GREAT WESTERN BANCORP, INC. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
01/08/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CO
  • XXXXX
 Web
This complaint, against Great Western Bank, is part of a money laundering ring that is the subject of five other currently active CFPB complaints. ( For your reference, those claim numbers are XXXX-XXXX, XXXX-XXXX, XXXX-XXXX, XXXX-XXXX, XXXX-XXXX. ) Im also in the process of submitting two additional complaints ( against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) but dont have claim numbers yet. The money laundering scheme took place over many decades and involved operators at multiple banks using check endorsements to transfer money to numerous different accounts either to conceal the location of the money with bogus account numbers or to monetize the checks with each stamp allowing for double, triple or quadruple the value of the checks written amount. Many of these checks were forged duplicates of legitimate checks I had written and were put to use for money laundering by criminal operators at the banks where I held my checking and savings accounts. The role of Great Western Bank in the criminal conspiracy is unique and is evident in two separate circumstances : 1 ) A loan I had at XXXX XXXX XXXX was evidently sold to Great Western Bank despite the fact that this appears to be a violation of the Note & Security Agreement on the loan contract. HOWEVER, even before Great Western Bank bought my debt, Great Western Banks FEIN number not XXXX XXXX XXXX was appearing on certain transactions in my bank statements. ( One of the tactics money laundering operators at my bank was using was setting up duplicate payments and then diverting the ACH Return Entry to a different account. It was on these return entries that Great Western Banks FEIN number was appearing. ) 2 ) I was forced into bankruptcy two different times by this criminal operation and was ordered to make payments to the Federal Bankruptcy Trustee for District XXXX ( Nebraska ) XXXX XXXX. Duplicated/forged checks made out to XXXX were often moved through Great Western Bank, XXXX XXXX SD, into account # XXXX. Bankruptcy Court is required by Federal regulations to use a XXXX XXXX XXXX, and Great Western Bank is not a XXXX XXXX XXXX. So, was Trustee XXXX illegally using a non-XXXX XXXX XXXX or are these examples simply forged duplicates of the payments I made to XXXX that someone at Great Western Bank was transferring to accounts set up to receive laundered money? Evidence : Please see attached documents for the evidence referred to in the following descriptions. p. 1 : On XX/XX/XXXX I made a payment to XXXX XXXX XXXX of {$500.00}. This was a loan payment on a truck I bought. Duplicate payments were made ( by the conspirators ), and I received a return receipt ( though I have no idea where the refund actually went ). It says the return went to account # XXXX, though someone handwrote my account number on the return. But the return statement said it was being returned from FEIN # XXXX. That FEIN number does not belong to XXXX XXXX XXXX. It belongs to 7 Nebraska branches of Great Western Bank. The original truck loan was later transferred on XX/XX/XXXX to Great Western Bank, and the FEIN # stayed the same. p. 2-3 : Note and Security Agreement with XXXX XXXX XXXX XXXX XXXX for the purchase of the truck dated XX/XX/XXXX. Loan # XXXX. On the bottom of the note, the disclosure statement says that the loan is between XXXX XXXX XXXX XXXX , XXXX and XXXX XXXX XXXX XXXX XXXX and the debtor ( me ). p. 4 : First payment to Great Western Bank on XXXX shows FEIN # XXXX as note owner. p. 5 : Letter notifying of full payment of loan # XXXX and cancelled note from Great Western Bank XXXX. So, who owns this note? XXXX XXXX XXXX? Great Western Bank XXXX? All the branches of Great Western Bank tied to this routing number? If the security agreement specifically states that the loan is between XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and me, why is Great Western Bank involved at all? Or, what if both banks actually own the complete amount of debt probably with a different note number? I made my standard payment of {$500.00} every month, and the money launderers created a forged check for each of those debts. Quite possibly, both payments would be used for money laundering every month, each monetized multiple times allowing $ XXXX {$45000.00} in dirty money to be cleaned each month. I know that the money laundering operation had created at least 5 sets of unauthorized checks for my accounts. They may have used checks from any or all these accounts to make payments every month toward the debt in my name. Since those payments were redundant, they would have been returned but they were diverted to a different account, not mine. How is Great Western Bank involved in the money laundering and who is benefiting? Are they legally allowed to buy my debt anyway? When I made bankruptcy payments in XXXX, they went into an account that already listed a minimum balance of {>= $1,000,000}, according to Bankruptcy Court paperwork. I think the criminal operation had been laundering money through me into this account beginning as early as XXXX. By XXXX, when they put the bankruptcy process to use for money laundering, the account already contained XXXX XXXX less than {$10.00} XXXX. Multiple truck payments could be just one explanation for how money was ending up in this account. Or they may have used other businesses as unwitting mules like me for additional money laundering. Im not certain Great Western Bank XXXX XXXX, SD account # XXXX is the account that received this {$10.00} XXXX but its a good guess and worth investigating. Who owns this account? Where did the {>= $1,000,000} come from and where did it go? According to Great Western Bank, this account is a trust with XXXX XXXX listed as a trustee of this account, but I dont know the holder of the trust. p. 6 : My account statement at US Bankruptcy Court listing account minimum balance as {>= $1,000,000}. I dont know if this money was in GWB account # XXXX, but it is a good possibility. p. 7 : Check # XXXX PAY TO THE ORDER OF : XXXX XXXX XXXX Trustee {$2000.00}. XX/XX/XXXX Stamp endorsement PAY TO THE ORDER OF GREAT WESTERN BANK, Routing # XXXX account # XXXX. The signature is a very blatant and obvious forgery, a duplicate of a bonafide payment I had made. p. 8 : Check # XXXX PAY TO THE ORDER OF : XXXX XXXX XXXX {$2000.00} 1. Endorsed at Great Western Bank XXXX XXXX, S.D. ( Routing # XXXX ). Additional # XXXX ( not sure what it refers to ) on XX/XX/XXXX on back 2. Endorsed at Great Western Bank XXXX XXXX, S.D. ( Routing # XXXX ) Additional # XXXX ( not sure what it refers to ) on XX/XX/XXXX - on front 3. Endorsed at Great Western Bank XXXX XXXX, S.D. ( Routing # XXXX ). Additional number # XXXX ( not sure what it refers to ) on XX/XX/XXXX 2nd time on back 4. Endorsed at XXXX XXXX XXXX Mn. ( Routing # XXXX ). Additional number # XXXX ( not sure what it refers to ) on XX/XX/XXXX 5. Endorsed at XXXX XXXX XXXX, XXXX, Ga./XXXX, IL ( Routing # XXXX ). Additional number # XXXX ( not sure what it refers to ) on XX/XX/XXXX on back 6. Endorsed at XXXX XXXX XXXX, XXXX, Ga./XXXX, IL ( Routing # XXXX ). Additional # XXXX ( not sure what it refers to ) on XX/XX/XXXX on back Why was this check stamped on the front and the back, 6 times total? Was it endorsed for each stamp? How many of those transactions deposited money? Is it possible to endorse a check from XXXX, Ne. to XXXX XXXX S.D. to XXXX, Mn. to XXXX, Ga. in 2 days? Perhaps its possible with XXXX but whats the purpose of moving the money to so many different banks and different accounts? p. 9 : Check # XXXX PAY TO THE ORDER OF : XXXX XXXX XXXX Trustee {$2000.00}. XX/XX/XXXX This check is endorsed twice at Great Western Bank ( routing # XXXX ) XXXX XXXX, SD. It supposedly goes into account # XXXX. Is it just stamped twice or was it monetized twice? This is not a XXXX XXXX XXXX. US Bankruptcy Courts are required to use a XXXX XXXX XXXX. So, either XXXX is breaking Federal regulations by using a non-XXXX XXXX XXXX for US Bankruptcy Court transactions or she or an employee of Great Western Bank is using this account ( and my Bankruptcy payments ) in a way that is totally unrelated to her legal Bankruptcy Court responsibilities. p. 10 : Check # XXXX PAY TO THE ORDER OF : XXXX XXXX XXXX Trustee {$2000.00}. XX/XX/XXXX. It supposedly goes into account # XXXX. p. 11 : XXXX XXXX Check # XXXX PAY TO THE ORDER OF : XXXX XXXX XXXX Trustee {$2000.00}. XX/XX/XXXX 1. Endorsed at Great Western Bank ( stamp virtually illegible ). Its hard to read, but I believe it specifies Account # XXXX. 2. Endorsed at Routing # XXXX ( Great Western Bank XXXX XXXX, SD ) on XX/XX/XXXX - front 3. Endorsed at Routing # XXXX on XX/XX/XXXX ( Great Western Bank XXXX XXXX, SD ) 2nd time on back 4. Endorsed at Routing # XXXX on XX/XX/XXXX ( Great Western Bank XXXX XXXX, SD ) 3rd time on back 5. Endorsed at Routing # XXXX ( XXXX XXXX XXXX ACH Ga. ) with additional number XXXX not sure what it refers to ) # XXXX on XX/XX/XXXX front 6. Endorsed at Routing # XXXX ( I can no longer find this number in routing search tools but previous research indicated it was XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, Ga XXXX. Additional number listed # XXXX ( not sure what it refers to ) on XX/XX/XXXX 7. Endorsed at Routing # XXXX ( can no longer find this number in routing search tools but previous research indicated it was a XXXX XXXX XXXX XXXX in Atlanta, Ga XXXX ). Additional number XXXX ( not sure what it refers to ) on XX/XX/XXXX 8. Endorsed again at Routing # XXXX ( can no longer find this number in routing search tools but previous research indicated it was a XXXX XXXX XXXX ACH in XXXX, Ga XXXX ). Additional number XXXX ( not sure what it refers to ) on XX/XX/XXXX One check. Eight endorsements. Is this possible? It was endorsed 4 times just at Great Western Bank! What legitimate purpose could there be for moving it so many times? How many of these are actual transactions? Thats 8 opportunities for corrupt bankers to hide dirty money. If each stamp does in fact represent monetization, this check alone is worth {$16000.00} in laundered money. Finally, why is XXXX XXXX, the Federal Bankruptcy Court Trustee for the state of Nebraska, doing most of her banking in the state of South Dakota? Notice there are different routing numbers supposedly going to Great Western Bank XXXX XXXX ( according to the stamps ) : XXXX and XXXX. Whats the difference? Where is the money actually going? The money XXXX XXXX Ive documented with hundreds of checks ( described in this claim and my other claims ) demonstrates collusion at a minimum between XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, Ne., Great Western Bank , XXXX , Great Western Bank , XXXX XXXX , SD and US Bankruptcy Court Trustee XXXX XXXX .
06/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • AP
  • XXXXX
 Web
I originated my account with Great Western Bank in XXXX XXXX SD in XXXX. The same year I moved to XXXX and continued to bank with Great Western Bank. During my time in XXXX I needed to have my bank visa debit card replaced on three occasions. The first time XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Branch agreed to send me my bank card by currier in advance and then collect payment from my account on or after the XXXX of the following month. Unknown to myself When XXXX went to take payment for the currier expense the money was not there as I had paid bills in XXXX. Instead of informing me of this XXXX met with her manager XXXX XXXX and both ladies agreed to waive the cost and agreed to not allow me to receive my card in advance in the future. While I remain grateful this was done both women failed to inform me of this change which meant that when I needed a replacement card the third time. I was told that I had to wait until the XXXX of the following month for my replacement card. I was upset by this because as a consumer I have the right to be informed of changes in procedures or policies. I was never informed neither was I given an invoice for the cost or the chance to remedy for the lack of funds such as arranging to collect the following month. So that when I needed my third replacement card I was told that I had to wait until the third of the following month. The most recent replacement card request was made on or around XX/XX/XXXX or XXXX XXXX. My complaint is this : I have the right to be informed of changes in policy or procedures. I did file a complaint with the bank and instead of apologizing I got railroaded. Notes were added to my account so that when I call the number on the back of my bank visa card employees are told to route my calls to either XXXX XXXX in XXXX XXXX SD or XXXX XXXX in XXXX XXXX, SD. Because of these restrictions I am denied the right to request small changes that customers can normally request by calling the number on the back of my bank visa card. I got help from a friend who deposited a modest sum of money into my bank account to cover the cost of currier so that I could get my third replacement bank visa card on time. Had I been informed of the change in procedure I would have known to be more prepared to ensure the money was there for payment to avoid waiting. Had I waited until the third my card would not have arrived until a week later which would have affected my bill pays. I have the right to be informed of changes made on how my account is handled and I have the right to be able to call the toll free number on the back of my bank visa card and get the help I need without being limited to or restricted to speaking to two personal bankers. As a consumer I feel that I am being railroaded by this bank and punished for lodging a valid complaint. Prior to my complaint I was able to call the number on the back of my bank card and get the help I needed. The only time I was required to deal with XXXX XXXX directly was to request currier delivery of my bank card. Again I remain grateful to XXXX for waiving the cost of the currier expense in the past. My complaint is I have the right to be informed of changes made and to be fair I have the right to be given the opportunity to remedy for the lack of funds by being presented with an invoice for cost of currier and then the funds taken the following month as needed. I never asked for this cost to be waived this was done without informing me. I was not aware of this. Neither was I given the opportunity to remedy this. I was also not told of the changes in procedures. My right to be informed of changes in their procedures in relation to handling my replacement card was breached and my right to receive reasonable help by calling the number on the back of my visa card is now breached as there are notes on my account to route all my calls to either one of the aforementioned personal bankers. I was not informed these notes were put on my account until I called the number on the back of my visa card. Then the employees informed me of these notes to route my calls to one of two personal bankers. Also I lodged a dispute with a company I did business with and whom I am not satisfied with their services. I lodged this dispute through Great Western bank who told me they do not allow customers to speak to their disputes team. This obliges me to relay my details to a banker who forwards my details to the dispute team. As a consumer I have the right to speak to the dispute team. I am denied this right and obliged to relay my details through various bankers depending on who answers the phone when I call. Also I was told that XXXX XXXX and XXXX XXXX do not handle disputes which then sets me up to fail when I call and am informed that my calls must be routed to either XXXX XXXX or XXXX XXXX. I find this system of communication very annoying and inconsiderate of my rights as a consumer. Respectfully Submitted by XXXX XXXX
04/11/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • NE
  • 68022
 Web
I started asking in XX/XX/XXXX for someone to call me about my HILOC coming due. I asked in XX/XX/XXXX and again in XX/XX/XXXX when I visited the branch office. Finally in beginning of XX/XX/XXXX, I called an asked the persons name and location to have a face to face conversation. She gave me a short list of things to get and said they can do a 90 day extension. I brought the items to her. I received a regular bill for XX/XX/XXXX and paid it. Two weeks later I was told I needed 2 years tax returns, which I did not have. ( I have an email from customer service that said my loan was extended in XX/XX/XXXX ) Because I did not have my previous tax return, I was advised I could not do another HILOC, I had to do a morgage instead. She sent my info to XXXX to do a morgage. He contacts me several days later asking for the same info and he told me she could not have done a HILOC in XX/XX/XXXX due to the account was past due, this is now mid XX/XX/XXXX. I advised I did not have the tax returns, they were with XXXX, and due to their policy change I had to wait to file to get access to previous returns. I startged getting late notices for XX/XX/XXXX and my credit was being ruined, there was no extension, or it was reversed. I got the irs to send me my tax return so i could get the loan done, I had been approved just needed the copy he said. I did not hear from XXXX for several weeks and I started calling again. He finally sent me the loan docs, 6 days before closing. Then these doc 's had to be changed, and I could not view them till I got into the office to sign. No discussion was held with me what I wanted, the bank decided to lock me into a 10 yr morgage with payments nearly half my income and made me escrow my taxes and ins, which I did not want. I am borrowing about 60 % of value of home. I asked if I had to have auto pay, he said no, I can pay when ever I wanted which was good, i wanted to pay earlier to cut down on interest. He called 2 weeks after loan is signed asking for my drivers license info. Now I am now being told I have to go on auto pay and they can only pull my regular payment 1 month after the loan is signed. I feel I have been lied to and misslead the entire time with what I wanted to hear just to keep the loan with them. I feel they had me in a corner and i could not get out of, this is now 60 days and was another mark against my credit. To go anywhere else, would have taken more time and a possible forclosure, yes they sent a forclosure threat even though they were refinancing me. To go somewhere else now will cost me anotehr XXXX in closing costs. I want someone to look into their deceptive practices.
04/19/2018 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • GA
  • 30238
 Web Servicemember
My loan was originated by XXXX XXXX XXXX ( GWB ) XXXX XXXX XXXX SD on XX/XX/XXXX, and on XX/XX/XXXX, the loan was sold to XXXX XXXX XXXX ( XXXX ) and was done so without a Deed of Trust ( DOT ) being delivered or recorded to the XXXX County Registry of Deeds. As this did not stop GWB from owning the debt or XXXX from owning the debt, it made the loan an unsecured debt. The Note was signed by GWB XXXX XXXX XXXX XXXX for the sale onXX/XX/XXXX, and XXXX on XX/XX/XXXX submitted and got accepted my loan for XXXX XXXX XXXX XXXX created XXXX which XXXX XXXX XXXX XXXX XXXX endorsed in blank the Note ( XXXX ) on or about XX/XX/XXXX, as with all loan placed into the XXXX XXXX. On XX/XX/XXXX it was discovered that there was no recorded Deed of Trust at the XXXX County Register of Deeds Office so on XX/XX/XXXX, GWB who had no remaining financial interest in the loan, illegally had recorded the DOT XXXX recorded on XX/XX/XXXX, @ XXXX XXXX. GWB knows they sold the loan 21 days before the recording as did XXXX who never applied for an Assignment of Deed of Trust because the act as with the initial recording is against the law. XXXX on XX/XX/XXXX, had XXXX XXXX XXXX ( XXXX ) start mortgage servicing all XXXX XXXX Fed Gov loans ( FHA & VA ) without purchasing as with the program XXXX XXXX has possession of the blank Notes to prevent any sale ever of the loans. Wells purchase the building the loans were housed in XXXX WI, and hired the XXXX employees, as a physical possession was taken loan files with Wells as custodian of records as well as servicer, making it impossible for the loans to every be returned to XXXX. On XX/XX/XXXX, the XXXX seized XXXX and the FDIC declared it a " failed bank '', and the bank was defunct on that day. The debt stop existing as the bank stop existing and XXXX had no way to approach the court being a non-existing entity. XX/XX/XXXX, the law firm that hired in XXXX XXXX XXXX XXXX out of XXXX XXXX, who had their attorney that was the head of the foreclosure Dept XXXX XXXX as neither XXXX of XXXX was license to do business in Nebraska as they were not registered at the State Attorney Office, as XXXX has never been authorized to do business in NE. XXXXXXXX XXXX as an Assistant Secretary for XXXX forged Assignment of Deed of Trust XXXX to make it appear that GWB sold the loan to XXXX when in fact GWB had no financial interest in the loans. My home was illegally foreclosed on XX/XX/XXXX address XXXX XXXX XXXX XXXX ( XXXX ) NE. {$250.00} property without that debt, that was my property free of XXXX debt!
05/31/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • OH
  • 45103
 Web
I divorced in XXXX at which time all mortgage liabilities were transferred to my ex wife.The mortgage in question was a second mortgage on her primary residence with Great Western Bank. This mortgage went into foreclosure after our divorce at which time Great Western Bank sent a letter of reinstatement to my ex wife, in her name only, with an offer to reinstate the mortgage and accept a {$20000.00} grant from Ohio Save a Dream. The reinstatement offer letter demanded that I also sign the " CIT '' " Change in Terms '' documents which were sent to the closing with the Save a dream grant. This closing took place in XX/XX/XXXX My ex wife informed both Ohio Save A Dream and Great Western Bank ( and their legal firm/XXXX XXXX ) that I REFUSED to sign a " CIT-Change in Terms '' I also did not attend this loan closing for the grant or reinstatement. Although I refused to comply with the " CIT-Change in Terms '' reinstatement requirements or accept the grant funds for the {$28000.00} in legal fees charged in connection with this reinstatement, Great Western Bank continues to hold me as the SOLE signer obligated to this mortgage and has filed collections against my credit which has negatively impacted my credit score and causing me irreparable financial damages.

My ex wife and myself have contacted Great Western Bank, ( XXXX XXXX ) and XXXX XXXX XXXX ; all parties involved in this transaction to no avail. Great Western Bank allowed this reinstatement without my signature or consent although it was demanded as a prerequisite for this mortgage reinstatement.

I am requesting a full investigation into this matter and the removal of this illegal charge against my credit report. I am in no way obligated to pay for this mortgage per my divorce decree which was given to Great Western Bank/XXXX XXXX XXXX and per my refusal to sign the " Change In Terms '' agreement as demanded in the attached letter from Great Western Bank/XXXX XXXX XXXX This company continues to harrass me and refuses to correct my credit immediately although they have clearly violated my consumer rights and protection under the CFPB policies.

Copies of the signed Change in Terms and reinstatement closing documents have been requested from all parties however Great Western Bank/XXXX XXXX XXXX and XXXX XXXX have refused to provide these documents. I also request the CFPB investigate all parties to this claim. Each has violated my rights and impacted my credit rating irreparably due to this negligence.

06/06/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • IA
  • 502XX
 Web
The dates are not exactly clear because we've had different responses from Great Western Bank. They've refused to work with us. They also sent us a letter saying to stop contact with them, and accused us of harassment. In mid XXXX of XXXX our bank account was levied for a unpaid credit card. I had deposited my check on a Friday and Monday morning my card was declined. The XXXX county sherrif department issued the XXXX. Great Western Bank honored the XXXX putting account at XXXX balance. Then they charged us {$90.00} for a XXXX fee causing account to go negative. There were bills pending prior to XXXX XXXX XXXX XXXX XXXX XXXX, causing account to go further in debt we were unable to do anything at that point. On XX/XX/XXXX the account was charged off, and by the end of XXXX was sent to collections. My wife 's grandmother had passed away in the beginning of XXXX. We believe there were possible funds that were to be deposited into that account. The manager of Great Western Bank in XXXX XXXX Iowa knows all of us personally. There is a great conflict of interest concerning this matter. My wife was a signer with her grandmother who also had a account at great Western Bank. They refuse to give us any information. The XXXX county sherrif deptmart XXXX was supposed to last 4 months. We had no chance of recovering the account, and the XXXX left us financially ruined. Also we found out there was a great Western bank account set up in XXXX with my wife and her mother in there maiden names. They both did not have there maiden name in XXXX. We inquired with the bank about this account and they told my wife she wasn't entitled to any information about the alledged account. My wife had that account since she XXXX years old her grandmother set it up for her. She later added me to account and the XXXX was my responsibility. There were pending child support payments as well.
10/20/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • CO
  • 80503
 Web
On XX/XX/XXXX and XX/XX/XXXX, I had numerous unauthorized charges hit my Great Western Bank checking account from XXXX. I didn't see them until XX/XX/XXXX and at that point, my account was overdrawn by almost {$500.00}. I saw that on XX/XX/XXXX, the bank had already charged me a {$170.00} overdraft fee. I called XXXX and disputed the numerous charges and they agreed to refund all of them but stated it could take 3 to 5 days to complete the refunds.There were also several pending charges that they cancelled for me. I notified my bank of the situation and that the charges were being refunded. I asked at that time if they would be able to refund me the overdraft fee once the account was refunded. The teller I spoke to said that she would pass on the request to her branch manager. The next day, I checked my account. About half of the unauthorized charges had been refunded, but I saw there was a second overdraft fee in the amount of {$170.00} from my bank. I called them again and asked why they were continuing to charge my account. The branch manager said that due to the fact that the charges were not a bank error, they would not be refunding the overdraft fees. I explained to her the impact that the total of {$350.00} in fees was having on my account and tried to persuade her to reconsider. She adamantly refused, stating not only would she continue to charge the fees, but that she was obligated to. She began to argue the validity of my claim that the charges were not authorized. I reminded her that XXXX had agreed that they were not which is why they were issuing me a refund. She was completely unwilling to work with me. By XX/XX/XXXX, the unauthorized charges had been completely refunded and the overdraft fees remain. I believe my bank should refund the fees due to the fact that the unauthorized charges were the cause of my account becoming overdrawn.
05/02/2018 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • GA
  • XXXXX
 Web Servicemember
I have reviewed the answer Great Western Bank ( GWB ) claiming they did not have a record of the property address with it actually XXXX XXXX XXXX XXXX XXXX XXXX but the address on the Note is XXXX XXXX XXXX XXXX NE XXXX, which because this was a new subdivision right off XXXX XXXX it was listed wrong, however the legal description is XXXX XXXX, XXXX XXXX XXXX, a Subdivision as Surveyed, Platted and Recorded in XXXX County, Nebraska. The Deed of Trust can only be recorded by a party that has a financial interest in the loan which as GWB sold the loan to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, their financial interest ended that day. XXXX XXXX up and the documentation proves the facts. Nebraska Statute 76-238 instructs that the Deed not enforceable until it is delivered and recorded. GWB by law needed to have had the Deed of Trust delivered and record before XX/XX/XXXX, anything after that point GWB does not have the right to try and correct the error that was not caught until XX/XX/XXXX, when the loan was accepted into the XXXX XXXX XXXX XXXX. XXXX is not and never has been approved to do business in the State of NE. NE Statute 21-20,168 demands that Foreign corporation apply and receive a certificate of authority. XXXX used the position of mortgage servicer to have a " Forged '' title created, however, they were caught and confess that they were not the owner of the debt when I made the OCC obtain the Note from XXXX. XXXX spotted the lack of the Assignment of DOT and GWB 's error and used that to make it look as if GWB sold the debt XX/XX/XXXX! GWB is an accomplice in this fraudulent activity that illegally foreclosed on my property.as it started with there violating the rules.
01/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OH
  • 451XX
 Web
Unfair, Deceptive, Abusive acts and practices against me and my ex husband by XXXX XXXX XXXX and XXXX XXXX XXXX regarding a foreclosure action against me in 2014 and subsequent reinstatement of the mortgage without my ex husbands consent replacing the reinstatement in his name without his express knowledge/authorization of this act. ( letter admitting GWB and XXXX XXXX XXXX reinstated the loan without my ex husbands consent in addition to receiving {$20000.00} in Save the Dream grant funds enclosed ). I have file numerous complaints against both parties noted above to no avail. They continue to deny they " reinstated the loan '' although the letter from their law firm clearly indicates they did so. They erred and placed the loan solely in my ex husbands name causing him credit issues although I have contacted them numerous time to correct this issue they continue to refuse. This has caused tremendous financial hardship for myself and my ex husband. GWB has refused to place the loan in my name and remove my ex husband from the loan although they clearly admit they reinstated the loan without his consent after accepting the grant funds to cover over {$28000.00} in legal costs which are also excessive and abusive. I am attaching the letter from GWB/XXXX XXXX XXXX proving they indeed reinstated the mortgage and kept it in my ex husbands name without his knowledge.
08/28/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • IA
  • 500XX
 Web
Great Western Bank. On XX/XX/XXXX, I authorized a payment for the morning of XX/XX/XXXX for {$100.00} to be paid to my credit card from my checkings account. They posted the payment on XX/XX/XXXX. They never credited the amount to my credit card, but took the money out of my account, over drafted and charged me, and put the {$100.00} back in my account. If they had charged me on the authorized date, the payment wouldnt have been overdrafted. Secondly, my bank account is not allowed to go negative for any sort of payment. And then, on XX/XX/XXXX, somebody reauthorized that exact same payment. I did not authorize the payment a second time. They once again over drafted me and charged me for it and then returned the {$100.00} never at any point crediting it towards the account it was supposedly paying. In total, they charged my account at least {$150.00} in overdrafts and return fees for one payment that did not get posted on the Authorized date, and then got reauthorized by someone to overdraft and charge me more. They are literally robbing me and not only am I out the {$100.00} that I need to pay my credit card company, they affected my credit score significantly by delaying and not processing the transaction correctly and then recharging me unauthorized.
11/17/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • MN
  • 551XX
 Web
I have twice tried to make a change to one of my accounts with Great Western Bank. I need to change my money market account ending in XXXX to their " Basic Savings '' savings account. I originally made this request on XX/XX/18 by secure message while logged into my Great Western Bank profile. I received a response from the bank that my request would not be accommodated and was instructed to either visit a branch location or call their customer service number by phone. I next tried to make this change by calling their customer service number on XX/XX/18. I was told my request to make this change would not be accommodated and that I needed to visit a branch. I bank online. I am a XXXX XXXX. I work Monday-Friday from roughly XXXX XXXX until XXXX XXXX. I do not have access to a Great Western Bank physical branch because I can not visit a branch during my work hours. Great Western Bank is not open on weekends and is not open beyond my work hours Monday-Friday. I opened my accounts online and bank online exclusively. I have made a reasonable request to the bank. I asked the bank to change my money market account to a savings account. They twice refused this request even though my identity was confirmed.
09/18/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NE
  • 68046
 Web
A couple of months ago I need a one-time transaction to pay my premium to a phone insurance company called XXXX XXXX XXXX.This is the only interaction I've ever had with this company as my phone insurance is deducted for my phone company and not the actual insurance company. So to be clear I've given the phone insurance company my card number one time to pay the deductible. Over a month later I was been charged {$210.00} without my knowledge by the same company. I do not have any kind of contract or agreement with this company and I certainly did not give them permission to keep my card on file or ever use it for any other transactions again. They are claiming I did not send back the original phone however they provided the envelope the tracking and I simply put the phone in the envelope and sent it. My bank is now refusing to return the money to me claiming that I have a contract with this other company. I have asked numerous times to see the proof of how or when I authorize this charge and I'm not being provided with anything.
04/09/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NE
  • 685XX
 Web Servicemember
On XX/XX/2020, I contacted my bank in order to stop an automatic debit payment for an insurance company I no longer do business with. I initially spoke with customer service personal, who advised me I could not stop the automatic debit payment from happening. I demanded to speak to another person and was connected to my " banker '' in XXXX XXXX, XXXX at one of the 2 Great Western Bank locations. I was again told it was impossible for me to stop the automatic debit payment due to laws and regulations regarding banking in the United States. The conversation became heated, the individual refused to give me her supervisors name, and I do not remember her name. The " banker '' used the current pandemic situation as her reason for not giving me her supervisors name. Great Western Bank will not allow me to control my account in accordance with federal law, specifically the right to stop automatic debit payments.
05/11/2021 Yes
  • Money transfer, virtual currency, or money service
  • Foreign currency exchange
  • Fraud or scam
  • NE
  • 68025
 Web Older American
XX/XX/XXXX I began sending money to a company called XXXX. It was sent from my bank, Great Western Bank to XXXX XXXX out of New York. XXXX XXXX then sent it on to XXXX via a service called XXXX. They were supposedly investing my money into Bitcoin. From XX/XX/XXXX until XXXX or XX/XX/XXXX I sent {$43000.00}. My account was growing rapidly up to $ XXXX by XX/XX/XXXX. Now I tried to begin withdrawing some of my money. At first they gave me the run around. Then they stopped communication all together. Subsequent efforts to withdraw money made it apparent that XXXX was a fake company. A company called " XXXX '' tells me that the bank as well as XXXX XXXX had a responsibility to protect me from the {$43000.00}. XXXX denies any responsibility and so does the bank. I have sent letters of request to the bank and to XXXX with no results. I will try to upload a copy of a letter sent to my bank.
10/29/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Unexpected or other fees
  • IA
  • 50501
 Web Servicemember
XX/XX/2018 I sold a XXXX through XXXX XXXX XXXX here in the XXXX XXXX IA. XXXX XXXX Check is through Great Western Bank here in XXXX XXXX IA. He mailed my check to me and I went to Great Western Bank XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX phone # ( XXXX ) XXXX and was told I need to pay a {$5.00} check cashing fee due to I am not a member of their bank. I refuse to let them blatantly steel my money. The check a issued by their bank and I will not pay the fee. I went and talked to the Branch Manger XXXX XXXX and she attempted to lie to me that all financial institutions charge this fee. I told her I will go file a complaint with the Feds and she told me to go ahead. I went to one of my banks and ask them if the same scenario a would happen, would the person be charged and my bank said no. Great Western Bank is a lier and thief. My complaint is filed.
01/27/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • SD
  • 570XX
 Web
I abandoned my mold ( XXXX, XXXX, XXXX as tested by an independent XXXX company ) house in XX/XX/XXXX. The house was sold XX/XX/XXXX. The foreclosure was final XX/XX/XXXX. The mortgage company, XXXX, is reporting that I am over 180 days late from XX/XX/XXXX to XX/XX/XXXX and had a foreclosure in XX/XX/XXXX. I have filed XXXX complaints with XXXX over the last 3 years with the last in XX/XX/XXXX. I have contacted XXXX directly. They have stated their information is correct and continue reaffirming that incorrect info to the credit agencies every time I file a dispute with the credit agencies. I have contacted XXXX directly and they will not provide me any documents showing their dates are correct. According to the court documents I have, their information is inaccurate, not factual and should be removed from my credit reports.
03/28/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • AZ
  • 85131
 Web
I have a Great Western Bank Checking account, over 2 years ago I asked to opt out of over draft protection, the bank told me I couldnt do this, which Im now seeing was a lie. Since that time Ive paid over 1,000 in overdraft fees my account once again became overdrawn and I am attempting to close it. The day I notified the bank I want to close my account it was XXXX overdrawn, I indicated I wanted to negotiate the balance I owed considering I was lied to about not being able to opt out of overdraft protection years ago. I was told over the phone to send a letter to an email address. I have did so on Monday and I still have not heard from anyone at great western about the account. It is now over 200.00 overdrawn.
12/18/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IA
  • 502XX
 Web
I have a health savings card through my employer. I had ordered some vitamins online, two products, and have the receipts for {$4.00} each. My health savings card was charged 4 times, 2 at {$69.00} and 2 at {$79.00}. I went to the bank that my employer uses for our XXXX account, filed a dispute, and they denied it. They did not ask any questions, just went by what the people who charged my card without authorization from me told them. I do not see how this should be allowed and not be taken care of by the people who I put my trust into, our bank. Our bank is Great Western Bank, and I talked with their acting manager, XXXX, at XXXX. I am furious over this. {$300.00} stolen from me and they will do nothing
10/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • VA
  • 20176
 Web Older American, Servicemember
Two issues that have not been reported correctly. Great Western Bank has reported late payments several years ago because multiple payments made at one time were credited to my account as one payment. XXXX Hospital XXXX has reported a collection account on a balance resulting from XXXX XXXX Co taking several months to pay entire bill. A collection referral is indicated but there was never any contact or collection activity pursued since the hospital was aware of the yearly deductible being met and the insurance company finalized the claim in three months. Both of these accounts have been paid in full for many years but still remain active despite contact several times to resolve.
06/07/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • AZ
  • 850XX
 Web
XX/XX/XXXX I opened my checking account with Great Western with {$3500.00}. Starting in XX/XX/XXXX, sometime before the XX/XX/XXXX I tried to enroll for online access. I continuously got error messages. I emailed the company XX/XX/XXXX. They told me to call. I did so, and was told I could try again. It seems my account had been flagged for fraud and a hold was placed. After they confirmed my identity they told me the hold had been lifted. It was not. I exchanged more emails from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I tried again and called. My access was still barred.
07/02/2020 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • XXXXX
 Web Older American
I contacted Great Western Bank and they did nothing, so I have filed a complaint with the local police department in Arizona. I am providing a large file, which includes documentation and a small document showing my email to XXXX XXXX, the main scammer. Please review the documentation and note that there is a similar complaint involving XXXX XXXX XXXX, but the complaint involving Great Western Bank is for the {$5300.00} and involves money mule XXXX XXXX XXXX XXXX. All this money was wired to the collection of scammers who pretend to be XXXX XXXX XXXX XXXX.
11/20/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Personal information incorrect
  • SD
  • 57201
 Web
My ex spouse had a credit card for his business as his worry free for a checking account. He was deemed responsible For this account in the divorce and did not remove my name. Later he filed bankruptcy and this account was to be closed. It has not been closed and is showing up on my credit record. My name is not spelled correctly nor am I sure I actually signed it. Someone did but?? So between the divorce decree and the closed status through bankruptcy the bank will not close or remove this from my credit record the amount was {$2000.00}
11/25/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NE
  • 68137
 Web
I was charged {$250.00} for smoking at the XXXX XXXX by XXXX XXXX OH XXXX. I don't smoke. My wife doesn't smoke. We didn't smoke at the hotel. When we attempted to resolve the issue with the hotel, they charged me {$300.00} for calling the front desk. Great Western Bank and XXXX refuse to reverse these fraudulent charges. Hotel stay was from XX/XX/XXXX to XX/XX/XXXX. Dispute was filed with bank on XX/XX/XXXX.
07/06/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • IA
  • 50010
 Web
1. The XXXX XXXX XXXX closed my account without notifying me the decision. And they did this exactly on the day after I emailed them checking about my account opening bonus status. 2. I have completed both requirements for getting the bonus but they simply avoided it by closing my account. 3. They won't reopen my account via phone and didn't give any explanation for why the bonus was forfeited.
10/09/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • IA
  • 50158
 Web
My account was placed on hold after I transferred {$2000.00} from my North Carolina account with XXXX XXXX XXXX to the new account at Great Western Bank. They will not give me a reason why it's on hold. I can not get anyone to give me more than there first name for identification. They say they can hold my money for 10 days with no reason why.
09/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • SD
  • 57106
 Web
I purchased football game tickets from a man on XXXX. I made the payment and never received the tickets. His facebook profile is now deactivated. I filed a dispute with Great Western Bank in XXXX XXXX and it was denied. They stated they had to follow 'Visa Rules '. Reg E rules always trump the network rules ....
09/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • ID
  • 832XX
 Web Older American
Great Western Bank keeps reporting a past account from XX/XX/2005as accurate which it isnt. I filed a chapter XXXX bankruptcy on XX/XX/2005 and it was discharged on XX/XX/2005. Case number is XXXX which is public records. I want this removed from my XXXX credit report or I will take legal action.
01/18/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NE
  • 68123
 Web
Multiple contacts by the lender to attempt collection from me on XXXX loans which were XXXX under chapter XXXX bankruptcy. The lender also has continued to report an active updated payment status monthly to the XXXX major credit bureaus.
09/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NE
  • 68123
 Web
XXXX XXXX is reporting XXXX XXXX listings closed as of XX/XX/2010. Under the FCRA, these should no longer be reporting as they are over 7 years old from date of last activity. Great Western Bank is now the owner of these accounts
02/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • NE
  • 68104
 Web
There not giving me my score to XXXX, cause they had discriminated me about my credit report and my score. Still ignoring me about it. XXXX, XXXX XXXX. Since now XX/XX/2018 still not improving my score. I guess court time
03/30/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • SD
  • 57107
 Referral
03/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NE
  • 68137
 Referral
02/11/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • AZ
  • 85204
 Web
10/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • SD
  • 57032
 Referral
08/23/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
Phone
05/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • SD
  • 57709
 Referral
04/05/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IA
  • 50315
 Phone Older American
09/24/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • OK
  • 73044
 Phone
07/30/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
Phone
07/14/2020 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Fee problem
  • SD
  • 57108
 Phone Servicemember
05/26/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SD
  • 57104
 Web
04/15/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NE
  • 68817
 Phone Older American
04/04/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • SD
  • 57103
 Web
03/17/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • KS
  • 67042
 Phone
03/02/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • IA
  • 50169
 Referral
02/20/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • IA
  • 50208
 Postal mail
10/09/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • IL
  • 60630
 Referral
10/07/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • CO
  • 80128
 Referral
08/30/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
Phone
08/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • AZ
  • 85711
 Postal mail Older American
08/02/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • TX
  • 77801
 Phone
06/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NE
  • 68822
 Referral
06/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
03/15/2019 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Problem with fees or penalties
  • CO
  • 80903
 Referral
01/23/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NE
  • 68601
 Postal mail
12/07/2018 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • IA
  • 50501
 Referral
11/23/2018 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 90404
 Referral
10/29/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
Referral
10/29/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • CO
  • 80516
 Referral
08/06/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • NE
  • 68765
 Web
07/23/2018 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Problem with fees or penalties
Referral
01/22/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NE
  • 68875
 Web
01/02/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • CO
  • 80547
 Referral
12/15/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55128
 Referral
11/14/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NE
  • 68147
 Phone
09/03/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • NE
  • 68154
 Web Servicemember
07/05/2017 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Lost or stolen check
  • NE
  • 68152
 Postal mail
05/05/2017 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • NE
  • 68521
 Referral
03/10/2017 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • IA
  • 50833
 Referral
02/03/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 94611
 Web
01/24/2017 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • SD
  • 57110
 Postal mail Servicemember
12/29/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • OH
  • 45157
 Web