BERKSHIRE HILLS BANCORP, INC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TO : BERKSHIRE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XX/XX/2018 Re : Acct XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I owe your company {$50.00} and This is a formal notice that your erroneous claimS are now disputed. This was originally a pre paid credit card. If anything they owe me {$500.00}, if they can prove this is mine. I never had a card with this company. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please provide me with the following : 1. PROOF OF PAYMENT AGREEMENT I MADE WITH XXXX, NOT BERKSHIRE BANK which I BERKSHIRE BANK have no knowledge of anyways. I want a wet ink signature between myself and your company, proving I owe YOU this or any debt you have in my name. 2. What the money you say I owe is for 3. Explain and show me how you calculated what you say I owe? 4. Provide me with copies of any papers that show I agreed to pay what you say I owe : 5. Provide a verification or copy of any judgment if applicable : 6. Identify the original creditor : 7. Prove the statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with you license numbers and Registered Agent 10. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you 11. Provide Me The names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof TO ME. 12. Provide the documented proof that you ever gave me notice of the charge off per FCRA LAW 623 ( A ) ( 4 ), 13. Provide the actual charge off date and as stated you must in FCRA LAW 623 ( A ) ( 5 ) A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action 14. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completenesss of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature? Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
08/09/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MA 01013	Web	Older American, Servicemember
This concerns property I have owned since XXXX. The property is in a flood zone and it has had FEMA NFIP coverage every year since. The property has had mortgages since XXXX through numerous banks as they were bought and sold : XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, and now Berkshire Bank. While I was at XXXX XXXX XXXX XXXX XXXX I took out a HELOC. I believe is it going on year 4 I continued with the same Flood Insurance and increased each year along with my Home Hazard Coverage to always cover the lenders interest as that is what I was told from XXXX XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX XXXX XXXXt also told me that both the Mortgage and HELOC would just transfer over to Berkshire Bank. That did not happen and I found out on my XXXX statement that no payments were made and Berkshire Bank was expecting not only the interest payments but a penalty besides. I visited the XXXX XXXX XXXX XXXX to find out what was going on because my checking account showed that both in XXXX and XXXX they automatically withdrew {$200.00} to not only cover the required interest but the rest was to go against the principal. I stay from XXXX to XXXX and the loan manager that was helping me became really nervous that we were going to set the alarm off if we were not out of the bank by XXXX. She finally saw that they were applying the {$200.00} to the mortgage despite the account was set up and stated it was to go against the HELOC. I asked for the checking account statement to be mailed as both the mortgage and HELOC were but I have no idea why the checking account just stopped. Well I then got a letter XX/XX/XXXX stating they did not have a copy of property insurance policy on file. I took the letter with a copy of my home owners policy for them to copy and forward to XXXX, NY. XX/XX/XXXX another letter came. This was now a FINAL NOTICE stating now the Flood Insurance was not sufficient coverage at {$110000.00} even though the outstanding principal balance of the loan was less. I made a telephone call and spoke to a XXXX at the XXXX XXXX Berkshire Bank Branch at XXXX and she confirmed I was OK because my balance was at {$110000.00} I took it as all was OK Well, XX/XX/XXXX another letter. FLOOD SECOND NOTICE. This has a paragraph for Massachusetts, and it states HELOC should be for the full value of the credit line, outstanding principal on the equity loan etc. This Property is in Rhode Island and from what I was told : Page 27 of the N.F.I.P Mandatory Purchase of Flood Insurance Guidelines also list first : To meet compliance requirements, the amount of flood insurance must at least be, but is not limited to, the lowest of : The outstanding principal balance of the loan ( s ) ; And from page 28 of the Mandatory Purchase of Flood Insurance Guidelines : A Federally Regulated Lender is not required to escrow for flood insurance unless they are escrowing for other items. I pay this bill every year in full usually in XXXX. {$1700.00} was paid XX/XX/XXXX for {$110000.00} coverage XX/XX/XXXX another letter. FLOOD PLACEMENT NOTICE Now let me say this. I am XXXX, XXXX, a female, and a 20 year XXXX veteran. I am sick that they are basically discriminating against me. No one has sent me any replies. I was told they called me from New York. However, I have caller ID and do not answer the various XXXX numbers that come in daily. There is no excuse for anyone not to have continued mailing as to exactly what was needed. The worst is yet to come as they have written even if I were to get additional insurance I will not get a full refund of what they took from my account without my written permission. Instead they state they will credit or refund any unearned premiums on a pro rata basis. This is totally wrong.
01/19/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 121XX	Web	Servicemember
On XX/XX/2021 I made a deposit of 5 separate checks in the amounts of {$9300.00}, {$7000.00}, {$12000.00}, {$2600.00}, and {$3100.00} totaling {$35000.00}. I could not go into the branch so when the teller told me that there would be a hold on the funds, I explained to her that we have been down this road and if she could just talk to her manager, or if I could talk to the manager I think we could resolve this to everyones satisfaction. She said it was not an option, I could talk to the manager but this is Federal Regulations and they have no options. Okay I left as the line behind me was wrapping around the bank. I called the next day, but it being Saturday I did not get a call back, and have not since. On Monday the XXXX those five checks cleared XXXX XXXX, yet even by Tuesday the funds were still held. By Wednesday not wanting to pay a large credit card interest bill I scheduled a payment for very late in the day. On Thursday Berkshire Bank returned the payment unpaid and charged me a fee for " bouncing '' a check. On Friday the funds were still not available, even though they had cleared the paying bank 5 days prior. Not being able to reach the bank by phone I sent an email to the website portal with my level of frustration. Today I gat a response that stated they had forwarded the message to the branch. This morning I went to the bank and asked for an appointment or if I could come and discuss this. I was told we will do this over the phone. The first women I talked to explained, once again that it was federal regulations and they have not control. I explained my history and a few of the details, primarily that if that is the case then you are in serious violation of those rules because for 11 years you have not applied them. That got me to XXXX, do not know his title. He again repeated the, " federal regulation '' and I again repeated that either they have been in breach of that or something just seriously changed. Here is the major frustrations : The deposited checks are all from the same bank, XXXX XXXX XXXX whose headquarters is about 15 minutes away. I have been making these deposits, in the some general amounts, from the same bank, into the same account, in the same time frames for 11 years at this branch, and into the same account number at a branch in Vermont for the prior 22 years. I have had previous conversation with whom I think was-is the branch manager there several times as to making sure we have this worked out. Never in those 33 years have any of these checks, drawn on only two entities have ever been returned. In fact I am not sure if I have ever bounced a check or deposited any check that has bounced. In that amount of time it must have but I can't remember it. So, it is now Tuesday, the XXXX, 11days after the deposit, and 8 days after the checks cleared the paying bank and the funds have not been credited to my account. My most major complaint is that in every case I was told these are federal regulation 's not the banks, and that is just not true. It took about 20 minutes of research between the federal reserve and your entity to establish that the Federal Government role is simply to establish how long they can hold funds, not how short they can ( past a day or two ). Which would seem pretty obvious to me as they have clearly been allowing me access to my funds in a timely manor for over 30 years. If my history is in any way disputed I can document all of it. I don't think the bank will dispute my history. Other wise I don't want to send you years of bank records documenting my deposit history.
09/27/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process Payment process	MA 01085	Web	Older American
Dear Sir/Madam, My name is XXXX XXXX XXXX XXXX My late husband 's name is XXXX XXXX XXXX and he's the one who owned this equity loan. He's gone for almost XXXX years. He pays XXXX monthly when he is still alive and when he made an accident and no longer working he made it XXXX monthly. So far, there's no problem with this. If I have extra money I gave more for the principal So far, ever since I did not encounter a problem, only this time... The last record I gave an advance payment for the principal was XX/XX/XXXX the amount of {$860.00} dollars. On XX/XX/XXXX I went to the Berkshire bank in XXXX XXXX XXXX, XXXX, MA. XXXX. From the entrance I went to the left hand side and grab XXXX loan slip and wrote down XXXX XXXX XXXX and in words, " XXXX XXXX dollars '' in numbers {$1000.00} dollars. I placed the loan slip on top of the money. and I went to the lady, XXXX and she set aside the slip and count the money by hand and put in the counting machine. After that she gave me a XXXX pages which I thought a receipt. Until I received a monthly statement dated XX/XX/XXXX till XX/XX/XXXX and how come the balance is still XXXX XXXX instead of XXXX, XXXX XXXX. I called the bank at once and went there. I spoke with XXXX and he opened his comp. and take a look and he said there's no XXXX dollars in their records and started to get nervous and upset and then left. That was Wednesday XX/XX/XXXX. And so I went in the other branch and spoke with XXXX, the manager and relate what was happened and he said he will talk to XXXX and call me. I did not get any call from them and so I went back to XXXX Monday XX/XX/XXXX I swear to God I gave XXXX dollars to the lady and her name is XXXX. Like I said, I swear to XXXX it's really true I gave to the lady XXXX dollars and she counted it and put in the counting machine. Why did she give me a " Transaction History, instead of receipt of the XXXX dollars? ". I called the Head Office number and left a message. The following day she called me and told me that the reason why I was there is to asked a transaction history. And I told her I did not go there to ask transaction history and to tell you honestly, this is my first time to see this and why will I go there to ask that, the fact that I am getting a monthly statement so I know how much I still owe. I am writing what was happened in Berkshire Bank and hopefully, you can help me to solve this problem because the XXXX XXXX dollars is already big amount for me. And I really swear to God, am a XXXX and I don't like people who take advantage and people who are dishonest. So, please help me to solve this problem. Thank you very much and have a wonderful day! Respectfully yours, XXXX XXXX XXXX This was my first letter I have submitted, but I was not here when you replied me back. I was in California to meet my family. Now, I'm back. And so I want to continue this issue. Also, I have noticed that the proof I have download is not right and this is the correct one. And hope you can help me.Thank you again! XXXX XXXX XXXX.
08/14/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MA 01085	Web	Older American
Dear Sir/Madam, My name is XXXX XXXX XXXX XXXX My late husband 's name is XXXX XXXX XXXX and he's the one who owned this equity loan. He's gone for almost 15 years. He pays XXXX monthly when he is still alive and when he made an accident and no longer working he made it XXXX monthly. So far, there's no problem with this. If I have extra money I gave more for the principal So far, ever since I did not encounter a problem, only this time... The last record I gave an advance payment for the principal was XX/XX/XXXX the amount of {$860.00} dollars. On XX/XX/XXXX I went to the Berkshire bank in XXXX XXXX XXXX, XXXX, MA. XXXX. From the entrance I went to the left hand side and grab 1 loan slip and wrote down XXXX XXXX XXXX and in words, " XXXX XXXXXXXX XXXX '' in numbers {$1000.00} dollars. I placed the loan slip on top of the money. and I went to the lady, XXXX and she set aside the slip and count the money by hand and put in the counting machine. After that she gave me a 2 pages which I thought a receipt. Until I received a monthly statement dated XX/XX/XXXX till XX/XX/XXXX and how come the balance is still XXXX XXXX instead of XXXX, XXXX XXXX. I called the bank at once and went there. I spoke with XXXX and he opened his comp. and take a look and he said there's no XXXX dollars in their records and started to get nervous and upset and then left. That was Wednesday XX/XX/XXXX. And so I went in the other branch and spoke with XXXX, the manager and relate what was happened and he said he will talk to XXXX and call me. I did not get any call from them and so I went back to XXXX Monday XX/XX/XXXX I XXXX XXXX XXXXXXXX I gave XXXX dollars to the lady and her name is XXXX. Like I said, I swear to XXXX it's really true I gave to the lady XXXX dollars and she counted it and put in the counting machine. Why did she give me a " Transaction History, instead of receipt of the XXXXXXXX XXXX? ". I called the Head Office number and left a message. The following day she called me and told me that the reason why I was there is to asked a transaction history. And I told her I did not go there to ask transaction history and to tell you honestly, this is my first time to see this and why will I go there to ask that, the fact that I am getting a monthly statement so I know how much I still owe. I am writing what was happened in Berkshire Bank and hopefully, you can help me to solve this problem because the XXXX XXXXXXXX XXXX is already big amount for me. And I really XXXX XXXX XXXXXXXX, am a XXXX and I don't like people who take advantage and people who are dishonest. So, please help me to solve this problem. Thank you very much and have a wonderful day! Respectfully yours, XXXX XXXX XXXX
08/13/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VT 057XX	Web	Servicemember
XX/XX/2017 i called berkshire bank and asked them for guidance because my mother got old and sick and im XXXX. I asked if they could help me because my moms house insurance lapsed due to her illness and i did not know what to do. They said sure no problem we take care of. that for if we can automatically withdraw your monthly mortgage payment and we will send you the information on homeowners insurance also. i set the auto withdrawal for mortgage. Couple months later i got a letter giving me a price of XXXX a quarter for insurance. Great thank you for your help at this difficult time in our lives. I will be in to pay .About a year to two years later, after mom back home and better she will live. I noticed i have been very short of my money. My bank informed me that berkshire bank had been withdrawing my mortgage and homeowners insurance. They had put me on commercial insurance about XXXX a year and it was with their own berkshire bank owned subdivision ( under another name ) insurance.. They own an insurance company so they put me there.. Im not a commercial company and never agreed to it. so they profited all the way big time for their own personal gain. When i called and told them i know what they have been doing and to stop automatic withdrawal, they refused. i paid my bank to have it stopped and during that time i became 2 months late on mortgage and they sent me lawyer fees for XXXX dollars. this is only one bad thing they have done. Next i called and asked to borrow on my equity and a man named XXXX laughed at me and said " You are a left over mortgage from when we bought the bank we would never have approved you based on your social security income age and XXXX and laughed some more and hung up XXXX it goes on and on i have an entire notebook on how my elderly mom and me her XXXX daughter have been and are still being treated 6 to 8 calls a week just for harassment all thru covid. they prey on the old and XXXX. There's lots more if your interested.
04/07/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	RI 02889	Web
On XX/XX/XXXX I made two loan payments of XXXX ( by accident ) instead of applying the extra payment to my principle balance they carried it over every month so I have been paying a month in advance for 2 years. That's two years I have been paying more interest on my loan because the extra payment was just carried over. In late XXXX of XXXX I noticed that the {$390.00} was no longer being carried over, so I called Berkshire Banks customer service line and asked to speak to someone in the loan department. XXXX XXXX returned my call and informed me that XXXX was the last month they where carrying balances over and that they where applying any over payments to the balance. ( Which that is the way it should of been all along ). So I asked XXXX where the XXXX credit that I was carrying over was, he stated that they applied my XXXX payment to the principle balance because I didn't owe any money for XXXX. So I asked him when was the credit I was carry over applied to my principle balance. And he stated it was applied in XXXX. I asked XXXX to send me confirmation of that. He sent me two print outs. 1 showing that since XX/XX/XXXX I was always paying a month in advance. ( from the extra payment I made in XX/XX/XXXX } I have never missed a payment. The other was a break down of my payments since XX/XX/XXXX- XX/XX/XXXX. Which looks like this Date Pd Amount Paid XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX On XX/XX/XXXX I spoke with XXXX XXXX and she states I am up to date and that I am no longer running a credit balance. So I no longer have a credit of $ XXXX ( XXXX overpayment from XX/XX/XXXX + a few dollars here and there that I paid extra a few times ) Yet my principle balance has not decreased by anything besides my monthly payments. Where is my XXXX?
01/12/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 770XX	Web	Older American, Servicemember
i am XXXX veteran. On limited income. i count every penny i closed on my home in XXXX XXXX after closing i filed my XXXX exemption for my home which lowered my monthly taxes by about XXXX +/- a month. The mortgage servicer ( berkshire bank ) over paid my property taxes by 2 and half times the amount due. in XX/XX/2020 they received the refund back from the county of {$2100.00} which was confirmed with XXXX who works for Berkshire bank.When we asked why these funds were not refunded back to me the buyer since there were not due and my mortgage payment adjusted XXXX stated they didn't have to they kept it in the escrow account. why does the mortgage company need to keep 2.5 times the amount due for taxes in escrow? currently there is over XXXX in my escrow account and the tax bill for all of 2020 is {$960.00}. the homeowners insurance was just paid in XXXX. they are not refunding back to me the excess in escrow as i should have a check for over XXXX on top of that my mortgage payment should be a maximum {$550.00} with the adjusted taxes and they refuse to lower it from XXXX. due to Berker shire bank refusing to refund my escrow account and lowering my mortgage payment to the appropriate amount. i have had to sell my car which the payment was only {$300.00} since the mortgage company overcharged me by over XXXX i just couldn't afford it I need help as i have perfect credit and need to live with in my budget please help me as they are stealing from me. i need my money as i barely have enough just to buy groceries. i live in XXXX XXXX XXXX district and have reached out numerous time with no response form her office either as i thought public official where there to help citizens in trouble.
06/21/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MA 010XX	Web
i deposited two checks on XX/XX/22 in the amounts of {$1900.00} and {$1200.00}. I waited until the checks 'cleared " the bank. They were in pending status until XXXX when the funds were made available to me. On XX/XX/22, I deposited a check in the amount of {$1900.00} via mobile deposit. I again waited until the funds were made available to me. These were checks mailed to me for products I sold. Since the funds were made available in my account, I spent the money. Then on XX/XX/22, these checks bounced and Berkshire Bank took the money from my account. I then made two more mobile deposits on XX/XX/22 for {$1200.00} and {$1800.00}. Again the funds were approved and made available to me. Then on XX/XX/22, the money was taken out of my account because the checks were not good. In all instances, I specifically waited until the money was made available to me prior to spending it thinking these checks were ok. When I contacted Berkshire, they told me that I should have known better not to use the money for a few days. How am I supposed to know not to spend money that is made available in my funds. What is the waiting period? This makes no sense. Once money is made available, I thought the bank made sure these checks were in good order prior to making the money available to me. Now to cover my bills, I had to move money from my savings to cover the money that Berkshire Bank made available to me, then took back. This is not right. Something needs to be done about this. I am out a lot of money and I need it back. This is not my fault that the back did not do a complete check on these funds prior to giving me the money. Any assistance you can offer me would be so much appreciated. Thank you.
09/14/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MA 01201	Web
On Sunday XX/XX/XXXX I received a text message from Berkshire Bank asking me to authorize transactions to my account. These were not me, so I quickly replied and said no. I then receive a call from Berkshire Bank asking once again to authorize the four transactions, all that I said no, I don't authorize. They closed my debit card and I thought it was settled. Today, the XXXX of XXXX, I notice all transactions were posted to my account, even though I did not authorize them. I call the bank and they tell me " well once it's authorize, all we can do is dispute it. '' even though I did NOT authorize TWO different times. So now I am out {$400.00} because the bank let these transactions get posted. My money was stolen by a hacker and now it's stolen by the bank. I am beyond livid with how this was handled. I have been a customer of this bank for nearly a decade and I feel completely robbed and unprotected. What is the point of their fraud service if they're going to take my money for the next 90 days? I'm disgusted with Berkshire Bank and their way of handling this situation. The amounts were : {$100.00}, {$73.00}, {$53.00}, {$50.00}, and {$100.00}, all to XXXX XXXX. It's obvious my account was hacked and used to purchase XXXX video games. This is {$400.00} of MY money and I want it back.
10/14/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	VT 057XX	Web	Older American
Dear Sir, I order XXXX products every month. In XX/XX/2022 I ordered products using credits I had. However, XXXX charged my checking account {$130.00}. I called them immediately and they said they would cancel the charges. They refunded my money however in the interim the money they took out of my account caused a number of my checks to bounce. The bank charged me a fee of over {$250.00}. I explained what happened and the bank said they could only refund {$110.00}. That means I have to come up with and additional {$140.00} to cover fees. XXXX has admitted that it was a mistake to charge my account. Yet the bank XXXX refused to give me a full refund. I am now unable to pay my bills this month. I have deposited over {$500.00} all ready to try to solve this problem. I am not a rich person. The bank lost nothing. Why should they make money of a stupid XXXX mistake. The bank manager XXXX XXXX. XXXX refused to help me. She was steadfast in her refusal. You understand no money was actually lost. Thank bank paid out nothing. They are happy to make money of a companies mistake. I didn't authorize the payment which normally triggers a refund of fees. However, the bank intends to make money off of me no matter what.
11/07/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NY 121XX	Web	Servicemember
I contacted Berkshire Banks Collections department to request that they contact me to work out a satisfactory solution regarding the charged off account from XX/XX/XXXX on XXXX separate occasions. o XX/XX/XXXX Told the collections team would call in the afternoon of XX/XX/XXXX. o XX/XX/XXXX Told the collections team would return the call in XXXX mins. o XX/XX/XXXX Told the collections team would call back later. Berkshire Banks Collections department refuses to accept a transfer of the phone call when asked to speak with that department. Berkshire Banks Collections department refuses to return my phone calls after stating that they will do so. The loan was charged off in XX/XX/XXXX. The balance was not reported to XXXX. After the loan was charged off, the vehicle was sold. The amount the vehicle was sold for was not reported to XXXX. The balance amount reported to XXXX in XXXX of XXXX was {$16000.00}. The balance was subsequently increased monthly until the current balance of {$18000.00}. The balance amount should never have increased once the loan was charged off in XXXX of XXXX. Berkshire Bank continues to report missed payments despite not having a payment plan in place.
10/19/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MA 01013	Web	Older American, Servicemember
Feedback provided CFPB CLOSED THIS AND THE BANK SIMPLY LIED TO US ALL XXXX STATUS Feedback provided on XX/XX/2020 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS com [ pany response clearly states MONETARY RELIEF AMOUNT of {$180.00} Today I received a check marked ESCROW AMOUNT and it was for {$70.00} They charged me for Flood insurance from XXXX to XX/XX/XXXX 6 months and did not even pay me 50 %. They were suppose to pay the full amount {$180.00} as well as the additional amount I paid out of pocket which seems to be {$230.00} as the old premium was {$1700.00} and the new premium is {$1900.00} I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS I do not understand this XXXX XXXX emailed me stating the original coverage i had prior to the forced placed policy was sufficient and the increase was something I did not need to do and I would be receiving {$180.00} as well as the amount I paid out of pocket as well THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS I can send you a copy of the check dated XXXX Number XXXX XXXX and it is for {$70.00}
07/07/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 010XX	Web
In XXXX of last year our bank, Berkshire Bank sold our mortgage to a company that services our mortgage. The " new '' company has Berkshire Bank on their letterhead and when we call them the phone is answered " Berkshire Bank ''. We have tried to go to Berkshire Bank to discuss our problem and they tell us they don't have our information and can't give us any information. Back in XXXX when our mortgage was transferred we started receiving information that said our escrow was short and they can't explain why. First they said it was homeowners insurance but we have ben paying our homeowners insurance since we purchased the house and was in full effect. Then they said it was for our real estate tax had gone up ( {$3000.00}? ). Our mortgage has always been around {$1000.00} since purchase. We then started to receive monthly statements that said our new payment was approx. {$1300.00} because our taxes went up. We have spoken to several people at the bank and they always see there is a problem and will call back. They never call back. We have done this so many times and explained this to many people and the issue still have not resolved.
03/22/2022	No	Mortgage Conventional home mortgage	Trouble during payment process	NY XXXXX	Web	Older American
My problems all started when my wife and I needed more money than we had originally borrowed on a home equity loan. We applied for the new home equity in XXXX of 2021. We originally borrowed {$40000.00}. We asked for {$55000.00} on the new one, so they closed out the one for {$40000.00} and created a new loan. Instead of closing out the home equity loan they closed out my original mortgage. They took the money from the home equity loan to pay off the home mortgage. While all this was going on they were switching the mortgage payments over to XXXX XXXX XXXX XXXX I paid my mortgage in XXXX and XXXX for {$590.00}. They closed out the account in XXXX. There was also payments made on the Home Equity loan for {$400.00} for XXXX and XXXX. I also sent the bank {$2000.00}. I was sent some documents form the XXXX, NY office of changing my interest rates on both loans to make up for their mistake. They were going to change the mortgage to 2.5 % and the home equity to 3.125 %. They were also suppose to take out my mortgage and home equity out of checking accounts with XXXX XXXX and Berkshire Bank.
02/12/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	MA 01801	Web	Servicemember
I paid my mortgage payment on XX/XX/01 in the amount of {$2000.00}, the payment was received and Berkshire Bank held the payment and did not post because of an increase in escrow. The bank made no contact with me to make me aware of the {$23.00} shortage due to the increase until XX/XX/01. I paid the {$23.00} to make the payment whole immediately electronically, Berkshire Bank had initially reported the entire payment 30 days late, theyve since reduced it it the {$23.00} delinquent and I do not agree with it to be late. Had they contacted me sooner, I would have paid it sooner and as it stands payment being made on XX/XX/XXXX with a XX/XX/XXXX due date is not over 30 days delinquent. I have had my mortgage with them for over 15 years and I think that I was late one time over ten years ago. It is a shame to have to be put through this but the negative impact to my credit is worth protecting. Ive enclosed my loan statement showing the transaction history as stated above. Thank you in advance.
01/30/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MA 01923	Web
We paid off our Mortgage on XX/XX/2020 with Berkshire Bank. The bank owed us an escrow refund. They say they sent the check on XX/XX/2020. We did not receive it. We called on or about XX/XX/XXXX to report this. They told us we had to wait 30 days from the first mailing date to request a new check. We called back on XX/XX/XXXX and they said they would issue a new check. We called back on or about XX/XX/XXXX to report we had STILL not received it. We were told the check was not issued on XX/XX/XXXX but actually XX/XX/XXXX! So now we're waiting again, as we have still not received it. It has now been nearly 90 days since we paid off the loan and we have yet to received the refund of our escrow amount. They continue to hold OUR money and appear to have no clue what is going on. They further refuse to issue us the funds by some other means ( like a bank transfer ) and insist the paper check through the mail is the only way they'll do it.
03/03/2023	Yes	Checking or savings account Savings account	Closing an account Can't close your account	CT 062XX	Web	Older American
For the past three years I have been trying to close two old bank accounts that were left to me by my mother one is a bank cd and the other is a savings account. I had received a letter from the XXXX XXXX that they were merging with Berkshire Bank but not knowing what it was for I threw it away then when my mother passed I found the books with both our names on them saying either or When I went to Berkshire Bank to claim the money they said they could not find the accounts For the past three years they have been giving me the runaround saying they placed the money with the XXXX of Ct of which there is no record I called the main branch but never received a call back It is a small amount but what if it were a large amount the bank must be accountable My bank XXXXXXXX XXXX said there must be documentation somewhere of what happened to the money. thank you XXXX XXXX
07/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 024XX	Web
We have a mortgage loan with Berkshire Bank in MA. The loan was underwritten in XX/XX/2018 for a single condo that we own which is in a condo trust with a total of 3 units. The Bank has asked for Master Insurance folder on XXXX. We sent them on XX/XX/XXXX the most recent folder from the Insurer. We have a written response back from the Bank stating that they received the folder. However, in the last two months they have increased our escrow amount due to missing master insurance. I have talked to the Bank three times now and to the person who has received the folder twice. They still could not fix it in their systems and we look like we are behind our mortgage because of the arbitrary increase in the escrow account the bank imposed.
05/10/2023	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	NY 12110	Web
Back when XXXX first hit in 2020 I had missed a payment of {$350.00} in XXXX. The company I worked for had cut everyones hours in half and I struggled to pay my bills on time. I have since payed off entire loan and otherwise have great payment history. I reached out to BERKSHIRE Bank to request missed payment forgiveness and even provided proof of my hours being cut. They said they do not have to forgive missed payment. Now its a few years later but its still on my credit and I have learned they the federal government had left it up to lenders to do the right thing. Unfortunately birkshire bank did not.
07/23/2020	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 Investigation took more than 30 days	MA 010XX	Web
I was laid off from work due to COVID-19 find out my XXXX and XXXX pmt are late. I call Im they tell me payments were applied incorrectly. I cal back again in XXXX was advised of the same thing and everything would fall into place and be on time so I make my XXXX payment and its reported 30 days late after I was advised when making the payment it would be on time and not reported late. This is been going on for 4months I call and I get we will call you back and no response. Now Im 3 months late on my account when I was advised everything would be Fine and pmts would not be late
10/14/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	VT 057XX	Web
Dear Sir, I was living on a fixed income. My roommate stole checks and food from me. When I went into the bank I found out I was overdrawn. I tried speaking with the bank they ignored me. I explained I have XXXX and was unable to figure out what was happening. I was willing to pay any money the bank paid out. But they wanted me to pay thousands of dollars in overdraft fees. I offered a payment arrangement for the money but they refused. The closed my account and submitted it to a company. Now I can't open an account anywhere. Sincerely, XXXX XXXX XXXX
08/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 144XX	Web
I had a car loan through berkshire bank. In XXXX before my XXXX payment I bought a vehicle at a dealership and that dealership satisfied my loan with berkshire because I did a trade in. The payment from XXXX was supposed to be sent to me. They automatically charged my again XXXX XXXX. We called them to clear this up. Cancel payments and have a refund sent. Now, ANOTHER month later, they have AGAIN charged my account for a car loan that was satisfied in XXXX. They are not helping me fix this problem and return my money.
10/06/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	GA XXXXX	Web
1. Escrow funds not applied correctly to renew Home Insurance causing me additional payment {$790.00} for the lapse in coverage. 2. Raised complaint in 2020 ( XXXX ) and they agreed to refund this amount. 3. From XXXX I have been following up and they tell me I will receive a check within 60 days but nothing comes, I call again and they keep telling me the same. Escalated to manager several times but no action. No responses to email. I spent countless hours on the phone to settle things more than a year.
09/21/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 13440	Web
The bank was transitioning to a new system. A few days prior, I made a purchase for a vinyl record from the XXXX. The transaction went through but then my account was flagged and put on hold for fraud protection. I was not notified or contacted. I was not able to use my funds or get access to the website, or contact a representative until the transition was complete. During that time, transactions were declined and important plans fell through because I had no access to my money.
03/25/2020	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NY 11365	Web
I was on the website Im a victim of identity theft so I expected this to happen everytime I apply for a bank account they always require me to send extra verification to verify my identity because the system automatically declined me Berkshire bank I received a notice of adverse action letter but I dont have anything wrong on checystems no debts to other banks and the reasons on the letter didnt make sense
01/20/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CT 060XX	Web	Servicemember
Berkshire Bank received wire XXXX XXXXXXXX at XXXXXXXX XXXX. on XXXX XX/XX/2023. Their policy states that cash deposits and wire transfers are available immediately. However, they said it had to " process '' and the funds were not available the same day. This wire was a payment for a new vehicle which I was not able to get on a Friday and I sustained three days loss of use.
11/07/2022	Yes	Checking or savings account Savings account	Managing an account Fee problem	MA 015XX	Web	Older American, Servicemember
opened XXXX XXXXXXXX with Berkshire Bank XXXX XXXX, in XXXX XXXX stated I wanted e statements, They are sending me paper statements through the mail, Well they are being returned to the Bank because The post office wont forward Bank mail .I am in Florida, as a result the statements are being returned to the banks each month, and I am being charged XXXX each month.
08/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Received unwanted marketing or advertising	CT 062XX	Web
I received correspondence from Berkshire Bank regarding their sharing of my personal information. It states that to limit their sharing I can call XXXX and their menu would prompt me through my choices. When I call that number the menu does not include a prompt that would enable me to make choices regarding sharing my information.
08/11/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NY 14701	Web
I had an auto loan that was paid off in XX/XX/2020 in full, but the auto loan company has not stopped taking monthly payments that were on auto-pay when I first signed up. I have reached out twice to them - once in XXXX and XXXX. They had stated in XXXX it would be reimbursed, but I have yet to see any of what they have taken.
06/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44105	Web
Contacted this bank and they are unable to provide me any information concerning a fraudulent account. Sent mail and filed FTC complaint. This company refuse to validate debt. This company cant provide signatures on any documents because the account is fraudulent.
03/22/2019	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 Investigation took more than 30 days	MA 01109	Web	Servicemember
I went on training on XX/XX/2018 and returned home in XXXX told the loan company i was in training and cant log on to bay my loan until i get home, my credit score went from a XXXX to a XXXX and they refuse to remove the marks from my account i have email trails
01/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 130XX	Web
XXXX XXXX XXXX XXXX is reporting on my credit report {$580.00} is past due and it's hurting my score.They have never reached out or contacted me in any way saying I owe anything. I have receipts that show my balance with them is {$0.00}.
01/20/2024	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	VT 057XX	Web	Servicemember

11/24/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	MA 01254	Referral

10/24/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NY 13165	Referral

07/09/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 14207	Web

05/02/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 12839	Phone	Older American, Servicemember

03/24/2023	No	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	MA 01230	Postal mail

03/09/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MA 01610	Phone	Older American

02/07/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CT 06076	Phone

12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77051	Web

12/19/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	MA 01085	Web

10/17/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	CT 06480	Referral

09/22/2022	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	NJ 07871	Web

09/22/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	CT 06385	Web	Servicemember

08/12/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CT 06268	Web

07/22/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CT 06066	Web Referral

06/01/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	VT 05733	Referral

04/11/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 13329	Phone	Older American

02/01/2022	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 Their investigation did not fix an error on your report	MA 02343	Web

01/21/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CT 06241	Phone	Older American

12/09/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 06279	Phone

11/12/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	VT 05250	Referral

11/08/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CT 06249	Referral

10/13/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NY 12025	Web	Older American

10/08/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01029	Referral

10/07/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	CT 06234	Referral

09/23/2021	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	MA 01583	Web	Older American

08/29/2021	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 02478	Web

04/01/2021	Yes	Checking or savings account Checking account	Managing an account Cashing a check	NY 13090	Phone

03/17/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	MA 01101	Referral

03/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90036	Web

10/20/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MA 01033	Referral

10/05/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01201	Web

09/28/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NJ XXXXX	Web

09/07/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MA 01238	Referral

08/05/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MA 02150	Web

08/03/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MA 01970	Referral

06/22/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Fees charged for closing account	MA 01075	Phone

06/11/2020	Yes	Checking or savings account Checking account	Managing an account Cashing a check	NY 13501	Referral

06/02/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MA 01201	Web

05/22/2020	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	NY 13030	Phone

03/12/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem with renewal	NY 13440	Referral

02/06/2020	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 Investigation took more than 30 days	CT 06331	Web

02/04/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	ME 04210	Web

01/16/2020	Yes	Checking or savings account Savings account	Managing an account Banking errors	FL 33708	Referral

12/17/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	NY 13760	Web

12/13/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	ME 04210	Web

11/15/2019	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CT 06067	Referral

10/03/2019	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors		Phone

09/13/2019	Yes	Checking or savings account Checking account	Managing an account Fee problem	MA 01020	Phone

07/23/2019	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	RI 02908	Referral

04/23/2019	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized		Phone	Older American

04/03/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32825	Postal mail

03/25/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Referral

01/18/2019	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card		Postal mail

01/18/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IL 62801	Referral

01/09/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process		Referral	Older American