| 01/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2020, I had a transaction post to my centerstate bank account of an online bill that I paid ... There is one major problem with the transaction coming thru my bank account on fri the XXXX, because that's the day I made the payment and it should have come out of my checking account the next business day which would have been XXXX XXXX I transferred 2 deposits on Friday XX/XX/2020 into my centerstate bank checking account to cover the payment that I made on XX/XX/XXXX, both of which were available for immediate withdrawal and were not being held for any reason and I've done this numerous times in the past the exact same way, nothing different..As a matter of fact, I withdrew {$200.00} from my centerstate account on Saturday XX/XX/2020 and there was still enough funds available in the account for the charge to come thru that I knew was coming thru ... Through the entire weekend, there was no negative balance on my centerstate account..
Then comes Tuesday XXXX XXXX and suddenly I have an overdraft charge apparently from the prior week that this bank somehow decided I owed them from the payment I made on XX/XX/XXXX, and my credit card payments posted to my account..All of this showing up on tuesday XXXX XXXX ... I went to the bank and deposited cash to cover the overdraft and negative fees on XXXX XXXX and then I called the bank and no one could explain to me why I was charged an overdraft fee with available cash in my bank account or since when did the bank start considering Saturday and sunday as a business day since that's the only thing that could even start to explain this situation with the overdraft fee..especially since I did everything the exact same way I had in the past and never got overdraft fees tagged to my account before..And now, this bank is living up to its reputation once again and changing its rules for how it handles their " policies '', which apparently changes from individual to individual and I would hate to believe that this bank practices discrimination and changes its rules depending on who they are dealing with.. I have had similar issues with this bank in the past and I gave Centerstate bank the benefit of the doubt several times before..But it's starting to look like they practice discrimination based on male or female or ethnicity or something because with me doing the same things on my end and this bank changing its rules routinely and I'm not able to do business as I'm accustomed to doing with them, there has to be a reason and it may be incompetent people in positions that they need not be in..on XXXX XXXX, I had 2 more transaction come thru both of which I paid on XX/XX/2020 to cover 2 Bills and it sent my account negative ( which I was aware of ) and once again I deposited money into the account to cover those charges, and again, they denied the charges with a positive balance in my bank account to cover the balances..and now I not only have to deal with this bank charging me overdraft fees to the point of madness, I have to now pay return fees on both credit card payments that I made that they returned costing me approximately {$200.00} total between bank fees and return fees from credit providers ... As of today XXXX XXXX, I spoke with a bank manager and I asked her since I routinely transfer money into my bank account and it shows as a positive balance in my bank account, how can I withdraw money from an account if the bank doesnt yet recognize the transfer and the fact that there is money in the account ( which is exactly what she attempted to tell me is going on with my transfers into my bank account ) and she was at a loss for words because she couldnt explain it and no one else would be able to ... At this point, I am seeking a permanent resolution to how my account is handled up to and including cancellation of this account because I'm not in the business of being ripped off and thats exactly what's going on here rather they want to admit to it or not..Unlike the average person, I am aware that banks get their awards and elite statistics not by how great they treat their customers, but by how much money they make off of the backs of hardworking people who cant afford to be ripped off, but routinely are by soulless banks with their ever changing policies and overdraft fees etc ... this is all a part of the many ways banks make money for bonuses and other reasons and I for one and simply sick of it..This bank and its practices are disgusting and I. Sure I'm not the only one with these experiences from centerstate bank..These are actually Deceptive practices in nature and I intend to have it investigated by higher authorities ...
|
| 05/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
As of today, XX/XX/XXXX, I find myself in a situation where my home will once again be uninsured by no fault of my own. My home ( inherited through a will ) has been paid on time through an escrow account since the death of my father on XX/XX/XXXX. The most pressing issue that I am facing right now, is trying to find another insurance company to insure my home before XX/XX/XXXX. This is the final day that my home can be insured per XXXX ( coverage began with them in XX/XX/XXXX ). I was told by XXXX a few days ago that they will no longer insure the home because it does not have central air and heat. I am furious because I searched frantically for months to get my home insured due to the unprofessional and careless acts of Centerstate Bank and XXXX XXXX XXXX XXXX.
To began with, the home was paid off in XX/XX/XXXX, so naturally I inquired about how to continue paying the homeowner 's insurance. It was at that time that I was told that the home had not been insured for 2 years and that CenterState Bank forced placed insurance to only cover the amount remaining on the loan. I was in complete shock as I was unaware that any of this had taken place and for soooo long. After questioning both the bank and the insurance company, I was told that they could not reach me despite several attempts. I had received no traditional mail, no phone calls nor emails from either business regarding any issues with this account. All mail according to them was returned to sender. This is unacceptable as in the few times that I have moved within 14 years, I have kept in contact with the bank to have my current address updated ; my phone number never changed. I was denied for years the opportunity to update the address on file with Centerstate Bank even though I had provided all legal/probate documentation to them.
Centerstate Bank and XXXX XXXX XXXX is the sole reason that I am in the predicament that I am in today. I have been paying Centerstate Bank faithfully yet blindly for over a decade. They have repeatedly refused to produce upon my request any information regarding this mortgage. I was told that they can not give me any information because the loan was currently being paid under the name of the deceased. Since I received the phone call from XXXX on or around XX/XX/XXXX and the letter in the mail stating that my current insurance will canceled on XX/XX/XXXX, I have been calling different companies with no luck of getting insured. Previously when I first found out that I had no insurance, other companies would not insure me because forced placed insurance had to be applied on the loan. This in itself sends a negative message that I am not paying my bills which is definitely not the case. Presently in my search for insurance, I am being told that my home is in a high-risk area or that they are not insuring homes built prior to XXXX.
I am requesting that the mortgage loan with Centerstate Bank and the insurance with XXXX XXXX be fully investigated from the initial time of the loan. I am also requesting that my home owners insurance is immediately and fully restored dating back to when Centerstate Bank and XXXX XXXX agreed amongst themselves to forced place it.
|
| 05/22/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I was in the process of buying a home last year XX/XX/2018. I was required to take a Home buying class to get a certificate. I attended this class and one of the bankers there her name is XXXX from XXXX XXXX stated there was a program for a grant for XXXX available for the closing cost of purchasing a home. I tried to contact XXXX for 2 weeks, I even called from other peoples phone numbers. She never once returned my calls. I called her supervisor she said XXXX is the one I would have to talk to about this program. The program for down payment money. She stated in the class florida residents 1st time home buyers would be able to use this. XXXX finally reached out to me and said we would not be able to use this program because my father still owed taxes on another mortgage this was not true because at this point I was dealing with another lender.Which was able to get my father a VA loan. He had to borrow money from friends and family for the down money. My fathers first home was purchase by his father and handed over to my father. My father needed to purchase another home because his home he was living in was effected by hurricane Irma and needed to purchase another home. I tried finding out about all the programs that could help him. He is a XXXX veteran and on a fixed income. I was told that there was no funding available. I also had to talk to a HUD approved credit counselor to help advise me on what steps to take. The only thing he did was ask me if I was single and seemed more interested in my dating status then helping me purchase a home. I really felt alone in this whole process. I was able to help my father purchase a home in XX/XX/2018 with another lender. At this point I am very discouraged I do not have faith in any of our programs able to assist low income/veterans.
|
| 11/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
At CenterState Bank, I made a cash deposit to my account via the ATM on Saturday XX/XX/2019. In the amount of {$840.00}.
As of today, Tuesday XX/XX/2019, the deposit was not credited to my account. I contacted the bank by phone, and was not able to get any resolution or speak to a manager.
I drove to the bank.
They immediately found the issue, and told me they have a problem with their ATM, and it has been a known issue for quite some time, yet, their ATM still accepts deposits.
They refused to give me a credit, without balancing the ATM, which they advised they only do once a week, or they " would not get any work done '' even when they have a KNOWN ISSUE.
I advised they need to balance the ATM, so I can get this credit. They advised they will do this, but are making me wait for hours.
I also advised I would contact the feds, as this does not seem correct to me, that they can knowingly accept deposits in a machine that has a problem, further exacerbated by not balancing.
I have tried to escalate this issue with the bank, as high as to XXXX XXXX, Regiomal Presiednt, yet can not get anyone to take a phone call.
I believe a review needs to be done of not only this branch ( XXXX XXXX in XXXX XXXX, FL ), but of the bank in general.
This is ridiculous in today 's electronic and heavily regulated environment.
Ironically, they have time to have 2 employees walking around with XXXX while I sit here.
|
| 04/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I was a member of XXXX XXXX in XXXX fl and they converted to centerstate bank on a Thursday night mid month and they had some errors in converting over to their new system and my direct deposit did not go through as well my automatic bill payments didn't process. To try and remedy the situation the XXXX office set it up so that customers could acess money the atms couldn't connect with their actual balance it constantly read that their was XXXX dollars available even after you would withdrawal so no atm or debit machine could connect with your actual funds and purchases never reflected until weeks later resulting in customers overstating major amounts and the online banking app never fully catching up to the transactions over that weekend and following week. I never signed up for overdraft and always relied on my banking app to be reliable source to reflect my balance. As a result it Caued me major financial problems and XXXX dollars in dept on my checking account. I had never been negative or overdrawn in the two plus years as a member with XXXX XXXX and now Im having to rebound from centerstate banks mishap and poor judgement and timing
|
| 07/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2019 I was purchasing a manufactured home in the XXXX XXXX XXXX XXXX located in XXXX XXXX, Florida. I applied for a mortgage loan with centerstate bank in XXXX XXXX. And was completely approved. They ask me to pay for a property appraisal which I did and obtain home insurance which I also did I payed the policy in full. the branch manager and loan officer wanted copies of paper stating that the insurance policy was paid in full which my insurance agent sent them confirmation on numerous times via email which the manager would not except. I lost hundreds of dollars trying to resolve this issue to no avail. I feel I was discriminated against because I am a XXXX senior or The home appraisal came back much higher than they expected or both. I see no reason why this transaction did not happen. They gave me no choice I had to back out or take a chance of losing my XXXX deposit.
|
| 04/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Per my other complaint I just filed with XXXX ( CFPB ID # XXXX ), Centerstate Bank of Florida is incorrectly reporting my former account with them to XXXX as a delinquent account ( Collection/Chargeoff ) with a balance.
Centerstate Bank is reporting this account correctly with XXXX and XXXX. I sent a letter, got no response and XXXX contacted them.
The attached evidence is clear that this account was discharged in bankruptcy. It should be reported to XXXX as closed, discharged in bankruptcy, with no balance.
|
| 09/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 08/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/24/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 06/17/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/29/2019 |
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
|
|
Phone |
|
|
|
| 08/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 05/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Account sold or transferred to another company
|
|
Web |
|
|
|
| 04/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|