| 08/01/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
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On XX/XX/XXXX of 2022, I had done XXXX transactions. The amount was {$21.00} through XXXX. The others were {$21.00} through XXXX XXXX. I was supposed to have sent {$40.00} to a seller for some virtual items for a video game, but we were having issues getting the last {$20.00} to them so we had to use XXXX XXXX.
The reason there is XXXX transactions is because I had sent the money to a receiver that the seller told me to send the money to, but after I had sent it, said the receiver was having issues retrieving the money. They gave me another person 's information to send the money to. However, the seller never gave me the virtual items and I had to file a dispute with my bank - International Bank of Commerce. On top of this, the seller suddenly disappeared from social media so it wasn't as if I could easily get my money back. I explained the situation to IBC and they gave me temporary credit.
Now, over the weekend, I was given a letter saying that they were going to remove this temporary credit on XX/XX/XXXX because they found no errors in that instance. It is currently XX/XX/2022 at the time of me typing this out. I called IBC and asked why they would do this because I still don't have the items and the seller still disappeared. I can't even get a hold of them. They then said that the situation was out of their hands and I would have to contact local law enforcement.
I contacted local law enforcement and they looked at me very confused. They actually told me there was nothing they can do because it was through XXXX XXXX. Essentially, I am now out of the total amount of {$65.00}. I am very mad that I was not prot
ected AT ALL by IBC Bank and I am demanding my money back. Now that I know IB
C Bank does NOT care about your money or the consumer, I will be closing the account soon once this matter gets resolved. DO NOT bank with them.
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| 09/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I was made aware by requesting my consumer reports with XXXX XXXXXXXX XXXX XXXX XXXX XXXX that a checking account with International Bank of Commerce was opened fraudulently under my name on or about XX/XX/2020 and closed XX/XX/2020. XXXX XXXX XXXX opened a checking account under my name without proper verification, and due to their carelessness and lack of security there was fraudulent activity done on this account that triggered a criminal investigation. I have never applied for an XXXX Checking account, and I don't understand why or how this happened. XXXX refused to follow protocol and procedures in attempting to alert me of this account that was opened without my knowledge. I find out 2 years later about this account, and was never notified? In the past, I have received letters from XXXX XXXX, and XXXX XXXX XXXX via USPS mail alerting me that an account was attempted to be opened under my name, but that it was unsuccessful due to not being able to verify my identity. During these instances, I went to my local XXXX XXXX and XXXX XXXX XXXX and thanked the branch managers personally for taking care of their banking customer and non-customers security. I honestly dont know what makes XXXX different from performing standard security procedural protocol to protect their customers and non-customers which is why I seek your assistance with my complaint to come to a resolution regarding this matter. Furthermore, the following phone numbers on these consumer reports XXXX, XXXX, and XXXX have never been associated with me. Also email address of XXXX and XXXX has never been associated with me, and lastly XXXX XXXX XXXX XXXX, Texas XXXX and XXXX XXXX XXXX XXXX never been associated with me. I will attach a copy of my Drivers License which clearly shows XXXX XXXX XXXX, Texas as my correct address.
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| 08/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
Older American |
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This is an annex to complaint number XXXX since in said process I did not allow myself to add pdf files that are very important to add to the answer.
I am not at all satisfied with the banks response. They just simply replied that the fake signatures of the contract that originated the loan were not necessary in the first place. So why did they insisted so much in getting my signature and my wifes signature on the last renovation? How can a Bank, operate on such low compliance standards? I demand a full investigation to their procedures so that the CFPB can identify such irregularities.
My daughter subscribed a personal loan on my behalf without my knowledge, using forfeit signatures of me and my wife, she used the money I had on my savings account as collateral for such loan. I entered a complaint at XXXX and have not received any answer to this day.
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| 06/25/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Fee problem
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Web |
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On XX/XX/2022 I went to the ATM machine to check on my balance and I got a slip with a positive balance of {$1.00} and change... So since I got a positive balance slip I decided to get my overdraft courtesy of {$500.00} dollars and then I got a negative balance slip which I understand plus a fee of {$35.00} of which I understand but what I don't understand is why I got XXXX more overdraft fees the next day If I thot all my transactions were paid since I got a positive slip and also in my PC online banking gave me a positive balance. And this has been going on for XXXX I have been a loyal customer for years The response I get from XXXX is we can only help you with XXXX XXXX fee every XXXX XXXX Thanks
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| 06/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
Older American |
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My daughter subscribed a personal loan on my behalf without my knowledge, using forfeit signatures of me and my wife, she used the money I had on my savings account as collateral for such loan.
I entered a complaint at IBC and have not received any answer to this day.
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| 05/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX caused late payment bank was notified and said it was okay still reported late payment
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| 10/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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| 06/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Referral |
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| 04/15/2022 |
No |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Referral |
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| 04/11/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Phone |
Older American |
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| 03/10/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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| 02/22/2022 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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Phone |
Older American |
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