee us literally because I dont have enough money going into the account.
|
| 09/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I need to dispute 3 transactions made with my debit card from Bank of the west. I tried to report this to my bank but hey closed my account a couple of weeks ago, and Im not in the US right now to do it at the branch. So they denied the opportunity to report this charge back request.
transaction 1 : XXXX XXXX ( I cant check the exact dollar ammount because I dont have access to see my statements ) made on XX/XX/2022. I should received this on XX/XX/XXXX transaction 2 : XXXX XXXX, made on XX/XX/2022, I should received this on XX/XX/XXXX transaction 3 : XXXX XXXX, made on XX/XX/2022, I should received this on XX/XX/XXXX I tried to reach the merchant several times without any answer, and they never respond the emails I sent to them
|
| 11/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I opened an account in order to get an online loan, I got approved but then realized it was a scam and called the bank less then 12 hour of the transaction., No withdrawal had taken place yet and told the bank i though it was a scam and to cancel the transaction and to lock the account completely. They locked the acct and they returned payment as far as I know then I received a substitute check that said to use as if it were the orginal., I thought cool it must of been good so I went and redeposited it they gave me some more money I think {$55.00} and then I never received any information of it not going through or anything. I assumed it was in my acct until today when I seen on my Equifax report a new collections.. for {$100.00}
|
| 06/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This account is a checking account overdraft protection line of credit account. The checking account was opened years ago, not XX/XX/2020. When I closed out my Bank of the West mortgage and then closed the checking account, I was given a dollar amount to fully cover any outstanding balance.
Obviously this amount I was given was wrong!!! So Bank of the West puts a charged off account on my credit for this? And stops me from qualifying for a new mortgage at the highly qualified interest rate I have earned.
How can an account open XX/XX/2020, close XX/XX/2020 and be reported as a charge off? And XXXX reports the Date of First Delinquency is XX/XX/2020. That is 17 days before the account was opened, according to FCRA reporting.
|
| 08/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I opened an 0 % APR credit card account with Bank of the West just to stop them from sending me invitations in the mail and decided to use the card later on. Since I thought I was getting 0 % APR for first XXXX months for purchases I decided to set the auto payment to minimum amount when I was checking when should I update auto payment to full balance this morning I realized I was getting charged interest. I tried resolving this with the bank 's call center but although the rep was trying his best, were not able to help me. I've never paid interest on my credit card purchases in my entire life and this is something really annoying for me.
Interest Charges : XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
|
| 05/15/2020 |
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
|
|
Web |
|
|
I used my Bank of the West MasterCard and purchased 2 tickets to a concert from XXXX. The XX/XX/XXXX concert was cancelled due to covid. XXXX says the concert is not cancelled but postponed so they won't refund the ticket price plus fees.
I contested the charges of {$120.00} and {$4.00} that posted XX/XX/XXXX on my Bank of the West statement due to " Service not Rendered ''. I received a letter from Bank of the West denying the reversal of charges with them stating that they are not responsible for misrepresentations made by merchants which I choose to due business with. Is this not the definition of " Service not Rendered ''?
Bank of the West ends the letter with " This is not a bank issue ''.
The Case ID is XXXX
|
| 12/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Please see previous CFPB Complaint # : XXXX and review the additional documentation that further supports my claim that my credit being run by Bank of the West was unauthorized. Ive attached a copy of the pre-approval letter from my credit union, XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for Bank of the West to run my credit due to having already secured financing through my own credit union.
I am requesting that Bank of the West remove the hard credit inquiries from my XXXX and XXXX credit reports.
I will pursue legal action, if necessary, to request the inquiries be removed from my credit reports.
|
| 11/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
I called the main telephone number for Bank of the West on XX/XX/2021 to close my 2 checking accounts. one with a balance of {$160.00} and the other checking account with a balance of {$230.00}. I updated my address over the telephone from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, NE XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX The local Bank of the West branch in XXXX, Nebraska closed both accounts and mailed a single check for {$390.00} to my old address. As of today XX/XX/2021 I have not received the check. I called the local Bank of the West branch on XX/XX/2021 and they told me thet no check could be reissued until XX/XX/2021. I need these funds now for bills. Thank you.
|
| 07/30/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
my husband received a check for approx. {$22000.00} from and inheritance recently in the form of an official cashiers check. I took the check to our Bank ( Bank of the West ) in XXXX, AZ and I was told that the funds would not be available for at least XXXX business days. I was told that {$200.00} would be available immediately, then in XXXX days {$4800.00} would be available and then in XXXX business days the remainder. I asked why that was since it was an official check. They said that there was nothing that they could do and it was just the way it was. I have since looked up the law and see that the funds should have been available the next day. I wanted to alert you to this situation. Thank you, XXXX XXXX.
|
| 11/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
When I check my account last month. I only owe {$74.00} balance negatives and I check this week. I check again its from {$74.00} to {$190.00}. Negatives they charged me another fee. Five day negative fee of {$30.00}. Then next they charged me 4 {$34.00} fee. The XXXX XXXX and XXXX XXXX. I called both bank. XXXX said that I didnt owe them anything. No return check. Also XXXX said that its was return fee. So did stop them from send check thought, I sign up to have check paid and debit card paid. They rather keep charging me fee. Rather just pay the one card. So would owe them over 4 fee. So that when ask can I closed the account. I was told no until the money is. This bank should be closed bank of fee.
|
| 07/13/2018 |
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
|
|
Web |
|
|
I mailed two disputes to bank of the west. Im not satisfied with the purchases on my credit card except {$100.00} to XXXX and {$10.00} to XXXX XXXX. They ignored my letter and wont investigate. I didnt make purchases except those two. I thought my husband did because he made me give him a card but i dont know for sure because bank of the west wont give me the credit card slips or videos of when it was used. I want it investigated. They ignored my letter and are still trying to collect. Im supposed to send the letter within 60 days of when i get a statement but i was promised a statement a week ago by the manager of the local branch and im still waiting. I dont have an itemized list of purchases.
|
| 07/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
i have had a checking account with bank of the west since late XX/XX/XXXX early XX/XX/XXXX and a safe deposit box for about 30+ years. every year i get a bill for the safety deposit box and when i receive the bill i pay by mail or check in person. i received a letter from bank of the west on XX/XX/XXXX advising me that they would take out the payment for my safety deposit box automatically on XX/XX/XXXX without my authorization. i have never given bank of the west permission to take money from my account. they just decided on their own that it was ok to take my money. i spoke with the bank manager of the XXXX XXXX XXXX and his suggestion was that i could surrender my safe deposit box an move on.
|
| 06/07/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
My husband and an XXXX filed bankruptcy in XX/XX/XXXX. We had a home equity line of credit with Bank of the West and the borrower was the XXXX, my husband and me. Bank of the West was notified by the courts and our attorney. The billing continues to be sent in the name of the XXXX, even after I sent them copies of the bankruptcy notice. I called the bank the end of XX/XX/XXXX and they said they would change the name on the billing notice to my name since I did not file bankruptcy or not send notices to us at all. This process took about 4 years to complete. If a Chapter XXXX bankruptcy was discharge and the debt was not reaffirmed, can they send notices? The XXXX was no longer a viable company
|
| 12/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened Bank of the West ( BOTW ) checking Account in XX/XX/2019 because they had a promotion of {$250.00} in which they promised that if the customer deposits {$250.00} every first week of the month then in the month of XX/XX/2019 BOTW will provide a gift money of {$250.00}. First of all I completed all the requirements by BOTW. I did not receive the welcome bonus and on the top of that they also deducted {$10.00} from the account in XX/XX/2019. I called customer service but they were of no help. I would request the CFPB to please take required action and take a strict action against this bank. This is a fraud bank which shouldn't be functioning in America and should be immediately closed.
|
| 07/17/2019 |
No |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
First, Bank of The West refuses to grandfather me into their " Free For Life '' account, I opened on XX/XX/XXXX, where the counterfeit check was paid. A new account was opened.
Second, on XX/XX/XXXX XXXX XXXX wrote a counterfeit check to XXXX XXXX for {$1100.00} he used my routing number, account number but not my bank information instead he used " XXXX XXXX XXXX XXXX California CA. '' On XX/XX/XXXX, while reviewing my XX/XX/XXXX/XX/XX/XXXX bank statements, for a project, I stumbled upon this counterfeit check. I completed the banks fraud form but was informed my funds would not be refunded.
I do not know these people however, once the suspects are found, I will press charges. Thank you.
|
| 01/11/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
Bank of the west financed my boat for fifteen years during the first five years at XXXX XXXX they had a promotion to extend a payment for fifteen dollars I took advantage of this for five years .I paid off the loan including the five extra payments, then, I was told I still owed XXXX more for interest on those promotions.i complained but to no avail so I continued to make three more payments before I found out they reported my loan a write off to the credit bureau.I turned this over to a law firm they are writing a letter stating deseptive trade.the law firm advised me to turn this in to you .please advise me of what else I can do to get my titles on the boat and motor and clear my credit.
|
| 02/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Older American |
|
I was sent a credit card from Bank of the West.
It is supposed to have 3 % cash back and a XXXX dollar bonus if i use XXXX in 90 days I am unable to get or even see any of these benefits because they wont let me open an " online account '' to manage my credit card several days of trying and hours with there customer service on the phone gets me the answer that " my account needs to be verified. They will let me know when that happens '' along with long hold times and switching reps to start over with and being hung up on.
Since the credit card already works, I can not imagine what it is that needs to be " verified '' neither does anyone at the company that I can speak to on the phone.
|
| 03/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Submitted a boat loan application to Bank of the West on XX/XX/21. Received a denial for credit on the morning of XX/XX/21. I reached out to them for an explanation and was told my " DTI is too high ''. I provided supplemental documentation and a complete calculation of my debt vs. my income, as stated on my credit report. My DTI is under 40 % with the requested financing, which is the threshold for qualification. However I was still denied, despite having sufficient income and an average credit score of XXXX. I meet all of the lending guidelines which leads me to believe that a violation of XXXX may be in play here. I suspect it's due to me being pretty young for a typical boat buyer.
|
| 07/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I'm a victim of fraud and I sued Bank of the West. I was first offered a settlement by XXXX XXXX, which she reneged on..
Apparently I'm now being offered another settlement, but, the law firm that Bank of the West hired is too sexist to deal with. XXXX XXXX XXXX XXXX. I don't understand how to talk to a law firm that has all female support staff and the lack of ethnic minorities in management is baffling.
This level of sexism and discrimination is something that I've never, ever seen. I never even conceived of this situation before now. I don't know what to do. I'm being denied a settlement and am being treated differently because I don't know how to deal with sexism in practice.
|
| 11/30/2019 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
MASTERCARD STANDARD XXXX Current Balance : {$9.00} Credit available : {$250.00} out of {$300.00} I am having a constant problem with the bank of the west credit card secured I am not given ample time to pay because of their reporting system is lagged behind this is effecting the credit report that is allocated to this card.
i need some information or maybe the ability to pay this card as i am not even able to use this card a week before the date of bill arrives they do not give me an option to overpay or to pay the credit limits difference just the bill that is updated on a daily basis, however the credit is as you can see below the 300 mark is there someway that is can be resolved
|
| 10/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a new checking account that comes with a {$500.00} bonus in XX/XX/XXXX. The term was to deposit and maintain at least $ XXXX, and the bonus would be deposited on or before XX/XX/XXXX. I didn't see it on XX/XX/XXXX, so I sent a secure message in the online banking. No response. Tried again on XX/XX/XXXX but still no one look into it. I called the number at the back of my debit card. A customer service looked in the system for 40 minutes and then asked me to go to a branch to try. I feel I'm being kicked like a ball and no one really wants to honor the promised term. I request deposit {$500.00} bonus to my account immediately. Please see all the supporting documents attached
|
| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Bank of the West is reporting an account to my 3 credit bureaus that is no longer my responsibility and was given over full responsibility to my x wife per our divorce decree. I have late payment report which are detrimental to my credit rating showing I Was 30 days late ( 2 ) time ( s ). Was 60 days late ( 1 ) time ( s ). Was 90 days late ( 1 ) time ( s ). I have tried to not only inform, but get this resolved with Bank of the West via telephone and by a letter I mailed disputing and explaining the situation. They have yet to rectify their mistake.
I have attached the Divorce Decree from XX/XX/2009, the credit card account # XXXX Bank of the West is listed on Page 3 and Number 9
|
| 06/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I wrote a check to my landlord for rent on XX/XX/XXXX for XXXX $ and placed it in the mailbox for pick up from my landlord as I always do. Someone stole the check out of the mailbox, and cashed the check fraudulently on XX/XX/XXXX. ( I have pictures of the check ) Bank of the West is aware of the stolen funds and situation, and released my funds fraudulently. I have done all I can with them, filled out all of there forms, spoken to everyone in the branch, got my landlord to sign the paper that he never received the funds, and even started a new account. They then told me they have 90 days to work with the claims department. Its been 90 days and they still will not return my money.
|
| 05/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have a credit card that is the " world '' card. The card was assessed a foreign transaction fee because it is not the " elite world '' card. The name of the card is misleading and contrary to information provided to me by the bank prior to foreign travel. When I called to resolve the {$1.00} fee that was assessed on XX/XX/19 I was told there is nothing that can be done since it is not the " elite world '' card. It seams as though the information provided to me was wrong as representatives for the bank are also confused between the two " world ' cards. The company would not take any action to resolve the issue, which is a {$1.00} fee. I have been a customer for over 10+ years.
|
| 03/22/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
When my wife and I tried applying for a loan, the loan officer informed me that on my credit report there were XXXX different collection account for Bank of the West listed. The XXXX shows account name unknown with XXXX balance states unpaid and consumer disagrees. XXXX is listed as XXXX XXXX XXXX XXXXBank of the West with a balance of {$180.00} that supposly was turned over to collection XXXX. I have attempted to gain information related to XXXX of these accounts with no luck not even sure what branch these transaction took place at and I was told without a account number for reference it would be difficult to figure it out since my XXXX number did not pull any information.
|
| 03/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Bank of the West has been charging me {$35.00} fees for transactions unknown to me of origin. I have contacted their support but just get no help at all. As a result I have quit using the account completely but I keep getting {$35.00} fees charged for these transactions. Now today I was informed If the fees aren't paid in 5 days they charge extended unpaid fees. The only money owed is their fees amd I refuse to pay. I would list the charges here but there is wo many ( many I paid in the past months ) its un manageable and I feel they are taking advantage of people. I have written them informing them of the laws about frivelous fees with banks but they do not acknowledge.
|
| 09/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I paid off my RV loan with Bank of the West early, on XX/XX/2020 via electronic delivery through XXXX XXXX XXXX. The funds were received by Bank of the West on XX/XX/XXXX.
Bank of the West did not process the payment against the loan until XX/XX/2020. At that time, they promised to send the title within 10 business days. As of XX/XX/2020 I have still not received the title.
I have placed 4 calls to Bank of the West customer service regarding this issue and each time, after a minimum of 50 minutes on hold, I am given a verbal shoulder shrug and told that my paperwork is " in process ''.
They've had my money for 45 days and I still don't have my title. Please help.
|
| 04/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I refinance my mortgage and Hloc Loan with my bank, Bank of the west, and I never authorised they touch my car loan ( with the same bank ). However without my authorisation they included my car loan I had for 2.92 % interest rate for 5 years fixed, and I already paid for 8 month, they included this loan in the refinance without I authorised for 4.75 interest rate for 30 years. I am so mad about that, I trusted in the bank and I feel I was scammed per people to try to sell services without asked me.
I contact the bank, itis very hard to get hold of them, all I got was a letter from the compliance department saying it is fine. But never gave me a contact to contest it.
|
| 08/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
On XXXX XXXX, 2015 I reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, XXXX. I was in the process of selling the property and provided Bank of the West a purchase agreement, but they refused to work with us. On XXXX XXXX, 2015, less than a month later, the property closed on the same purchase agreement and Bank of the West was paid off at the amount they demanded.
Previously, demand was made on Bank of the West to this agency for full disclosure regarding all figures supporting the payoff of this loan ; however, the reinstatement figure of {$11000.00} remains unaccounted for. Bank of the West has failed to provide itemization for this figure.
|
| 04/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2021, an unauthorized debit of {$290.00} was debited to my Bank of the West checking account. I didn't have any knowledge of the unauthorized debit and I didn't receive any benefit from the unauthorized debit either. So I reported it to my bank and they provided me with the provisional credit of {$290.00} to my personal checking account on XX/XX/2021. However, on XX/XX/2021, my bank notified me of the credit reversal with the conclusion that there was no error. Subsequently, on XX/XX/2021, my bank debited the provisional credit from my checking account. I completely disagree to their conclusion and I would need to get protection from the Regulation E.
|
| 01/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Bank of the West & XXXX XXXX XXXX are reporting a debt of XXXX I was XXXX and forcefully removed from my place of living in XXXX and was homeless from XX/XX/XXXX THROUGHOUT XXXX AND XXXX TILL XX/XX/XXXX.
They are passing the buck on the consumer whom has already suffered enough. I have found over 8 fraud accounts on my credit including this one. I had NO access to any online accounts or home or internet access ( infrequently ) during my homeless bought. I filed fraud claims online on identitythieft.gov and with BOTW faxing in a document today by a bank manager.
When I call XXXX XXXX they refer me to BOTW when I go to BOTW they send me to XXXX XXXX.
|
| 10/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Over the last 2 weeks Bank of the West has been calling my work, every morning.
They have NOT called my cell phone one time, not even once, nor have they sent me a default letter.
On XX/XX/20 at aprox XXXX, I was finally able to get transferred to the dept that has been harassing the employees I work with. I asked why they haven't called my cell phone, they had no excuse. Had them remove my work number and gave them the phone number to my bankruptcy atty.
At XXXX XXXX on XX/XX/20 they called my work AGAIN, the whole office staff yelled at me to answer the phone ( which is so embarrassing ) I did, I greeted them and guess what ... they hung up on me!!
|
| 11/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 07/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Banking fees charged to my account excessively. The more funds added to my account the more fees popped up. Opened account XX/XX/XXXX. No additional fees up to Mid XXXX.
XXXX deposited {$13000.00} fees assessed were {$240.00} XXXX {$28000.00} fees assessed {$70.00} XXXX {$14000.00} fees assessed {$1000.00} As of today XX/XX/XXXX ... .My account is $ XXXX I have had to take out 3 loans and I am still unable to keep a positive balance. I have made disputes and requested my account be reviewed and I have only received {$700.00} returned to my account. Deposits are being made but I can no longer keep up with my growing negative balance. Please help!!
|
| 01/06/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
We started XXXX loan applications together with Bank of the West. BofW told us the loans would be handled as a package and they required that the loans all close together. In fact XXXX of the loans was for our primary residence which required a 72hr rescission/hold so the funds for the other XXXX loans were not available. The loan process was extended multiple times due to XXXX appraisal and other 3rd party delays, yet BofW at XXXX point decided to charge us roughly {$1500.00} in rate extension fees, but only on XXXX loan. The delays were compounded by poor communication and organization on the part of BofW and yet we paid the cost, in our opinion.
|
| 03/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
Since I opened my account with Bank of the West in XXXX of 2021, they have consistently stolen from me. They fraudulently opened an account in my name that I did not ask for or authorize. I have contacted them at least twice a month since I opened the account, filing several claims against them along the way, and they refuse to address their associate 's fraudulent actions and change my account to the correct one that I had initially chosen. To date, they have stolen {$80.00} from me, and continue to do so on a monthly basis. If they do not refund the money they stole from me and close this fraudulent account today, I will be filing legal charges.
|
| 01/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/XXXX, my checking account was overdrawn, causing me to be assessed an overdraft fee. Over the course of 5 days, I was assessed {$210.00} in overdraft fees, even though I deposited over {$700.00} over the course of several deposits. Because I could not deposit them quickly enough, I was continued to be charged for having overdrafts. When I reached out to the bank, they refused to credit any of the fees, citing that I had had one overdraft fee refunded in XXXX of XXXX. This was on XX/XX/XXXX. I believe that these types of fees directly impact customers who are clearly struggling, and prevent them from bringing their accounts out of default.
|
| 10/23/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
We closed a checking bank account with Bank of the West after explicitly asking whether bank fees would artificially keep the account open. We were assured that the monthly fee charged or any other bank fee charged would not keep the account open, only outside charges. We also received the final amount in the account at that time. Since then, we have received an account statement showing that the account was still open and the monthly bank fee had indeed been charged so the account is now in a negative balance. Exactly the very thing we were told would NOT happen when we went in to close the account by an employee working at a branch of this bank.
|
| 01/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Bank of the West promised in their advertising the reward of {$200.00} for opening and using their credit card and after spending {$1000.00} during the first 90 days send {$200.00} to my checking account. I successfully completed the requirements of their offer. I have the email confirmation from their rewards department about completing the offer but I dont have this money. I called to their customer service dozen of times, and every reps and manager promised to resolve the problem but never gave this money simply steal money. Their representatives promised to escalate my case to upper level but till today XX/XX/2023, I didnt receive this money.
|
| 10/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I opened an account two months. The bank has denied service. It first sent checks to an incorrect address. Virtual every time I've tried to use my debit card, it is blocked. I've been stranded without gas or stuck at groceries numerous times. The bank denied doing this, and has said that the card was really just being declined. I submitted a dispute two weeks ago. The bank has refused to process the dispute. The customer service representative refused to provide answers as to why. After contacting a bank branch, the employee demanded my social security number and then refused service. I've sustained severe damages, due to this banks negligence.
|
| 06/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I have a horse trailer loan with Bank of the West. I have been trying to change my address with then for 3 years. It is impossible to speak to an agent. I sat on hold yesterday for 3 hours.
The hold message mentioned that I could do a change of address on line. I went through the process to set up an online account only to find out that my loan does not qualify.
I continued to hold for 3 hours.
I am trying to sell my trailer but I need to get the address changed so that the lien release comes to me and not to my old address.
I am concerned that the payoff won't be handles properly since the change of address is so difficult for them.
|
| 11/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I still recall that eperience I had with Bank of the West while I tried depositing money into my account. My balance was negative by less than 100 dollars and the atm acted up. My debit card had not returned to me and the money did not reflect on my account. I called Bank of the West Customer Service and the lady I spoke to stated that they would send a tech person, but wasn't alowed to disclose any info. So I recieved a call from the bank the next day to pick up my card. I asked the manager if he can waive the fee and stated he couldn't because he had done it once. He knew about my curcimstance and did not bother to honor the atm issues.
|
| 11/13/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
I had a line of credit and over draft protection with bank of the west. they say I owe them {$35000.00} and because you did n't pay we close it. I request from them and from the lawers for document for this loan and statement they only show that XXXX was transferred to my accunt on XXXX XXXX XXXX but on day before that I deposited {$25000.00} on my account by mistake they deposited to my personal account and 6 days later they withdrew that. I need my loan statement from XXXX XXXX to now.and explanation about {$21000.00} deposit the day befor and {$75000.00} day after .I think they madae amistake and then cover that from my line of credit.
|
| 10/06/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I have a loan with Bank of the West and I am frustrated because I was just informed that I would not be receiving regular statements, which was not disclosed at the time I took the loan 3 months ago. In addition, when I go to view the payments that were made online sometimes the payments show and sometimes they do n't, it 's very arbitrary. So downloading my activity is useless. Is there some remedy so that I have a way to make sure my payments are posted accurately and timely? I feel like I am in prison with a bank that is less than transparent and I do n't care for it and I am wondering if this is allowed from a regulatory perspective.
|
| 12/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I was furloughed back in XXXX and haven't really had a need to use my standard bank account at bank of the west due to unemployment benefits being on prepaid government card. I am just getting back to work next week and wanted to set up my direct deposit to find out they charged me {$270.00} in overdraft fees even though I don't have any transactions that put the account into the negative whatsoever to make those fees valid. When I called they said the account has been sent to collections and there's nothing they can do. I don't want this to affect me trying to purchase a home and a charged off bank account is as serious as it gets.
|
| 03/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
In XXXX of XXXX I took our an auto loan with Bank of the West on a XXXX XXXX XXXX for XXXX, and in Late XX/XX/XXXX I paid off this account in full. However, I have yet to receive the title from the Bank of the West & they have closed my online access to the account. Thus when I call every single number online I either can not get pasted the automated prompts ( because I dont know my account number ) or if I get someone on the phone they can not provide me any information on when ill let me the original title from them. I have waiting over 8 months from paying off, and would like the title provided to me as the owner of the vehicle.
|
| 08/26/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/XXXX I received two letters in the mail from Bank of the West Recovery Department. One letter was informing me that I was now in default the bank was accelerating payment for my loan. The balance reverted to the original balance due of {$12000.00} even though it was negotiated at the time my home went into foreclosure in XXXX and after 13 years of paying with no defaults my balance is {$3000.00}. The second later dated the same day and received the same day declared me in default of not responding to the first letter and encouraging for me to seek immediate assistance to save my home. My attempts to clear this up are ongoing.
|
| 01/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a checking account on XX/XX/2022 I provided everything they asked for and my account been working up until XXXX out of no where my account online was locked I couldn't login and I called to see what's going on and they won't speak to me can't tell me what is going on until I go in a local branch which is XXXX miles away not to mention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because of my age and so i am on high alert XXXX XXXX which means I can't even get up to use the rest room XXXX XXXX XXXX XXXX. I would like a simple answer as to what is going on with my account and why I'm unable to use or log in to my account.
|
| 02/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I deposited two mobile deposit checks both for under {$200.00}. I deposited a {$46.00} check and a {$140.00} check. They were drawn from XXXX XXXX XXXX cashed out from my 401k closed for leaving the company I was working for. The mobile deposit indicator did not tell me how long or why the checks would be on hold. I had some things go through which would have been covered if not for there uninformed extended two week hold on my deposits. Meanwhile Im racking up fees before I even had a chance to use the funds. They only refunded 1 overdraft fee. There are three. By the time they release the funds Ill have access to only {$10.00}.
|
| 09/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I disputed a charge for XXXX on XX/XX/XXXX they deducted the money and charged me several nsf fees which I also disputed.. they never credited my account even though ******they charged the transacts back to XXXX XXXX on XX/XX/08 ****** I was served a paper by XXXX XXXX with the charge back information.. today I spoke with a man who id himself a s a manager for bank of the west and he sd he could not help me and just wanted proof that I disputed the charge. All the calls are recorded that I disputed them they charged me for it then then charged it back to the company also trying to make me pay it twice while also charging me fees
|
| 06/22/2020 |
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
|
|
Web |
|
|
Last time when I forwarded a complaint to CFPB regarding Bank of the west or BOTW, BOTW took exactly 60 days to respond to my concerns, so this time I want to give them a heads up in the beginning.
I filed two disputed on XX/XX/2020 and I have proof of that, one charge was from XXXX XXXX for {$120.00} ( dispute amount ) and the other one {$3.00} I am just letting BOTW know about this through this platform, so later they don't come up and say that they didn't receive the disputes from me.
Because they can come up and say anything.
I am also attaching the emails I received on XX/XX/2020 from BOTW regarding my disputes.
|
| 04/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My debit card was compromised and there was 27 charges in the amount of XXXX for XXXX on XX/XX/XXXX I contacted my bank and apple on XX/XX/XXXX to report the fraud before the charges have processed. XXXX could not or would not reverse the charges, and my bank would not file a fraud report until the fraudulent charges had processed.
I filed a claim after the charges have cleared my bank, the funds remains unavailable to me and I was told it could take up to 10 days for the claim. The bank is not moving any faster on this even given the significant amount. If I didn't have an emergency fund in savings I would be in trouble.
|
| 06/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My account was hacked they informed me today. They keep deleting my password for account access. I just want charges reversed and my money mailed to me.
I have called and waited on hold hours numerous hours actually numerous times with no pick up on their end. For a bank to not answer their phones and leave people for hours on hold and then to aggravate it not answer calls for hours when it rings its just criminal what theyre pulling in this bank needs to be reprimanded at best.
Colorado Bank of the West is worst bank Ever They took my social security check to cover a hackers accessing and spending my money from XXXX ...
|
| 06/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
I opened an account with the bank of the west and had a bill payment scheduled for XX/XX/XXXX to be paid to XXXX. It was not sent/received by XXXX till XX/XX/XXXX causing a {$40.00} late charge that was waived by XXXX as a courtesy. I was also charged a $ XXXX monthly maintenance fee that has been credited every month with the exception of XXXX. I tried to call the bank to discuss the missing bill payment and was on hold 2 hours. I finally hung up. I'm closing this account and requesting a {$25.00} check reimbursed for the non disclosure of the {$25.00} maintenance fee. Also a written response sent to my home address.
|
| 01/07/2023 |
No |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Bank of the West unlawful discrimination of the XXXX XXXX of the U.S.A. ( ( 8 USC 1101 ( a ) ( 21 ) & Public Law 94-241 Section 302 ) / Internationally Protected Person ( 18 U.S. Code 112 ).
The violations are 12 CFR 1002.4 ( a ) - ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction.
( https : //www.consumerfinance.gov/rules-policy/regulations/1002/4/ ), 5th Amendment - Nor be deprived of life, liberty, or property, without due process of law, and 18 U.S. Code 112 - attack upon the liberty or if likely to endanger his liberty.
|
| 05/02/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
On XXXX XXXX, 2015 we reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX, XXXX. We were in the process of selling the property but Bank of the West would not work with us. On XXXX XXXX, 2015 we closed the sale and paid off Bank of the West. The payments totalled {$150000.00} ; however, we owed {$140000.00}, or a difference of {$15000.00}. Additionally, we were charged twice for an escrow shortage of {$2500.00} and attorneys fees and inspections of XXXX. The attorney fee and inspection were incurred before Bank of the West had accepted the XXXX, 2015 which stopped out the judicial procedure.
|
| 11/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Beginning on or about XX/XX/XXXX and continuing through XX/XX/XXXX, Bank of The West charged me {$240.00} in overdraft fees. On XX/XX/XXXX the Bank charged me {$70.00}, on XX/XX/XXXX it charged me {$140.00}, and on XX/XX/XXXX it charged me {$35.00}. I wrote to the Bank requesting a refund of the fees. I have deposited funds for all of my transactions. This is a despicable and predatory manner of charging fees. Bank of The West claims to have done away with charging fees, but it still to this day continues to take advantage of the average consumer by charging exorbitant fees, even for transactions as low as {$2.00}.
|
| 03/24/2017 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I make this check to XXXX and it was made for the amount of XXXX and and they forged and changed the name to : XXXX : and they put a new amount of {$4200.00}. I was reviewing my checking account and I noticed that a big check got paid. I call my bank manager XXXX and told him about what happen with my account and he toll me that he will look in to the matter I went to the bank near my house and toll the manager and they help me fill out a claim and this is the claim number # XXXX.
that was done in XX/XX/2017 and they have n't contacted me with any information about my money.
I cant trust this bank with my money
|
| 07/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
Paid loan off early per information provided by company. Received a letter from company thanking me for my business and even said I was due a refund due to a overpayment. This was XX/XX/2021. Yet the collection department keeps on attempting to draft payment after this and even adds late payments and reports to credit agencies that I am late. Their departments can not coordinate and my calls to the company go nowhere. They say that regardless of a letter and cashed payments from the document dept. I own several XXXX dollars and cant seem to provide any monetary breakdown to show how they come to this amount.
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Bank of The West is reporting innaccurate lates on my credit file. The lates are for XX/XX/XXXX and XX/XX/XXXX. I made my payment online & it kept giving me an error even though it said it went through. So, I called you guys to confirm, after waiting on hold for over an hour for a representative they told me they didnt see a payment & they took my payment over the phone! This is not my fault and I am not sure what is going on over there, I gave all my personal info for the payment to your representative, why wasnt it set up? Were they working from home & now they have my info? Please remove this late.
|
| 11/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Received a letter dated XX/XX/2018 offering a settlement on a debt for alleged over draft fees for a closed bank account. No notice of right to dispute on front or back of the letter. In addition has falsely reported the debt to XXXX as a delinquent credit account as well as that I have disputed the debt. The statement specifically states " the consumer disputes after resolution. '' This is direct violation of the FCRA as this is NOT a credit transaction and should not be on XXXX or any other bureau. I also have NEVER issued and dispute to the bureaus or The XXXX XXXX XXXX since receiving this letter.
|
| 08/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a travel trailer private party. The previous owners had an outstanding balance on a loan for the travel trailer with Bank of the West. We paid that off directly to Bank of the West in person with a cashiers check referencing the loan account number as part of the sales process. Once we finished, the bank was not able to produce a title and now are stating that it may be as long as 3 weeks for us to receive a title. We are not able to register the trailer for legal road travel without a title as a private party. The title for private sales a critical legal document that they are holding.
|
| 07/19/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Earlier this XXXX, I saw a promotion offered by Bank of the West. They suggested if I go bank with them, namely by opening a checking account and complete some requirements, I would get a bonus of up to {$150.00}. Please see attached " offer detail.jpg ''. I thought it was good deal and applied for it right away. According to the offer term, I had to complete 10 debit card transactions in following two months. The {$50.00} bonus would be paid by XX/XX/XXXX. I have completed their 10 debit card transactions requirement by XX/XX/XXXX. Bank of the West, however, does n't honor this bonus as of today.
|
| 12/23/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
I was charged unauthorized transaction and money was taken from my account and my account was closed due to this and a check that I never received money on XXXX XX/XX/2021 {$180.00}, XX/XX/2021 {$220.00}, XX/XX/2021 $ XXXX $ XXXX {$230.00}, XX/XX/2021 {$270.00}, XX/XX/2021 {$270.00}, XX/XX/2021 {$300.00}, XX/XX/2021 {$440.00}, XX/XX/2021 {$480.00}.
And check that was cashed but I never saw any of that money and also I told the bank I was scammed with that check I also went to file a complaint at police department for it that was XX/XX/2021 and the check was deposited on XX/XX/2021 of {$3400.00}
|
| 08/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I applied for a bank of the west platinum credit card based on promotions I received and saw online ( 6 months no interest on purchases ). I received some other promotion ( 15 months no interest on balance transfers ), but this change was not disclosed to me. I inquired about the promotion and the company took a long time to respond and I incurred hundred of dollars in interest waiting for their response. Nowhere on the account, settings, or statements were the promotions listed or identified. When I called they said they absolutely would not reduce the interest charge under any circumstances.
|
| 01/04/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
During financial hard times my Bank of the West account got low and I was charged multiple overdraft fees. I submitted a leadership of instrument to the bank in order to settle the account. I received no notice of this owner from the bank and by their non-response by assumption is that the negotiable instrument was excepted value but the bank never provided valuable consideration for the transfer. I have made numerous request in writing to provide answers to the questions that I am dealing with and bank of the west has provided no written response or answers or remedies to the problem at hand.
|
| 06/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with convenience check
|
|
Web |
Older American, Servicemember |
|
Good morning, I have requested a copy of a convenience check wrote from bank of the west. It is a balance transfer check. The check was cashed. I need a copy of the check for litigation.. Bank of the west states they can not find a copy of the cancelled check. If he bank can not provide me a copy of the check the charge should be cancelled?
I need your help to get a copy of the check. the check was cashed XX/XX/2022. bank of the west states they can not help me.
We are unable to locate check # XXXX for {$1200.00} on your account.
This can not be true. Can you help me resolve this problem?
|
| 06/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Bank of the West, XXXX XXXX is misapplying my monthly payments on a fixed installment loan with no payoff penalty. Our obligatory payment is {$430.00} - we have paid each month since XX/XX/2019 {$600.00} on autopay. Some months exorbitant amounts of our {$600.00} payment go to interest, others to the principal. This is wrong. Of the {$430.00} amount, a certain % of that amount should be going to principal, the remaining % to interest. Anything in excess of the {$430.00} should all be getting applied to the principal. This isn't happening. Please see the attachment I've included proving this.
|
| 05/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I finance my new RV for {$16000.00} for 12 years with and interest rate of 6.75 % from bank of the west. I enroll in automatic payments of {$300.00} a month, with the first payment on XX/XX/2019. The bank has modified my payment to every other month to maintain the loan term. I have paid {$340.00} in interest this year alone. My goal was to pay the loan off quicker and to reduce the interest. The bank refuse to give me a amortization schedule for the loan and also refuse to give me access the a statements.The banks website makes it impossible to pay more than the minimum due automatically.
|
| 06/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I just received a response from Bank of the West regarding my previous dispute their response to me was they returned the debt back to the bank and i am to contact them to work out a payment resolution thru the pandemic relief act, however after the response the collection account was removed from my account and Bank of The West reported the same credit card twice on my XXXX XXXX with the original opened and closed date and then again with the closed date and the dollar amount is off by a few dollars so they are now violating the Fair Credit Reporting Act by reporting the same debt twice,
|
| 03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, I signed for a XXXX XXXX for my brother, XXXX XXXX. There was a car accident then the car was totaled out ( ruled by the insurance company ) and completely paid in full and in GOOD STANDING due to the XXXX insurance.
Bank of The West has been refusing to remove this from my account for months even though this situation has been resolved for years. I have proof that it is correct on my brothers credit, but they are refusing to update on my credit. I want it remedied immediately because it is causing issues with me getting future lines of credit for anything my family needs. XXXX
|
| 01/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I applied for a job through a company that was false. The job was set up for me to work at home and they would mail me funds. I contacted the XXXX Attorney in Colorado and found out after I had cashed the check that these are false businesses made to get you to spend your money on their businesses. My bank charged me a {$15.00} fee even though I went to them on Monday after I had deposited the check on Saturday and they still charged me the fees even though I explained that this was a fraudulent business. Then they bounced a check and charged me XXXX because I was short about {$6.00}.
|
| 12/22/2022 |
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
|
|
Web |
|
|
The bank I am complaining about is the Bank of the West. I started a balance transfer which has very high interest and fees to another credit card account with an amount of {$3900.00}.
I was promised by the bank that the transfer will take XXXX weeks to be completed ; however, it has been over XXXX weeks and the bank is not responding to my disputes, emails, phone calls, online massaging. The bank also didn't refund the check, fees, and interest associated with the transaction. What is making things bad is that I am not able to reach out to anyone from the bank to resolve the issue.
|
| 03/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
In XXXX of last year, I received a Checking and Savings Bonus offer from Bank of the West. I opened a Premier checking account on XX/XX/XXXX with a {$5.00} deposit. I then deposited over {$15000.00} dollars by the end of XXXX and maintained that balance for 3 consecutive calendar months ( XXXX XXXX XXXX ), as the offer stated that I needed to do. I have enclosed my bank transactions, from opening to current. I have otherwise met all the requirements to receive the {$500.00} bonus advertised. The offer states that the bonus would be deposited by XX/XX/XXXX. XXXX, and it has not been.
|
| 01/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Bank of the West : On XX/XX/2022 I was charged XXXX overdraft fees for transactions that did not overdraft my account.
On XX/XX/2022 I was charged 2 overdrafts that did not overdraft my account.
On previse dates I was charged overdrafts and fees that did not overdraft my account.
I tried to resolve this with them over the phone and in-person with the bank manager and I was told that there was nothing that they could do, but that it was " Just their System ''. The Bank Manager said she could see exactly what I was talking about as it was simple math, but could not do anything.
|
| 04/01/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I have a HELOC with Bank of the West and have been unable to repay the HELOC due to an inability to transfer funds from an external bank account to Bank of the West. The external transfer process on Bank of the West 's website is completely blank. There is no ability to even try to initiate a transfer. Without this ability, I'm unable to paydown my HELOC and am incurring interest that I should not be responsible for as it's due to a failure by the bank to enable a paydown.
I tried calling the bank on XX/XX/22 and was stuck on hold for over 2 hours with no response from the bank.
|
| 05/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I responded to an advertisement that Bank of the West was to give totally free checking. I received several fee related charges like NSF, Transfer Fees, any Fee, didnt have something fee, too much this fee, so they closed the account and it wasnt over drafted from missing money, just all fees, then closed the account. It left me with a very bad mark with XXXX reporting agency. My XXXX report is trashed, all because of a free account. I also went to the hospital for 120 days for XXXX XXXX. ( XXXX can prove this ) Ill pass on California anything! Can I get help anywhere? Please?!
|
| 03/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/2021 I submitted a full credit application for the purpose of a boat loan with Essex Credit a division of Bank of the West. Received one automated email within minutes requesting a NADA valuation of the boat which I immediately submitted. I have called this company for three consecutive days and no one answers the phone, instead once making selections from the automated menu it states there's problems with the system try again later and a disconnection. I fear this company is collecting information from consumers for some nefarious purpose as banks answer their phone.
|
| 03/30/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
During the loan origination process I requested the due date to be XXXX of each month. The loan documents were drawn and the date was set for the XXXX, however I was assured the due date would be changed. The date was not changed and starting on the XXXX of every month I receive numerous calls about being past due. I have requested the date be changed as promised but have been told the account is past due therefore it can't be completed. This is just a method to be able to access a late fee in the amount of XXXX. I want the due date change as promised and all late fees waived.
|
| 07/18/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I have close a life insurance which was taken our of my account automatically. I called the company and they say it willi be cancell. Then I did n't have funding for it. I called bank of the west XXXX number and they tell me they ca n't do anything about it so i have to call bank of the west here on XXXX. So I called and the Lady and we and says she will take care of it and my account will be close. I refuse to pay a life insurance of {$6.00} and bank of the west keep on charging me everyday that I have no money to pay. I dont feel its right to treat poor people like that.
|
| 04/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Bank of the West is sending offers to consumers and honoring them. After opening two accounts with XXXX they are refusing to honor their offer. I first contacted them by phone on XX/XX/2022 and was told by customer support they couldn't help me and I should visit a branch. After visiting a branch the same day I got the same answer. At that point I opened a XXXX complaint. After two months of Bank of the West has yet to contact me even after sending them multiple messages via XXXX and visit a branch for a second time. They keep saying the same lies over and over again.
|
| 01/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American, Servicemember |
|
Bank of the West XXXX XXXX XXXX Acct No. XXXX Payed off XX/XX/2021 Amount overpaid {$460.00}, XX/XX/2021 XX/XX/2021, Personally visited bank. Confirmed address and were told a check would be sent.
XX/XX/2021 Via phone confirmed check was mailed. Address they used was in question so we were told that they would reissue check.
XX/XX/2021, XX/XX/2021 and XX/XX/2021. Confirmed details said they would mail.
XX/XX/2021, called again seems the results are always the same. Address was wrong AGAIN, and we confirmed address once again.
We still have not received the money.
|
| 04/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I had a dispute with " bank of the Bank '' on one of their credit card transactions which they were not resolving. I always paid my card on time and took great care of my Credit card, in return as a revenge because I took them to the court they closed my Credit card. ( Please see attached letter I received from them ).
In this country if you will take a credit card to Court you will end up getting your credit card closed. This is such a cheap Credit card company and Bank, I never expected this out from them. I am really surprised, how can they do this with me?
|
| 04/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid of this loan a long time ago and did not receive my title, due to an address issue. I have called numerous times to request the pay of documentation so that I can request a new title and am consistently told that this is an issue they often have and that the rep 'will try ' to get me what I need, but I never get any documentation or follow up! I am so frustrated! I just need proper documentation showing this loan is paid off so I can get a copy of my vehicle title. This is ridiculous that it has literally been over a year and I can not get what I need.
|
| 11/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have an auto loan with Bank of the West. In order to pay extra on my principal, I obtained envelopes from them that are addressed " BANK OF THE WEST, LOAN SERVICING-PRINCIPAL PAYMENT ''. On several occasions, my additional payment for principal only has had interest charged on it. They always correct it, when I contact them. However, I believe this is a practice of theirs, in which they do n't expect the borrower to catch them. I have made approximately 15 extra payments since I obtained the loan a year ago. Of those 15, about 8 have had interest charged.
|
| 11/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened a new account on XX/XX/XXXX, but I wasn't able to use the online banking or their app. It says I need to call customer service to verify my identity, and I did - the wait time was long and kept dropping my call.
So I went to a branch to verify myself, the employee tried to call their support, but it says the online option I have is waiting, and it'll take about 2-3 days.
So I went home and wait for about a week, I called them again, they said I need to wait and never fix my account.
As of now, it's just showing my online access is locked.
|
| 05/07/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
On XX/XX/2018, I did an Wire transfer from the US to XXXX.
The transfer was for XXXX $ and I bought EUR at the bank.
The problem and I realize it afterwards is that the Excahnge rate offered by the Bank ( Bank of the West ) was far away for the spot FxRate ( 1.20 vs 1.16 ).
The bank was not able to to explain me such a gap ( 0.04 cts ) that represents XXXX USD in the total transaction.
I have contacted several times the bank to obtain not even a reimbursement but at least some explanations on this discrepancy and they were not able to explain me.
|
| 11/18/2022 |
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
|
|
Web |
|
|
XXXX XXXX The Bank of the West has been charging my account {$70.00} USD per transaction for insufficient funds fees. I don't have any such agreement and I believe this is unfair debt collection practices. They have already been told to stop charging extended overdraft fees also. Because the Bank had a merger and I feel like they are trying force me to close my account. I was charged due to a banker errors, but instead of fixing it, they reported me to XXXX XXXX. I want them to be fined for everyone they are taking advantage of during the recession.
|
| 05/04/2016 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Hello. I paid off a car loan that I had with Bank of the West. They sent me a " Certificate of Title, '' and told me in a letter with the title, to take it to a titling agency to release the Bank of the West lien. I called a couple of titling agencies who said they do not do that. I then called my LegalShield lawyer service who said I must take it to the DMV to update the title, but that Bank of the West is shirking their responsibility in making the customer take this step. ( I did not have to take this step when I paid off my first car loan. )
|
| 03/07/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
This is the third time that I filed this complaint against Bank of The West they keep closing this case but they still haven't refunded my money XXXX Dollars from the wire transfer I don't know why they are allowed to do it this, I've been trying for more than three months and still no resolution this is the complaint XXXX this company should be a shame to put their customers thru this, every time that I call the person handling this case XXXX XXXX can't give me an answer and like I said this have been going on for more then three Month 's.
|
| 02/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
This is the 3rd complaint Ive had to make trying I get my money from my account. I paid off the overdrafted money that was due to a check that I cashed for my sister that was returned for different name than account holder. Not a fraudulent check just a different name. My account was locked and I had deposited {$2000.00} which minus the overdraft would have left {$1700.00} and I have been needing my money. Im behind on rent and bills due to this, Id id known this is what was going to happen I wouldnt have cashed my check through this bank.
|
| 03/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
XX/XX/2019 - An account fraudulently opened by someone who used my identity with Bank of the West.
XXXX - XXXX - Several communications between me and the bank of the west branch as well as customer support center to clarify that I did not open an account.
- Bank of the West team telling me they are unable to close this account.
- Now I am getting repeated notification from the back indicating they are deducting charges for maintenance and paper statement of the account from the balance that was fraudulently used to create the account.
|
| 06/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I opened Bank of the West platinum Master credit card # XXXX XXXX XXXX XXXX with XXXX XXXX XXXX ( VP ) XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ) his email is : XXXX.
I closed the credit card on XX/XX/XXXX and since I have a credit of {$220.00}, XXXX XXXX XXXX has promised me many times that I will receive the check of {$220.00}, but today ( XX/XX/XXXX ) I have NOT yet received the check.
For last 2 months, I have come in and talked to XXXX XXXX XXXX and other people at Bankofthewest many times but they continue delay the check.
|
| 04/29/2016 |
No |
|
- Payment to acct not credited
|
|
Web |
|
|
we keep getting charges for a mothly automatic payment that we make from our checking acount on XXXX XXXX to a saving account in Bank of the West that is being used from this bank for payment to a line of credit loan with the same bank.
We are being charge for " not sufficient funds '' even though wehave proof that a payment had been made on time from XXXX XXXX to Bank of the West.
We have tried to resolved this both via telephone and in person but are being told to wait and have not had these charges reversed. It has been seven days.
|
| 10/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
After reviewing my credit file I notice XXXX accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec 623 this is an illegal practice and they should know this can not be done. Reporting both items with a balance has help destroy my credit worthiness and it 's a violation.
|
| 03/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I had made a mobile deposit using the Bank of the West App. The deposit was a money order for {$210.00}. I was informed by the Bank of the west contact center the first {$200.00} of the deposit would be available per the banks Any deposit checking account guide I was treated very rudely over the phone by the contact center. The contact center referred my call the the Branch in XXXX stating they would be the ones to fix the bank error. The branch refused and asked me why I would open a bank account with XXXX being so far from XXXX?
|
| 01/06/2023 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
My account was frozen with no notice or warning. The branch had no explanation and guidance on what to do. I called customer service and they said to go into the branch, I was told corporate would contact me which NO ONE HAS. My money is in there and I am UNABLE to pay my bills to this moment. I was told it would be closed again with no notice from them. Ive only conducted a few small XXXX transactions to family or friends. It is a new account and again no notice of such thing. I am unable to withdraw my money and pay my dues.
|
| 09/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Loan amount of $ XXXX ( +/- ) was funded XXXX. Amount included Title, Tax and Registration fees. Dealer collected fees as well and submitted paperwork to the County while Bank of the West has made no effort to release remaining funds needed to issue plates.
The Temp plates issued upon purchase on XX/XX/XXXX expired after 30 days. Numerous attempts to have BofW release the funds have gone unanswered. I supplied BofW with a statement from the XXXX detailing the remaining amount due to register the Class A Coach ( Motorhome ).
|
| 05/22/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Covid 19 CARES Act clearly states mortgage servicers are required to provide 180 days mortgage payment relief and another 180 days mortgage payment relief upon request without penalty or accrued interest. On XX/XX/2020 requested mortgage payment relief for 180 days. On XXXX BOTW confirmed their offer of 90 day forbearance mortgage payment relief with balloon payment due at the end of the 90 day period. On XX/XX/2020 requested 180 days minimum with 1 year payment relief without penalty, interest accruement or balloon payment.
|
| 08/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
XX/XX/2019 : Received a preapproved credit card offer in the mail. Upon going online to accept the card, I was asked to enter some 'identifying ' information. Upon submission, I was told I'd hear back in 7-10 days for the status of my submission. I called customer service at the toll free number, they told me they only do a soft CB pull and then do a hard pull after to see if I'm approved! IT IS MY UNDERSTANDING YOU CAN NOT SEND A PRE-APPROVAL AND THEN WORK THE CUSTOMER AS AN APPLICATION SUBJECT TO APPROVAL! BAIT AND SWITCH.
|
| 02/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
My bank here in XXXX, Ok charged me a XXXX fee for funds transfer to bank of the west. When bank of the west received the funds transfer they charged me a XXXX fee. I tol+++++++++++++++++++++++++++++++++++++++++dbank of the west to close my account and they told me they could not close it. If I send another funds transfer my bank will charge me another XXXX fee and bank of the west will charge me another XXXX fee. I just want this bull XXXX account with bank of the west closed. WITHOUT reporting to XXXX or ruining my credit
|
| 02/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I took out a loan on XX/XX/XXXX for the amount of $ XXXX on a RV we needed, at a rate of 6.75 %. Today, XX/XX/XXXX, we still owe $ XXXX, after making monthly payments of {$360.00}. Looking back at the monthly payments, it was sporadically designed at $ XXXX {$130.00} to the principle and over {$220.00} as interest payments. There is no online option to better selected the principle down as opposed to the interest. After 3 years of timely payments, at still owning roughly the same amount of the original loan is disturbing.
|
| 11/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Older American, Servicemember |
|
Have a checking and savings account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I subscribed to a trial - 30 day- XXXX + XXXX. I cancelled before the 30 days. XXXX debited my account for XXXX in XXXX then the charge disappeared. Then I was charged again. XXXX XXXX said they filed an escalated complaint. both tooj my dispute said I was to get affidavit in mail. never arrived. went into local branch XX/XX/XXXX. filled out affidavit. received letter today. botw is denying it. went back to branch. they still will not refundm
|
| 08/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
In XXXX someone opened an account at Bank of the West using my personal information. I did not open this account. I have had no knowledge of this account. I did not give anyone permission to use my personal information. The amount owing on this account is XXXX My Personal information was used to open a credit card account with XXXX XXXX in XXXX. The amount owing on that account is XXXX My personal information was used to obtain cable television service through XXXX XXXX in XXXX. The amount owing on that account is XXXX
|
| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2021 BankOfTheWest reported a late payment for XXXX! This is has caused me financial harm. BankOfTheWest has failed to process my payment by incorrectly entering my bank account Information, which caused a payment to fail. I was transferred many times with no resolution, only false hope being told that I would get a response on XX/XX/XXXX and that has now passed Im demanding BankOfTheWest to removed asap! Or legal action will be taken! My account is current and up to date for 1-2 years and no late payments!
|
| 09/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Servicemember |
|
Bank of the West started to charge my business account for monthly account fees without notice. The first time I found out about this is when my credit report showed a collection account for the 2 accounts for amounts of {$100.00} each in early XXXX. I reached out to Bank of the West whom confirmed that they removed all fee waivers in XXXX of 2020 and upped the charge from {$10.00} a month to {$25.00}. I was never notified and they had my correct phone number on hand and should have called to inform me at any time.
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft BK WEST Account Number : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft BK WEST Account Number : XXXX This is not mine.
5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
|
| 01/16/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
A company that poses as a collection company calling me that I owe them money using information of my address XX/XX/2007? and a bank that I used in that year BANK OF THE WEST. They claimed that I had a credit card from that bank and owed money from that bank?? I never did because I just got out of chapter XXXX in that year I had not lived there since then? They can not provide any other information but keeps changing their collection agency phone number and they are always XXXX PEOPLE? last phone number used XXXX
|
| 11/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
BANK OF THE WEST holds a debt of XXXX $ in my name. They have been reporting it against me as a debt by XXXX XXXX XXXX. Ive made several attempts to remedy the debt as a pay for deletion consider they never informed me of the debt in the first place FOR MONTHS. I how ever have proof of my attention to the debt and offers to settle it and they still dont reply. I waited 30days for a reply after I offered XXXX $ XXXX dollars over the amount for a deal. No reply ... just send last offer at {$160.00} yesterday
|
| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Bank of the West has incorrectly reported our loan as late in XX/XX/2019. As soon as I noticed it, I contacted them, as well as XXXX to get it corrected. I have since contacted both companies 5 times over the past 8 months, to get this item changed to not showing as late, but it is still incorrect. I am not getting anywhere with either of them. I have sent documentation to both, and it is still showing as late. This is the only derogatory item on our credit report and it is impacting our report and score.
|
| 08/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
My husband deposited a check that is in both of our names on XX/XX/XXXX at the bank of the west XXXX XXXX XXXX XXXX Colorado XXXX for {$1500.00} and this bank lost our check and they are just giving us the run around of not knowing when this issue will be resolved. First they told us oh it is probably still in the ATM will now the story is they cant find it. I want the money and I want it now with out the run around. This is their fault they need to fix this. My husband has proof of depositing the check.
|
| 08/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Recently while traveling, I noticed someone filed a tax return in my name and kept my refund. I never received my refund for XXXX nor was I able to amend it. They then used my account information to try to pay an account through XXXX XXXX that was not my account with XXXX XXXX. The bank placed a hold on my account while I was using a XXXX truck so that I incurred a {$1200.00} bill with the XXXX XXXX company while my account was placed on hold. The incident happened through Bank of the West in XX/XX/XXXX.
|
| 12/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I made 3 purchases using my debit card of Bank of the west on XX/XX/XXXX, {$68000.00}, {$47000.00} and {$75000.00}. The merchant never sent the items so I opened a chargeback request with my bank, they never sent me a letter or claim number for those transactions. I requested information many times trought online banking and the answer always was " I will get an answer in 10 days '' something that never happened. I tried to contact the person in charge of my claim and never is available to take the call.
|
| 02/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/XXXX I pulled all 3 credit reports. I noticed The XXXX XXXX XXXX account on my reports. In XX/XX/XXXX, I disputed alleged account with all 3 credit bureaus. It came back as verified. On XX/XX/XXXX I received correspondence from The XXXX XXXX XXXX. ( Letter enclosed ) Prior to this letter I did not receive a dunning letter. I was also not notified within 30 days of placing negative information into my credit file. I sent a certified letter on XX/XX/XXXX asking for validation of alleged account.
|
| 07/13/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I was under the impression that I could open up a checking account with Bank of the West, especially considering they are a local branch with XXXX locations in my very city. I think its ridiculous that they do all these advertising and then deny someone with XXXX credit score. I should be granted this checking account so I can set up direct deposit through my employer and use this account for everyday use. Why would you push away a local person to bank with you? This was false advertising for me.
|
| 03/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a mortgage with a few lenders including XXXX XXXX at Bank of The West. XXXX reviewed my documents and said the loan was approved and was in processing. So I cancelled my application with the other lenders. Now just before closing XXXX terminated the loan based on my income, which he had already promised me was approved. I dont have enough time to find another lender so Im going to lose the house I was buying and {$10000.00} earnest money all because XXXX lied to win my business.
|
| 12/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
on XXXX I filed a complaint against Bank of The West.I also told them I was going to. The complaint number XXXX. As soon I did The Branch manager XXXX XXXX closed all my accounts not just the one in dispute. I had both accounts at this location for five plus years. So to punish me for standing up for my rights and forcing the bank to make the release of funds thru 4 verifications the Banker decided to punish me and closed both business accounts after banking with them for five plus years.
|
| 01/06/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I did a Wire transfer two months ago with Bank of the West for the amount of XXXX Then a few days later they call me and asked for more information to complete transfer so at that time I asked them to refund the money back since it was to much of an issue then the person that was dealing with this transfer told me that they still wanted the other person info if not they were not able to refund my money back so two weeks ago provided the information that they requested but still no refund
|
| 02/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I have gotten a letter from Bank of the West, telling me 2 months later to repay them {$200.00}, which they claim was credited to a checking account that they had already advised me to close back in XXXX of 2022. They haven't bothered informing me about the my account status, by specifically mentioning any transactions, ( still pending, or for what amount ) while I was at the bank, but waited 2 months later, to get me to pay {$200.00}. Who does that? What bank operates in this manner?
|
| 01/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a $ XXXX travel trailer in XXXX of 2021. I put $ XXXX down. Bank of the West was the lender and XXXX XXXX XXXX was the Dealership ( XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX it has now been 7 months and I still have not received my tags. I have provided everything they have requested, I have made many calls trying to get my tags but Bank of the West does nothing to finish the transaction. What is my recourse to get them to do their part to finish the transaction?
|
| 04/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
XXXX place a levy on my account that should not have occurred. Called XXXX and they lifted the Levy. My bank imposed over {$250.00} in fees related to this because it caused my account to become overdrawn. They did not act in my best interest and still are acting maliciously. Even after calling them to find a resolution they continue to impose overdraft fees even though I never signed up for overdraft. They refuse to speak to me and now their collection department is harassing me.
|
| 12/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
Previously had checking account with Bank of the West, XX/XX/XXXX-XX/XX/XXXX, overdrawn once & was charged {$5.00} a day for everyday overdrawn plus customary {$25.00}, other fees,, total of {$550.00} Now this is showing as negative/ derogatory on credit report, is such daily overdraft charges legal? Never known of another financial institution having such charges, feel these are unfair, outrageous charges, I have applied for my VA home loan benefit feel this might hinder progress
|
| 07/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX, 2016, when I open new checking account ( account # XXXX ) with BankoftheWest ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX ), the manager promised me ( he wrote a little note that 'deposit {$250.00} by XXXX XXXX, 2016 " on the promotion letter.
Note : * The banker also wrote a note that I will get {$250.00} by XXXX XXXX, 2016 if I deposit {$15000.00}.
* I also told them I got bonus last year already.
But XXXX XXXX, I still do not get bonus {$250.00}.
|
| 08/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX a thief opened up an account at Bank of the West. I recently checked my credit history and I was reportedly charged {$900.00} dollars and XXXX cents. I called the collections agency XXXX XXXX XXXX. They provided me with some information. They told me that they have an address on file in the city of XXXX California that I never lived at. I also tried calling Bank of the west to dispute this. I called XXXX to file a dispute charge on this. Please help me clear this.
|
| 05/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened an account with Bank of the West under the promotion of receiving {$250.00} after setting direct deposit from employer for {$500.00}. When I opened the account, I confirmed with the bank if I would receive the promotion and got an affirmative answer. After completing the terms of the promotion offer, when I called the bank to inquire about it, I was told that the promotion code which I used was already used by someone else and so they can not honor the promotion terms.
|
| 09/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
The bank of the West in XXXX Iowa notified us by writing that they were closing our account. XXXX XXXX XXXX is the one that sent the letter. My husband went in and talked to XXXX and told him that XXXX one of the tellers was supposed to take off our overdraft and apparently never did it. He told my husband that they would wave the overdraft fees if we put in {$250.00} which we did on XX/XX/XXXX. Then they proceeded to take us to collections through The Best Service Company.
|
| 11/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I opened a Bank of the the West account. The account came with a promotion. The promotion was get {$100.00} for setting up a qualifying direct deposit. I have received that promotion. The other promotion was, " get {$50.00} for making XXXX debit card purchases each month for 2 months. '' I have met the terms for the {$50.00} promotion and have not received the promotion that I am entitled to. I want the {$50.00} that I am entitled to that Bank of the West has not given me.
|
| 10/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Bank of the West never sent the Title for my Boat, Motor, and Trailer after I paid off my loan. I moved and am still in contact with the people living in my old house. They have not received the documents either.
I 've contacted Bank of the West numerous times and the only thing I got from them was a UCC filing showing the debt satisfied and the lien released.
I previously had this same problem ( no Title returned ) on a car that was financed through them by a dealer.
|
| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I noticed on my credit report the company name XXXX XXXX XXXX XXXX/XXXX is reporting false information on my credit report. I never had an collection account with this company. They reporting an collection account on my credit report and causing me to have an negative account on my credit report. I sent proper documentation showing that it was a inaccurate account and I file a dispute with the credit bureau and they havent removed this false account off my credit report.
|
| 08/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Filed a fraud claim with Bank of the West on XX/XX/2021 concerning a Business Checking Account, was advised at time that if the claim could not be resolved with ( 10 ) business days that a provisional credit would be issued, called back on 10th business day only to be told that businesses do not receive provisional credits only personal accounts do, inquired as to why this policy only recognizes personal accounts and was told that " Businesses have money and can wait ''
|
| 07/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I recently opened the account on XX/XX/2019. It is not what I thought it would be, no checks, and no ATM, etc. As a XXXX person on Social Security, I was looking for a new fee account, but this is not working for me. So I want to close the account. I paid one deposit for {$25.00} and made a cell phone bill for {$25.00} making a XXXX balance, what I am afraid of they will start charging me for no money in the account and try to collect, thus I want to close this account
|
| 04/27/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
Around XX/XX/XXXX , there was a direct debit attempt from XXXX on my account but there was not sufficient amount in the account but my bank, XXXX XXXX authorised the payment and was charging interest on it unroll it accumulate to XXXX plus. I confronted the bank about it but it was then already with a debt collector, so I made the payment. This is still showing on m y credit score til l now XX/XX/XXXX and I can take any loan from the bank because of that.
|
| 05/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I receive a letter a few days ago saying I must update my information with the bank, I must contact my banker XXXX XXXX before XX/XX/2022 or the bank will close my account.
I reach my banker last week XX/XX/XXXX, he said that will send me the documents to sign trough docu sign, since that date I been calling him everyday and sending emails to ask when He will send it. Until today im waiting to see and get the documents to sign. I dont want to have my account closed.
|
| 11/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
This is pertaning to Bank of the West XXXX XXXX XXXX, XXXX ND XXXX XXXX. I reported fraud on this on XX/XX/2020 In the amount of {$940.00} Account XXXX through XXXX XXXX and now this bank has tied itself to my current savings account which is now put on hold untill I pay in full or show proof that it has been removed from my report which it needs to be because I did not open this account nor did I write checks. This is Identity theft and I want to report it as so.
|
| 04/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/XXXX there was no check return and their was never an agreement for an overdraft protection and the credit card company XXXX XXXX credit charge my account {$430.00} for service we did not ask for nor was their a bounce check in XX/XX/XXXX and there was never a bounce check and we believe bank defraud us out {$25.00} off the cost of the credit after paying the claim for overdraft that they mistakenly applied to the credit card to occur fees and interest.
|
| 05/17/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
After paying off the payoff on my loan Bank of the West send me another payment book for 11 payments. I tried dealing with this company about the total amount of my pay off without no regards they have not given me an answer just give me the runaround on the phone over and over and over and over again very stressful dealing with their customer service I filed a complaint with XXXX XXXX XXXX number XXXX the West never replied all I want is the title to my vehicle
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
There is an entry into my experian credit report from Bank of the West showing a charge off and a balance owed of XXXX which is completely wrong. When I called the bank they agreed that I had paid this account in full and owe them nothing which I have a confirmed letter stating the same however I have not been able to get corrected on the XXXX credit report and it is lowering my credit score. This has been going on for XXXX months now and it is still not fixed.
|
| 02/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/XXXX, I transferred money from my bank of the west account to another bank and had the funds available. The transfer posted the next day but the bank charged a XXXX ATM fee from last statement cycle which caused me to go into overdraft. Not only I had to pay the XXXX dollar fee but had to pay XXXX on top. A bank fee should not cause overdraft fee but they refuse to help or they keep telling me I made the transfer after the fee which is not possible.
|
| 01/29/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
During early XX/XX/XXXX I signed over papers to turn my XXXX XXXX account in Bank of the West into a regularly account in my possession. This is through Bank of the West Investment services for my account. They said it would be done within a week however ever since then I have not been able to access my account. I have called almost every day with no reply. This was done with XXXX XXXX as the person who handled it however he has stopped replying to my calls.
|
| 09/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I had an account with Bank of the West but I stopped using it after I went into the XXXX XXXX in XXXX. I stopped using it completely until sometime in XXXX of XXXX where I had some type of fee. I no longer had an account to receive notifications that I had a fee of any kind or to pay it off. After sometime I received a phone call and was able to take care of it. I have tried disputing it with the Bank of the West Dispute section but I have received no word.
|
| 06/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have requested on 3 separate occasion for Bank of The West to simply send the Title for my vehicle to the Washington DMV. On all 3 occasions, I was informed they had received it and were processing it. I call back to check on the status and they then say they have no record of my request.
As such, I purchased my Vehicle In XX/XX/XXXX and have been unable to drive my vehicle for 2 months because of their ineptitude in processing a simple request for title.
|
| 11/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
|
| 11/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account with Bank of the West in XXXX, California on XX/XX/2020 with the {$250.00} new account bonus promotion. The banker and the branch manager confirmed I would be eligible for the new account bonus and I went ahead to open an account with them. I have then met all requirements per terms and conditions. However, the bonus was never posted to my account. I reached out to the banker but was told I was never eligible for the promotion.
|
| 01/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
We financed a motorhome through Essex Credit ( dba Bank of the West ) in XX/XX/2020. They financed in our tax, tags and title costs but never sent the state taxes to Virginia and never ordered our tags. We have been unable - since XX/XX/2020 - to use our RV as it is STILL not street legal because Essex Credit refuses to assist us, despite our dozens of calls that never get returned. We even filed a previous complaint with the XX/XX/XXXX to no resolution.
|
| 07/27/2020 |
No |
- 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
|
|
Web |
|
|
On XX/XX/2020 I raised an inquiry with your bank for a dispute with XXXX for {$420.00}. Just wanted to give your bank a headsup so that later you do not come and say that you did not receive the dispute because this has happened with me before. You guys take forever to solve a dispute. I paid XXXX using your credit card on XX/XX/2020.
XXXX XXXX is much faster than you. If I paid the same amount using XXXX XXXX by now I would have got my money back.
|
| 03/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I had a complaint with CFPB ID XXXX about Bank of the West.
SUBMITTED XXXX PRODUCT Money transfer, virtual currency, or money service.
Until now almost 3 months passed by already and I did not get any respond how the investigation from Bank of the West to resolve my case. I am very despair, hopeless and have financial difficulty in life now.
Please help me to get over this burden in my XXXX and recovering the loss of the money.
Thank you very much
|
| 02/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
When I opened an account on XX/XX/2020 with Bank of there was an offer for a {$250.00} bonus if the following requirements were met : Customer must make direct deposits totaling {$1000.00} or more each calendar month for three consecutive calendar months by XX/XX/2020 to the new checking account. One or more separate direct deposits in a single calendar month that add up to {$1000.00} qualify.
I met the requirements but the bonus has not been paid.
|
| 01/28/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My mother XXXX in XX/XX/1995 and she had supposedly left me some money in an account but my family will not tell me where it is and I think they are with drawing money from it. how could I find out if this is true. The last bank I remember my mother having an account at is XXXX XXXX or Bank of The West, I did go into XXXX XXXX when it was open on XXXX XXXX XXXX In XXXX Ca but they gave me a no answer but she looked untrue answer, can you help me?
|
| 07/27/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have had my business accounts closed from Bank of the West for quite some time now and imagine my surprise when I recieve a letter in the mail and several emails regarding an online platform migration as well as the new service charges that I would be assessed. I am afraid that my account information was not properly closed or that it was opened without my consent - this feels eerily similar to what happened at XXXX XXXX a couple of years ago.
|
| 11/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
They petitioned for a loan with incorrect information going as far as fabricating a job and income I did not have. Information was not correctly reviewed nor shown to me. I was unemployed and the loan was supposed to go under employed boyfriends name who is not even on the loan. I tried explaining this to the owner, but he would not work with me. I was advised to make a complaint with the federal trade commission as well as attorney general.
|
| 01/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hi I would like to give thanks ahead of time for helping resolve my problem. The issue is with Bank of the West I have send this company a letter for them to dispute the account that was opened fraudulent and I send a letter of report from identity theft, and also a police report. They have not removed it from my credit report and they send me a letter stating that the account was accurate. Please help me solve this issue with this company.
|
| 10/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I tried to pay the fees the bank charged me and I did not have access online and they gave me the run around at the branch. I called and visited the branch and I also asked the banking center manager to give me a call and he never did. my account got sent to collections, I paid the balance ad n I was sent to XXXX and reported as account abuse. I tried to explained what happened and they did not want to listen I was treated like a criminal.
|
| 06/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
I had maintained two MasterCard Cash Reward accounts with Bank of the West, but did not receive the cash rewards stipulated by either one of them : 1. {$330.00} on one account, and 2. {$6.00} on the second account. I attempted three times to redeem these rewards, first by calling the bank call number, second by visiting the XXXX XXXX branch, and the third time writing a letter to the bank, but they have failed to provide my earned rewards.
|
| 08/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
Refused to cash a check made out to nickname because according to them nickname is none-XXXX nickname while my real name is an
XXXX name in a foreign language. I provided proof with university documentation that lists both names as well as utility bill for the past year which were billed under my nickname, but they rejected documents. When asked about common nicknames, they suggest that " normal '' name variations would not be scrutinized.
|
| 02/05/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American, Servicemember |
|
my car was financed with bank of the west and i totaled my car but i took out gap insurance with the purchase with XXXX., but they want a payment history and bank of the west stated that they would fax to them so that the balance of the loan could be paid off but instead they are sending me a payment history which i already have from the checks that i sent bank of the west they are just trying to delay the process of get the loan paid off.
|
| 04/12/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
Bank Of The West Has Twice Now Refused To Send Me The Forms For Credit Card Mischarges On My Account Because They Were Charged By XXXX XXXX XXXX. The Charge Was For {$250.00} In A One Month Period Which Is XXXX My Income. I Used To Help My Neighbor With His Bills And I Found Out That XXXX XXXX XXXX And Bank Of The West Were Also Hasseling Him In The Same Regard. They Have Been A Real Head Ache All Around. I Want My Error Corrected.
|
| 08/23/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
The bank for my small business reorders transactions in order to be able to charge overdraft fees of $ XXXX- {$36.00} each. The option for 'overdraft ' protection is only offered if we go into the branch office although every other service is offered online. The fees we have incurred in the last 45 days have been approximately XXXX even though according the banks own accounting there were sufficient funds to cover the withdrawals.
|
| 07/15/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
We purchased a travel trailer from a private party. They paid off their loan with Bank of the West in XXXX XXXX, OR on XXXX XXXX. Bank of the West wrote a letter to their borrower on XXXX XXXX stating they should have their title in about 10 days. It has been 27 days since that loan was paid and we ( the buyer of the travel trailer ) still do not have the title. Totally unacceptable that we can not use something we have purchased.
|
| 12/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
One three separate occasions, the last being XX/XX/XXXX ; the bank has given less cash than the withdrawal amount. This happened in the drive through and in the bank lobby. The most recent occurrence involved a withdrawal for {$300.00} dollars and I only received {$200.00}. Because this has happened on three separate occasions and I am an elderly customer I believe the branch or an employee at the branch may be committing fraud.
|
| 04/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I applied for credit on XX/XX/XXXXXXXX to buy an RV from Bank of the west/ Essex XXXX . I had recently purchased a new home in XXXX on XXXX to which my brother and I pay half the mortgage. My loan was denied I called many days Ina row and left many voicemails for the person who was supposed to be my loan officer and never got any response on why it was denied. I also sent many emails that went unanswered as to the denial.
|
| 02/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
Charges on account that wasnt correct around {$500.00} dollars and it wasnt me. They said it was me and wouldnt give me my money or replace it. It doesnt even match my spending habits and this also happened to XXXX XXXX XXXX my niece, her aunt XXXX XXXX XXXX They keep charging late fees that I feel forced to pay and it wasnt even my charges. Please help. Thank you for your time.
XXXX XXXX The bank was Bank Of The West
|
| 12/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
we purchased a boat XXXX XXXX ago, paid all payments. during covid we were given payment extensions. loan matured we tried to get assistance to extend loan, but got run around. we told them we wanted to pay loan off, in the process they reported to the credit agency a late payment while we were continuing to pay regular payments. we paid off loan and feel this bank after XXXX XXXX is scrupulous and operates un fairly.
|
| 11/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Was scammed on the phone and internet money was deposited into my account the bank released the money to me and the scammers had me buy gift cards and send them the card information my account was hit a few weeks earlier and now they are trying to make me pay the deposit that they put into my account {$860.00} iam on XXXX and can not cope with all the damage this has caused me and my ability to provide for my mother
|
| 02/07/2017 |
No |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
When I applied for the checking account, I chose the option to fund my checking account by credit card for {$500.00}. My card was charged, and the bank claims they have not received the money from the credit card company and will not place my {$500.00} in my account. The bank will not help me find or return my money. I am really concerned about my money being " lost '' by a bank. Repeated calls have led me nowhere.
|
| 10/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2019 I filed complaint number XXXX against Bank of the West. None of the actions described in their response received XX/XX/2019 have been honored. Instead Bank of the West sent me to the collection company XXXX XXXX. XXXX XXXX is incorrectly reporting my checking account as a loan with late payments. All my attempts to contant XXXX XXXX, the BotW representative named in the reponse letter, have failed.
|
| 12/02/2021 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
This compant holds a high value trust under the instruction of a person named XXXX XXXX XXXX who is perhaps the XXXX XXXX XXXX XXXX. The acct should be in my name being that it is under my XXXX XXXX XXXXy. This man could of very well changed it by now. They accepted the transfer and has allowed this man to steal my money without checking the validity of the information from the party whose acct it is. XXXX XXXX
|
| 11/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I went to bank of the west location on XXXX XXXX, AZ. For {$1200.00} - on XX/XX/28. XXXX.
Atm took my money. Processing message on monitor for like XXXX min. Then gave me a receipt saying transaction unsuccessful- Yet kept my money.
I emailed, called bank, waited for XXXX hours. Lady named XXXX answered. She said I had to speak with claims department then disconnected call. I need this money to pay my rent.
|
| 03/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Bank required {$1000.00} in direct deposit for 3 months. {$1000.00} in direct deposits were made to the bank for 3 months. Award was meant to payout in XXXX.
XX/XX/21 : Sent message through online portal, no response.
XX/XX/21 : Called main Bank of the West line ( XXXX ), transferred to local bank, who said they will " look into it '' and send an email the following day, received no further communication.
|
| 04/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Servicemember |
|
Fees from XXXX and XXXX keeps getting withdraw from my account without authoization. Have contacted XXXX and XXXX regarding unauthorized charges. Filed disputes with Bank of West multiple times. Contact Bank of West regarding overdraft fees that has been charged to account. Bank or merchant still havent credited my account causing my account to be negative and unable to pay bills or take care of dependent.
|
| 07/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On multiple dates ( over 5 ) my paycheck was held for 7 or more days, after contacting the Bank I was told they would look into it, and that no fees would result from this. But nothing has be resolved and I have now received over {$500.00} in fees because of autopay bills. Now I can't get ahold of the corporate office and people at my local branch just tell me they will look into it but never call me back.
|
| 04/06/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX BANK OF THE WEST CHECKING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Re : Account Number XXXX
|
| 02/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I recently cashed a check for my sister which ended up bouncing causing my account to go negative after I already gave her the funds. I deposited money, well enough to pay back the negative funds and then bank of the west locks my account. I call and they tell me to go to a branch and the branch says I need to call. So now I'm stuck with my money in a bank that apparently doesn't know what to do with me.
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
these acoounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft BK WEST Account Number : XXXX This is not mine.
4. Identity Theft XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 07/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
In XXXX I deposit cashier check ( XXXX ) in the BANK OF THE WEST in XXXX XXXX by XXXX ( MANAGER ).
I have the receipt is done in XXXXXXXX XXXX.
Today XXXX The money is not my account.
I don't receive the check back.
I don't receive the money back.
I send XXXX email I send XXXX fax and I go in person to the Bank.
I need your help to recover my Money.
Thank You XXXX XXXX cell # XXXX XXXX XXXX
|
| 01/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
i mad a debit transaction and a deposit on the same day. the bank debited the account first then applied the deposit the following day, resulting in an overdraft fee, which they refuse to waive. i have an atm receipt that hows the current and available balance being more than the sum of the debits and deposits being more than zero when i made the deposit, implying that funds were available immediately.
|
| 01/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX XXXX XXXX XXXX XXXX started reporting to all 3 credit bureaus that I owe them {$690.00}. I have no contract with this company. XXXX XXXX purchased my personal information from Bank Of The West Checking OR without my knowledge or permission. They are in violation of 15 usc 1692 and 15 usc 1681. Further more on the collection it states that it was {$630.00} and as of now it is {$690.00}.
|
| 10/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I was supposed to receive an account opening bonus for opening a new account and meeting certain requirements. I have met all the terms of the offer and completed all the requirements but the bank is denying me the bonus. I have contacted customer service through e-mail, phone and also the branch but no one is willing to help. I also reached out to their social media team but never heard back.
|
| 05/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Bank of The West refused to close my account even though on the last CFPB complaint they stated it was closed as of XX/XX/XXXX. I will be uploading their response for proof. As of today XX/XX/2021 there has been several ACH payments which have put that account in negative balance. These ACH payments should have never went through if the account was closed like I was told it was on XX/XX/2021.
|
| 02/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Since XX/XX/XXXX I have accrued XXXX $ in overdraft fees due to a low balance. My balance was low because I am self employed and contracted XXXX, I have had to reschedule all of my jobs once I tested negative which was on XX/XX/XXXX. I asked bank of the west if they could reverse my overdraft fees for this reason and they said they allow reversal for one overdraft fee per year and I used it.
|
| 02/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Every time I try to transfer money to my other bank account which is linked to my Bank Of The West account I receive a error that I can't identified. This has been happening since I filled the first claim against them. Today I tried sending my daughter {$50.00} because she is out of state and is in need of the money today. I have been on hold for 3 hours waiting to have this issue resolved.
|
| 03/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Bank refused to deposit my check for XXXX as I wrote XXXX XXXX and no instead of XXXX XXXX and no. This led to having them have to mail the mail the check back to me, as there is not a Bank of the West in my state. This is the account associated with my RV loan. I I meant XXXX I would have written XXXX and XXXX/XXXX. It's very petty and puts Mt account at risk of over draw on my RV payment.
|
| 02/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I received an email from my bank ( Bank of the west ) asking if a specific transaction was made by me or is fraud ok XX/XX/XXXX, I press " No, I do not recognize these transacions '' and I called the bank to lock the card and open a dispute.
Since that day I didnt recive any notification or credit for those unauthorized transactions. By law the bank has 10 days to solve this but it didnt.
|
| 10/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
Subsequent to a complaint filed with your agency against Bank of the West, my account has been charged {$230.00} in junk fees. I have attached a copy of the running figures on account ending in XXXX. On XXXX XXXX, 2016 the account as a positive {$7.00}, then without explanation fees in the amount of {$62.00}, {$30.00}, {$70.00} and {$70.00} were charged bringing it to a negative {$210.00}.
|
| 01/15/2016 |
Yes |
- Money transfers
- International money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
I sent a {$17000.00} wire transfer on XXXX XXXX. It is an international wire going to XXXX bank in XXXX, XXXX receiver 's name XXXX XXXX. I am attaching copies of he wire transfer. The funds never reached it 's destination and my bank has n't been doing enough to trace or recall and find our where my money is floating around to. Please, if anyone can help let me hear back. Thank you.
|
| 02/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I had tried to cash a check for my sister by endorsing it to myself and it went through but bounced due to the first name being different. I had no problem with this. I tried to deposit a money order I paid for myself and had my account locked for over a week now. Unable to access my money or anything. If my account can't be unlocked then close it. I need my money for everyday life.
|
| 01/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I opened a checking account at Bank of west XXXX XXXX XXXX XXXX ca. on XXXX XXXX. Reason I opened had offer of {$600.00} if balance above {$50000.00} to end of year. Offer said had to opened before XXXX XXXX. Person told me no problem on getting money. Had over {$50000.00} balance into this year. but they refuse to give me the {$600.00} bonus. Had contacted bank with no help so far.
|
| 02/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Servicemember |
|
I was informed that through my Bank something was attempting to purchase items I did not approve of.
I was told no money would be taken out they just needed a code to submit a claim and stop payment of the purchase.
They took two payments out totaling roughly {$1700.00}. Because it was done through XXXX my Bank is not supporting me because it was done through a third party.
|
| 12/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Im opening the case again against my bank due a bad handling of a charge back request. I sent all the documents signed and information the bank requested on the times they needed. The bank said they never receive anything...
Attached goes all the documents I sent to te bank with the dates to proceed to the charge back request, something they never did it.
Old claims XXXX XXXX
|
| 04/30/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
I was quickly and thoroughly pre-approved for a 15 year mortgage on a used RV. Once I identified the RV, I submitted all information requested to complete the loan. Since then, I 've had zero communication from them despite repeated email and phone messages. As a result, I lost the RV I was pursuing and the deposit ( $ ) I placed on it. I have XXXX credit and was pre-approved.
|
| 04/25/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
in XXXX i was give 2 delayed payments which still exist and now the are threatening reposetion i made a payment on XX/XX/XXXX for the XXXX bill they called and threatened me do to the current problems and i have complained about them before and you tookcare of it and i had proven that they had been over paid and the 2 delayed payments still exist now they are saying they dont
|
| 01/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Bank of the West # XXXX is reporting an account to my credit that should no longer be on there. This is past the Statute of Limitations in California and I no longer owe this debt, I also had a class action lawsuit against Bank of the West and they should not be reporting an account to my credit report any longer. I would like this removed off of my credit report immediately.
|
| 03/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
My identity was stolen and on XX/XX/22 someone named an unauthorized withdrawal of {>= $1,000,000} and my bank, Bank of the west will not give it back to me. They were supposed to protect my money. There were no alerts sent to me when in one day {$7500.00}, {$6500.00}, {$3500.00}, {$510.00}, {$510.00}, {$510.00} and {$500.00} were fraudulently withdrawn from my account.
|
| 02/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I asked to close my checking account from bank of the west through secure message on XX/XX/XXXX XXXX PM, and received their response on XX/XX/XXXX XXXX AM.
However, now on XX/XX/XXXX, there are two charges on my account, and account not closed XX/XX/XXXX FEE {$30.00} - {XXXX XX/XX/XXXX DEBIT PREVIOUS PERIOD ACTIVITY RESULTED IN MONTHLY SERVICE CHARGE {XXXX XXXX XXXX
|
| 07/28/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Applied for business loan. As of today it 's a month since it was started. Bank staff works not full day in branch and it delays the process. Finally when all verification cleared ( after Month ) and only loan should be signed bank agent will go on 2 weeks vacation and nobody can finalize the process. My husband is out of business for that reason for more then a month.
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Bank Of The West - - {$23000.00} is reporting erroneously on my credit file. I recently checked my credit and noticed this debt. They are reporting a debt that I do not owe. This debt is really old. Not only is it past the statute but it also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed from my credit file.
|
| 01/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Bank of the West My problems is that why I file Complaint that they told me they were going closed my account XX/XX/2021 play with me back and forth and addition to that who start this login stolen my login XXXX XXXX and XXXX XXXX and trashed my credit card account and been really frustrated ......
make it look like - {$290.00} Debit play back and forth with me
|
| 03/29/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I received a letter from the Bank of the West where I have a checking account in which I typically retain a significant balance that I am going to be automatically charged a monthly " Paper Statement Fee '' of {$3.00} unless I elect to receive Online only statements. I have had this account for decades and I object to being 'coerced ' into doing business online.
|
| 01/27/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
I bought an RV in 2006 for $ XXXX. I made installment pymts of {$630.00}. for 8 years totaling $ XXXX. My husband got sick, I gave back the RV to Bank of the West. They sold it for $ XXXX. They are now suing me for interest money! They did not lose any money on the $ XXXX they loaned me in 2006. They got it all back in 8 years and now they want $ XXXX more! HELP
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is XXXX XXXX who is submitting this CFPB complaint myself. BANK OF THE WEST item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
( BANK OF THE WEST XXXX )
|
| 06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Bank Of The West is reporting an erroneous debt on my credit file. I recently checked my credit file an noticed this debt. I called and paid it immediately but they still have not updated the information on my credit report. This debt has been settled for a few months now and it is still reflecting a balance on my credit file. I need this account removed/fixed.
|
| 10/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I received an overdraft charge of {$35.00} for a transactions made on XX/XX/XXXX. But at no time on that date was my account in a negative balance.
Bank of the West has a history of manipulating account date to extract the most in overdraft fees ; in XXXX, the bank agreed to settle a class action suit for over-collecting overdrafts for {$18.00} XXXX dollars.
|
| 11/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I send a validation letter to bank of the west via certified mail asking them for validation of debt thats showing on my credit report, but they never responded back even when I know they got the letter because I got their signature on return certified mail. They are still reporting negative information on my credit report violating my rights under FCDPA.
|
| 06/17/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
XX/XX/2022 : went to bank to try to close account. They said I needed to make an appointment. I waited in lobby but nobody came to help with appointment.
XX/XX/2022 : I called twice to try to make appointment. Both times, they promised that the branch manager would call me. She has never returned my calls.
It is IRA account for more than {$800000.00}.
|
| 03/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Continued follow up to get the gross incompetent Bank of the West to delete their inaccurate and illegal credit reporting for a loan ( # XXXX ) that I paid off in XX/XX/XXXX ( SEE DOCS ) that they decided to start reporting to all three bureaus as a XXXX balance loan but has lates in XX/XX/XXXX and XX/XX/XXXXover three years after the loan was paid off.
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Bank of the West : XXXX XXXX I paid this account off almost a year ago and they are still reporting and updating my credit report with an open balance.The company is currently in violation. This needs to be fixed immediately. This has been negatively affecting my credit score over this past year. Remove this negative account off of my credit report.
|
| 05/14/2016 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Twice for the last two years I have gone into Bank of the West at XXXX XXXX XXXX, XXXX XXXX, California XXXX to claim my trust/inheritance and the same bank informed me that such an account does not exist. My account is currently inactive and sits within the above mentioned Bank of the West within its own account under my social security number.
|
| 02/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Bank of west toke {$130.00} out of my account and put that in a credit car payment with out my autorizacin I close the the credit car months ago paid the all amount but they said tha I have fee to pay And they took {$130.00} and put that in the credit card from my savings account with no notice Thank you Let me know I you can help me!!!!!!
|
| 08/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
XX/XX/XXXX ( XXXX $ ) XX/XX/XXXX ( XXXX $ ) XX/XX/XXXX ( XXXX $ ) XXXX ( XXXX $ ) In the matter of 2 weeks they hit me with all these fees no one can tell me why bank of the west hung up on me. It doesnt matter if theres money in the account or not every day I wake up and some type of new fee there. Id like a criminal investigation done
|
| 06/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Since acquiring a Bank of the West Cash Back Credit Card, I've tried to use Bank of the West 's Mobile App and their Online Site directly to pay off my credit card balance ( newly acquired ). However, each attempt gets " timed out '' and its clearly not an issue related to my internet. Thank you for your help in resolving this issue.
|
| 01/24/2019 |
Yes |
- Checking or savings account
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am recieving a persons mail at this address and can not get https : //www.bankofthewest.com/ to stop sending me mail to my new address from another person.
XXXX XXXX XXXX please help this bank stop sending mail to my address. All the informed delivery from usps is still sending this mail to my address after I request then to stop!
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account was opened due to Identity theft I contacted the bank the bank sold the debt to XXXX XXXX so I contacted XXXX XXXX to get the item removed XXXX XXXX has refused to remove from my credit report and also to produce any documents showing that I owe this debt they can't show that I owe it because I did not open this account
|
| 02/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Already i told Bank of the west about my account fraud and ask them to close my account but they still charge my return check since 4 month after my request and still charge overdraft fee and i tried three time to dispute that but still stay in my credit i am very good customer with them and i had this account more than three years
|
| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Bank of the west received payment in FULL for a balance of {$1500.00} for a charge-off XXXX years ago on XX/XX/2021. Via recorded call, I was informed that Changes would be updated on their end and submitted to all credit bureaus to show a XXXX balance by end of XXXX. Were now nearing the end of XXXX and nothing has been updated.
|
| 09/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my XXXX XXXX XXXX on XX/XX/XXXX in full. The DMV was notified on XX/XX/XXXX that the lien had been removed, however, I am not able to log into my online account and download past statements, I have not received a single copy of a statement, and I have not received any closing paperwork from the issuing bank.
|
| 01/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Bank of the West is charging me overdraft fees on the XXXX for purchases that cleared on the XXXX. Also edited the order of some other charges to maximize overdraft fees but apparently thats legal. XXXX the consumer over however you can. Thats capitalism. Should have let the banks fail. Smh. Anyhow, thats my complaint.
|
| 08/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I fulfilled all terms for a {$250.00} new account bonus. The offer states the bonus will be credited by XX/XX/2021. The bonus has not been credited. I made a demand in writing and by phone to the bank. They have so far refused to honor the offer and have so far stated they refuse to confirm or deny whether I qualify.
|
| 10/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2022 I deposited a mobile check with Bank of the west it cleared on XX/XX/XXXX. My account was closed on XX/XX/XXXX by Bank of the west and my deposit was kept and nit returned. I have tried calling the check issuer unfortunately Bank of the west has not been able to find this transaction in there system.
|
| 11/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Spoke with XXXX the Supervisor from the call center at Bank of The West XXXX XXXX An account was opened fraudulently and I need this taken care of. XXXX did not make me feel safe that this would be handled. He reiterated the importance of protecting the bank, but not me or my personal information that was stolen.
|
| 12/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
bank of the west has been reporting I owe them XXXX on my credit for months. Ive made multiple attempts to the collection agency and BOTW as well but I never get any response. They are ruining my credit and I've offered payment for delete over the amount and now the exact amount and still I've received no reply.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Ive battled this debt thats been on my credit for over 5 years. Ive never had a Bank of The West account. Police have been contacted and also request it be removed. It has been ruining business and must be removed. Ive requested proof that this is my account and of course it doesnt exist because its fraudulent
|
| 10/15/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
On XX/XX/2020, a mortgage company paid Bank of the West a {$200.00} subordination fee for our HELOC and even after calling and email, it never happened. Now trying to close the HELOC and unable to get a response from Bank of the West. Banks are only interested in opening accounts. This is not satisfactory.
|
| 02/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
LAST 4 WEEKS I HAVE PROBLEM TO USE MY BANK OF THE WEST MASTER CARD.
I TRYED TO CALL MY BANK ALMOST 15 TIMES IN 4 WEEKS.
THEY CHANGED CARD, BUT IT DOES NOT WORKING ANYWAY AND NO ONE CAN HELP ME IN BANK TO RESOLVE ISSUE.
I ALWAYS HERE SAME FROM THEM CARD IS GOOD MY BALANCE IS XXXX AND I CAN USE THATCARD.
|
| 10/26/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
Originated Loan with Bank of the West Essex Credit in XXXX XXXX CA During Application process, Loan Officer assured me the vessel would be Coast Guard documented in name of LLC of which I am 100 % owner. Now that loan has closed they refuse to do that leaving me unable to document vessel with Coast Guard
|
| 08/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
On XX/XX/XXXX and XX/XX/XXXX - I requested via secure message center to close my account. My balance was XXXX. Rather than closing the account - this Bank 's customer service representative keep on arguing how it needs to be communicated. On top of it - they charged me {$20.00} worth of over draft fees.
|
| 06/20/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I had a Second loan on my house from Bank of the West and was forced to short sell it after a divorce.
My credit report says that I claimed Bankruptcy when I did not. I did file but dismissed it before the short sale.
My first lender did not put Bankruptcy on my Credit Report but listed as dismissed.
|
| 11/26/2020 |
Yes |
- Vehicle loan or lease
- Title loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hi I have a loan with bank of the west they reported me having late payments on my account which isnt true I have auto pay on my account and they have been taking it from my bank of the west account each month on the XXXX of the month since I opened the account I have never been late with this account
|
| 12/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have a checking account with no overdraft protection selected when account was opened and yet Bank of the West charged the account {$70.00}, since " as a courtesy '' they covered 2 items on XX/XX/XXXX, which seems immoral and illegal.
The opening and closing balances were positive on that day.
|
| 11/20/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
XXXX I have report that I have been a victim of fraud/scam. But the Bank of the West and XXXX XXXX XXXX XXXX XXXX does not want to assist me. I have filed a dispute and told my bank XXXX XXXX that it is a scam that I wired transfer to a woman there in XXXX XXXX California. And A man in XXXX XXXX.
|
| 04/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I have completed 209 of 210 payments on RV loan and now being charged over 5000 in additional interest and late fees. I have requested documentation or amortization schedule as to how these fees were incurred but received no response. Recent payments were not applied to principal balance at all.
|
| 04/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have been trying to close my Bank Of The West account for over a week now. I sent messages through the app which remain unanswered. I have also called multiple times to be put on excruciatingly long hold times. I just want my account closed but I can not reach a human in order to do that.
|
| 01/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I have had accounts opened in my name with banks. One of these accounts is with Bank of the West. I called them several times last XX/XX/XXXX to notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.
|
| 06/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Last year around XX/XX/2020 Bank of the West closed my account closed my account without notifying me. There were some bank fees that were accrued and the sent that to collections, causing a negative mark on my credit report. They should have done notified me of the account getting closed.
|
| 02/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I signed up for a checking account with Bank of the West New Account Promotions of {$250.00} bonus. It has been over 5 months and I have fulfilled all the requirements. I still have not received the bonus. I have contacted bank of the west numerous times and was once put on a 5 hour wait.
|
| 02/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I received a letter dated XX/XX/2022 stating that my Bank of the West checking account, account number # XXXX would be closed effective Friday, XX/XX/2022 and that the funds in my checking account would be in the form of a cashier 's check and mailed by First-Class U.S. Mail . Thank you.
|
| 01/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I'm in the process of moving my account away from bank of the west. On XX/XX/XXXX, a payment I'd missed charged to the account taking it negative even though I have not and will never opt into overdraft protection. BotW have allowed the charge and charged a {$35.00} fee as a result.
|
| 01/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX I tried to take out XXXX dollars from my bank of the west account using a XXXX XXXX ATM. I did not receive the XXXX dollars and bank of the west said they did a dispute but they said there was no error. I never received the XXXX dollars and now neither bank will help.
|
| 08/09/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
XX/XX/2022 Tried to make a deposit for a friend and the Teller asked AND required that I give them my ID.
This will lead to Identity theft.
At Bank of the West, XXXX XXXX branch. I complained to the Manager who wished me a " good day '' Took the deposit, unaccomplished, with me.
|
| 07/28/2022 |
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
|
|
Web |
|
|
This account was closed with a XXXX balance. The credit card company just keeps charging late fee 's and missed payment fee 's to create this balance! I went into the branch and talked to the same person who opened the account, he said it's nothing that can be done at his level.
|
| 10/03/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
I been trying to settle this account for several months, I send several offers in order to settle this account, but the lender refuses to provide me with a counter offer or mentioned a percentage to settle. Please help with this burden of my back. Really appreciate your help.
|
| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Bank of the west Account ending in XXXX is showing my Account as Overdrawn when it was not and damaging my credit report. I was always current with my Account and my Account was never overdrawn. Bank should correct this mistake right away as mentioned in the file attached.
|
| 03/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Repeated statements for Checking Account opened at Bank of the West, XXXX XXXX with fraudulent ( non-existent ) person. Correct address and last name as current residents, however made up first name.
Account was likely opened without any proof of valid identification.
|
| 08/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
i reported fraudulent activities to my bank but the bank refused to investigate, My account was credited any fees owed but the bank closed my account without investigating fraudulent activities Now this bank has a debt collector posting collection accounts on my credit
|
| 06/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with convenience check
|
|
Web |
|
|
I had a balance transfer check returned as I made it payable to myself " XXXX XXXX '' and not a financial institution. No where on the offer did it state that the check had to be made payable to a financial institution. This was a promotional balance tranfer check.
|
| 07/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I am disputing the debt of a voluntary repossessed vehicle.
The company did not allow me time and notification to recover vehicle once repossessed.I never received notice of sale amount.And the Deficiency balance is extremely high not giving credit for payments made.
|
| 05/23/2020 |
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
|
|
Web |
|
|
I filed a dispute with customer service a week ago in regards toan airline ticket i purchasedfrom XXXX XXXX, they canceled the trip, i triedto resolve this with them but i couldn't, i called Bank of the west customer service, i couldn't get any resolution or refund
|
| 10/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened an account at Bank Of The West and most of my charges were fraudelent. Bank of the west returned about {$700.00} of the {$5000.00} I was owed and now says that the loss of my money was fraud and is withholding it. Please see attached of fraudulent charges
|
| 01/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
To whom it may concern, I was caught in a fraud of free shopping. I have attached a letter and evidence in the attachment, please take a look. I need your help to push the XXXX banks to cancel all the disputed transactions, and refund to me.
Regards XXXX XXXX
|
| 12/06/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Bank of the West charged a {$36.00} fee for a check paid on XX/XX/XXXX due to insufficient funds/overdraft. The account statement shows that there was enough money to cover the check, and there was money left in the account on XX/XX/XXXX after paying the check.
|
| 08/19/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
Bank of the West put my account on hold XX/XX/21 as I did an online transfer to my daughter through the XXXX XXXX. They are saying on the phone that they can't verify who I am after I answered their questions. I'm blocked from online banking with my account.
|
| 04/30/2018 |
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
|
|
Web |
|
|
On XX/XX/2018 i have received a fraudulent check from Bank of the West and the purchaser name was XXXX XXXX. I would like to report this bank that they gave me a check with insufficient money that was fraude. I would like to get my money back of {$1900.00}.
|
| 02/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Addendum to complaint XXXX As of XX/XX/22 I have now been charged a total of XXXX $ in overdraft fees. This is within ten days time. There has also been {$360.00} deposited in my account, which should have covered the initial {$120.00} my account was short
|
| 04/19/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I submitted a mobile deposit to Bank of the West on Monday XXXX to which they put a hold on the deposit. I then had a check clear but due to those funds being on hold I was charged an Overdraft fee, even though there was enough to cover the check.
|
| 05/03/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Tried to fund a trading account with XXXX, didn't go through.
Said BANK OF THE WEST-PERSONAL & SMALL BUSINESS is blocking you from enabling external applications.
Called customer service, they saw no problems, and that was the end of their help.
|
| 04/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Bank of the West has made it harder for me to obtain loans and get help in this hard time reporting false information to XXXX, and XXXX XXXX causing damage to my credit score making it even harder to provide for my family it's been very stressful.
|
| 09/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I transferred money from my IRA to my checking account both at Bank of the West. BoW failed to transfer the funds and wrongfully dishonored three checks. B o W did reverse fees but refused to compensate me for costs incurred and damages suffered.
|
| 11/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I have account under business was opened sinceXX/XX/2016 but the bank closed and ate the fund and I am surprised when I called the bank today. I never got any letter about the account being closed and how the fund is being return. It is so scary
|
| 05/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Bank will not take care of many fraud charges on several claims from out of country charges and slapped foreign fees to all of them in addition to many other unauthorized charges. I have been in the hospital and under a XXXX care not in XXXX!
|
| 11/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Received a pre-approval for a credit card from Bank of the West. Offer expieres XXXX. They are not able to find the pre-approval offer they extended to me and want me to apply. I simply want them to honor the terms of their offer.
|
| 01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Bank of the West is inaccurately reporting a balance. This mortgage was refinanced by XXXX XXXX Mortgage yet Bank of the West is still reporting a balance. Please correct and update the balance to zero with Bank of the West.
|
| 02/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I AM A VICTIM OF AN IDENTITY THEFT, BANK OF THE WEST HAS ASSIGNED THISA CCOUNT TO XXXX XXXX XXXX COLLECTION AGENCY. I HAVE NEVER HAD ANY ACCOUNTS AT BANK OF THE WEST, THIS ACCOUNT WAS OPENED FRAUDULENTLY AT BANK OF THE WEST
|
| 08/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
My account was overdrawn {$5.00} and I was charged a {$35.00} fee for everyday the account remained overdrawn. It isnt outlined clearly thats fees are assessed daily and fees being charged for having fees doesnt seem right.
|
| 09/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I called Bank of the West on XX/XX/XXXX and messaged them through their XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. As of today they have not responded to my messages and refused to close my checking account.
|
| 08/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I opened a {$50000.00} Home Equity LOC with Bank of the West in XX/XX/XXXX. I never used the account or had a balance. I requested the LOC be closed in XX/XX/XXXX and still reflects as current and open on my Credit Report.
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My bank of the west credit card was paid off and closed in XXXX 2020. Yet, I have still received late payment marks on my credit every month since. I called XXXX and they said the account had been closed as of XXXX 2020.
|
| 02/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Company violated my rights by law. By reporting an owed amount from my bank account as a credit issue then sold it to an outsource company called XXXX XXXX now its uses as a derogatory mark on my credit, which is illegal
|
| 05/31/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
my account is constantly locked my debt card was canceled and with the current times i cant go in the bank to resolve these problems i call they say to go to my local branch i cant thers a corona virus epidemic going on
|
| 10/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have a hard credit inquiry from Bank of the West on my XXXX and XXXX credit reports and I never signed anything authorizing them to run my credit.
I am seeking the removal of the inquiries from both credit bureaus.
|
| 04/02/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
I had items put through for payment, even when ny account was in negative. I have 5 overdraft fees at {$35.00} a piece. This is excessive and asinine. Due to the fees, I wont be able to pay rent and will be evicted
|
| 09/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies
|
| 06/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Today XXXX XXXX . Active hours app stated the bank will not release information. My bank is with bank of the West. All I need is for them to show Active hours I got deposited money. I need this to be resolved
|
| 12/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This account was placed with this collection agency. And I offered to pay this old debt off in full, for removal from my credit reports. This negative trade line is preventing me from obtaining a new apartment.
|
| 09/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Bank of the West did not repley back to My, E-mail. As, they thought money was returnded. " No '' money was returnded, and sign up advertisement was not honored.
XXXX 2022 account open date spans with drawl.
|
| 03/12/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American, Servicemember |
|
I received a letter from Bank of the West that says I opened an online account on XX/XX/2022 and XX/XX/2022.
I did not open any accounts with that bank.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
|
| 11/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
Dear CFPB i closed my account in XXXX with a XXXX balance..i just recieved a letter here in XXXX two months later and the bank is now requesting a closing fee of XXXX.please help me. Bank of the West XXXX CA
|
| 01/22/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I filed a complaint on XX/XX/2021 ID:XXXX-XXXX and it got closed but so far it did not got resolved they haven't refunded my money from the wire transfer so can you reopen this ticket until it gets resolve
|
| 04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
Servicemember |
|
Contacted branches investigation departments as well as the Social security administration for protection and to report abuse, the abuse is currently still ongoing, in which has now affected my children.
|
| 10/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Bank of the west doesnt actually let you opt out of overdraft fees. They use any monthly subscriptions or set up payments to overdraft your account and charge a XXXX dollar fee. Even if you opt out
|
| 02/16/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
Failure to MOV, Fair Credit Reporting Act Request under XXXX ( XXXX ) ( XXXX ), for the items listed below within the time set forth by law ....
Bank Of The West XXXX Open Date XX/XX/2019 XXXX
|
| 09/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I made a payment on the actual XXXX day, they still reporting the payment as 30 days late when the payment is made on the actual day, it is not 30 days past due until XXXX XXXX on the XXXX day.
|
| 05/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with them.
|
| 09/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Between XXXX and XXXX, without action on our part or notice from them, bank of the west converted our free checking account to a fee based one, and this month started charging us a service fee.
|
| 10/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Got charged with three XXXX XXXX dollar fees one reversed the others stay I didn't sign up for overdraft protection they said its included they refuse too refund the rest of fees of XXXX.
|
| 05/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
Denied Access to Funds Imposed Unfair Overdraft Fees Failed to take Action when reporting Unauthorized charges, Deceptive Practices Negligable Securitization Failure to Preform Duties
|
| 01/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I deposited a check into my bank of the west account on XXXX/XXXX/2022 they told me my funds would be available at midnight on XX/XX/2022 and they are not available for withdraw
|
| 01/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This is pursuant to the initial complaint ( XXXX-XXXX ). I spoke with XXXX the regional manager for bank of the west. He is not being helpful. They still have money on hold.
|
| 11/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX in collusion with Bank of the West XXXX XXXX is reporting a debt on my credit report that is not owed. I do not have and never had an account with these XXXX.
|
| 05/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I signed up for a forbearance plan with Bank of the West and was told I would have 90 days of payment extension and now the bank is calling me saying Im missing payments.
|
| 12/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Bank of the West XXXX XXXX is showing a credit card debt from me when I have never had a credit card, or account or a contract with " Bank of the West XXXX XXXX ''!
|
| 06/21/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I had a wire transfer done to a bank in XXXX ... It has been 21 days and the money has not made it into the account.. My bank just gives me excuse after excuse ...
|
| 01/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I opened bank of the west account with no overdraft coverage I was bait and switched I have been charged over XXXX in fees they refuse too help or refund.
|
| 01/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
This loan was paid in full in 2013. Acct. # was XXXX. It was never reported as paid in full or closed. Tried to call the bank but line is always busy.
|
| 03/11/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
i am receiving offers or letters to a person who does not live at my residence using my address to correspond with this financial institution
|
| 10/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I submitted a fraud claim because there were numerous unauthorized transactions on my account and the bank refused to do anything about it.
|
| 12/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Please tell them to close my account, ive contacted them 100 times through phone support and direct message and its still open thanks!
|
| 02/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
The Bank charged me XXXX in XXXX fees on XX/XX/2021 when I had enough funds to cover all the charges. The bank has shady practices.
|
| 10/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Older American |
|
I requested to have automatic payments stopped and it didn't stop. I take back my authorization to get money from account again
|
| 07/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
ON XX/XX/2020 WE TRIED TO BUY CAR AND WAS DENIED BECAUSE OF NOT BEING IN STATE OF OK. AND XXXX FALED TO FURNISH SCORE AGAIN.
|
| 10/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
Someone obtained my information and opened a checking and savings account with my email, name, address, social security.
|
| 11/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
This bank is acting in a fraudulent manner and discriminating against peoples with disabilities. See documents enclosed.
|
| 02/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
Bankruptcy cited as one of the reasons for denial. Unable to substantiate the existence of a reference to bankruptcy.
|
| 09/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
XXXX DOES IT TAKE OT CLOSE AN ACCOUNT WITH XXXX BLANCE? I CALLED AND MESSAGED ON XXXX XXXX TO CLOSE AND STILL OPEN.
|
| 02/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
I received 4 NSF fees from Bank Of The West, I was never notified by text or email that my account was over drawn.
|
| 06/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
sent ftc claim with the police report XXXX and XXXX took is off but of course XXXX didn't b/c of their breach
|
| 11/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My account was charged 2 times for XXXX bank of the West could care less when I told them it was fraud ..
.
|
| 09/24/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I do not owe Bank of The West any money and I did not settle any debts for less than the amount owed.
|
| 02/10/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
they aren't paying my escrow taxes and I'm trying to refi no one does anything called 10 times
|
| 03/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Bank of the west locked my account without prior notice. Hope that they can unlock my account.
|
| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
I'm not sure where to begin I have nothing in particular so let 's start from level 0
|
| 07/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
No justified reason for not approving my application except discrimination
|
| 01/27/2016 |
No |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Servicemember |
|
The bank charged outrageous fees and has predatory overdraft fees.
|
| 04/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
PLEASE SEE ATTACHED AFFADAVIT AND SUPPORTING DOCUMENTS
|
| 02/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I was never Late on my Account with Bank of the west
|
| 09/21/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I RECEIVED A FRADULENT EMAIL FROM BANK OF THE WEST.
|
| 09/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Unauthorized inquiry on consumer credit report.
|
| 03/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Unauthorized inquiry/inquiries
|
| 12/16/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Confusing or missing disclosures
|
|
Web |
|
|
I want to pull from reserve
|
| 01/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Over draft fee incorrect
|
| 03/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
|
| 03/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 03/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 03/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American |
|
|
| 03/09/2023 |
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
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/05/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Phone |
|
|
|
| 03/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 02/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American, Servicemember |
|
|
| 02/14/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 02/13/2023 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
|
| 02/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 02/07/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Postal mail |
|
|
|
| 02/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 02/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 02/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/31/2023 |
No |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Servicemember |
|
|
| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
|
| 01/19/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Referral |
|
|
|
| 01/19/2023 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 01/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 01/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Postal mail |
Older American, Servicemember |
|
|
| 01/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Phone |
|
|
|
| 01/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Credit card or prepaid card
- Government benefit card
|
- Problem getting a card or closing an account
- Trouble getting, activating, or registering a card
|
|
Web |
|
|
|
| 01/06/2023 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 12/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 12/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 12/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 12/22/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 12/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
|
| 12/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
|
| 12/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Postal mail |
|
|
|
| 12/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 12/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American, Servicemember |
|
|
| 11/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 11/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Referral |
|
|
|
| 11/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 11/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 10/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
|
| 10/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
|
| 10/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 10/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 10/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Postal mail |
Older American |
|
|
| 10/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
|
| 10/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Referral |
|
|
|
| 09/29/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 09/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Referral |
|
|
|
| 09/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 09/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 09/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 09/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Problem with customer service
|
|
Web |
Servicemember |
|
|
| 09/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 09/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 08/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
Older American |
|
|
| 08/24/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 08/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 08/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 08/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 08/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
|
| 08/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
Older American |
|
|
| 08/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 08/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 07/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 07/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
|
| 07/27/2022 |
Yes |
- Credit card or prepaid card
- Government benefit card
|
- Trouble using the card
- Trouble getting information about the card
|
|
Referral |
|
|
|
| 07/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 07/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 07/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Referral |
|
|
|
| 07/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 07/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 07/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 06/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 06/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Older American |
|
|
| 06/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
Older American |
|
|
| 06/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 06/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 06/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/01/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 05/31/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Referral |
|
|
|
| 05/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 05/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American |
|
|
| 05/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 05/10/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
|
|
|
| 05/06/2022 |
No |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
|
| 05/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
Older American |
|
|
| 05/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
Servicemember |
|
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 05/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Older American, Servicemember |
|
|
| 04/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Older American |
|
|
| 04/26/2022 |
No |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 04/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 04/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
|
| 04/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 04/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 04/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
|
|
|
| 04/14/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Phone |
Older American, Servicemember |
|
|
| 04/13/2022 |
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
|
|
Postal mail |
|
|
|
| 04/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 04/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Referral |
|
|
|
| 03/30/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/24/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
|
| 03/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 03/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 03/15/2022 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 03/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 03/11/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 02/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 02/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 02/11/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
|
| 02/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American, Servicemember |
|
|
| 02/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 02/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
Older American |
|
|
| 02/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 02/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Phone |
Older American |
|
|
| 01/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American, Servicemember |
|
|
| 01/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Referral |
|
|
|
| 01/25/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Postal mail |
|
|
|
| 01/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/19/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 01/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
|
| 01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/12/2022 |
Yes |
- Checking or savings account
- Savings 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
|
|
Web |
|
|
|
| 01/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 01/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 01/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Referral |
|
|
|
| 01/05/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
|
| 01/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
Servicemember |
|
|
| 12/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 12/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 12/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 12/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 12/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 12/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 12/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 12/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 12/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/14/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 12/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 12/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American, Servicemember |
|
|
| 12/10/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
|
| 12/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 12/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
Older American |
|
|
| 12/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
|
| 11/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 11/23/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 11/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Referral |
|
|
|
| 11/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 11/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American |
|
|
| 11/10/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 11/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 11/04/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 11/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 11/02/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
|
| 10/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 10/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 10/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Phone |
|
|
|
| 10/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 10/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/19/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 10/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 10/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 10/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 10/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 09/29/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 09/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 09/24/2021 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 09/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 09/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 09/17/2021 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Phone |
|
|
|
| 09/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 09/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 09/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
|
| 09/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 08/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 08/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 08/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
|
| 08/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 08/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 08/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
|
| 08/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
|
| 08/08/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 08/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
|
| 07/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 07/28/2021 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 07/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 07/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 07/19/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 07/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 07/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Servicemember |
|
|
| 07/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 07/07/2021 |
Yes |
- Credit card or prepaid card
- Government benefit card
|
- Trouble using the card
- Trouble using the card to pay a bill
|
|
Phone |
|
|
|
| 07/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 06/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 06/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Servicemember |
|
|
| 06/16/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/14/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 06/10/2021 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 06/09/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
|
|
|
| 06/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Phone |
|
|
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/02/2021 |
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
|
|
Web |
|
|
|
| 05/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 05/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 05/19/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 05/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
|
| 05/05/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 05/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 04/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Phone |
Older American, Servicemember |
|
|
| 04/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 04/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 04/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 04/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/13/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 04/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 04/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
|
|
|
| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 04/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 04/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 04/06/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 04/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
Older American, Servicemember |
|
|
| 04/05/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 03/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 03/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 03/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
|
| 03/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 03/17/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 03/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
|
| 03/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Servicemember |
|
|
| 03/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American, Servicemember |
|
|
| 03/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Referral |
|
|
|
| 03/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/05/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
|
|
| 03/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 03/03/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 03/02/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 02/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 02/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 02/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 02/11/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/05/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 01/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 01/21/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Referral |
|
|
|
| 01/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
Older American |
|
|
| 01/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 01/12/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 01/11/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 01/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 12/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 12/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 12/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 12/16/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
|
| 12/14/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 12/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 12/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 12/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 11/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 11/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 11/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 11/19/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Postal mail |
|
|
|
| 11/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 11/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 11/16/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Referral |
|
|
|
| 11/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Referral |
|
|
|
| 11/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 11/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 11/02/2020 |
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
|
|
Web |
|
|
|
| 11/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
Older American |
|
|
| 11/02/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
|
|
|
| 10/29/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 10/28/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 10/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Referral |
|
|
|
| 10/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 10/21/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Postal mail |
Older American |
|
|
| 10/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 10/16/2020 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 10/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 10/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 10/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 10/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 10/07/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 10/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 10/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 10/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 10/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 10/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 10/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Older American |
|
|
| 10/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 09/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 09/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 09/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
Older American, Servicemember |
|
|
| 09/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 09/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
Older American |
|
|
| 09/25/2020 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
|
| 09/25/2020 |
No |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 09/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
Older American, Servicemember |
|
|
| 09/23/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 09/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 09/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 09/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Phone |
|
|
|
| 09/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 09/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Phone |
Older American |
|
|
| 09/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 09/04/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 09/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 09/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 08/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Servicemember |
|
|
| 08/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 08/20/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 08/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 08/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 08/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/31/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 07/28/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 07/26/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/22/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 07/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 07/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 07/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 07/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 07/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Referral |
|
|
|
| 07/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
|
|
|
| 07/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
Servicemember |
|
|
| 07/07/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Phone |
Servicemember |
|
|
| 07/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 07/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 07/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 07/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 07/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
Older American, Servicemember |
|
|
| 06/29/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
Older American, Servicemember |
|
|
| 06/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 06/17/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 06/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 06/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Older American |
|
|
| 05/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 05/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 05/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 05/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Referral |
|
|
|
| 05/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 05/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 05/12/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 05/08/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 05/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Phone |
Older American, Servicemember |
|
|
| 05/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 05/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 05/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 04/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 04/16/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 04/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Postal mail |
|
|
|
| 04/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 04/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
Older American |
|
|
| 04/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 04/01/2020 |
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
|
|
Web |
|
|
|
| 04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 03/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 03/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 03/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 03/19/2020 |
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
|
|
Referral |
|
|
|
| 03/18/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Phone |
|
|
|
| 03/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Phone |
|
|
|
| 03/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 03/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Referral |
|
|
|
| 03/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 03/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Postal mail |
Older American |
|
|
| 03/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/05/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Phone |
|
|
|
| 03/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 03/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/26/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
Older American |
|
|
| 02/26/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 02/25/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 02/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 02/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 02/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Phone |
Older American |
|
|
| 02/12/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 02/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 02/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
|
| 01/31/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
|
| 01/24/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/23/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 01/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
Older American |
|
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/15/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/12/2020 |
No |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 01/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 01/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 01/05/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/02/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Postal mail |
Older American, Servicemember |
|
|
| 12/23/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 12/19/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Postal mail |
|
|
|
| 12/17/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Wrong amount charged or received
|
|
Referral |
|
|
|
| 12/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 12/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 12/11/2019 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American |
|
|
| 12/07/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 12/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Servicemember |
|
|
| 12/02/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 11/29/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 11/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 11/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
Older American |
|
|
| 11/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 11/20/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/18/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 11/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 11/07/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 11/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
|
| 11/07/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Referral |
|
|
|
| 11/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 11/07/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 11/06/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Phone |
|
|
|
| 11/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 11/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 11/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Phone |
|
|
|
| 11/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 11/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 11/02/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 10/31/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Phone |
|
|
|
| 10/31/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/25/2019 |
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
|
|
Phone |
|
|
|
| 10/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 10/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 10/21/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
Older American, Servicemember |
|
|
| 10/21/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Phone |
Servicemember |
|
|
| 10/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Referral |
|
|
|
| 10/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 10/05/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 10/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 10/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 09/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Phone |
Older American, Servicemember |
|
|
| 09/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
|
| 09/20/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 09/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 09/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 09/18/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 09/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
Servicemember |
|
|
| 09/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 09/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 09/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/28/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
Servicemember |
|
|
| 08/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 08/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 08/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/22/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 08/21/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 08/21/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 08/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/20/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 08/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 07/31/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 07/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 07/29/2019 |
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
|
|
Referral |
|
|
|
| 07/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
|
| 07/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 07/24/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 07/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Phone |
|
|
|
| 07/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 07/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
|
| 07/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 07/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 07/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
Older American, Servicemember |
|
|
| 07/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 07/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 07/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Phone |
Servicemember |
|
|
| 07/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 07/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Referral |
|
|
|
| 06/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 06/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
Older American |
|
|
| 06/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/20/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 06/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 06/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 06/04/2019 |
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
|
|
Web |
|
|
|
| 06/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 06/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 06/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
Older American |
|
|
| 05/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/21/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 05/16/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 05/13/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
|
| 05/08/2019 |
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
|
|
Referral |
|
|
|
| 05/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 05/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/30/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 04/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 04/29/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Phone |
Older American |
|
|
| 04/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 04/24/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
Older American |
|
|
| 04/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 04/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
Servicemember |
|
|
| 04/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Older American |
|
|
| 04/12/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 04/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 04/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 04/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 04/07/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 03/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 03/29/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 03/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
|
| 03/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 03/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 03/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 03/21/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
Older American |
|
|
| 03/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 03/18/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 03/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 03/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Referral |
|
|
|
| 03/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Referral |
|
|
|
| 03/01/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 02/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 02/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 02/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 02/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/16/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
|
| 02/15/2019 |
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
|
|
Referral |
|
|
|
| 02/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
|
| 02/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 02/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 02/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 01/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Referral |
|
|
|
| 01/28/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 01/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 01/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 01/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Phone |
Older American |
|
|
| 01/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 01/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/09/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Referral |
|
|
|
| 12/31/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 12/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 12/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 12/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 12/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 12/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Referral |
|
|
|
| 12/12/2018 |
No |
- 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
|
|
Referral |
|
|
|
| 12/12/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/12/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Referral |
|
|
|
| 12/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
|
| 11/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
Older American |
|
|
| 11/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
|
|
|
| 11/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 11/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 11/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 10/30/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 10/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 10/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 10/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 10/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 10/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 10/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 10/09/2018 |
Yes |
|
|
|
Phone |
|
|
|
| 10/05/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 09/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 09/24/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Referral |
|
|
|
| 09/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 09/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/13/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 09/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 09/07/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 09/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 09/04/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Referral |
|
|
|
| 08/28/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 08/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/20/2018 |
No |
- 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
|
|
Referral |
|
|
|
| 08/16/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 08/14/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 08/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 08/08/2018 |
No |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 08/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 08/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 08/02/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 08/02/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 08/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 07/31/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 07/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Referral |
|
|
|
| 07/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 07/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 07/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 07/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 07/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 07/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 07/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 07/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 07/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/10/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/06/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 07/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Servicemember |
|
|
| 06/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 06/27/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 06/22/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 06/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 06/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 06/08/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 06/08/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 05/22/2018 |
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
|
|
Web |
|
|
|
| 05/22/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 05/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Phone |
|
|
|
| 05/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 05/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 05/16/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Postal mail |
|
|
|
| 05/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 05/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
|
|
|
| 05/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 05/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 05/09/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 05/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 05/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
Servicemember |
|
|
| 05/02/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Postal mail |
|
|
|
| 04/30/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/24/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/12/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 04/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 04/06/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Postal mail |
|
|
|
| 04/02/2018 |
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
|
|
Web |
|
|
|
| 03/31/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 03/29/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 03/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 03/23/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 03/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 03/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 03/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 03/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
Servicemember |
|
|
| 03/07/2018 |
Yes |
- Checking or savings account
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/02/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 02/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Servicemember |
|
|
| 02/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/16/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 02/09/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
|
| 02/07/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 02/06/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 01/26/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 01/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 01/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Fax |
|
|
|
| 01/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 01/08/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
|
| 01/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 01/04/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 01/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 01/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 12/29/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 12/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 12/27/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 12/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 12/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 12/18/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 12/18/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 12/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 12/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 12/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 12/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/01/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Postal mail |
|
|
|
| 12/01/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 11/29/2017 |
No |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 11/29/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 11/28/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Postal mail |
|
|
|
| 11/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 11/22/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 11/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 11/09/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 11/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 11/06/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/03/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 11/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
|
| 10/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Postal mail |
|
|
|
| 10/22/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
|
| 10/19/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 10/18/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 10/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Phone |
Servicemember |
|
|
| 10/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/11/2017 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Servicemember |
|
|
| 10/06/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Fax |
|
|
|
| 10/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 09/10/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
|
| 09/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/08/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 08/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Phone |
|
|
|
| 08/22/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 08/18/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 08/18/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 08/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 08/15/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 08/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/08/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 08/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Postal mail |
|
|
|
| 08/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 07/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 07/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 07/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 07/20/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 07/19/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 07/18/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 07/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 07/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 07/03/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 06/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/25/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/19/2017 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 06/16/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Money was not available when promised
|
|
Web |
|
|
|
| 06/14/2017 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 06/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/01/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 05/26/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
|
|
|
| 05/22/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/19/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Referral |
|
|
|
| 05/11/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 05/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 05/08/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 05/01/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
|
| 04/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 04/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/20/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/18/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/17/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/16/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/13/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/12/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/11/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/31/2017 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Referral |
|
|
|
| 03/21/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 03/16/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 03/16/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 03/06/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 03/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Fax |
|
|
|
| 02/28/2017 |
Yes |
|
|
|
Referral |
|
|
|
| 02/28/2017 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 02/27/2017 |
Yes |
- Bank account or service
- Savings account
|
|
|
Referral |
|
|
|
| 02/14/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 02/09/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 02/06/2017 |
Yes |
|
|
|
Referral |
|
|
|
| 02/01/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 02/01/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/31/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Fax |
|
|
|
| 01/26/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Phone |
Older American |
|
|
| 01/26/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 01/24/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/23/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 01/20/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Fax |
|
|
|
| 01/19/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/18/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/18/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 01/18/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 01/13/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 01/12/2017 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/12/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/12/2017 |
Yes |
|
- Closing/Cancelling account
|
|
Referral |
|
|
|
| 01/09/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Postal mail |
|
|
|
| 01/06/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 12/17/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 12/13/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 12/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 12/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 12/06/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 12/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 12/02/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/30/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/29/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/28/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Referral |
|
|
|
| 11/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 11/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 11/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/08/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/01/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 10/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Postal mail |
|
|
|
| 10/28/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/26/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 10/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/23/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 10/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/19/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Older American |
|
|
| 10/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/06/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 10/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/29/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/26/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 09/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Phone |
Older American |
|
|
| 09/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 09/13/2016 |
Yes |
|
|
|
Web |
|
|
|
| 09/08/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 08/30/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 08/25/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Fax |
|
|
|
| 08/17/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 08/12/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 07/27/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 07/22/2016 |
No |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 07/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 07/18/2016 |
No |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 07/15/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 07/13/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
Servicemember |
|
|
| 07/08/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 07/08/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 06/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 06/24/2016 |
No |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 06/23/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Postal mail |
|
|
|
| 06/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Older American, Servicemember |
|
|
| 06/15/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 06/14/2016 |
Yes |
|
|
|
Web |
Older American |
|
|
| 06/09/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 06/09/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Referral |
|
|
|
| 06/09/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/27/2016 |
No |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 05/24/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 05/18/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Postal mail |
Older American, Servicemember |
|
|
| 05/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 04/27/2016 |
No |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 04/13/2016 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 04/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Postal mail |
|
|
|
| 04/05/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/04/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/31/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 03/23/2016 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/22/2016 |
No |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Referral |
|
|
|
| 03/16/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 03/15/2016 |
No |
- Money transfers
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
|
| 03/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/07/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 03/07/2016 |
No |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/03/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/01/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/01/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/24/2016 |
No |
|
|
|
Web |
|
|
|
| 02/23/2016 |
No |
- Bank account or service
- Other bank product/service
|
|
|
Phone |
|
|
|
| 02/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 02/19/2016 |
No |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 02/18/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
|
| 02/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 02/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 02/16/2016 |
No |
|
|
|
Web |
|
|
|
| 02/10/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 02/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 02/04/2016 |
No |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 01/25/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/22/2016 |
No |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 01/20/2016 |
No |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 01/15/2016 |
No |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 01/14/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 01/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/07/2016 |
No |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 01/03/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 12/31/2015 |
No |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/30/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 12/29/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/24/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Fax |
|
|
|
| 12/18/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 12/16/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/12/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 12/11/2015 |
No |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 12/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 11/23/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 11/18/2015 |
No |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 11/14/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 11/10/2015 |
No |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/05/2015 |
No |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/02/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/30/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 10/29/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/27/2015 |
No |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/16/2015 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Shopping for a line of credit
|
|
Postal mail |
|
|
|
| 10/16/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 10/06/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 10/05/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 09/25/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/23/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
|
| 09/21/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 09/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 09/16/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 09/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Older American, Servicemember |
|
|
| 09/14/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 09/10/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Referral |
|
|
|
| 09/09/2015 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Fax |
|
|
|
| 09/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 09/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/28/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 08/24/2015 |
Yes |
- Bank account or service
- Savings account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 08/24/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/19/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 08/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 08/04/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 08/02/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/31/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 07/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
|
| 07/30/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/28/2015 |
Yes |
- Bank account or service
- Cashing a check without an account
|
|
|
Phone |
|
|
|
| 07/28/2015 |
Yes |
- Bank account or service
- Savings account
|
|
|
Postal mail |
Older American |
|
|
| 07/27/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/19/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|