| 03/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Apparently I have until XX/XX/XXXX to submit feedback on previous complaint ( XXXX ) but would not let me add to it.
There are really two complaints anyway, one for the checking account and one for the savings account. I accept the resolution to the savings account and my account has been credited for {$100.00}. I do not accept the statements regarding the checking account and forfeiting the bonus. Below is my comments to incorrect and inaccurate statements.
My initials XXXX will be used to notate my comments and CB for Central Bank 's comments.
See below : CB : " The accounts were opened at the XXXX, MO branch on XX/XX/XXXX.
The Join 400 promotional mailer you brought in was for new customers who could potentially receive up to a {$400.00} bonus for opening an eligible checking and savings account. If all requirements were met a {$300.00} bonus for the checking account and {$100.00} bonus for thesavings account would be paid. The requirements were disclosed on the mailer and a copy of the Truth in Savings bonus disclosure was also given at account opening. '' XXXX : " Why are you writing this as if we ever talked or had any interactions. How can you make these charges against me when you weren't even there and we've never once communicated. I did not bring in a mailer. Why lie? You know this. As I've mentioned numerous times to others at Central bank, your new bank associate and manager XXXX offered me a XXXX tickets and jersey when I came into branch to inquire about opening an account. I asked if there were other promotions going on or any for multi-product openings and the 3 of us found on your own webpage a promotion that was going on with a quick XXXX search. No bonus disclosures were provided to me at account opening. I have what was given to me and still has the original staple, unaltered. '' CB : " On XX/XX/XXXX, you opened a XXXX checking account and a XXXX savings account. The checking account was opened with {$550.00} of which {$500.00} was transferred to the savings account. The checking account had a balance of {$50.00} from XX/XX/XXXX, until XX/XX/XXXX, when you then transferred {$49.00} through XXXX to yourself. That brought your checking balance down to {$0.00}. Two direct deposits were made for XXXX dollar each. The first dollar was deposited into the account on XX/XX/XXXX, and the second dollar was deposited into the checking account on XX/XX/XXXX. After these transactions occurred your account was left with a balance of {$2.00}. No other activity occurred, and no further deposits were made after XX/XX/XXXX. On XX/XX/XXXX, a {$3.00} maintenance fee occurred, and your account became XXXX XXXX XXXX. The account was overdrawn from XX/XX/XXXX, until XX/XX/XXXX, when {$500.00} was transferred from your savings account into your checking account. '' XXXX : " As you've pointed out correctly, my account opened on XX/XX/XXXX incurred a {$3.00} maintenance fee on the XXXX day after opening. According to the monthly bank statements Central Bank provided : 31 days in statement cycle XX/XX/XXXX - XX/XX/XXXX 32 days in statement cycle XX/XX/XXXX - XX/XX/XXXX 28 days in statement cycle XX/XX/XXXX - XX/XX/XXXX As the last day of my third statement incurred this " maintenance fee '' of {$3.00} on XX/XX/XXXX, this would have fallen on the 91st day ( XXXX + XXXX + XXXX ).
On XX/XX/XXXX, I called Central bank to inquire about this fee as I got an alert from XXXX, an app I use to monitor my finances over the night. I spoke to XXXX and asked him to explain why I got the fee and how to prevent the fees from incurring. After XXXX explained, I asked if he would be able to waive this fee as a XXXX time exception for new account holders as I legitimately thought it was a true " free checking account. '' XXXX refused to reverse the {$3.00} charge. As this charge left me with a negative balance of - {$0.00}, I inquired if there were going to be additional charges as my account was negative and he said there would not be. I then asked him about the status of my signup bonus indicating I had just made it past the 90 days and he said it would be in my account in 21 days. With that being said, I told him since I wasn't going to get any more charges, I'd leave the account at XXXX since the signup bonuses will then make it positive. '' CB : " As disclosed at account opening in order to avoid a monthly maintenance fee on a MyChoice checking account you must have electronic statements and one of the following : Maintain a recurring direct deposit Use your debit card at least ten times for a point-of-sale transaction ( must be posted during monthly statement cycle ) Keep an average daily balance of at least {$500.00} Set up a monthly recurring transfer from MyChoice checking to XXXX XXXX account or a money market account. '' XXXX : " I asked for a free checking account. Apparently there was a free checking account as after getting charged a maintenance fee, I called in on XX/XX/XXXX and spoke to XXXX XXXX XXXX who switched me into the free account and also waived my maintenance fee. It appears therefore it truly is possible to waive maintenance fees but I now believe XXXX knew I was going to get screwed over by Central Bank on a loophole/technicality which is why he didn't mention for me to get a {$1.00} deposited into the account as soon as possible. 5 star to XXXX btw ... he was a rockstar XXXX. '' CB : " The customer service representative went over the requirements to avoid any maintenance fees at account opening in addition to you being provided with an Understanding Your Deposit Account Disclosure and Truth in Savings bonus disclosure. '' XXXX : " This again is a lie. Pull the tape. What you'll see is me sitting with a brand new associate/rep at her desk with XXXX the manager hovering over her directing her what to do. You'll see me get up from the table and then be handed a packet that XXXX went to go print out and give me. We certainly did not go over this information. If we did, what logical person would think I'd let my account get charged a {$3.00} fee just to possibly lose out on a {$300.00} bonus? Come on XXXX.
CB : " The promotional mailer and the Truth in Savings bonus disclosure both stated the checking account must be in good standing up to and including the date any earned bonus is paid in order to receive the bonus. '' XXXX : " Again, that's a lie. I did not have a promotional mailer. This was offered on your own website where the associate and XXXX pulled the promotion code for the application. Again another lie. In my " packet '' that I was sent out the door with, I have a page that is page 1 of 1, states CSR : XXXX XXXX at the bottom. This has a table for " XXXX XXXX '' and lists annual percentage yield from ranges $ XXXX {>= $1,000,000} which all levels/ranges are at a 0.30 % annual percentage yield. After which the 1 page Truth in Savings Disclosure states : 'The annual percentage yield assumes interest remains on deposit. A withdrawal will reduce earnings. You must maintain the above balance in your account every day to obtain the annual percentage listed above. ( Next Paragraph ) : An interest rate of 0.15 % with an annual percentage yield of 0.1500 % will be paid on the entrie balance if a monthly transfer into your savings account does not occur each statement cycle. Transfers include : automatic funds transfer, direct deposit or online banking transfer. ' So XXXX, where do you see it 'stated the checking account must be in good standing up to and including the date any earned bonus is paid in order to receive the bonus '? '' CB : " You did not meet the requirements to avoid a maintenance fee, therefore a {$3.00} fee was assessed on XX/XX/XXXX, and the checking account became negative. Since the account was not in good standing as required by the promotion and information on how to avoid a maintenance fee had been provided to you, the bonus was not paid. After the 90-day period you called and requested another copy of the bonus disclosure, which was then emailed to you. At that time, you also acknowledged you had received the Understanding Your Deposit Account disclosure at account opening. '' XXXX : " See XXXX, I don't lie. I called in on XX/XX/XXXX and spoke to XXXX XXXX who said I was provided " all the information about the bonus in the packet. '' So I went and grabbed the packet and yes, I was sent on my way with an 11 page " Understanding your deposit account, single spaced type 6 size font ( btw, can you really expect anyone to be able to see/read that?? or is that just another one of the " tricks '' to " gotcha '' loophole for your customers? " ). Now, I did look through it to see if it could possibly be my mistake/oversight with any responsibility, and after reviewing, I DID NOT have a copy of the bonus disclosure included XXXX accused XXXX of receiving. Just to double check to make sure I wasn't missing something with the tiny print disclosure packet I was provided with, I asked XXXX to send me a copy of what she's talking about so I can verify if I received it. XXXX sent me a type font of 12, single page pdf with no information on it except a two typed out paragraphs. It did not have my signature nor any other information on the pdf like the one 's I that came with my packet which almost makes me think it was typed up on the fly, and not an official disclosure. It had no date, no expiration date, nor offer code to shows was applied and did not have my name nor any one 's name from Central Bank. It didn't even have Central Bank 's letterhead/logo. Regardless of the legitamacy of what was sent to me, it was NOT included in my package I was given and again I can prove it as the packet and original statement remains unaltered. I should also state for the record, none of my initials or signature can be found indicating I've read or received ANY of the documents I'm accused of having, but since I don't lie, I'll admit to everything that is true. '' XXXX : 1. " I'll continue from above to address this " bonus disclosure '' I was never given. Per your own statement above : XXXX XXXX, XXXX, a {$3.00} maintenance fee occurred, and your account became negative ninety-nine cents. The account was overdrawn from XX/XX/XXXX, until XX/XX/XXXX, when {$500.00} was transferred from your savings account into your checking account. '' Your own disclosure ( attached ) which was provided to me for the first time on XX/XX/XXXX by email from XXXX states for the checking bonus : 1. Deposit {$50.00} or more at account opening and 2. Have at least 2 or more qualifying direct deposits within 90 days of account opening.
2. So based on your letter, I met those qualifications.
3. At the bottom of the last paragraph of the disclosure it states : Bonus is reported to the IRS as interest. Bonus ( es ) will be deposited into the checking account within XXXX business days after XXXX ) account meets all requirements AND 2 ) has been open for 90 days.
Now just to be clear because I see where you're trying to pull the " I gotcha loophole, '' it goes in a series 1, then 2 and is ended with a PERIOD. Hard stop. Everything before that period, I've done per your letter and therefore are entitled to the {$300.00} checking bonus.
4. Here 's this line that really doesn't make sense and seems maybe it was added in. 'The new checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive the bonus. ' Why not just add that into a number 3 and keep within the same previous sentence? Right above it says it will be 15 business days ( 21 calendar days as XXXX mentioned ). In your own letter it says my account had a positive balance from a transfer of {$500.00} on XX/XX/XXXX. That was only 10 business days. Even by this last " gotcha '' statement, I was still within the 15 business days for my account to be reviewed. Thank goodness I made the transfer because on XX/XX/XXXX I had an unauthorized charge of {$9.00} from XXXX because your system or debit cards were hacked. Now let me ask you, if that charge put me negative, would you decline me too as that was still within the 15 business days XXXX?
CB : " Should you have any further questions please feel free to contact XXXX XXXX at XXXX or XXXX XXXX at XXXX '' XXXX : " I did speak to both XXXX and XXXX at the same time regarding this complaint. They were on the same call and on speakerphone and they both told me the reason I did not get EITHER bonus was because I did not have the account current for 90 days. I kept reiterating, if they want to be that specific and technical, technically, the fee was charged on the 91st day so I met the requirements per their promotion of having account open and in good standing for 90 days and have completed their other requirements. They both told me they " verified '' it was not 91 days but it was 90 days and then had to let me go because they had a call/meeting. I know CB records all calls, but guess what... so do I. I'll be happy to provide copies of the calls if you can't provide any XXXX. All calls since I opened account were recorded and that way you can't continue to make false allegations against me about what was said or done.
And finally to CFPB : Just want to make note that Central Bank retaliated against me for filing this complaint and closed my account. I verified both in app and on web browser in case they want to say it was just a " technical error '' or some other excuse making me look like the liar. I've screenshotted and recorded everything for records.
|
| 09/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On XX/XX/XXXX, I called Central Bank XXXX XXXX XXXX to find out about getting a commercial vehicle loan for my business. After being transferred, I ended up speaking with a representative. I told him I wanted to purchase a XXXX XXXX for a trucking company. The person on the phone responded that this is OK, and referred me to the general vehicle loan application page. He told me to just apply there and " type in on the side '' the fact that you wanted a XXXX XXXX XXXX, along with your FEIN number and it will be processed as a commercial loan. Well, I immediately completed the application, which was set up as a personal vehicle application with no place to indicate it was for a commercial loan. Almost immediately, I received an email from my credit reporting agency indicating that an inquiry had been indicated on my file. Later that same day, I received an email from XXXX XXXX indicating that I had applied wrongly as a consumer, instead or a commercial account and asked if I wanted my file to be sent to the commercial loan department. I indicated yes and on Monday, XX/XX/XXXX, I received an email from XXXX XXXX indicated he was one of the Commercial Loan Officers and that he deals with commercial vehicle lending for the bank and asked me to call him to chat.
XXXX XXXX and I spoke on that same afternoon. XXXX was impressed at my credit score, and indicated that they normally don't pull credit scores for commercial loans immediately, as usually there is a discussion between the bank and the party trying to obtain the loan. XXXX asked me did I want to know what my score was. I replied that I subscribe to the credit reporting companies and I already received a message about an inquiry. However, he was eager to tell me my credit score, so I agreed to let him tell me. XXXX indicated it was " XXXX ''. He indicated that this is a really good score. He asked me a few other questions about the business, which I answered. He asked me if I had any financial projections and I advised that I do have rough projections. He then stated that he does not see why the bank would not be able to help me, as I have a strong credit score and the amount of financing of {$45000.00} was feasible. XXXX indicated that they are a smaller bank, and they make their decisions " in house '' so he felt like there was a good chance for approval.
Around XX/XX/XXXX, I received a letter dated XX/XX/XXXX indicating the loan was denied and the reason indicated was " value or type of loan not sufficient ''. After I received this letter, I called the author of the letter, XXXX XXXX, and also my point of contact XXXX XXXX, and was unable to reach them. I left each of them at least 1 voice message. On XX/XX/XXXX, I spoke with XXXX who explained that they were " uninterested in loaning the {$45000.00} at this time ''. I asked XXXX if this was a denial, then what is the reason. He indicated that not being interested is not the same as denied, and the reason why they were no longer interested was the fact that they had a few similar loans default in the last few weeks. I asked XXXX if the profiles were just like mines, as I have good credit, and a management plan for the business along with the collateral being the XXXX truck itself. XXXX went on to say, they are not a " collateral based '' bank. They are financially driven, meaning they are more concerned with cash flow, and as a start up business, we do not have adequate cash flow. I advised XXXX that it was stated from the very beginning that I was a startup business and did not have cash flow. XXXX stated they only wanted businesses with 2 years of business income, now that they've had a couple of defaults in the last couple of weeks since I applied.
I told XXXX that I was disappointed that these truck loans have defaulted in the last few weeks and it has affected my ability to get a loan approved. XXXX refused to put this in writing but indicated he would refer me to a local XXXX XXXX XXXX for assistance. Personally, I find it hard to believe that any trucking company has defaulted because the trucking industry is booming right now, and single owner operators of box trucks are earning over {$100000.00} per year. I am alleging that I have been a victim of disparate treatment in financing based on my XXXX. I believe XXXX was a factor in " Not being interested in my loan ''. I would like my loan considered based on fair equitable standards.
|
| 09/22/2022 |
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 |
|
|
On or about XX/XX/2022 I called Central Bank XXXX XXXX XXXX to pay off and buy out my vehicle. I authorized their employee XXXX over the phone to charge my debit card the amount that he told me was owed to them by me ( me being an individual who is buying out leased vehicle from the bank ), my account was charged and payment of {$11000.00} was taken out of my account by Central Bank XXXX XXXX XXXX. About two weeks went by and I received a bill payment for my loan I already paid off/was charged. I still did not receive my title in the mail either, as I was told I would receive. I contacted Central Bank XXXX XXXX XXXX again on XX/XX/2022 and was told my account has never been closed, even I was charged pay off amount. I was told they did not know the reason why it was still not closed, but will investigate and get back to me once it is fixed. I eventually was contacted and was told that account was fixed and the issue was corrected and I should be receiving my title in a mail within a few weeks. Now today it is XX/XX/2022 and instead of receiving my car title in a mail, I receive ANOTHER bill with now two payment and late fees included plus interest for account that I PAID OFF. I again contact the bank and am explained that person who took my payment to pay off my account charged me pay off amount that was for the dealership pay off, and not for me. I am told that my pay off was about {$800.00} more than dealerships pay off. But I am also told that my current total pay off now is no longer the remaining {$800.00}, but {$1100.00}, because of late fees and interest that has accrued on the loan that I ALREADY PAID XXXXl already received a letter stating that I paid it off over the phone/money was taken. Representative I spoke to today XX/XX/2022 also tells me that " bank will not fix their own made mistake and I will not receive my title until I pay off my account to the last penny and that there is no way anyone at the bank can fix their own made mistake ''.
I did contact the bank prior to XX/XX/2022 several times over the phone ( they do not have online any kind of option for these loans I was told ) to get the amount owed, I wrote it down and have it dated in my iphone notes, then went to another institution and hit a {$12000.00} loan. I then called XXXX Bank XXXX XXXX XXXX again to check on what I owe while my loan was clearing out into my bank account. XXXX I spoke to from XXXX Bank XXXX XXXX XXXX told me the amount again was still {$11000.00}. I then told this person that I will call back the next day to make a final payment in whole to pay off my car and will ask to speak to them specifically to pay off my car. I did call the next day, which was XX/XX/2022 and made that payment with XXXX over the phone. And then the bills continued to be send to me, I was told my account was not closed, but then that it was fixed and that I would receive my title. So I again waited, until finally no one contacted me after XX/XX/2022 to inform me of anything at all. And the only way I found out that bank has made a mistake and still did not release my car title to me was only when I called myself on XX/XX/2022 after getting another bill in a mail with now two payments owed to them for the loan I paid off. Manager I spoke to was only repeating over and over again to me that consumer pay off quote and dealership quote is different amount. Me as a consumer who they had to verify and knew who I was before I made my final payment had no knowledge of any of this. I never received any explanation. I still am not even sure if this is even legal at all. But I paid off to the bank what I was told I owed to them to receive my vehicle title. But whatever error has happened on their end they will not fix it and are holding up my title, wracking up more fees and interests for me to pay more to them and have not send me any paper letters or explanations on anything of proof of anything at all. This bank also does not have any kind of online banking for these car leases and loans either. So I have been in a dark with them receiving information about my account only verbally over the phone or in their print out bills they send me in the mail. My account has always been in good standing. I need bank to fix their mistakes and release my title for car I paid off.
|
| 09/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Servicemember |
|
I was selling a piece of furniture on XXXX. I had found what I thought was a seller. they mailed me a check that was what I think was very official. It had watermarks on it and it had security lines. They sent me a check for payment that I received on XX/XX/XXXX and then informed me that the check would include the cost for the item I was selling and also money to pay a moving company to transport the piece to their home.
I went into the bank after I deposited the check I talked to the teller involved and she contacted their resolution center for confirmation. I tried to contact them to insure that the check was fully deposited before I would give any money to anyone else. They told me that the check would be cleared by XXXX on XX/XX/XXXX. I contacted them back on XX/XX/XXXX. This is when they informed me that once the check is cleared that there is no way for the money to be pulled out of my account. So i then confirmed that the check was cleared and they told me it was. With this information i decided to wait a couple days to just make sure that everything was fine.
I sent over money using XXXX for this delivery that was meant to be scheduled. This took XXXX days to send all the money that was meant for the delivery. so i sent money over XX/XX/XXXX for {$1500.00}, XX/XX/XXXX for {$320.00}, and XX/XX/XXXX for {$600.00}. These transactions were sent through under the false pretense of delivery.
Later in the day on XX/XX/XXXX the check that we were given bounced. The check we received were from a company and it seems that the checks were stolen which is why they looked so official. As soon as this check bounced we were within central bank trying to talk to their customer service rep about what to do for the fraud. This is when I was informed by XXXX of their employees that it takes up to XXXX full business day for a check to be fully deposited into the account. The customer service rep told me that we are liable for any transfers that are made through XXXX because we are liable for those and that even though we were told by their customer service members that everything was safe and that there was no way for the check to be pulled they are not liable at all for this transfer. Mentioned that it was a good " training opportunity ''. I'm Personally out {$2500.00} due to a false sense of security that was built upon this employee not understanding how the checks work.
After talking with this customer service rep i did some research into the situation and found Regulation XXXX that outlines unauthorized XXXX and the XXXX XXXX XXXX. With this i found that the CFPB has put out statements like " a consumer is entitled to receive the liability protections of regulation XXXX, even when that consumer acted negligently ''.
This was the banks defense on why my case does not constitute as fraud or a scam because I negligently made the money transfer and there for does not constitute an Unauthorized EFT and therefore does not warrant protection under fraudulent coverage. This is directly in contradiction to Regulation XXXX.
I called the disputes department of the bank and opened a dispute into the Frequently XXXX transfer on XX/XX/XXXX. The bank was very rude and reluctant to even open the claim for me and laughed at me when i tried to outline the dates of when everything happened. I had expressed to them that regulation XXXX requires that I notify the establishment within XXXX business days and i was informing them that I had originally contacted the bank the day of the fraudulent pull from my account. The disputes rep laughed and said " yea I'm sure the dates are definitely going to matter with the final resolution coming to you ''. They informed me that central has no mode for me to check on this and that I would have to wait up to 10 days to receive notification of their " resolution '' for me to come by mail.
I received my letter in the mail on XX/XX/XXXX. It states that " The investigation has concluded. Based on the investigation, It has been determined no error occurred and no credit is owed to you in relation to this claim. The claim is now closed. The service which was requested from the merchant was a transfer of funds, the merchant completed the service therefore we have no dispute rights ''.
|
| 11/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
I opened an account on XX/XX/XXXX ( Checking + savings ) with Central Bank in person at the XXXX, MO branch. The girl who signed me up said she was new and she had XXXX XXXX who I believe is the assistant branch manager ) behind her coaching her what to do to open my account. As part of a new customer promotion with Central Bank, I was offered a sign a sign up bonus of {$400.00} after meeting certain requirements ( {$300.00} checking bonus + {$100.00} savings bonus ). To receive these bonuses, I was told I needed to make at least 2 direct deposits and have the account open for 90 days to receive the {$300.00} bonus in my checking account. I was also told I would receive {$100.00} extra bonus if I also opened a savings account and put {$500.00} in it. I funded the account with a XXXX payment of {$550.00} and moved {$500.00} into savings to get the extra {$100.00} bonus.
On XX/XX/XXXX, I called Central Bank to inquire about a fee that was charged to my account on XX/XX/XXXX which resulted in my checking account now reporting a - {$0.00} balance. I spoke to XXXX who explained it was a maintenance fee to me that was being charged because I did not have a direct deposit during the previous statement cycle ( unlike the firs/previous two months ). I asked since I was unaware if he could provide a one time fee waiver and he said it was not possible. I then asked if there was anything I needed to do to avoid getting extra fees and he said no as there are no extra fees added when a negative balance is result of a maintenance fee. I also asked him if he could provide me with an expected date of when my bonuses would be deposited as he confirmed I met the requirements and he said that it could take up to 21 days for the bonuses to report as accounts are manually reviewed.
As the bonuses still had not reported, I called to inquire about the status and was told Central Bank was disqualifying me from both bonuses because their maintenance fee put me at a negative XXXX cents balance on day 91 of my account being opened. I tried to explain and spoke to XXXX and she also directed me to to talk to the branch manager XXXX to which I left a voicemail. On Tuesday XXXXXX/XX/XXXX, branch manager XXXX returned my call and already knew the details of my account and why I was calling before apprising her of why I was calling. She said there was nothing I could do to get either bonus and was also denying me the extra {$100.00} in my savings account. I asked about escalating and she said there was nothing she/I could do so I asked about filing a CFPB complaint and she suggested I try that route to get my expected resolution though it didn't seem like she knew what the CFPB is.
|
| 01/19/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company explaining amount owed
|
|
Web |
|
|
Central Bank repossessed car after denying that my XXXX payments made through their payment website within XXXX month of " late '' pay issue. They offered no assistance in correcting issue. The bank also ordered the repo 5 days in advance ; over a monday bank holiday, after banks closed on sunday, and banking half hours on saturday ; in which i had tried to make payments on more than XXXX occassion ; after being denied a 'receipt ' on account payment from loan dept. over phone, as well as, by the live cashier in the bank lobby ; Resulting, at XXXX, a call arrangement in agreement with loan mgr at my local bank- if i was paying cash-by XXXX ( tue ) that day. The repo driver at XXXX that night, who told me that the order had been issued " a couple days ago '' : ( which would have been XXXX holiday mon, XXXX sun closed, XXXX. Sat half hours, and day # XXXX *Fri for mgr at bank to work that day ) that i " deserved what i was getting bc i 'had not paid my car loan ' ". First of all!!! I Did Pay {$500.00} in previous XXXX weeks to that loan that was current to that date!! Second!!?? WHO IS HE TO TELL ME THAT I DIDN'T MAKE MY PAYMENTS and THAT I DESERVED ANY!! THING THAT HE ( uninvited/tresspassilng ) could or WOULD DO TO ME AT XXXX PM ON MY PROPERTY???
I live XXXX min from my bank, WITHOUT MY CAR, after a holiday, and, after, this so-called, bank had shut down all XXXX of my XXXX year old accounts and deleted my account history from the only bank that i had any financial accounts with!! ( Now, no ride=Unemployed ) i had to find and secure a {$7000.00} 'cash ' loan and get to an open bank XXXX. in less than XXXX hour.?XXXX XXXX XXXXsure.
|
| 01/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have unfortunately been a victim of identity theft and on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX My XXXX unemployment debit card which is issued by Central Trust Bank was compromised. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I filed a dispute with XXXX cardholder services. I also filed a police report on XX/XX/XXXX and I've filed a report with the Federal Trade Commission on XX/XX/XXXX. I've submitted all of the above including XXXX XXXX XXXX XXXX the police report and the FTC report as evidence along with the transaction dispute form provided by cardholder services.
I've yet to be credited for any of the transactions that took place with my account starting on XX/XX/XXXX at XXXXXXXX XXXX with an electronic ( ACH ) funds transfer from card to bank account {$5000.00} personal savings ACH withdrawal. A total {$13000.00} had been taken in total.
XX/XX/XXXX I was informed by an account specialist with XXXX cardholder services my account has been pre-determined from here on that that no error will be found to have occured what information I send them i this dispute has been investigated multiple times I don't see how these people aren't investigating and working with the other financial institution to where the ACH transfers were sent to it has the names of the individuals and the accounts where they sent my money to right there in the bank statements.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've asked for documents as to how they have concluded the investigation and all they send me is a bank statement.
|
| 07/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I opened a central bank checking account XX/XX/2023 because there was a promotion that was going on, one of the terms of the promotion was that if i have a direct deposit equivalent to or more than {$500.00}, i would get a bonus, so i set my direct deposit from my work to my central bank checking account with the amount that met the requirement. Then, out of the blue, i could not access the account at all, i called in and if memory serves me correctly, they told me my account was closed by the fraud department because i committed a fraud which i did not. If what they claimed was true, they would had sent the authorities, i would be in cuffs, and had been charged for fraud. But, i didnt commit any fraud and since what i said did not happen, they never had the proof to claim that i committed a fraud, yet they still closed my account. I'm reaching out to CFPB because i believe that they owe me the promotion money that they promised. I already meet the requirement in the promotional terms and condition, it was not my fault that they have an over active system that suddenly flagged me doing fraud when i did not, if i truly committed a fraud, where is the proof? I believe they closed my account after the fact that i met their requirement ( direct deposit from my work of {$500.00} ) was because they did not want to honor the agreement which was to give me the promotional bonus as promised. Banks that promises to give promotional bonus and close their clients accounts after they completed the requirement claiming their clients committed fraud should be investigated, exposed, the way XXXX XXXX did recently.
|
| 08/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I entered into a consumer credit transaction with a marketable security in the form of a XXXX with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX XXXX XXXXccording to US Code 1602 ( i ). Section 15 of the Securities Exchange Act of XXXX makes it unlawful for any broker dealer to purchase, sell in effect transactions in securities using the means of instrumentalities including Promissory Notes of interstate commerce unless they have been registered with the SEC. Neither XXXX XXXX XXXX XXXX or XXXX XXXX are registered with the SEC. XXXX XXXX Bank accepted a negotiable instrument, converted it to a Promissory Note, perfected it and attached security interest to my vehicle VIN XXXX and forged my signature to a Promissory Note without my permission.
Central Trust Bank issued a 1099c Cancellation of Debt and placed a tax liability upon me, but refused to cancel the Promissory Note that was never signed by me. A Promissory Note must be signed by the borrower for it to become valid. My name and collateral interest was forged to assign a lien to my property which is a violation of 18USC 641.
Central Trust Bank entered into a XXXX loan with XXXX XXXX XXXX XXXX not me. I have sent Central Trust Bank and XXXX Imports, a revocation of security interest in the vehicle as well as a Billing Error Notice and request that Central Trust Bank properly tender this Promissory Note as sent in the Cancellation of Debt and remove their security interest.
This transaction is fraudulent and I ask the CFPB to intervene and protect me consumer rights.
|
| 02/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
The advertisement I responded to promised a {$300.00} credit if I opened a new account and kept it open for 90 days. I also had to fund the account with an initial deposit of {$50.00} and make two direct deposits within the first 90 days. I opened the account on XX/XX/XXXX and my first direct deposit was made on XX/XX/XXXX. On XX/XX/XXXX, my balance on the account showed {$56.00} and I made a credit card payment for that amount on XX/XX/XXXX. A day after the credit card payment cleared on XX/XX/XXXX the bank claimed an XXXX charge had cleared prior to that charge and put the account in a negative balance of {$55.00}. Prior to all of this, the XXXX shipment cleared on XX/XX/XXXX so it makes no sense the charge would disappear from the account and appear again when I had a XXXX balance to place me in overdraft. The account had been opened for 90 days on XX/XX/XXXX. The overdraft occurred on XX/XX/XXXX. They are now telling me I am ineligible for the {$300.00} bonus because their fine print indicates the account must be open for 90 days and be in good standing through the time it takes them to process the payment, no matter how long that is. This is extremely deceptive in my view both in the fact that a charge disappeared from my account and then suddenly reappeared the very day they were evaluating the account for the bonus and just happened to disqualify me. The postcard I received said no minimum balance was required. Offers like this must be clear and this was not clear at all.
|
| 06/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
|
On XX/XX/2023, I went into my Bank to Deposit a Cashier check I received. An employee of my bank said I could not Deposit the Cashier check.
I received a Cashier Check from a class action law suit regarding a car I bought fifteen years ago. Fifteen years ago when I bought the car, I had to have my mother co-sign for me. When I received the Cashier Check dated XX/XX/2023, from a class action law suit, it has my name and my mothers name on it. My mother did sign the back of the check and so did I. The bank employee said my mother had to be present with her ID in order for me to deposit the cashier check. I told the bank employee that my mother is XXXX XXXX XXXX and lives in XXXX which is over an hour away. I asked if I could XXXX my mother and she could show her ID that way and bank employee said No. I XXXX my mother to tell her what the bank employee is telling me and my mother offered to go to a branch of my bank that is a lot closer to where my mother lives and the bank employee said No and then proceeded to tell me that she needed my mothers thumb print.
The Bank employee did not help in any way to resolve this matter, the bank employee did not look up my account to see how long Ive been a customer, she would not talk with my mother, she brushed me off and would not help me in any way or my mother who lives over an hour from that bank whose XXXX XXXX XXXX.
I have a cashiers check dated XX/XX/2023 for the amount {$360.00}, I want to Deposit into my checking account, Please.
|
| 03/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
My husband and I have banked with Jefferson Bank of Missouri for years. On XX/XX/XXXX I opened a new checking account at Central Bank of XXXX. After I opened this account, I called Jefferson Bank of Missouri to close that account. They refused at that time, and said they would be able to cancel it on Thursday, XX/XX/XXXX. Their reason for refusal was due to pending items to be paid. They did not close the account as they said, and since then, I have been charged at least {$1400.00} in overdraft, return fees, and maintenance fees. On XX/XX/XXXX Jefferson Bank of Missouri took {$1800.00} from my Central Bank Checking account to cover the excessive fees they charged me over the last 2 months despite my request to close the account. This left me with only {$180.00} to live on. When I called them, they said they would only return fees charged in XXXX because they had been sending me notifications of these charges. I have checked both my husbands and my emails, and mail and there are no notices from Jefferson Bank of Missouri that I can find regarding these fees.
Had I not opened an account with an affiliated bank of theirs, I believe they would not have left this account open and charged me excessive fees as they have. They did this knowing they could take from my Central Bank account. As of this morning, XX/XX/XXXX my account is still not closed, I have not been reimbursed for any of the fees, and they Still have not closed my Jefferson Bank Checking account.
|
| 01/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
In late XXXX of XXXX I opened a checking account with Central Bank because of a promotional offer that they were running. After opening the account, I received an email from XXXX XXXX from Central Bank stating that they needed more information about the promo code that I used. He explained at the time that I opened the account, the entire promo code did not get copied over to the account. All that was copied over was XXXX when the entire code was XXXX. During our email he stated Thanks XXXX, that is exactly what I needed. The entire code didnt get copied over with the account and emailed me the fine print for the offer. The bank is not honoring their word ( or terms ) and saying now that they will not honor the promotion, nor switch the promotion to the code that is on their website because they suspect that I got the code from unauthorized 3rd party website, however the terms of the offer do not state of such limitations or restrictions regarding the offer. XXXX XXXX at the XXXX, KS Central Bank Location called me at XXXXXXXX XXXX on XX/XX/XXXX to tell me that I am not eligible for the offer even if I complete the terms because the employee, XXXX XXXX, ( that emailed me on XX/XX/XXXX and told me that the code is exactly what [ he ] needed and sent me the terms to the offer ) believes that I got the code from a unauthorized 3rd party website.
|
| 06/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
On XX/XX/XXXX my XXXX XXXX XXXX was repossessed. I have not been contacted by the bank for any " missed '' payments. I contacted the bank right away and was told the last couple of months i have made partial or no payments ( i have bank statements and proof of withdrawal from my bank that the full payments were made ) The Central Bank XXXX XXXX XXXX who owns the lease then stated they would not have information about how much to regain ownership of the vehicle or where the vehicle was located for 48 hours but i would be responsible for tow storage fees. I contacted the bank again on XXXX again for information and the phones were down for hours and I couldn't get in contact until about XXXX where I spoke to someone at the branch who said someone would reach out to me and nobody did. on XXXX i got ahold of the right department and was told the vehicle would be the full residual balance to get the vehicle back of {$15000.00}. i was told there were missed payments from XXXX and XXXX which i have proof from the bank payments were made, i was told i can still fax over that proof but that will not help get the vehicle back and it will still be repossessed.
|
| 09/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
I've been a client @ Central Bank for over 20 years. A few years ago I noticed I was being charged a {$5.00} mo fee on a free checking account. I inquired about it & was told it was for XXXX XXXX. I tried canceling XXXX XXXX & stopped using it but continued being charged the fee. It took me a few months and many emails & phone calls to discover that I would continue being charged as long as I had any Payees listed on my account. I deleted everything & told them I do not want this service. I felt it was misleading & hard to opt out of. Well last month I noticed that fee has returned. I inquired & was told it was for XXXX XXXX & that I signed up for it 3 months ago. I never used the service again & there were no payees listed in my account. I did not sign up for that service. I can pay my bills free directly from the creditors website. That's what I was doing. They added this service without my knowledge & thought I would not notice the fee for months like the last time. This is a very deceptive practice.
|
| 03/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Alright I want to share a XXXX for Central Bank, called Bank Central only in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I initially applied through the Central Bank 's website for this account, and was then denied as I needed to apply through Bankcentral.net as I lived in CO. I couldn't find any referral links for bankcentral, however the url of : XXXX XXXX XXXX shows the same checking account bonus so I went through that page.
I applied, made a direct deposit of ~ {$250.00} and before I could make any more transactions to my new account I got a shutdown letter stating they were going to close my account within 10 days. I couldn't get an answer as to why but eventually someone told me it was because I used an invalid referral code, which is odd as most banks won't shut you down if you don't meet a bonus requirement they just won't pay out said bonus.
To add insult to injury I had to call a few times to let them re-enable external transfers so I could get my funds out.
|
| 08/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Transactions listed below were fraudulant. Someone accessed my account via an app called XXXX and a website called XXXX. Transactions were approved and over {$17000.00} was stolen from me. No one contacted me of these transactions, I only found out when I tried to pay a bill. A police report was filed but the bank, XXXX XXXX XXXXXXXX XXXX, refused to give any help just insisted it had to be me. I am out {$17000.00}. I am on social security XXXX and this was all I had.Now I may lose my house with nowhere for myself and XXXX sons to go.
XX/XX/22 withdrawal to XXXXp {$390.00} XX/XX/22 to XXXX {$800.00} XX/XX/22 to XXXX {$400.00} XX/XX/22 to XXXX {$30.00}, {$70.00}, {$100.00}, {$300.00}, {$1000.00}, {$1000.00} XX/XX/22 to XXXX {$1900.00}, {$1000.00} XX/XX/22 to XXXX {$2000.00} XX/XX/22 to XXXX {$2000.00}, {$2000.00} XXXX on XX/XX/22 to XXXX {$2000.00} XX/XX/22 to XXXX {$500.00}
|
| 06/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
I am in the XXXX XXXX XXXX. I supplied military orders to the creditor, in writing and by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a second set of orders were supplied XX/XX/XXXX.
There was no action taken to cap my interest rate at 6 % per the protections of the SCRA military benefit for reservists being called to XXXX XXXX service.
I supplied multiple examples of SCRA benefits being applied by other creditors, but received no response. XXXX XXXX a VP at central bank, with little explanation on reason for denial of benefit.
Please help me rectify this.
|
| 04/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I inquired on a loan through Online Central, a division of The Central Trust Bank. XXXX XXXX ( XXXX : XXXX ), the agent, would following up constantly to get the application and my documents over. I have a excellent credit and strong income. He would follow up at all hours so I completed everything. Now I have been unable to get ahold of him for weeks. He will not respond and has been XXXX. This is frustrating after all credit and private documents have been sent. This makes it feel very much like a scam, do not use.
|
| 11/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX of 2023, I signed up for an account with this company because they advertised a deposit bonus. All I had to do was make two deposits totaling {$250.00} within 30 days. I was supposed to receive {$300.00} from them for doing so. I did that and then waited, but they never gave me the deposit bonus. Upon asking them why, they told me that my deposits didn't count because I was the owner of my own company. Doesn't seem like a fair practice.
|
| 05/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Aprox. XX/XX/2023- locked out of online banking without notice, checking balance under {$20.00} Approx. XX/XX/2023 - called bank and was unable to get online banking account unlocked due to being unable to verify my identity and was unable to close the account, was instructed to mail a letter with my signature to verify my identity.
XX/XX/2023 - Emailed Bank to verify address to mail letter XX/XX/2023- Mailed signed letter asking to close my account
|
| 07/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened a checking and savings account on XX/XX/22 with I promo code for a {$400.00} bonus for having XXXX direct deposits and a {$500.00} savings balance on the XXXX day. I completed the requirements and now theyre saying my payroll direct deposits dont qualify for the bonus.
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
A payment was made on the account on the XXXX of XXXX, and on XXXX of XXXX, but the payments were pulled from the wrong account. I was a victim of identity theft, and that account was closed. I have been dealing with this issue, since XXXX of XXXX.
|
| 12/28/2022 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
Servicemember |
|
I purchased a pizza on XXXX for delivery on XX/XX/XXXX. Pizza was never delivered. I sbmitted a complaint on the website and did not a response. I call the bank and multiple times and they did not assist.
|
| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The central trust bank has failed to provide me with information regards to this account with the account # XXXX that was opened XXXX XXXX with an missed payment dated XXXX XXXX.
|
| 05/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Every month I receive a text message and email alert when a credit card payment is due. These consistently have the wrong payment amount due.
|
| 01/26/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 01/09/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 08/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 05/02/2023 |
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 |
|
|
|
| 04/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 03/18/2023 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 02/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
|
|
|
| 02/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 01/21/2023 |
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 |
|
|
|
| 01/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 06/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
|
| 04/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|