PROSPERITY BANCSHARES, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/11/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX XXXXX	Web
On the weekend of XXXX XXXX and XXXX XXXX I experienced excessive restrictions on my Prosperity Bank Debit Cart due to excessive Fraud alerts when no fraud was present...This was an ordeal that I experienced on a weekend when Prosperity Bank was closed...I submitted complaint number: XXXXXXXX addressing the ordeal I experienced on the weekend of XXXX 1st and XXXX 2nd 2020...I am submitting documentation in this complaint as evidence that due to needing to file a chapter seven bankruptcy...i was already under tremendous pressure and stress that weekend and that due to being forced to make phone calls I should never have had to make in the first place as the fraud alert system been working correctly...That i acted under duress when I said the things I said a duress caused by stress that I was already experiencing..The purpose of this complaint is this...Prosperity Bank Retaliated against me and sent me a letter dated XXXX XXXX 2020 but not mailed until XXXX XXXX 2020 a letter that I just picked up from my mail box today XXXX XXXX 2020...The day that I entered Prosperity Bank to seek help with faxing my pay stubs to the social security administration to report my earnings...I was not aware at the time of that encounter of Prosperity Bank's hostile position towards me...I am providing the details of that experience report in this complaint which is this...Prosperity Bank acted in a hostile manner towards me their own bank account holder and set me up to fail and for more potential harm...That Prosperity Bank acted in a very under handed and reprehensible manner after XXXX diligently released these phone calls to Prosperity Bank - Prosperity Bank retaliated against me and became hostile towards me and set me up for a potential entrapment scenario on September 8th 2020 had I said or done something utoward that day I could have been seriously harmed...The purpose of the documentation I am providing is to show that I was already stressed out that weekend that all I had in the house to feed my son was oatmeal because due to illness I have been very ill for some time now and very tired as well...I had just completed two months of XXXX XXXX XXXX XXXX...I was worn out exhausted and under duress...I was unable to go out much to grocery shop due to my health not being good and on XXXX XXXX and XXXX my bank card kept declining though I was told by XXXX call center people that I could use my bank card my card kept declining...Also when I tried to respond to the fraud alert texts that my purchase was not a fraud the system did not recognize my phone number and rejected my reply...XXXX to their credit has acknowledged that their fraud alert system and the algorithm needs to be adjusted and fixed so that this does not happen again to ones like me and other bank account and debit card holders...The only person in this mess who saw fit to ask if my son and I are doing ok was XXXX XXXX XXXX from XXXX that man was very kind and gave me a voice and verbally reassured me that I would not be experiencing any more problems from XXXX. XXXX XXXX from XXXX acted in good faith..XXXX acted in good faith when they released the phone calls to Prosperity Bank...I also acted in good faith by apologizing many times both verbally and in writing my heartfelt sorrow over the XXXX things I said under duress...Prosperity Bank has failed me their bank account holder and failed to act in good faith in my regard...Prosperity Bank escalated this situation more than it needed to be escalated...The documentation I am showing here is evidence that Prosperity Bank discriminated against me their own bank account holder by a retaliation tactic such as force closing my bank account...I only have the one bank account and one bank card so this retaliation put more stress on my already overburdened shoulders...I acted in good faith towards Prosperity Bank and sent written and verbal heart felt apologies for things I said under duress...I ask that Prosperity Bank be held to account for serious mistakes made on the weekend of August 1st and XXXX XXXX 2020 that place excessive restrictions on my bank debit card that prevented me from using my card in a normal manner...I include the detailed experience report here as part of my narrative as to ways the banking industry often escalations situations further and creates hostile environments for unwary bank account holders...The documentation I provide substantiates that I was already under duress the weekend of XXXX XXXX and XXXX XXXX 2020...That Prosperity Bank's hostility towards me was underhanded XXXX and uncalled for that set me up for more potential harm including a direct violation of CDC guidelines by one XXXX who saw fit to breathe down my neck and by her horrible behavior indicate to me that she hopes that I XXXX XXXX from the Covid-19...This is very serious and Prosperity Bank needs to be held to account for these reprehensible actions... My experience report with Prosperity Bank is as follows: At XXXX XXXX I called XXXX at the XXXX XXXX Prosperity Bank Branch and asked XXXX to contact someone at the XXXX XXXX Prosperity Bank Branch...XXXX did this for me she spoke to XXXX who then behaved as described in my experience report...Also attached is a copy of the Fax Confirmation sheet as evidence that my pay stubs were faxed to Social Security Disability a report I make on a regular basis...I was told by XXXX at Prosperity Bank that as long as this fax is related to money being deposited into Prosperity Bank that this is a service that is provided as courtesy to bank account holders like me...Attached is a screen shot of a voice mail I received later that day after XXXX from XXXX requesting a call back about a letter I will be receiving from Prosperity Bank asking that I close out my bank account... My experience report with Prosperity Bank -On the morning of XXXX XXXX 2020 Pursuant to my experience report I ask that you read my detailed report on threatening body language that was used in my presence at a Prosperity Bank Branch.located at XXXX XXXX XXXX XXXX XXXX XXXX Texas...I am providing both XXXX and Prosperity Bank lots of feedback in my good faith effort to show you ways errors made by the banking industry can affect bank account holders...As a bank account holder with Prosperity Bank I feel that hostility can often be promoted and encouraged between bank account holders and banks...This was evidenced by the hostile body language used by women at Prosperity Bank the day I entered their large branch seeking help to fax my pay check stubs...I have been to ten countries I can speak more than one language though only fluent in English I can get by in other languages...I am excellent at reading body language and I have a basic knowledge of knowing what to do and what not to do particularly when traveling in XXXX countries...I have been to XXXX and as a western woman in a XXXX nation there are certain do's and certain do not's...For example no matter how aggressive a XXXX male is towards a western woman it is vital that the Western woman never make direct eye contact with an aggressive XXXX male...For to make Direct Eye contact is a show of force and disrespect a force and disrespect that could render you XXXX in seconds...I experienced a situation with a young very aggressive XXXX I encountered in XXXX and by the grace of God I managed to stay safe and alive by avoiding eye contact and demonstrating my basic grasp of Arabic...First I want to focus on my experience at Prosperity Bank the larger Branch on XXXX XXXX...Body language is often studied by folks who work in the Banking Industry because these days it is vital to be able to read body language because by being able to do this it can save your life...This is the series of events in detail that happened at Prosperity Bank...While waiting outside of the bank for the Lobby to open...I was approached by a male customer in a truck I politely told him that the Lobby opens at XXXX XXXX and I also told him that drive through is open earlier if he wished to avail of drive through...Throughout the moments I am describing I was on a very long hold with a Federal Government Phone Call I needed to make which requires long hold times...As a result I was not very approachable as I was waiting on hold...A female employee of Prosperity Bank came up and gave me a warm smile and greeting which I appreciated and I also replied in kind just not as friendly as I normally would be because I was waiting on hold...I did not mean to be unfriendly I was simply distracted by the long wait time and hold music I was listening to...Shortly after this lady entered and she was very pleasant which I appreciate she told me that the lobby opens at 9 am to which I replied I know and thank you for telling me...Then a man who may be in management in banking wearing a very nice suit and a sharp matching face mask that complemented his suit --- I noticed that he has good taste in dress...He approached me as he also works at the Bank and again I pointed to my earbuds indicating that I was on hold...Now because I was on hold that man should have noticed this is what I was saying I also verbalized that I was on hold...He took the time to tell me about the drive through option which I thanked him for...I said that I am in need of more in depth help and he also said that the lobby opens at XXXX XXXX..Something I was already well aware of...I thanked him though and proceeded to focus on my hold time...I tell you this because this kind of behavior can seem very rude particularly when someone is on hold as I was...I already knew the lobby opened at XXXX XXXX so the conversation with that male employee did not need to happen... A polite wave and nod and good morning would have been enough...During my hold time I had an important incoming phone call I needed to field so at that point I had to hang up with the Federal Government to take this other call...A male was waiting in his vehicle for the lobby to open not bothering a soul and I was simply standing outside also waiting for the lobby to open...I tell you this because most people are decent and are just going about their business...Such as the male who waited in his vehicle who never once bothered me...I find folks are for the most part decent polite and considerate...I try to be the same...However, once the lobby opened and I entered Prosperity Bank the atmosphere had changed...No one approached me to offer me any kind of help whatsoever and the friendly greetings I received by the two friendly employees on their way in to work seemed to have evaporated into thin air in terms of the warm atmosphere...The atmosphere I encountered was a very tense atmosphere...At that moment I was not aware that XXXX had released my phone calls to Prosperity Bank and that Prosperity Bank would later ask me to close out my bank account...I was like a lamb led to the XXXX I had no idea what was going on...When I approached the counter the women at the counter showed me by their body language that I was not welcome at Prosperity Bank...They turned their heads away from me and when I questioned them about speaking to a manager I was told there was no manager willing to speak to me...Though I witnessed a sharp dressed man enter the bank...I was told there was no manager in that day...Their body language did not match their speech so that when I was told there was no manager in that day I interpreted that as you are not Welcome here and no we will not let you speak to a manager...From the body language I received...I then asked the lady at the counter would she get someone who works at the bank to help me to fax my pay stubs to the social security administration...The woman I spoke turned her nose up at me and turned her head away from me in XXXX as if I was a XXXX creature and asked the other woman behind the counter who stated that we do not help with that...I quickly realized that the atmosphere was now very tense and had I not already learned my valuable lesson about not allowing my emotional intensity to kick in so as to elevate me to an elevated emotional state whereby I could say things I sorely regret...I simply walked away from the counter to show by my body language that I was in retreat...That I was now retreating from this...It was when I was backing away that I phoned XXXX XXXX who then proceeded to call that bank...I told XXXX that I was walking away from the front desk and that I would wait in the lobby area on one of the large seats available to bank account holders and customers...XXXX did call the bank and spoke to XXXX and XXXX told me that XXXX agreed to help me and that XXXX was now looking for me in the lobby...I want XXXX and Prosperity Bank and all parties involved to know this...That when I entered Prosperity Bank XXXX was seated at her desk which was directly in front of me so that there was no way that XXXX could miss my presence...I was very easy to find...XXXX and other staff members never bothered to approach me to greet me or to welcome me as would normally happen...When XXXX told me that XXXX was looking for me I got up and proceeded to walk towards XXXX desk...XXXX was now approaching me and when she saw me she looked away and acted XXXX like she did not know what she was doing or who she was looking for...I had to speak which was awkward for me but I spoke and I asked are you XXXX? She responded in a sheepish manner as if she did not want me to find her...Yes I am XXXX...I thanked XXXX XXXX very much on the phone and hung up..XXXX used sweeping gestures with her arms and motioned for me to sit down at her desk...I will describe XXXX body language in detail...Both of us were wearing our masks per CDC guidelines...Before motioning in that sweeping gesture I described for me to sit at her desk...XXXX proceeded to pull out a pair of black plastic gloves the kind of gloves you would use to take out the trash...These black gloves reminded me of black garbage bags...XXXX proceeded to in a very theatrical manner to don those black plastic gloves and then with that sweeping gesture of her arms proceeded to motion for me to sit at her desk..XXXX then proceeded to type on her computer with those black gloves on which seemed very odd to me...When I told XXXX that I need help faxing my pay stubs to the social security administration XXXX said we do not help people like you we send people like you across the street...I was taken aback by this because XXXX had reassured me that I could go to any branch and get help with my pay stubs...I then called XXXX back and described to XXXX what my experience at Prosperity Bank was like that XXXX was being awful and acting very strange as were the staff I encountered behind the counter at the bank...XXXX was very apologetic about this and it was only afteXXXX XXXX witnessed me speaking to XXXX describing XXXX bizarre awful behavior and body language did XXXX who is XXXX and looks like she belongs in a library very much like a librarian type..XXXX gets up and sighs and says she will fax my pay stubs...I asked XXXX for a cover sheet sheet which XXXX then provided to me...I told XXXX that the way I am being treated is inhumane but that I have learned to keep my emotions out of it since this is never personal...I asked XXXX to make a copy of my pay stubs for faxing purposes as faxing them would be easier that way...XXXX sent the fax and when XXXX returned I asked XXXX would she please provide me with my confirmation sheet that the fax went through...XXXX body language was terribleXXXX sighed and said confirmation sheet's take a while...I could tell by XXXX body language that she loathed my presence and simply did not want the bother of helping me that day...I replied XXXX l I know these confirmation sheets take time I will wait for my confirmation sheet...I then told XXXX in whose presence I did not feel comfortable at all...That I would wait over there and I pointed to a seat further away from Rebecca...Rebecca glared at me and in an angry hissing voice said oh! you can wait there alright...Rebecca then proceeded to pull out a disinfectant spray and in theatrical fashion Rebecca proceeded to spray the chair I was sitting on and wipe it down...I tell you this because Rebecca has likely studied human behavior science and has likely participated in theater in her life...I would not be surprised if XXXX worked at a library at one time..XXXX is very calculating and very detailed..XXXX then proceeded to work without the black gloves this time because I was no longer in her immediate presence...It is vital I tell you this in detail...The black gloves sent me a threatening message that I am trash and that I will be discarded like trash and or potentially harmed...I felt under threat by those black gloves and the way that XXXX and the staff behaved...I felt terrified by this I was terrified and that is a form of XXXX that goes on in the banking industry...While waiting for my confirmation receipt XXXX completely ignored me it was as if I no longer existed...An employee walked past me and I politely asked her if she would be so kind as to check for a confirmation receipt for XXXX XXXX XXXX...She obliged and obtained that for me..XXXX was ignoring me the whole time...XXXX then approached me once I had obtained the confirmation receipt.XXXX refused to afford me the proper social distancing that we all need to be doing these days and XXXX got in my face and proceeded to thumb through my pay stubs without the black gloves this time with her bare hands to show me the copies she had made were there..XXXX by her body language over stepped her boundaries with me..XXXX then proceeded to in a very glowering and threatening manner to state that she would walk me to the door because as XXXX stated..."I do not want you walking around the building"...I replied there was no reason for me to do such a thing...At no point did I ever threaten a soul that day..XXXX proceeded to speak to me in a very threatening manner which would be described as covert threatening speech and covert threatening body language...XXXX then stated that she had loved ones XXXX from the Covid-19 to which my response was that I am sorry for your losses...When XXXX walked me to the door she stood too close to my body and was breathing down my neck...Rebecca was not concerned that she was putting me out into the pouring rain...Rebecca seemed to enjoy doing this to me and Rebecca said "there's the door go on out into the pouring rain"...I tell you this was my experience that day at Prosperity Bank...Rebecca who lost loved ones to Covid-19 used threatening body language and soft hissing speech by violating the social distancing boundaries you will see Rebecca's actions on your CCTV cameras at that branch...Rebecca sent me the nonverbal message that she hopes that I get the Covd-19 virus and die...I tell you this is how I felt that day...That XXXX had zero concern for my well being and that XXXX told me she knows of loved ones who XXXX from the XXXX and as such XXXX then breathes down my neck stands to close to my person thus ignoring the CDC social distancing guidelines which puts XXXX in direct violation of CDC guidelines which appears to have been done on purpose with intent to XXXX me...Intent to XXXX me can be established by XXXX use of black gloves and XXXX subsequent failure to use the same black gloves when thumbing through my pay stubs and the copies and by standing too close to my person when walking me out the door and by stating that she has loved ones who XXXX from XXXX...That was perceived by me as an act of terror that XXXX was hoping that I would get Covid-19 and XXXX XXXX...Though XXXX never said this XXXX behaved in a manner that suggests this...The staff at Prosperity Bank were most certainly very hostile towards me by their body language...I ask that XXXX review this experience report and that Prosperity Bank also review this detailed experience report...I apologize for any typographical errors you may find...I can establish that due to errors made on my bank card via excessive fraud alerts that triggered excessive restrictions on my bank card that triggered a bank account holder's bank card rendered useless not fit for purpose that then resulted in the series of unfortunate events that took place...That has reduced me to tears many times and filled me with terror and added to the stress I am already experiencing...I ask that you take my details into account...I can tell you also that a woman who works at Prosperity Bank at the XXXX XXXX XXXX Branch not sure if her name is XXXX or not...She helped me to fax my pay stubs also in the past but was reluctant to do so and was extremely rude about doing it...That woman proceeded to explain unnecessary policies and procedures to me...I told her that her speech was not needed that this is a basic service provided to account holders...She did refuse to help me with another small request as that request was not related to the bank which I accepted and respected...I tell you this because many today not just myself feel that the banking industry is very hostile towards bank account holders and bank card users...That the banking industry would chew little people like me up and spit us out with no conscience care or concern...XXXX is in direct violation of CDC guidelines which is very serious..XXXX or whomever it was that gave me excessive details about policies and procedures should be trained in manners...Many today could use some basic training in manners and common decency which is lost on the banking industry these days...It is my sincere hope that you will find this detailed report helpful and that you will speak to XXXX about this and to XXXX or whomever it was that helped me in the past at the XXXX Branch about ways reciting policies and procedures can be an abuse if not necessary and extremely rude when dealing with bank account holders. Respectfully Submitted by XXXX XXXX XXXX XXXX
09/26/2020	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	TX XXXXX	Web
Pursuant to my other complaints sent to Prosperity Bank with the help of the CFPB I am adding this to my complaint that against my wishes Prosperity Bank decided to close out my bank account and proceeded to put intense pressure on me to do so but failed to inform me of their position in a timely manner...In a letter dated XX/XX/2020 which Prosperity Bank mailed on XX/XX/2020...I was told that Prosperity Bank can no longer service my bank account...I reference an email I sent to XXXX XXXX at Prosperity Bank at XXXX letting XXXX XXXX know that she has the right to be informed of the response I received from XXXX XXXX with the help of the CFPB that is full of lies and errors...I state this because I can document everything that took place on XX/XX/2020 and I did ask that XXXX who is very decent and kind bring this message to the attention of all upper level management at Prosperity Bank because what XXXX did was make the decent people at Prosperity Bank look Bad...I include the message I sent to XXXX in this email: Dear XXXX, Thank you for taking care of me and for your voicemail left on my phone in the afternoon of XX/XX/2020...The records clearly show the series of events that took place on the morning of XX/XX/2020...XXXX I ask that you read the response provided by Prosperity Bank via the CFPB where I filed numerous complaints...The CFPB is a government website called the Consumer Financial Protection Bureau in my complaints that number more than ten I cite many acts of aggression towards me not by you XXXX not by any of the pleasant front desk staff I encountered at your branch...Rather in terms of demands I received in the mail for over draft fees for small overages such as being under by a minimal amount...You yourself reassured me that no overdraft fee would be charged as this was a mistake on the part of Prosperity Bank..XXXX you have the right to be informed that Prosperity Bank has a history of legal misconduct whereby they have tried to keep legal hostage their own employees via contracts signed which resulted in a a lawsuit which Prosperity Bank Lost...The woman whose name is listed on the response that you have the right to see and read...Is one of the parties who tried to get away with legal misconduct in the past...Though not criminal in nature it was aggressive and resulted in a Federal filing...I ask that you read the response I received in its entirety because the date is wrong in that response the woman who crafted that letter cited the events of XX/XX/2020 as having happened on XX/XX/2020...It is vital that you read this as your name may come up as this proceeds...Further to this you have recourse as well...In her response the woman who saw fit to send it never looked at the screenshots or my documentation which is extensive as to the series of events that took place on XX/XX/2020 in the morning...You have the right to be informed and you have recourse...I ask that you bring this email to the attention of your branch manager and upper level management as XXXX XXXX XXXX has misrepresented the events of XX/XX/2020 by citing the wrong date as being XX/XX/2020 as well as lying through her teeth about what actually occurred that day...The phone records can be subpoena'd so as to track and trace the series of events...It is vital you are informed so as to not to be blindsided as this matter continues to unfold...In light of the continued hostility shown me on the part of XXXX and Prosperity Bank...XXXX be rest assured I will never set foot in another Prosperity Bank ever again...I trust that Prosperity Bank will close out my bank account as they threatened to do to this to me along with other threats I received by Prosperity Bank not limited to threatening to close out my bank account which is retaliation...In XXXX response to me there are veiled threats whereby she sees fit not only to provide a very sloppy untoward unprofessional response but also to mention other CFPB complaints that I saw fit to file...Complaints that are being studied by many who track and trace complaints like mine for trends which can trigger investigations...One Bank whose name I do not mention here has more than 23,000 CFPB complaints...You have the right to be informed so that you are not blindsided...I can back up everything I say and XXXX makes Prosperity Bank look very bad which is not good for Prosperity Bank it is not fair right or just to make your bank look bad but that is what XXXX is doing here...I published her response because it is my sacred right and duty to so do to defend my name...I am not a XXXX at all and I am sorry XXXX this was done...I want you and the decent people at Prosperity Bank to know that I am getting the help I need for my XXXX XXXX needs...I dare say XXXX would likely also benefit from XXXX XXXX services...I include the body of her letter in the body of this email and also in the form of an attachment...You must inform every member of upper level management as to what is being done here...As your name could come up and as such you could placed in an awkward position...You have the right to be informed and it is my duty to inform you of what is happening here...A copy of her response is attached I ask that you bring this email and the attachment to the attention of the proper people who can deal with this at Prosperity Bank..XXXX you have the right to read the body of this letter as you yourself are well aware that I called you that morning for help and it was through your kind help that I received the help I needed that day... Letter by XXXX XXXX full of errors and incorrect date... "Dear Sir or Madam, Prosperity Bank ("Prosperity") is in receipt of the ten (10) above referenced complaints filed by XXXX XXXX XXXX with the Consumer Financial Protection Bureau ("CFPB"). After a careful review, Prosperity believes it has addressed Ms. XXXX grievances against Prosperity which are sprinkled amongst those against unrelated third parties. Because the complaints against Prosperity seem to stem from the same core facts (activity on Ms. XXXX debit card on the weekend of XX/XX/2020), the Bank combines its response to address all complaints collectively as follows:" The crux of Ms. XXXX complaints against Prosperity pertain to fraud alerts triggered by her debit card use on XX/XX/2020. It is standard practice in the credit and debit card industry to employ algorithm-based fraud alerts established by rules and scoring in order to protect consumers from fraudulent activity. The scoring for these algorithms are set by FICO based on usage frequency and cannot be changed by financial institutions. The rules for the algorithm are set by the financial institution based on past fraud history and its appetite for risk. The rules are determined by various metrics, including the scoring assessed by FICO, the known risk of the merchant and location, how the merchant processes a transaction, age of the customer's account, account balance, insufficient funds history, frequency of use of the card, the amount of the purchase, and whether it is a chip-related purchase or online purchase. Online purchases, for example, are riskier and trigger flags more than in-person chip-related purchases. Additionally, online purchases of XXXX or more are also considered higher risk for fraud. If XXXX (Prosperity's card processor) told Ms. XXXX that the financial institution sets the parameters surrounding the fraud alerts as she claims, that is only partly true. It is the combination of scoring that is automatically set by FICO, which the financial institution has no ability to change, and the rules previously set by FICO, which the financial institution has no ability to change, and the rules previously set for suspicious fraudulent activity by the financial institution which applies equally for all card holders." On the morning of XX/XX/2020, Ms. XXXX conducted eleven online purchases within three hours. As mentioned above, some merchants are considered more "ripe" for fraud than others, including, for example, XXXX and XXXX. During this three-hour span. Ms XXXX conducted three transactions with XXXX and two with XXXX, which were accepted, however because of the frequency of her transactions, her fraud risk score doubled. When she attempted her twelfth online debit transaction, she received a fraud alert by text. Ms. XXXX did not respond. Had she responded at that time and verified her transaction, the subsequent denial of the use of her card would not have happened. Once the customer does not respond to the fraud alert, the alerts do not continue for each transaction thereafter. However, she attempted five additional transactions, and because she had not responded to the fraud alert, the transactions were denied and the card went to restricted status. Upon such verification, which was only 20 minutes later than the text alert, XXXX called Ms. XXXX and she verified the transaction. The rules are exempted for 15 minutes and all transactions are allowed." "Ms. XXXX later attempted an online transaction wherein the merchant processed the transaction incorrectly as a pin transaction and the transaction was denied. Ms. XXXX attempted the transaction four more times with different dollar amounts, which red-flagged the card and the transactions were denied. Her fifth transaction put the card in restricted status. She attempted to make eight additional transactions which were denied. The next morning, without her identity being verified from the previous day, her next transaction at XXXX XXXX. ws denied due to the restricted status." "OnXX/XX/2020, Ms. XXXX called XXXX and berated, cursed and threatened the customer service agent. Ms. XXXX told the agent numerous times she was going to buy a XXXX and XXXX her XXXX XXXX at the bank. She also repeatedly stated she was going to buy a XXXX and XXXX XXXX the bank. Not surprisingly, these outrageous statements concerned XXXX and they subsequently informed Prosperity of the threats made by the customer." "Ms. XXXX particularly complained about an employee she encountered when she visited the XXXX XXXX banking center on XX/XX/2020. [XXXX got the date wrong it was XX/XX/2020 this is well documented] This is not Ms. XXXX usual banking center and the personnel were not familiar with her. She proceeded to the teller line and requested they fax personal documents for her. Typically, Prosperity, does not typically fax documents for customers but instead refers them to the XXXX XXXX across the street. When Ms. XXXX was told this, she became aggressive and began yelling at the tellers that they hated her and were discriminating against her because she was XXXX. To diffuse the situation, an employee offered to fax the documents for her. Ms. XXXX next complains that the employee who helped send the fax used threatening body language by wearing gloves and using anti-bacterial spray. Given the ongoing global pandemic, the use of gloves and anti-bacterial spray should not be viewed as threatening or discriminatory. The Prosperity employee who Ms. XXXX accused of 'vicious mistreatment' was actually courteous and apologetic. She did not get close to Ms. XXXX or breathe on her "to get COVID" as Ms. XXXX claims when she walked her to the door." "Finally, Ms. XXXX claims Prosperity retaliated against her by closing her account based on her XXXX. Rather, the decision was made after Ms. XXXX made multiple threats to XXXX the bank or bring a XXXX to the Bank addition to the abusive behavior toward Prosperity employees, Card Services employees and XXXX employees." Prosperity takes both customer complaints and card fraud very seriously. The actions taken by Prosperity are meant to prevent fraud and entirely appropriate for protecting our customers from fraudulent and suspicious card activity and protecting the safety of our staff." "Thank you for your consideration in this matter. Should you have any questions or need additional information, please do not hesitate to contact me." Sincerely, XXXX XXXX XXXX I also share with you the case that went to the Federal Court over four bankers who left Prosperity Bank to work elsewhere whom Prosperity bank tried to keep as legal hostages by obstructing their right to work elsewhere...It is a matter of public record called the Cardoni VS. Prosperity Bank Case... I quote a section from this for you here: "Four of the bankers later left Prosperity and went to work for a competitor. Both the bankers and Prosperity raced to the courthouse to file lawsuits that ended up being consolidated in federal court in Houston. Prosperity sought to enforce the restrictive covenants under Texas law, contending that the choice-of-law provision was valid. The district court denied Prosperity's applications for injunctive relief. It found that the choice-of-law provision was not enforceable with respect to the noncompetition and nonsolicitation provisions; instead, it applied Oklahoma law, under which it concluded the covenants were not lawful. In contrast, the district court ruled that Texas law applied to the nondisclosure provisions, but denied injunctive relief to enforce that provision. Following the guidance of Texas courts on the enforcement of choice-of-law provisions, we affirm in part and reverse in part." Cardoni v. Prosperity Bank, 805 F.3d 573 \| Casetext Search + Citator
09/25/2020	Yes	Checking or savings account Checking account	Closing an account Can't close your account	TX 778XX	Web
Due to the continued hostility shown me by Prosperity Bank who never seems to fail to try to further escalate an already very unpleasant situation with hate speech and hate crimes trying to paint me with their disordered brush using the powers of the pen as a XXXX of all things ... My XXXX the depths of the their depravities know no bounds ... In their response to me Prosperity Bank sees fit to make more serious mistakes by citing wrong dates and never bothering to check their facts first from my previous ten complaints and claims falsely that I never responded to said fraud alerts when my screenshot evidence clearly shows otherwise ... I refuse to ever set first in an a Prosperity Bank ever again for fear of being accused of an act of terror should I sneeze or cough ... I include Prosperity Bank 's ridiculous response to my complaint here and state that I am willing to go on public record and I have in fact gone on public record that I do have a history of XXXX trouble that XXXX trouble is not a crime ... That when I behaved badly saying terrible things that I was under serious duress and not well at the time ... There is no context under which I could ever do any damage ... I refuse to be complicit in my own abuse by having anything further to do with Prosperity Bank ... I ask that Prosperity Bank continue to close out my account as that is not something I every requested it is something Prosperity Bank sees fit to do ... Prosperity Bank as evidenced by this nasty reply sees fit to meddle in my personal business by suggesting via a veiled threat about my other " sprinkling of third party complaints '' ... The venom in that response is palpable as is the hate speech and hatred shown me ... It is an act of terror to terrorize a person with XXXX health trouble so as to present me as a XXXX ... That is egregious and heinous in and of itself and should be considered a crime ... The XXXX behind the words used in this response is concerning and is intrusive beyond repair as to the lengths this woman will go to so as to undermine me and destroy me and sabotage and ruin my life by offering to do anything apparently that is asked of her concerning me to ruin my small life ... Well done there for a woman to do that to another woman is awful ... I do not know how people like that sleep at night ... I do not need a XXXX under my bed when I sleep because I hate XXXX I would not be surprised if the one painting me as a whack job actually sleeps with a XXXX under her pillow at night and goes around with a XXXX as a concealed weapons carrier ... Women like that a rampant today and are XXXX XXXX ... I do not need a XXXX because I know who and what i am and I know I am very small not much at all but this kind of bullying done in the business realm must be stopped ... It took a lot of strength and courage for me to publish this ... This is my voice hear me roar ... I am silent no more and I no longer participate or allow toxic business like Prosperity Bank to ruin my small life ... I refuse to be complicit in my own abuse ... Clearly what happened to me was horrible and abusive regardless of the long good explanation set forth by Prosperity Bank ... The facts remains that Prosperity Bank is sloppy and underhanded and does not bother to get certain dates right neither do their bother to get their facts straight ... What is evident to me though is demonic rage in the woman who attacks me in this vile letter ... A silent demonic rage meaning this XXXX cat cares not for my well being and would likely shoot me dead if she could get away with it ... Words have power and this is a war of word ... It is my right and sacred duty to defend my name in public and I do so ... So help me God the God of my understanding who is the God of life ... Since I have relatives who actually worked in the XXXX XXXX over the years I dare say it is a bad show these days and it is a sad tale when a small single mother on XXXX is painted as a XXXX for the crime of being a frail human being with a feisty XXXX Temper ... Look up XXXX XXXX he is related to my family on the XXXX side which is on my Father 's side of the family ... My cousin also met President George Bush at the XXXX XXXX for excellence in his line of work ... I do not come from the same family tree as ones like this one who tries to destroy the lives of little people with no conscience no empathy care or concern ... My apologetic position has been made very clear now and it is also very clear that I was not well ... I am getting the help I need for my XXXX health needs no thanks to the ones at Prosperity Bank who seek to Prosper from the misfortune of others ... " Dear Sir or Madam, Prosperity Bank ( " Prosperity '' ) is in receipt of the ten ( 10 ) above referenced complaints filed by XXXX XXXX XXXX with the Consumer Financial Protection Bureau ( " CFPB '' ). After a careful review, Prosperity believes it has addressed Ms. XXXX 's grievances against Prosperity which are sprinkled amongst those against unrelated third parties. Because the complaints against Prosperity seem to stem from the same core facts ( activity on Ms. XXXX 's debit card on the weekend of XX/XX/2020 ), the Bank combines its response to address all complaints collectively as follows : '' The crux of Ms. XXXX 's complaints against Prosperity pertain to fraud alerts triggered by her debit card use on XX/XX/2020. It is standard practice in the credit and debit card industry to employ algorithm-based fraud alerts established by rules and scoring in order to protect consumers from fraudulent activity. The scoring for these algorithms are set by FICO based on usage frequency and can not be changed by financial institutions. The rules for the algorithm are set by the financial institution based on past fraud history and its appetite for risk. The rules are determined by various metrics, including the scoring assessed by FICO, the known risk of the merchant and location, how the merchant processes a transaction, age of the customer 's account, account balance, insufficient funds history, frequency of use of the card, the amount of the purchase, and whether it is a chip-related purchase or online purchase. Online purchases, for example, are riskier and trigger flags more than in-person chip-related purchases. Additionally, online purchases of {$100.00} or more are also considered higher risk for fraud. If XXXX ( Prosperity 's card processor ) told Ms. XXXX that the financial institution sets the parameters surrounding the fraud alerts as she claims, that is only partly true. It is the combination of scoring that is automatically set by FICO, which the financial institution has no ability to change, and the rules previously set by FICO, which the financial institution has no ability to change, and the rules previously set for suspicious fraudulent activity by the financial institution which applies equally for all card holders. '' On the morning of XX/XX/2020, Ms. XXXX conducted eleven online purchases within three hours. As mentioned above, some merchants are considered more " ripe '' for fraud than others, including, for example, XXXX and XXXX. During this three-hour span. Ms XXXX conducted three transactions with XXXX and two with XXXX, which were accepted, however because of the frequency of her transactions, her fraud risk score doubled. When she attempted her twelfth online debit transaction, she received a fraud alert by text. Ms. XXXX did not respond. Had she responded at that time and verified her transaction, the subsequent denial of the use of her card would not have happened. Once the customer does not respond to the fraud alert, the alerts do not continue for each transaction thereafter. However, she attempted five additional transactions, and because she had not responded to the fraud alert, the transactions were denied and the card went to restricted status. Upon such verification, which was only 20 minutes later than the text alert, XXXX called Ms. XXXX and she verified the transaction. The rules are exempted for 15 minutes and all transactions are allowed. '' " Ms. XXXX later attempted an online transaction wherein the merchant processed the transaction incorrectly as a pin transaction and the transaction was denied. Ms. XXXX attempted the transaction four more times with different dollar amounts, which red-flagged the card and the transactions were denied. Her fifth transaction put the card in restricted status. She attempted to make eight additional transactions which were denied. The next morning, without her identity being verified from the previous day, her next transaction at XXXX XXXX ws denied due to the restricted status. '' " On XX/XX/2020, Ms. XXXX called XXXX and berated, cursed and threatened the customer service agent. Ms. XXXX told the agent numerous times she was going to buy a XXXX and XXXX XXXX XXXX out at the bank. She also repeatedly stated she was going to buy a XXXX and XXXX XXXX the bank. Not surprisingly, these outrageous statements concerned XXXX and they subsequently informed Prosperity of the threats made by the customer. '' " Ms. XXXX particularly complained about an employee she encountered when she visited the XXXX XXXX banking center on XX/XX/2020. This is not Ms. XXXX 's usual banking center and the personnel were not familiar with her. She proceeded to the teller line and requested they fax personal documents for her. Typically, Prosperity, does not typically fax documents for customers but instead refers them to the XXXX XXXX across the street. When Ms. XXXX was told this, she became aggressive and began yelling at the tellers that they hated her and were discriminating against her because she was XXXX. To diffuse the situation, an employee offered to fax the documents for her. Ms. XXXX next complains that the employee who helped send the fax used threatening body language by wearing gloves and using anti-bacterial spray. Given the ongoing global pandemic, the use of gloves and anti-bacterial spray should not be viewed as threatening or discriminatory. The Prosperity employee who Ms. XXXX accused of 'vicious mistreatment ' was actually courteous and apologetic. She did not get close to Ms. XXXX or breathe on her " to get COVID '' as Ms. XXXX claims when she walked her to the door. '' " Finally, Ms. XXXX claims Prosperity retaliated against her by closing her account based on her XXXX. Rather, the decision was made after Ms. XXXX made multiple threats to XXXX the bank or bring a XXXX to the Bank addition to the abusive behavior toward Prosperity employees, Card Services employees and XXXX employees. '' Prosperity takes both customer complaints and card fraud very seriously. The actions taken by Prosperity are meant to prevent fraud and entirely appropriate for protecting our customers from fraudulent and suspicious card activity and protecting the safety of our staff. '' " Thank you for your consideration in this matter. Should you have any questions or need additional information, please do not hesitate to contact me. '' Sincerely, XXXX XXXX XXXX Respectfully Submitted by one Ms. XXXX XXXX XXXX
09/13/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX XXXXX	Web
I would like XXXX and Prosperity bank to be made aware of the following...As a person with a XXXX XXXX XXXX...I have experienced abuses that must be looked into under the Person's with XXXX act that is put in place to protect persons with XXXX from XXXX...Our Government here in the USA has done an excellent job with various acts in place to protect persons with XXXX such as myself...Under the Persons's with XXXX act I am filing a series of formal complaints...What put me in debt in 2019 was this...I had moved from XXXX to Texas with my son...I was renting from a property called XXXX XXXX...Members of Staff at XXXX XXXX were XXXX XXXX me and using veiled XXXX and under handed tactics to destroy my life and the life of my child...The XXXX got so awful that I had to involve the local police department who told me to contact upper level management and get myself out of that lease and move...I did exactly that...This is my detailed report on my experiences with XXXX XXXX from XX/XX/2019 - XX/XX/2019.. A couple who lived and worked at XXXX XXXX tried to access me for XXXX as follows...The husband introduced himself to me and gave me his phone number and stated that he works as an XXXX driver...I accepted his phone number and availed of his help for rides...I did owe him a small sum for those rides which I since paid in full...I always paid but due to financial strain that I was already under I could not always pay for emergency rides...At the time I was availing of those rides I was not aware that this man's wife worked at XXXX XXXX in their book keeping area...I did not know any of these people...I did not know a soul...XXXX a member of the staff at XXXX XXXX would ask me questions such as how are things going with the XXXX driver? I thought that was very odd...XXXX asked me if I liked the man who gave me rides...I said absolutely not that her questions were way out of line and out of bounds that this man is married and even if he was not a married man I had no interest since I do not date...I tell you this because the staff at that property behaved in a very egregious evil reprehensible manner to set me up to fail...My XXXX what if I had said or done something that was even perceived as flirting with that married man I would have been destroyed...As a person with a XXXX my requests for reasonable accommodation at XXXX XXXX were ignored and staff refused to help me with small things...One day XXXX tried to get a rise out of me by inciting in me an angry response by being XXXX XXXX and refusing to help me...I did become angry and yelled at her and called her a bad name...She threatened to call the police and even picked up the phone to call the police...While she was waiting for the police I told her that she was complicit in XXXX of a person with a XXXX trying to incite me to anger and set me up to fail and by so doing she is committing a serious crime under the Person's with XXXX act..XXXX told the police they were not needed and hung up the phone...I got up and left their office and proceeded to call the police myself who came and checked my XXXX XXXX and told me to take it easy as my XXXX XXXX was now off...I was told that a member of staff at XXXX XXXX had recorded my outburst on their cell phone in an effort to publicly shame me for becoming upset...I had to file a complaint with upper level management at XXXX XXXX about these acts...I had to insist that the footage on the staff's cell phone be destroyed and not used to incite angry responses from others in the public realm so as to bully me and set me up for more XXXX...Upper level management offered for me to move to one of their other properties...I told them that I had already requested this but was denied this by the horrible staff at XXXX XXXX...Upper level management said that XXXX would be willing to meet with me at my apartment and management to smooth this over...I said no thank you that my safety and well being was l already seriously compromised by XXXX that I since learned that XXXX is the wife of the man who provided me with rides...That XXXX works at the office and that I felt attacked and under siege by underhanded staff members who tried to destroy me...The couple who worked at XXXX XXXX XXXX and her husband have since relocated and moved they no longer work at XXXX XXXX...In the month of XX/XX/2019 I was let out of a two year lease I had signed with XXXX XXXX by upper level management who to their credit realized that what I was put through was awful...I then had to borrow money from pay day lending companies and small lenders...My FICA score at the time was over 700 because prior to moving to XXXX I had gotten out of debt...By the time I had borrowed and gotten behind in payments my FICA score dropped to under 400 in less than a year...In the month of XX/XX/2019...I used my loans to place my items in temporary storage and a friend of mine help to pay the cost of a hotel stay as I was forced by XXXX XXXX to move in an emergency move that should never have had to happen...I had to stay in a hotel for a few days and wait to move into the property I rent from now...I got my stuff out of storage and settled into my new apartment...The debs I incurred from this emergency move placed me under duress and under stress...I was now sick from XXXX I developed XXXX on my XXXX and XXXX on my XXXX and I had to take XXXX for three months...I had complications from the XXXX that caused XXXX XXXX XXXX in my XXXX XXXX...Then I had creditors calling my phone and threatening me which obliged me to file complaints against them particularly XXXX XXXX XXXX and XXXX XXXX XXXX XXXX out of Florida who...I had to work hard myself to get those creditors to stop calling me...The collection activities were so aggressive that one lending company would not stop calling me and sending employees to my door banging on my door and putting notes by my door...I had to call upper level management and ask them to ask their employee to return and remove that note that due to this pandemic they are in violation of CDC guidelines by making unnecessary stops and by ignoring my own outreaching explaining my position...I obtained cease and desist orders and got these aggressive collections activities to stop...I then proceeded to file for my chapter XXXX bankruptcy with the help of XXXX where I took my debtors course...I want this to be told that is how I got into debt which added to my stress...While renting on the property I rent from now I had some unpleasant experiences here too but management here have been very responsive and helpful...I had obtained a dog for my XXXX XXXX called an XXXX XXXX XXXX dog...I submit to you here my XXXX letter from my doctor for that purpose...My dog was viciously attacked by another dog on this property which traumatized me more...My dog is ok but I was covered in my own dogs XXXX...I am submitting that photo as well...Management did their best to see to it that all dogs are kept on their leashes...The owner of the dog whose dog attacked me dog refused to be responsible for damages done which added to my XXXX to my duress...I then had to borrow from a friend to pay the vet to care for my injured puppy...Due to being so ill I decided to return my dog to the couple I had purchased my dog from and they told me they successfully sold that dog to a very large ranch...I am submitting the XXXX letter from my doctor and also the photograph as evidence of the trauma I experienced from that Dog on Dog attack which was vicious...The horrible woman responsible for this dog on dog to this day refuses to offer me compensation for my ordeal...I am submitting this pursuant to my complaints against both XXXX and Prosperity Bank as evidence that I have XXXX XXXX and that this XXXX must be stopped... Respectfully Submitted by Ms. XXXX XXXX XXXX
09/22/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX XXXXX	Web
Earlier today I took a moment to call Prosperity Bank at the branch I originated my bank account with...I never met the branch manger and in the past whenever I asked to speak to management I was always told they were busy and that I was to deal with the lady who helped me to open my original bank account...Prosperity Bank says a lot of wonderful things while on hold...I would know because I waited on hold for a long time to speak to the Branch Manager...I was given her name but I forget her name...Prosperity Bank never bothered to get to know the real me the real person behind my bank account...Prosperity Bank says a lot of positive things while on hold such as when you bank with Prosperity Bank you are a part of the Prosperity Bank family and other wonderful things...Yet I was never ever treated like family...After waiting on hold for quite some time and I do understand that management are busy I respect this which is why I waited for a long to speak to this branch manager...I sincerely apologized once more from my heart for XXXX things I said...She told me that Prosperity Bank takes these matters very seriously which I respect...She then said to me that "everybody has stuff"...The way she said this is concerning...Look we all make mistakes and due to my condition I said XX/XX/XXXX things under duress...The branch manager seemed accepting of my sincere apology but no where in that conversation did she own that Prosperity Bank made serious mistakes as well...Serious mistakes with my bank card with excessive restrictions that were not needed due to false fraud alerts when no fraud existed also due to the fact that the fraud alert system failed to function properly affording me the normal response of yes to my bank card fraud alert texts that my purchases were normal and ok...There is zero accountability for serious mistakes made by banks like Prosperity Bank and sadly the staff are either not trained properly or are trained to be horrible...Horribly rude and untoward unkind with zero empathy or care or concern for the human beings behind these bank account...I want this published because in that phone conversation I did not become elevated or upset or say anything untoward...The lack of empathy on the part of that branch manager was very telling...She seems extremely angry and hostile...Though she did not raise her voice the way she dismissed the ordeal I went through on the weekend of XXXX XXXXt and XX/XX/2020 and the subsequent ordeal on the morning of XX/XX/2020 is very concerning and very telling...Staff need to learn how to show empathy and if they lack empathy that is a serious concern...If I were an unsafe or dangerous person then I would not be publishing this I would be hiding...I am not hiding as I have nothing to hide...I am being as transparent as I know how to be...To bring to the forefront serious problems with certain banks not all banks but certain banks in the banking industry...On the weekend of XXXX XXXX and XXXX XXXX 2020 the staff were not trained and as such abused me horribly by telling me to use my bank debit that my debit card was ok to use then when I tried to use it the XXXX bank card did not work...I also found that it depends on who you talk to whether or not a restriction is lifted...What is very concerning to me also is that one employee at the USA call center named XXXX blamed Prosperity Bank for putting excessive restrictions on my bank debit card thus placing Prosperity Bank in a bad light in the eyes of their own bank account holder...It turned out that after I went to the local XXXX XXXX store another employee was able to lift a restriction that XXXX claimed could not be lifted...I explained this to XXXX XXXX at Prosperity Bank who listened to what I had to say...I am not an unsafe person...I am truly sorry for the events of XXXX XXXX and XXXX XXXX events I never caused or wanted to happen...There is an appalling lack of accountability here on the part of Prosperity Bank...This is very concerning...I am taking the steps I need to to ensure my account with Prosperity Bank gets closed in a timely manner...I told the branch manager this...I said many things in these complaints because I feel hurt very hurt by serious mistakes made to my bank debit card that placed me under duress that placed me in a terrible position so that when I said XXXX stuff I am then viewed in a bad light...Further to this I feel threatened by a very large bank Prosperity Bank is a giant and I am nothing but a bug locust to be crushed at the whim of big banks...This is not fair and Prosperity Bank always has had an unfair advantage over little people like myself...I am not much at all...But I said many things in these complaints because I do feel under threat by Prosperity Bank...I do not feel safe dealing with Prosperity Bank...I am anxious to close my bank account with Prosperity Bank too...In light everything that took place...I hear no apologies from Prosperity Bank over the ordeal I was put through which is not right fair or just...It is truly awful...I am a human being and as such I know I am no much..This is my voice...A voice that has been systemically and categorically silenced for years...This is my voice my small strong voice...I am sorry that Prosperity Bank feels the way they do that they can walk all over little people like me and destroy our lives over mistakes made by Prosperity Bank that places small bank account holders under duress...I am sorry that Prosperity Bank does no feel the need to instruct their employees to be more empathetic and to apologize for serious mistakes made on their end...XXXX XXXX to her credit saw fit to apologize to me many times and every time I accepted her apologies...I also saw fit to sincerely apologize from my heart for mistakes I made too...I do not see the same forgiving and helpful approach coming from management at Prosperity Bank whom it seems to me sees fit to escalate mistakes made by frustrated compromised bank account holders and to minimize the ordeal I went through and then to top it off avoid any accountability for their mistakes and their acts and actions that only served to make matters worse not better...I learned my lesson in all of this and I am taking the steps I need to take to ensure I never make the mistake I made ever again...I ask the same of Prosperity Bank not only with my bank debit card but for other bank debit card users...This is why I am publishing this to clear the air and set the record straight for all eternity that I am a safe person who said XXXX things under duress a duress caused by abuses done by banks like Prosperity Bank due to serious mistakes that placed me in a terrible position with no access to my own funds for the only bank debit card I used at a time of great need when I needed access to those funds...I had to make many phone calls that should not have been necessary if these serious mistakes did not happen in the first place.. Respectfully Submitted by Ms. XXXX XXXX XXXX
11/30/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 750XX	Web
On Friday, XX/XX/XXXX, my spouse and I applied for a consumer land mortgage at Prosperity Bank with XXXX XXXX. We completed the online loan application by noon on Friday and expected a pre-approval letter by end of day. We did not receive an email with the pre-approval letter until XXXX on Monday, XX/XX/XXXX. We were finally able to submit the contract for the land purchase and move forward. The rate lock occurred on Tuesday, XX/XX/XXXX and XXXX XXXX requested us to send the disclosures and send a copy of the survey when completed. As XXXX XXXX informed us that the lender does not require a survey, I let her know that I would be ordering XXXX as a part of my own due diligence. I replied and informed her that we did not receive disclosures via email or in the portal. On XX/XX/XXXX, XXXX XXXX requested via text a copy of our drivers license, paystubs, subject property tax info and asked what account we would use for the down payment. Again, she requested that this information be sent via email. I sent an email with all the requested documentation. On Friday, XX/XX/XXXX, XXXX XXXX requested that we provide our employer contact information and job titles, send the survey, and let us know that we would be receiving an Appraisal payment link. She provided a screenshot ( which had our job titles listed ) and requested that we send the information via email and not in the secure portal. When I informed XXXX XXXX that the job titles were listed, she stated " I knew they were there. It's habit. Most don't have the job titles. '' I provided the additional information and paid the appraisal fee of {$700.00}. I told XXXX XXXX multiple times that the appraisal fee was excessive but she assured me that if the appraisal quote was less they would refund the difference at closing. On Monday, XX/XX/XXXX, I emailed XXXX XXXX to confirm no additional information is needed. On Tuesday XX/XX/XXXX, I receive an email from XXXX XXXX stating " I've sent an email to my realtor and title requesting a copy of the appraisal district copy of property taxes or survey. We need this for the Appraiser. Were you provided anything? '' I let XXXX XXXX know that there is no survey as I am ordering one. I also told her that I had sent the tax information the week prior. XXXX XXXX responded that she knew I was ordering one and didn't know if title required a new one. She forward me XXXX emails that she sent to me, not emails that I sent to her, stating she couldn't find it. I respond twice letting her know that title is not requiring a survey and forwarded the email I sent to her on XX/XX/XXXX with the property tax information. She replied immediately stating she found it and not sure how she missed it. Late morning, we get an email from the loan processor, XXXX XXXX, stating that her initial review is complete and that she needs additional information : " 1. Documentation to support the XXXX IRS tax liability in amount of {$3000.00} was paid ; need copy of bank statement ( all pages ) that shows IRS payment was withdrawn from account ; 2. Need copy of cancelled check for Earnest Money of {$1000.00} ( need bank statement or transaction history since last statement date that supports Earnest Money cleared account ) ; 3. Complete/sign attached Inquiry and Address form ; for Inquiries- please mark appropriate box and provide reason for each inquiry ; for Address- circle rent or own, enter dates resided and use of address. '' I respond quickly with the first two items. I email again to ask the purpose of requesting the documentation. They had already pulled our credit showing no liens of any kind, so asking us to confirm was above and beyond as the IRS doesn't hesitate to file tax liens. I asked the implication if we had not paid in full. XXXX XXXX stated that if we did owe monthly payments to the IRS it would be counted against our debt to income. As for the earnest money, I paid the earnest money via wire from my business account. Now, XXXX XXXX calls me around XXXX and I miss her call. She leaves a message asking for the mortgage statement from our new servicer. Instead of calling back, I send her the document plus the third document requested by XXXX XXXX. At XXXX, I get an email from XXXX XXXX asking me to " expound '' on my business. She asks the type of business, if I have business formation documents, when it opened, how I plan to file my taxes, if I have debt for the business or income to date. Now, this again is a consumer loan. I decided that a call was warranted. I call XXXX XXXX and ask her to explain. She states that they are just trying to " anticipate the needs of the underwriter '' and to not shoot the messenger. Now the underwriter has not requested anything, nor have I requested for my debt-free start-up business to considered as a part of our income. XXXX XXXX states that one underwriter may ask for one thing and a different underwriter may want something completely different. XXXX XXXX then states that there are fair lending laws and regulators that would then ask why the bank would ask one borrower for something and not the other. She proceeds to say that she has other deals and how much money the bank is holding. This was a concern to me as she is asking me for documents that no one requested and is fully aware of the consequences for this type of irregularity. The final item was today, XX/XX/XXXX, XXXX XXXX emailed us to state that the Appraisal fee would in fact be {$700.00} and that we should have it by XX/XX/XXXX. Again, the fee is excessive but we have decided that Prosperity Bank seems to operate differently than most banks as this is not our first mortgage loan. I emailed XXXX XXXX this morning to let her know that we would like to cancel our loan application and that the appraisal fee should be refunded. She replied " OK. Will do. '' at XXXX. She does not call, text, or email asking why or to gain our business. At XXXX I get a call from my realtor saying she heard that we were cancelling the contract. I thought that she meant the application and explain the mistreatment by Prosperity Bank and XXXX XXXX. She states that she had not heard from XXXX XXXX at all but that XXXX XXXX had contacted the seller 's agent to let them know that I am cancelling the contract and will not move forward. XXXX XXXX proceeds to request a cancellation form. XXXX XXXX overstepped her responsibilities and tried to sabotage this transaction. Her responsibility was the lending and only the lending. There is no reason for her to reach out to a 3rd party and request any forms. I am the client. The seller 's agent called my realtor to ask what happened, which is how my realtor was notified of this change. Inflating fees and blaming it on XXXX is not the way to conduct business. Additionally, calling or emailing the seller 's agent to cancel the purchase agreement is beyond negligent and was fully intended to cause harm.
09/27/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX XXXXX	Web
It is outrageous that Prosperity Bank refuses to accept they made serious errors in managing my bank debit card ... So serious that I was placed in a terribly awkward position and acted under duress ... I have established that I have been under duress for a number of months due to a number of factors ... The last thing I needed was for my bank debit card not to work right on the weekend of my birthday XX/XX/XXXX and XX/XX/2020 ... I ask that this complaint be read in its entirety ... I have had enough of abusive horrible acts done by Prosperity Bank who has a public record of at least two cases of horrible behavior towards their own employees ... Found in the Cardoni VS. Prosperity Bank Case and the Amrhein VS. Prosperity Bank Case ... Both cases showcase how horrible Prosperity Bank is to their own employees ... Then I come along and can not use my bank debit card in a normal manner and instead of fixing their own mess ... Prosperity Bank added to my duress and caused me more pain and suffering as evidenced in the sloppy response given by the careless XXXX XXXX ... Pursuant to XXXX XXXX XXXX 's sloppy letter, Whereby XXXX misrepresents material facts by getting a particular date wrong and also denies that the Prosperity Bank Fraud Alert System did not recognize my phone number in their system ... This is a problem that I brought to Prosperity Bank 's attention on more than one occasion ... Attached are screen shots that serve as evidence that I most certainly did respond to those fraud alerts right away but that the Prosperity Bank System failed to recognize my phone number ... This made no sense as I have full phone service including texting ... The chain of events that led up to the escalation whereby I was placed under great duress is the result of gross mismanagement on the part of Prosperity Bank of my debit card usage ... XXXX, cites irrelevant facts about the number of purchase attempts made ... XXXX, sees fit to justify a horrible act which remains that I was not able to use my bank debit card in a normal manner ... That meant that I had to make excessive phone calls to the Fraud Alert Call Center whereby I received falls information from employees who were not trained properly ... This resulted in my being told many times that I could use my bank card only to discover I could not use my bank card ... The facts remain that I acted under duress ... I was stressed out to the max and I did not need the added hassle of not being able to use my bank card in a normal manner when clearly no fraud existed on my bank card ... It is fraudulent to lie about customers efforts to make purchases ... Such as what XXXX did when she lied through her teeth that I failed to respond to those fraud alerts ... The attached screenshot show that I did respond but that the Prosperity Bank system failed to recognize my phone number the same phone number that was used to send me these fraud alerts ... That is beyond my scope of understanding ... Then XXXX gets the date wrong which tells me that XXXX needs to go back to school to learn basic decency basic etiquette in dealing with persons with XXXX who can say XXXX things they do not mean under great duress which is what happened in my case ... XXXX needs to learn how to show empathy and be empathetic instead of how to devour with her legal pen lambs like myself who were led to her XXXX ... The screenshots clearly show that I responded in a timely manner to those fraud alerts ... I also attached a copy of the fax cover sheet as evidence that my pay stubs were faxed to social security ... The behavior of the employee towards me that day was not apologetic or polite as XXXX claims ... I was sitting down and when another employee handed me my fax receipt whom I was sure to thank for doing this for me ... The employee who faxed them for me walked over to me and proceeded to thumb through the pages in a very intrusive manner to show me that she had made copies of them ... Her manners were horrible ... I was not aware at that time of the morning of XX/XX/XXXX of Prosperity Bank 's hostility towards me or their hostile position in terms of no longer servicing my bank account as stated in their letter dated XX/XX/2020 and mailed to me on XX/XX/XXXX ... I had yet to receive that letter ... I know the things I said were wrong and I am truly sorry for things I said under duress ... I have acted in good faith to de-escalate this mess. This mess was created by Prosperity Bank 's sloppy management of my bank Debit Card whereby I could not use my bank debit card in a normal manner ... I am attaching a screen shot of the voice mail that XXXX left me on the afternoon of XX/XX/2020 asking me to call her back..It was only then did XXXX tell me that Prosperity Bank wanted me to close out my bank account ... In the morning of XX/XX/XXXX when I called XXXX to ask her to call that Branch to ask someone to help me ... XXXX had no idea that Prosperity Bank wanted me to close out my bank account ... It is outrageous that I could not use my bank card in a normal manner ... It is outrageous and egregious that Prosperity Bank refuses to acknowledge serious mistakes made on their end ... It is outrageous and egregious that Prosperity Bank has yet to acknowledge their own serious mistakes with my bank debit card ... And subsequent abuses whereby my bank account is no longer being serviced per their letter dated XX/XX/2020 that was mailed on XX/XX/2020 ... This letter that I address here is full of mistakes that I need to correct ... I know that not every staff member at Prosperity Bank are rude ... XXXX XXXX has always been polite and helpful as have others ... I do however feel that the way my situation was handled was not good and as such I do feel hated and despised by Prosperity Bank who did nothing to correct their own serious mistakes and instead insist on highlighting my mistakes which I have sincerely apologized for many times now ... I have attached the documentation that I have as evidence that I did respond to those fraud alert texts ... It is fraud on the part of Prosperity Bank to falsely claim a fraud alert is needed in the first place when clearly there is no Fraud regardless of how the algorithm is designed to function ... Also my Yes response to those fraud alerts should have been recognized by this system which in my case acted XXXX and did not work properly ...
09/12/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX XXXXX	Web
Pursuant to the previous complaints filed I have more details to provide ... On Sunday XX/XX/2020 I contacted the local police department in the district where I live ... I spoke to Officer XXXX Badge number XXXX and asked the Police Department to take my report against XXXX and Prosperity bank for abuse done to my bank debit card that affected my mental health in an adverse manner ... So much so that under duress I said terrible things I would never normally say ... The incident number pertaining to that police report is : XXXX ... Officer XXXX was very kind and said MsXXXX XXXX you can not say things like that ... I said I know Officer XXXX and I am very sorry I ever said such things ... Officer XXXX reassured me that she understands that I said things I did not mean under duress ... .Shortly after I spoke to Officer XXXX of the local XXXX Police Department I received a phone call from a Mr. XXXX XXXX with XXXX XXXX who told me that he could have me arrested for things I said ... I received that phone call on XX/XX/XXXX at XXXX XXXX ... Mr XXXX to his credit gave me a voice and allowed me to explain the series of events that upset me so greatly ... MrXXXX XXXX reassured me verbally that no charges would be pressed ... Then after speaking to XXXX XXXX at XXXX with a promise of reasonable compensation ... All communication with XXXX XXXX was stopped and I never received the fast response promised by XXXX XXXX as evidenced by the texts I submitted from XXXX XXXX ... Then on XX/XX/XXXX at XXXX XXXX I received another phone call from Mr. XXXX XXXX who also gave me a voice and was kind enough to provide me his email address ... Mr. XXXX XXXX to his credit reassured me I would hot have any more trouble from XXXX ... I attach screen shots as evidence of those phone calls ... I put to both XXXX and Prosperity bank that I was terrorized and horribly mistreated and abused ... That mistakes made on my bank debit card set up these series of unfortunate events which set me up to fail at every turn and set me up for more abuse ... The ordeal I experienced was inhuman and uncalled for and I would go so far as to say unconstitutional as my right to purchase groceries to feed my son was forcibly removed the weekend I could not use my bank card in a normal manner though my funds were available for use ... I suggest that what I was put through was a Federal Offense that as a person with a XXXX already stressed out to the XXXX that my condition was made worse. That my mental health was compromised due to acts of terror done by both XXXX and Prosperity bank that set me up to fail and for more abuse ... I do know federal laws I do know this that I was attacked viciously horribly attacked by the banking industry in a cruel and merciless manner via an algorithmic system that was and is flawed when no fraud was present I was treated like I myself was a fraud ... It is a prosecutable federal offense to commit CDC violations so as to abuse my personal space so as to spread Covid-19 on purpose which is what XXXX at the XXXX XXXX Prosperity Bank seemed to be doing with her body language and vicious mistreatment of me ... I ask the federal government to investigate my case ... To pull the Camera footage of my encounter with Prosperity bank On XX/XX/2020 to also listen to those phone calls in their entirety and to study the emails I sent Prosperity Bank and Mr. XXXX XXXX and XXXX as evidence that I acted in good faith to de escalate this matter ... I ask that my police report be pulled ... I ask that my case be studied so as to prevent this from ever happening to other unwary bank account holders and debit card users ... I accept with humble submission what ever outcome I face also in this mess ... This is a mess that I did not create ... This is a mess that was started and created by both XXXX and Prosperity Bank ... I wonder too is it a federal offense to retaliate and discriminate against a person with a permanent XXXX by force closing my bank account at a time in my life when I am most vulnerable ... I wonder if what Prosperity Bank did to me is a federal offense ... Further to this I wonder if the hostile situation I encountered on XX/XX/2020 is a federal offense to set an unwary bank account holder up to fail and for trouble if God forbid I was incited to another angry response and became elevated that day and said or did something untoward ... I wonder is it a federal offense to abuse a person with a permanent XXXX like this to terrorize me to scare the living beJesus out of me with repeated threatening phone calls from big men stronger than I ever could be form very large corporations like XXXX and Prosperity Bank ... I wonder if what was done to me would be considered acts of terror and abuse ... And if so are those acts considered a federal offense ... I ask that my case be studied in depth and investigated by none other than the Federal government that governs these matters between Corporations like XXXX and Prosperity bank and small bank account holders and debit card users like me ... I wonder would this lead to an investigation on the federal level of all bank debit card holders to determine if others have experience bogus false excessive fraud alerts though on fraud exists at all and excessive restrictions ... that right there should be a federal offense an act of terror against little bank account holders and debit card users ... I felt under vicious attack by XXXX and prosperity bank ... I am sorry from the bottom of my heart for the stupid terrible things I said under duress ... Respectfully Submitted by Ms. XXXX XXXX XXXX
03/09/2018	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	TX 787XX	Web
I've been dealing with a check fraud/false endorsement issue since XX/XX/XXXX. I've been receiving direct deposit from my employer since right around my original hire date, approximately XX/XX/XXXX. Note : My Bank is XXXX. My enployers bank is Prosperity Bank. The alleged criminal in this case took the check in question and fraudulently deposited it at a XXXX XXXX XXXXXXXX. Due to a payroll error and missing tips from the preceding pay period, on XX/XX/XXXX, a paper check was cut and issued to me in the amount of {$390.00}. I used online deposit to take a photo of the check and deposit it into my XXXX bank account. After that, and unknowingly to me, someone stole that check from my possession and subsequently transferred possession of it to a third party, his name is XXXX XXXX ( as seen printed on the back of the original check image ) On XX/XX/XXXX, my account was debited {$390.00} because this individual, XXXX XXXX, had signed the paper check over to himself and brought it to XXXX XXXX XXXXXXXX for processing at an ATM. This is about the time that I became aware of the situation. I was informed by XXXX that the physical check holds a higher level superiority than a digital deposit image, therefore, the money was taken out of my account and paid to this individual, fraudulently. As soon as I became aware of this, I called my bank to find out what the protocol and proper steps were to proceed. They explained in detail what had happened. I then notified both my General Manager & Director of Operations. My director contacted Prosperity Bank and we've gone back and forth at great lengths with XXXX XXXX, VP of Prosperity to no avail. I immediately signed and had notarized an Affidavit of Forgery/False Endorsement, which I turned over to Prosperity Bank. ( Copies of all documents are available ) The affidavit is signed and notorized on XX/XX/XXXX. Since mid XX/XX/XXXX, I've been given a large run around from both banks and very little information. I had faith for quite some time that this serious issue of bank fraud would be taken seriously, especially since the culprit had the audacity, and lack of intelligence, to print his own name on the back of my check. However, the amount of time that has passed has shown me otherwise. After my patience ran out, I contacted the XXXX Police Department, Financial Crimes Division. On XX/XX/XXXX, I filed a police report ( Report # [ redacted ] ) and Detective [ redacted ], was assigned to my case. I've corresponded with her several times, once when she informed me that she had issued a subpoena for XXXX XXXX XXXX to turn over all records, evidence, and information pertaining to the case and a second time when she told me that XXXX XXXX XXXX had indicated their intent to comply and would submit all pertinently requested information, documents and surveillance footage by XX/XX/XXXX. Another time we spoke she disclosed to me her initial findings after the subpoenaed information was turned over. If there is enough evidence, they will make an arrest and I will move forward to press charges against XXXX XXXX and anybody else that the investigation may implicate. In the beginning of this situation, Prosperity Bank informed my Director of Operations ( now deceased ) that when XXXX XXXX XXXXXXXX concluded it's investigation, they would pay restitution to Prosperity Bank and then I would be issued another check. Many months have passed, and at no time did Prosperity Bank indicate they had received the restitution payment from XXXX XXXX XXXXXXXX. Exacerbated, I took to XXXX to lambast the company. Within two days of my XXXX postings, a member from XXXX XXXX XXXXXXXX social media team reached out to me directly. After she consulted with her legal department, it was positively shown to me that XXXX XXXX XXXXXXXX paid full restitution on XX/XX/XXXX and the funds cleared Prosperity Bank XX/XX/XXXX. It was not until XX/XX/XXXX that I was issued repayment of the funds. Prosperity Bank had no authorization to borrow, retain, utilize, loan, or any other form of consumption of my funds. Furthermore, during the period in between when they received the restitution payment and when I received payment from my employer, they never once indicated to any person or persons involved with this investigation and dispute that said monies had been returned and received. In fact, they continued to point the finger at XXXX XXXX XXXXXXXX. ( Check images available of restitution payment, including date of payment ) For Prosperity Banks egregious actions and for the gross negligence and intentional malicious behavior that Prosperity Bank participated in, I am seeking punitive and compensatory damages. Please contact me for any pertinent and additional information as necessary. Should you wish to speak directly with Detective [ redacted ], she can be reached at [ redacted ]. Thank you in advance for your time in this matter. Sincerely, Victim [ redacted ]
09/23/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX XXXXX	Web
The purpose of this complaint which is not a duplicate in the sense this includes a response from XXXX ... In this response from XXXX which I appreciate and thank XXXX for ... XXXX explains their position which I now understand much better ... That it is the financial institution that sets the Parameters surrounding fraud alerts ... Therefore Prosperity Bank is responsible for excessive restrictions and parameters on my bank debit card that set me up to fail and as such added to my duress and to my stress ... We are at a point in our modern world where logic via artificial intelligence a whole unique language full of impressive algorithms is causing series of events that upsets many folks ... I wrote my first computer program using logic around the age of nine in XXXX with one of my siblings ... My intelligence was always above average ... I am not an expert on algorithms and I am no genius however I have a firm grasp of the strength and abilities of artificial intelligence which is very popular in XXXX where I lived for a total of sixteen years ... I did my college levels in XXXX all six years in the XXXX ... Logic and proportion can become dysfunctional in the sense that when bank debit card holders like myself experience excessive restrictions and is not given correct information which is what happened when I was told many times that I was able to use my bank debit card then when I tried to use my bank debit card I could not do so ... That is very frustrating and I trust that you can see how exceedingly frustrating that was ... Particularly on a weekend when my funds were available for use and when in reality no actual fraud existed ... As a result of artificial intelligence new laws are being written to wit around the world to deal with events that are unique to artificial intelligence such as predatory practices and such ... Many a mob scene is created via artificial intelligence via fake news feeds that can create mob scenes ... I ask Prosperity Bank to read XXXX 's kind response to my complaint ... There are many complaints filed here with various financial institutions and as those complaints continue to add up then those complaints trigger investigations into ways consumers are treated ... I am doing much better now though no one at Prosperity Bank ever bothered to ask if my son and I are ok? Or if they could do anything to help..Not at all..Instead I was set up to fail at every turn thanks in large part to logic going out the window by artificial intelligence that has blown many a scenario way out of proportion ... So much so that folks no longer act in a normal manner and people have lost the ability to trust other people ... As a result open dialogue rarely exists anymore ... I thank Prosperity Bank for reading these complaints and for taking into consideration the stress and duress I was under on the weekend of XXXX first and second ... Also that by my behavior on the morning of XX/XX/2020 it is plain for all to see that I am truly sorry for things I said in a moment of emotional intensity ... Prosperity Bank did not act in my best interests that is plain for all to see ... If I were an unsafe person then the way I was treated by the staff at the XXXX XXXX Prosperity Bank Location could have served to escalate an already unpleasant situation caused by an abusive algorithm used in artificial intelligence for excessive fraud alerts and restrictions when no fraud existed at all ... Which then set forth in motion a series of events that could have gone horribly wrong for many people ... I have acted in good faith to de-escalate my part in this mess ... XXXX also acted in good faith to likewise de-escalate this artificial intelligence mess ... It is now time for Prosperity Bank to continue to de-escalate rather than escalate this AI mess any further ... I ask that you consider XXXX 's kind response and follow the good and kind example of how XXXX treated me in this matter XXXX Ms. XXXX, We have received your CFPB complaint concerning our Fraud Guard service. As you know from our previous conversations, Fraud Guard offers protection on consumer debit cards by providing notification of suspicious activity and account freezes. The parameters surrounding these alerts are set by the financial institution that issued you your payment card, in this case Prosperity Bank. We can confirm that pursuant to our earlier conversations and your request, we have turned off the alerts even though that has disabled the alert feature. Finally, we have reviewed your call recordings which reflect that our agents were polite, courteous, and responded to your requests in a professional manner. I believe that this should satisfy your complaint. Sincerely, XXXX
04/25/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 774XX	Web
Prosperity Bank XXXX XXXX XXXX XXXX XXXX Tx XXXX Branch manager : XXXX XXXX I filed a dispute for a purchase I made from an overseas vendor when product that I ordered arrived not as described on XX/XX/2023. I provided my documentation and was given a provisional credit for the amount disputed. At this time I explained and provided all necessay proof to validate my claim. I provided all of my documentation at the banking center including all physical texts sent to and from me and from the seller. On XX/XX/2023 I received a call from the banking manager in regards to a negative account balance due to an overdrawn account. I returned the call as I had no idea my account was negative, and I am told the charge was reversed. I then told the bank manager I would provide him with all the text messages via email as the seller was trying to deceive them in regards of the story. I told him from the time I received the product I Identified with the seller it was unacceptable and I could not sell it, as documented in all my texts messages. The seller tried to use pictures I provided him of another product that i got from my XXXX supplier of my same design and cropped off the words of our text messages to fraudulently claim that I took his merchandise and tried to sell it, and then couldn't sell so I wanted my money back. From the moment I opened the package from the seller I sent him the messages that the product was not what I ordered and that was not accepted by quality control and that I could not sell it. I sent all these pictures to him with evidence that his product will be returned when I return back to my state from the vendor show. He then tried to claim because I could not sell it so I asked for my money back. Although all proof and documentation was provided via all my text messages via XXXX I was then told a very vague " well our back office takes the stance that since you took the item to the vendor show and tried to sell it their stance is that you then accepted the product. '' Not only did I stress I could not take an inferior product to the vendor show, they insisted that because the texts READS as if I did, I did, suggesting that I was lying. I have been in business for myself for over 14 years selling over XXXX XXXX dollars worth of merchandise and I have never had an issue to this magnitude even providing all the proof which more than validates my case. I have had more than XXXX plus deposited in this bank and also paid thousands of dollars in interest on my own money via CD secured loan to establish a relationship with them. This year I chose to open a business account with them since they are the closest local bank and I have worked I have never filed a chargeback with them before this is possibly the first chargeback I have filed in almost 10 years. I have referred colleagues of mine that have even used this bank to purchase land and also refinance other loans to them to deeply validate and hopefully establish a long term business relationship with them. I stressed to them the reason I didn't and could not take this product to the vendor show as it was not up to my brand standards or quality and even gave a hypothetical that even if I were to buy product from a seller for resell and I am unable to sell that product that I still have the right as a consumer to return that product. I am told from the banking manager that he stands firm with the banking back office and their decision. I then asked him for the information in regards to my case for my records and I am then told that I could only receive a screenshot of information that I am not entitled to that information since it is from their back office and fraud protection team. I don't even have documentation of my case and that all of my documentation was sent to the back office, only the bank managers word in which I received an email stating he received my proof around XXXX XXXX and the back office that has taken weeks to respond and investigate just magically responded in a matter of hours as I received the call only XXXX hours later. There were XXXX transactions XXXX for XXXX and another for XXXX suprisingly only XXXX transaction has been returned as of yet but is likely to be rejected as they are both in reference to the same transaction. I was then told by the bank manager that they could not help me that I need to try to resolve with the seller who at this point has had no other contact with me. I have his product sitting in a box collecting dust, due to the fact he is from XXXX I would in turn have to spend hundreds of dollars to send it back which I agreed to do with no problem and provide the bank with proof and this still was not enough.
12/05/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75034	Web
This nonprofit, 501 ( c ) ( 3 ) organization holds a checking account with Prosperity Bank in XXXX, TX. On XX/XX/2022, the signers and officers of this nonprofit went to Prosperity at XXXX XXXX XXXX XXXX, XXXX, TX XXXX to close the account and were told at that moment by the banker XXXX that the signers on the account had been changed without our notification or consent. We had an established relationship with the banker ( first XXXX XXXX and then XXXX after XXXX left ) and banking center manager XXXX XXXX XXXXXXXX XXXX at this location for 3 years ; they personally knew who we were. We had expressed concerns to them in XX/XX/2022 about the security measures in place at the bank to ensure this nonprofits account was secure because we had been alerted to suspicious activity concerning this nonprofit. Through phone calls and emails with XXXX and XXXX, we had been assured that alerts had been put on the nonprofits account to ensure that no changes could be made without the consent of us current signers. We had been assured multiple times that no matter what, a transfer of signers can not occur without the consent of us current signers, still, they assured us they had placed additional notes and alerts on the account as an additional safeguard. When we signers showed up to close the account on XX/XX/XXXX, XXXX pulled up the account and shockingly told us that the signers on the account had been changed the prior day ( XX/XX/XXXX ) at a different bank branch, the Prosperity at XXXX XXXX XXXX, XXXX, TX XXXX under the approval of that banking centers manager, XXXX XXXX, clearly without the consent of us actual signers on the account and officers of this nonprofit. XXXX said the bank never should have allowed this signer change. We learned that four individuals had showed up to this different banking center branch of Prosperity and been allowed to change the signers on this account to themselves, thus wrongfully transferring control of this nonprofits account of them. We were also told that the banking center manager XXXX XXXX at that location ( XXXX XXXX XXXX ) instructed those individuals on additional paperwork they needed to ensure their fraudulent activity and wrongful transfer were successful, and these individuals complied. Despite the actual officers and signers of this nonprofit providing a Board Resolution striking down all of this fraudulent activity and asserting the actual officers of this nonprofit to XXXX and XXXX on XX/XX/XXXX ( between the time these fraudsters first showed up on XX/XX/XXXX and when they came back with the fraudulent document that the banking center manager XXXX XXXX instructed them to make up ), Prosperity still went forward with transferring control of this account to these fraudulent individuals and even set them up on online banking. Prosperity claims they have frozen the account. It has been over 2 months now and this nonprofit has been locked out of the nonprofits funds and are unable to conduct the business we need to conduct because there is no access to funds to pay for this nonprofits business dealings. It appears Prosperity has violated provisions of the Bank Secrecy Act and the Know Your Customer provisions of the USA Patriot Act, and perhaps there are other violations. We rightful signers have tried multiple times with Prosperity to regain access to the account. The bank has actually gone so far as to want us to negotiate account control with the fraudsters who Prosperity has given control of the account to after Prosperity coached them on how to perpetrate their crime. To date, the bank refuses to give us original signers back access to the account, despite this being all being a result of their gross negligence and despite us signers never being contacted by the bank about the signer change, never authorizing this signer change, and us actually proactively instructing the bank ahead of any of this fraudulent activity to never do a signer change without us current signers present.
08/26/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	TX 76244	Web
I am a first time home buyer. I applied for the HOPP loan at prosperity bank for a mortgage around XX/XX/XXXX. I notified the loan originator that I had just changed jobs and did not have pay stubs yet. The loan originator stated I could be approved with the offer letter alone and encouraged me to move forward with the application. She had stated they had approved another person on this loan with the offer letter alone that was in a similar situation as me the week before. I was preapproved within an hour of submitting my offer letter. I submitted an offer on a house on around XX/XX/XXXX. The loan originator began working on the loan. They forced me to pay their appraisal for {$700.00}. I had to pay for an inspection for around {$300.00}. A few weeks in they requested one paystub and stated all I needed to submit was one paystub and it didnt need the full 40 hours, they just needed a paystub and they could approve the loan. I submitted my first paystub. They were fully aware I was in training and did not have the full 40 hours. They then requested a second pay stub and said they are not looking at the hours and they could approve with 32 hours worked. I told them that the date I get paid is after the closing date. They said they could extend the closing date. The original closing date was set at XX/XX/XXXX. I was told it was extended to XX/XX/XXXX. On XX/XX/XXXX I submitted my second paystub. I was told later that day by my loan officer they need to wait till the next paystub to approve. I asked why and she said the underwriters are not wanting to approve because I did not get the full 40 hours. I asked her why she told me I could get approved with the offer letter alone before. My loan originator said that the regulations just changed. I requested the return of my earnest money and money spent and to cancel the application and contract. I was notified that the sellers are requesting the earnest money on friday. I asked her which friday and she didnt respond. I asked my loan officer if we could cancel the loan. She then said it is a long process to go through and they just need one more paystub and they could approve. I asked if we could do a down payment to make up the difference to close. My loan originator would not give me an awnser about the down payment until on monday XX/XX/XXXX. On monday, I was notified that I would have to pay {$30000.00} to close, I would have to pay off a student loan, or I would need someone like my husband to " gift '' me money to have more money in my account. I was then notified that my contact had expired and I was never in a contract from XX/XX/XXXX to XX/XX/XXXX. I was also never notifed throughout the entire process by my loan officer, the bank, or my realtor that we had 21 days to back out or the earnest money is lost to the buyer. On XX/XX/XXXX I was first told of the 21 days to back out to regain the earnest money and that the seller is refusing to pay back the money back because we are beyond the 21 days. I called the president of the bank branch and explained my situation and how I was led on and decieved by his loan originator. He told me he would look into it, he was sorry I was put in that situation, and that underwriters have strict guidelines. I waited all day on XX/XX/XXXX and later got a call from the president of the branch stating that the underwriter requires 30 days and can not approve on an offer letter and that I was currently not in any contract since it expired. He said they treat every customer equally which is a lie because his personal are the ones who told me they approved someone else with the offer letter alone. They even bragged about it to my realtor. I am writing to inform of the deceit, lack of communication, and unethical behavior of this bank with their mortgage process. I believe I was scammed and led on by the loan originator to continue into the mortgage process with no intention of servicing the loan.
07/29/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77498	Web
Around XX/XX/2021, i obtained a mortgage through Prosperity Bank to buy a new home ( House XXXX ). I chose this bank because i have used them for refinance before and felt i have a good working relationship with the loan XXXX, XXXX XXXX. Simultaneously, I was selling my old house ( House A ) to get the money to put down for the new purchase, House XXXX I have own XXXX other house before and have always obtain a 30 year fixed rate mortgage loan. So when i requested for a loan for House XXXX, I also told XXXX that i would like a 30 year fixed rate loan. This is also the only loan i'm familiar with and have heard about. Like most people, i don't have much knowledge about the different types of loans. Because of my lack of knowledge about different types of loans and not understanding everything that is in the fine prints, I like to talk to the loan XXXX over the phone to ask questions and/or confirm my understanding of a document. When XXXX informed me of the interest rate that she got for me ( 2.5 % ), i thought that was a very good rate and CONFIRMED with her that this is for a 30 year conventional. she said " yes ''. On the day of closing, which is XX/XX/2021, the closing XXXX asked me if i know that the loan rate only stays fixed for 10 years and after that it increases 2 % every year for the next 10 years> She told me this loan is called an " XXXX XXXX XXXX '' and that beginning month XXXX, my interest would go up 2 % and this happens annually for 10 year!! I was shock and very upset because i did NOT know this. I asked her to halt the closing process so i could call XXXX. I felt maybe XXXX made a mistake. Even the last time I spoke to XXXX, which was the day before to confirm the 30 year fix rate before I go to closing the next day, she said yes. The closing agent said i could call the loan XXXX, XXXX which i did. When i asked her why she lied to me and XXXX yes when i asked if it was a 30 year fixed rate, she said that she didnot and it was in the fine print. I was very upset at this point and asked to speak to her XXXX. XXXX refused multiple times to let me speak to the XXXX and at XXXX point she hung up on me. I kept calling back demanding to speak to the XXXX. She gave me multiple excuses like the XXXX is not there and then she finally put me on hold multiple times. Finally, XXXX said the XXXX would call me. A man name XXXX XXXX came on the phone and identify himself as the XXXX. I told him the situation and he said to me that Prosperity Bank does not carry the 30 year fix rate loan so they had to " farm it out ''. I told him that XXXX out right lied to me since i confirmed with her the type of loan i wanted. I expressed my concern about the end of 10 year on how am i going to afford a higher interest rate and closing cost. he told me that Prosperity has another program to help me refinance to a fixed rate and a flat closing charge. He made it sound reasonable but in my XXXX, i knew he was trying to appeased me. The phone number for XXXX XXXX XXXX is ( XXXX ) XXXX. At XXXX point during this closing, i was calling around to my real estate agent and other people i know to try and get a different loan. However, i was in a difficult place because i have already closed on my old home. the owner of House XXXX have already given me an extension because the buyer of House XXXX 's first loan fell through. I felt pressured to accept this loan because i didn't want to lose House XXXX. My children and I would not have a place to stay. consequently, i felt pressured to go ahead and sign for this mortgage that XXXX created. I have been very unhappy since and felt stressed and pressured to make extra payments every month to get the loan amount down before the 10 year. i would not even know to make this complaint except for the fact that i am taking a course to better educate myself on loans and found out that I have rights to complain.
09/24/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX XXXXX	Web
I am in receipt of Prosperity Bank 's response see their attached response : Pursuant to the complaints I filed numbering ten as follows : CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX I am truly sorry that Prosperity Bank feels the way they do concerning me and things I said for which I have profusely apologized for many times. Both verbally and in writing ... I cite the following errors in XXXX XXXX XXXX '' s lengthy response ... While XXXX provides some very good explanations behind these fraud alerts ... XXXX claims that I Ms. XXXX never responded to those fraud alert texts ... I have screenshots that I have submitted as evidence that I did respond right away to those fraud alert texts but my Yes response failed to go through ... Further the system failed to recognize my phone number the same phone number used by the system to send me these fraud alert texts and phone calls ... XXXX claims that I entered the XXXX Prosperity Branch on XX/XX/2020 and that is not possible that is an error ... I entered the XXXX Prosperity Branch on XX/XX/2020 ... I have phone records of my phone call to XXXX XXXX that morning requesting XXXX 's help because the staff at the main Branch refused to help me ... XXXX sees fit to mention other complaints to unrelated third parties in her response to me ... I could perceive that as a veiled threat but I will let that one go ... As for third parties and complaints I see fit to make that is my call ... I want to set the record straight for all eternity that yes I made serious mistakes too and I am truly sorry for things I said ... I see no accountability or apologies from Prosperity Bank for problems caused by excessive fraud alerts and subsequent restrictions ... Prosperity in their response dances around the gray area where financial institutions can and do have a say in ways these fraud alert systems function ... I was never made to feel truly welcome at Prosperity bank as evidenced by messing with my bank card to such an extreme I behaved badly under duress..I apologized for this many times. As for the hatred that I experienced by Prosperity Bank I would have more respect if they just up and shot me after all I do not own a XXXX and I am not violent at all..I never ever want to know how to use a XXXX ... Sadly under duress I said things I will regret for all eternity ... Sadly Prosperity Bank sees fit to provide a lengthy response filled with veiled threats which I am well versed in experiencing and full of venom by painting me as unstable and dangerous ... The facts remain that my XXXX XXXX was compromised when these events occurred ... It would be wise for Prosperity Bank to say out of my personal affairs by sprinkling commentary in nasty responses about third party complaints not limited to Prosperity Bank and by suggesting that I am the whack job who is unstable and unsafe ... I own my mistakes I own that my XXXX XXXX suffered ... This is true ... There is no way in hell or on earth that I could do such damage to a soul ... So if Prosperity Bank sees fit to harm me then so be it ... I do not live in fear ... I have no fear of such harm but I would not be surprised if such harm came my way ... After all what happened on the morning of XX/XX/2020 not XX/XX/2020 as XXXX claims was a bloody disgrace ... I am XXXX due to XXXX XXXX concerns something Prosperity Bank would do well to acknowledge and respect ... I have the screen shots of my responses to those fraud alerts and I suppose of those phone calls were ever supboena 'd the whole truth would be revealed as to the sequence of events as they unfolded the subsequent escalations and yes the ugly truth that I behave horribly as well ... I am truly sorry for my horrible bad behavior and things I said..I have apologized for my part in this many times both verbal and in writing ...
05/10/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 774XX	Web
I currently filed a complaint with this bank in reference to a chargeback that I filed. I was able to review the information provided in their complaint and it is just as I have suspected. When i filed a case with XXXX they advised me i did not have buyer protection because the purchase was one made for resale. When the information was provided to the bank it was incomplete, there were holes in it, the seller left out the texts and the correct chronological order of events and falsely tried to claim my other vendors product as his. I provided this information to the branch manager XXXX XXXX of the XXXX branch. As I expected none of this information was ever provided to the back office as none of this information shows up in the 48 page case that was attached. I was told this information was provided to the back office and they made the final decison, but i was blatantly lied to as none of this information is in my case. This information that I attached shows the true order of all text messages what was discussed between myself and the seller and what i advised him would happen. Not only have I provided all this information I have not received any information from the bank until a filed a case, where this information came straight from XXXX as the seller tried to deceive them and no one has taken into consideration what has really transpired. I have called XXXX and they have advised me that they have no control over this case only the bank has. The bank has failed to provide the documentation i presented which is the entire story to XXXX nor did they take any initiative to validate the dispute with all the information provided. For the simple fact alone that all the information provided did not reach the back office suggests that I have not only been lied to but deceived and defrauded. there is a section in the files about me returning the product and i have advised the bank multiple times i will at my expense to ensure there are no issues in relation to me keeping the product. Not only did the bank never give me this information, they refused to validate the information I provided as it is not in this case. They have refused to work with me and insist on not looking at the facts and making decisions solely off feelings and not the entire story. My dispute that was filed with XXXX was not the same dispute given to the bank, and even with this information they have failed to validate the truth or the entire story. I again will be adding documentation of the full story not bits and pieces that don't make sense. I also will be filing multiple other complaints with all other industries as I refuse to be silenced when I know I have done no wrong and only just want to return goods and get my money back. I spoke to XXXX on XX/XX/XXXX and they said they have not received any of the documentation that I presented to the bank, and that it is the banks responsibility to file appeals and that now that the bank has jurstiction they can no longer touch the claim. They also validated that none of this documentation was uploaded in the documents sent them and you can see the banks attached info and they did not perform a full accurate inverstigation. The bank and their back office did not upload anything in their previous complaint to respond the the false allegations from the seller. I will be submitting this information also with the information from my other supplier and the merchandise I purchased from them, so that its clear.
10/21/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX XXXXX	Web	Servicemember
On XX/XX/18 I requested Ms. XXXX XXXX to file a Dispute against XXXX XXXX for {$3700.00} after being forced to cancel treatment based on a Misleading quote ; Request for more money than agreed upon ; Undisclosed treatment spectrum ( reducing size of area to be treated for additional cost ) ; Additional cost for pain meds, all circumstances in violation of the Texas Deceptive Trade Practices Consumer Protection Act ( DTPA ) Paragraph 23 ; Services not rendered ; Cancellation 11 days prior to scheduled date ; Three ( 3 ) business days after signing Consent Form for XXXX XXXX to perform treatment : signature on XX/XX/18 and Notice of Cancellation on XX/XX/18 according to Texas Occupations Code Section 702.307 Cancellation of Contract for Full Refund known as right of rescission. The Original cost of treatment : {$11000.00} paid with Personal Visa XXXX {$4000.00} & Commercial Visa XXXX {$4000.00} and MC Debit Prosperity Bank {$3700.00}, all paid online on XX/XX/18 upfront as required before treatment ( XX/XX/18 ). Attached letters to XXXX & only transaction receipt sent unsecured by their Merchant eProcessing Network ; XXXX refused to provide Numbered, Official Paid Receipt billed for my records. On XX/XX/18 Ms. XXXX informed me via email that my Dispute claim on amount of {$3700.00} has been dismissed based on that I " apparently clicked something online before payment '' & also because of copy of a " Policy Form '' sent on XX/XX/18 by XXXX Merchant : XXXX XXXX, that I signed as a " Patient '' on XX/XX/18 -keep in mind that I have NOT authorized nor consented the Release of ANY Patient information Form signed to XXXX XXXX , having XXXX to release this " Patient Form '' to their unsecured, HIPAA noncompliance, Merchant and having this XXXX XXXX re-transmitted to Prosperity Bank , represents a clear violation of HIPAA Rights & PHI rules. Furthermore, this " Policy Form '' labeled " Payment, Refund And Replacement Policy '' clearly states above my signature as a " Patient '' that " I have read, understood and will adhere to the PAYMENT POLICY described above '', formally excluding my agreement from XXXX " Refund and Replacement '' policy segments. By law, for a " Patient '' to have read, understood and signed to adhere to XXXX Policy described on this document, it should have had read : " I have understood and will adhere to the PAYMENT, REFUND AND REPLACEMENT POLICY described above '' ; which is not the case. Please find attached letter sent by XXXX XXXX on XX/XX/18 responding to my claim through XXXX regarding the total return of {$11000.00} stating that she needed a signed Release of Information from me in order to address this issue. Apparently, XXXX XXXX 's office has NOT regards with HIPAA laws when electronically sending " Patient Forms '' to Merchants and Banks but, it is a problem when it comes to address this issue. In addition, Prosperity Bank has no problems in accepting documents not properly authorized by HIPAA laws as well. Since the Fraud Dept. has decided to close this dispute in 3 days according to Ms. XXXX 's email, I requested by certified mail that her office responds in writing regarding their Fraud Departments Policies, Procedures, Credentials, Limitations and Responsibilities but no answer as of to date, has been provided.
09/26/2020	Yes	Checking or savings account Checking account	Closing an account Can't close your account	TX XXXXX	Web
I put to Prosperity Bank the following ... That the letter written by XXXX XXXX XXXX his invective incendiary and a tool used to Cancel me out in a very " Cancel Culture '' manner ... A tool using the powers of the pen to paint me as a criminal when I am certainly not a criminal ... I already took responsibility for things I said under duress. For a woman to do this to another woman is beyond my understanding ... I am a XXXX XXXX on my own raising my son who is now XXXX years old ... I am small not much at all and very vulnerable ... It is awful that a woman would do this to another woman ... Aggression and rage is very plain behind XXXX 's letter ... The way this situation was handled is a disgrace and XXXX with all her education fails to get certain dates right and never bothered to check her facts ... Something a good lawyer always knows to do which is to fact check and avoid typographical errors ... I am not a lawyer though I dare say ones like XXXX and I make no claim that she is a lawyer either ... Would devour little people like me with their vile hatred and anger ... I state that the letter from XXXX is invective incendiary with intent to cause me more harm and does not intend to de escalate this already very unpleasant situation ... Whatever XXXX was taught in school she certainly never learned how to de-escalate unpleasant situations and empathy is lost on ones like XXXX ... The records show that I acted in good faith to de-escalate this siutuation ... XXXX seeks to devour me like a lamb led to the slaughter of invective incendiary responses that only serves to fuel this fire ... A fire I am trying to put to bed and put out yet XXXX insists on continuing to add fuel to this inferno of incendiary invective as evidenced in her sloppy letter that is evidence that this woman can not be reasoned with and I dare say reason has gone out the window as has empathy and common decency ... I admit my wrongs in this mess ... All I ask is to be given a chance to get on with my small life and to avoid any further interactions with ones like XXXX who would devour me if she could get away with it. That is why I can not close out my bank account with Prosperity Bank though Prosperity Bank put pressure on me to close out my bank account ... I can not do so for fear of being harmed as evidenced by the series of unfortunate events that ones like XXXX seeks to continue and to escalate and fuel ... I refuse to be complicit in abuse like that ... I wipe the dust off my feet in mystical testimony that ones like XXXX are not safe ... That ones like XXXX though highly educated are a nightmare on earth and use the powers of speech and the power of the pen to destroy little people like me ... In the eyes of ones like XXXX I am nothing but a deer in the headlights to be destroyed by the powers of her legal pen full of incendiary invective ... Respectfully Submitted by Ms XXXX XXXX XXXX
03/28/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OK 74136	Web
Regarding XXXX XXXX XXXX XXXX ID # XXXX I applied for a mortgage with Prosperity Bank in received a prequalified letter for XX/XX/2021 to XX/XX/2021 for a conventional loan. I found a house which did not pass inspection. I found another house and was going through the closing process which was to be XX/XX/2021. When I started the process on the second house with another realtor the loan officer XXXX at Prosperity apparently threw my file away as if I had not recently received a preapproval letter which was still valid. She told me that I had to reapply for the loan, which was less than a month old. I RE provided all the documents requested and paid all the money for an inspection and at the end was asked to pay for an appraisal of {$700.00} which was overpriced as a standard appraisal is listed around {$250.00}. I found the letter stating that I may not need an appraisal and if I did it would be {$200.00}. All this time the loan officer was not communicating with me. My realtor and myself asked her if the loan was going to close and she said yes she wouldnt have me come this far in the loan process if I wasnt going to be approved. I work remotely and it was as if they made a point to get the company I work for to say I couldnt work remotely in Oklahoma then denied my loan. Sub services handles all questions about my work and they found someone who does not manage substitutes to verify a question that was out of their area of scope. As a sub I am basically independently contracted to the district and am able to pick and choose days when I want to work regardless of where I live at. The main point in to complete the job assignment I love picked up. I was approved for a conventional loan because I have a strong credit score. I have a long work history and am confused by the conversations I have had with the loan officer. It seems to me that the loan officer was reluctant to work with me after she found out I am a woman of XXXX. I realize XXXX is known for the race XXXX and it seems to me Prosperity Bank is not in favor or prospering XXXX of XXXX. From working with the first realtor to the second their was a major lack of consistency. On the first loan I received congratulations on my property prior to completing my inspection! I have emails and documents to support these claims. You will see how the level of professionalism changes after XXXX when the approval letter and home loan was in progress. I am requesting a refund of my monies and a review of XXXX files to verify she is servicing all clients equally. And advise borrowers of XXXX to avoid Prosperity Bank. Thank you in advance for your assistance in resolving this lack of professional in the mortgage industry.
10/26/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75075	Web
We are banking with Prosperity Bank in Texas. They have continually closed our card or flagged it as fraud for using it in the XXXX. We are currently in XXXX and they have started doing this here. Before leaving to XXXX I worked with the bank to confirm that we were going to be in XXXX and had them add a note. Most recently they did this last week around XX/XX/XXXX. We made a purchase and the online banking site was restricted to us. We could still use the debit card, but we could not access the our account online. We called support and they said that they could not do anything and that we would have to call the branch we work with, since a specific person there was the one that suspended our account and only they could undo it. We contacted the branch and they continually said that person was not there or had left for the day. We eventually got in touch with the manager and she was able to work with someone, pretty quick, to unlock the account. It was not horrible because at least we could still use our debit card at ATM 's to make withdraws. They re-added the note saying that we would be making purchases in XXXX. XX/XX/2021 We found that we were locked out of the account again. We called the bank and the Teller told us that they could not do anything about it because of a note on the account to contact the manager. We contacted the manager, but kept getting a message that she was not available and to leave a message. We called the bank again and they said that they could call us back and that the manager would call us back, but neither ever did. XX/XX/2021 We called the manager in the morning and received the same message, she was not available. We called the branch and they said that they could not do anything and could not disclose anything about the account, except for some messages that list possible fraud. The person at the bank said that he was communicating with the manager and said that they are working on the issue, but the issue goes higher up than herself. They said that they would notify us when the issue was resolved. We were not able to get any answers and the issue was not resolved. Our money is being held by the bank and they will not release it to us or allow us to access our money. We are currently in XXXX, with about {$25.00} on us. We are online teachers that get paid through XXXX and that money is also not being allowed to our account. At the moment we are stuck without money or answer and XXXX year old XXXX child. We are needing access to our account and are not being given any answers. Thank you, XXXX XXXX XXXX XXXX XXXX
02/19/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	TX 75248	Web
Prosperity Bank failed to setup my autopay debit deduction when I closed on my loan on XX/XX/XXXX. They offered .125 % discount to do this. I had already setup an account with them and was preparing to transfer funds. They scrambled and acknowledged what they did. They then setup another round of closing documents for a loan modification. During this time, they noticed that they failed to have me get flood insurance. During the nearly 2 month process for the original loan, they completely missed this. I then scrambled to get this done. I had to pay for a flood certificate to be created, and the surveyors were weeks out on getting this done. I finally was able to get someone out to the home and the certificate produced, but so much time had elapsed that I had to make my first mortgage payment on XX/XX/XXXX. I had transferred my funds into the account and I was in constant communication with the banking staff handling this loan modification. They told me to wait until we had the new loan documents in place and that they would waive any late fees. I waited and waited. The process for the flood insurance took so long that it eclipsed the XX/XX/XXXX payment date. Again, I asked and was told to wait. In the month of XXXX, I received a call from the prosperity collection team. I was disappointed because I have never been late with a payment and I am super diligent about all of my payments. I also received a delinquent payment mailing in the mail. I communicated with all members of the prosperity staff and expressed my disappointment. I was told that this was going to be corrected going forward. We finally had a closing date setup for XX/XX/XXXX. I was still getting collection mailings despite what was communicated to me, but I ignored them because that is what I was told. I finally setup an autopayment draft during the closing on the XX/XX/XXXX. During the closing, I paid up through XXXX and then on the XX/XX/XXXX, Prosperity successfully withdrew my monthly payment. Thus, in mid XXXX, everything was current. Then I get a credit alert about how I missed a mortgage payment and my credit score had dropped precipitously. To add insult to injury, Prosperity Bank CHARGED ME FOR CLOSING FEES even though they were the source of needing to do another closing in the first place. I finally had had it. I sent the alert notification to the bank and told them that I was reporting them.
09/25/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	TX 778XX	Web
This is a new complaint that I put to Prosperity Bank citing a demand I received in the mail and verbal threats that I received that I would be charged a {$35.00} over draft fee for my account going under XXXX balance by slightly more than XXXX cents ... I was told by XXXX XXXX that due to this being an error on the part of Prosperity Bank since I had already opted out of over draft protection to avoid the problem of overdrawing and overdraft fees ... That the overage was an error on the part of Prosperity Bank not my error ... I ask that this also be looked into in terms of ways Prosperity Bank terrorized me treated me like trash by threatening me on numerous occasions with over draft fees putting great pressure on me for mistakes made by Prosperity Bank ... This put their own employee XXXX XXXX in a very terrible and awkward position ... To say that Prosperity Bank acts in an egregious manner towards their own bank account holders and their staff is an understatement ... Also the day I asked for help with faxing my pay stubs to social security I was told by staff including XXXX XXXX that Prosperity Bank does help with small business matters pertaining to funds that are in their bank ... Therefore my request to fax my pay stubs for funds from my job that at the time were deposited into Prosperity Bank falls under that category and is not personal business ... I see fit to set the record straight and to stand up for myself ... I ask that Prosperity Bank Cease and Desist blaming their own employees for their mistakes and to stop putting small individuals like myself in very awkward positions setting ones like me up to fail at every turn ... Instead of de escalating this situation ... Prosperity Bank sees fit to paint me in a bad light as if I am a terrorist and makes a very vile effort to lead me like a lamb to the slaughter in this war of words ... It is awful ... In light of Prosperity Bank 's history of aggression towards me via many threats to charge me with over draft fees including verbal abuse by citing their policies at times that were not necessary and in light of how this bank has chosen to try to pin their mistakes on XXXX and their own employees and in the process also trying to lead me a very small individual bank account holder to the XXXX ... That's enough Prosperity Bank needs to cut this out they are out of control ...
02/17/2021	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	TX 77535	Web
Im going through identity theft and fraud ive been victimized. I noticed there has been fraudulent activity that has been taking place since 2016, I came to knowing that there had been fraud accounts : such as treasury accounts linked to my business account. I cae to knowing this because i had asked my fiance to check my business checking account for the balance and then ... she yelled to see what she was seeing on the online banking system with prosperity bank, She had accidently clicked the treasury account tab and using the exact same log ins as my checking account for my business, had logged us into a treasury account with 3 accounts in it with large amounts of money $ XXXX, xxx, xxx.xx,. I freaked we called the customer service number and they said it must of been glitch due to the updating their system. Well i did not believe what they told me. I asked a representative at the bank i normally go to and she stated that if i did not have an account it would of never of let me log into those accounts. back and forth they denied that it existed. including fraudulent transactions, i could not report it due to it being past the the days to being able to being reimbursed. I never had a bad check, always stayed on point with my business account, after i had a contract with a company and it was over {$7.00}, xxx.xx or so the bank did not want to cash or deposit my check the next day. they actually wanted to put a 21 day hold. so i told the to close the account. going through all this conflinct with the bank i couldnt get those numbers out of my head so, i called again and this time after the account being closed a representative confirmed my theory and what i had seen. there was actually 3 accounts 2 business accounts and 1 atm direct, im still not sure what that last account is. she also mentioned that they accounts were also closed and that they balalnce was {$0.00} out. This fraud has been done to me personal and business has been affected. they also reopened my bank account fradulently supposebly do to a check that cleared in our paperwork and statements way earlier like 2 months back. then they changed it and said it was due to a cash app deposit of {$5.00} which i never did i checked my accounts and nothing.. they lied and are still lying to me.
09/12/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX XXXXX	Web
Pursuant to the complaints already filed in detail against both XXXX and Prosperity Bank ... I want this to be noted ... That due to added stress that made my situation worse ... I have been unable to make my initial appointment with the XXXX XXXX ... My medical doctor referred me to a XXXX due to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX which is out of XXXX ... I had to cancel that appointment twice due to the escalations that caused me to become very upset and to need to rest more and to cancel important doctors appointments ... I want this to be noted that stress can kill and that I have been under duress for a very long time now ... That Prosperity Bank acted in an egregious reprehensible manner in my regard and that due to mistakes made by XXXX I was forced to walk with my XXXX XXXX to local merchants since I do not drive I have to walk or take the bus or XXXX or XXXX ... So on the weekend of XX/XX/XXXX and XX/XX/XXXX I had to walk though I am supposed to XXXX XXXX XXXX XXXX until I am seen by the XXXX XXXX ... The inconvenience and stress I was placed under just to get my bank card to work on the weekend of XX/XX/2020 was a nightmare ... This has to be addressed so that this does not ever happen again to other unwary bank account holders and debit card users ... I did send an email to Both Prosperity Bank and to XXXX that I beg their forgiveness for things I said under duress and that I also forgive those who were horrible to me including the vicious staff at the XXXX XXXX XXXX Branch from my ordeal on the morning of XX/XX/2020 ... No one ever bothered to ask me if I was ok or if my son was ok ... No care or concern for my well being was shown me ... Though MrXXXX XXXX XXXX saw fit to ask me if I was ok I also felt under threat by him because it seemed to me that the purpose of his phone call was to leverage and use any information I provided him against me ... That is how I feel about the phone calls I received from XXXX ... These were not authentic caring phone calls these were harassing phone calls XXXX bent on threatening me further and on using any information I provided XXXX against me ...
09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	TX 793XX	Web
My ex fiance went behind my back and took out {$300.00} through XXXX XXXX on my bank which I personally did not have that money in the first place I have no idea how it came out only to find out today that on the 9th my dispute that I started on the XXXX XXXX XXXX when I finally figured out how to get this stuff taken care of was denied because the fact that I've used cash several times in the past however if you look at my thing I have never spent more than 50 to {$80.00} at a time except for one steering XXXX when I was buying everyone XXXX presents, and apparently they said that I told them that it was not a fraud through text but most likely that means if they did text me I have a feeling with the way my ex is he probably saw the text on my phone and replied and deleted it when I was asleep because this did happen when I was asleep in the first place because I would never have let him overdraw my account and I need to finish the dispute in order to finish my identity theft report because my ex had stolen my bank information, my state ID my social security card, birth certificate, stuff like that nature of my son 's, and a lot more and I'm trying to get it taken care of but I can't whenever they are not willing to speak with me about it even though I filed a police report and everything just because of something that was out of my control and I want it fixed now because it's been 4 months and I'm not going to let him hang over my head and I'm not going to let him get away with doing this stuff because I'm tired of it, I'm tired of hearing people come to me about the things he said and did with me and after me and even before me and of him still harassing me even though I have a no contact order on him and there's nothing that can be done it seems like or at least nobody wants to do anything to actually help me at this point he has caused me to lose my son have issues getting a job be homeless and so much more and it's emotionally and at this point even physically texting because I am literally worrying myself sick with all of this stuff and I want action.
02/11/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 75149	Web
Since my initial contact with Prosperity Bank dba XXXX XXXX & Mrs. XXXX XXXX in XX/XX/2019, I had let it be known that I would be using any and all proceeds from the sale of my previous home to put down on the purchase of my new home, making the loan needed as small as possible and making my monthly mortgage payment lower. I was sent a loan estimate on XX/XX/XXXX showing that my loan would be for {$140000.00} and {$82000.00} would be my cash to close, including closing costs with a closing date of XX/XX/XXXX. See attachment # 1, XXXX. On XX/XX/XXXX, three days before my closing date, I was informed by Mrs. XXXX that my loan was being changed to an amount of {$170000.00}. My cash to close had been lowered to {$51000.00}. See attachment # 2, XXXX. I asked her why this was happening. She responded with the question " Have you made any plans for your future? '' or something to that effect. She then began to sell me on investing services and financial planning through XXXX XXXX XXXX. An email from Mrs. XXXX referencing this is attached as XXXX. She wanted me to take the money I had previously stated that was to go toward the purchase of my home and use it on some investments I had never inquired about or even desired. I also think it is obvious that she did this to get a bigger commission for this transaction by making me agree to a bigger loan. XXXX XXXX will also make more when they sell the bigger loan to another financier. At this point I had three previous home purchases fall thru for various reasons starting back in XX/XX/2019. I had already made plans to vacate my temporary residence and had called my moving service to deliver my belongings at my new address and requested time off from work when the unwanted change in the loan was presented to me. I was anxious to get into a home of my own and use my belongings that had been in storage for the better part of a year. I believe she timed this change to take advantage of the situation and coerce me to agree to a loan I otherwise wouldn't.
12/14/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 774XX	Web
My husband refinanced our home & property with Prosperity Bank - it is handled out of their XXXX, Texas office. During the refinance process, I was left off the paperwork - therefore I have no responsibility or authority with any aspect of this loan. Three years ago, we fell into financial problems & were behind on the mortgage, but it was caught-up & has been current for over 18 months - close to 2 years. Based on paydays, the loan is paid on the XXXX of every month & Prosperity has been aware of this for 2 years - nothing has changed. However, there is a gentleman with the bank, XXXX XXXX, who calls ME every month - sometimes up to 3 times a day. He has my husband 's phone number as a contact & I was added as an emergency contact only. I can not get any information about the loan, I can not make any arrangements ( if it were necessary ), I have literally zero ability to handle any aspect of this loan or the property, because I am not on the loan. But ... every month, I will start receiving harassing phone calls about the loan. Every month, XXXX XXXX is told the same thing : the loan will be paid on or before the XXXX & do not call me again. He has been told this for at least 2 years - but he still calls & harasses me every month. My husband no longer lives with me & travels 100 % of the time. Again, because of the refinance, I have no authority over the loan or the property. XXXX XXXX is very aware of this because he has refused to provide me with information about the loan in the past. Every month I tell him to stop calling me, as this is not my loan - not my mortgage - not my account, but he never stops. Last month he called me 3 times in one day, on both my home & cell phones. He 's started the harassing again today for the XXXX payment. I know that the mortgage is current & all late fees are paid each month. There is no reason for this man to continue calling & harassing me every month. This is not my loan or my responsibility.
10/12/2018	Yes	Checking or savings account Checking account	Managing an account Cashing a check	CA 94085	Web
" Hello XXXX This letter is concerning Prosperity Bank customer REDACTED ( cc'ed ) and a recent check ( Check # 22, {$160.00}, REDACTED, XXXX REDACTED -ATTACHED ) that he deposited via mobile app at around Tuesday, XX/XX/2018 that was erroneously returned as a " fictitious item/altered tender. '' Full disclosure, I am also copying REDACTED, Chief Risk Officer for Prosperity Bank, and the three Area Chairpersons for the XXXX/XXXX XXXX area where REDACTED banks, as well as REDACTED, the issuer of the check. For background, REDACTED is a XXXX XXXX based " XXXX '' company that processes payments on behalf of business partners that include XXXX/XXXX transactions, as well as -and in this case- UCC and XXXX image compliant digital check images optimized for mobile deposit, and that meet the XXXX definition of a valid check. We understand from your customer, REDACTED, that his mobile deposit of the check was rejected as " fictitious item/altered tender. '' While I am not in a position to second guess your algorithms and policies that arrived at this conclusion without communication with the XXXX, I will say that it was 100 percent incorrect in this situation, denying your customer pay to which he is entitled. If it pleases your Chief Risk Officer, I am also happy to refer you REDACTED Cybersecurity and Fraud Intelligence officer REDACTED, with whom I work with on a daily basis in my capacity as Head of Fraud Detection at REDACTED. He would be able to validate the check as authorized by checking in with the account holder. Also, you may simply check with the actual originator of the check, REDACTED, who is included here. The resolution of Prosperity Bank 's error is between Prosperity and REDACTED ; I hope that the information and resources offered may only assist in that resolution promptly. Best, '' Despite this, Prosperity Bank disregarded protocol and did not accept the check for processing, nor check in with the XXXX account holder.
09/25/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	TX 78410	Web
Prosperity Bank made an error by letting charges get transferred back to my account after I went to great lengths to get my debit card canceled and blocked due to a home health care provider having access to my debit card when I was away from home and in the hospital and too sick to look after things at home, she used it to buy jewelry from a company known as XXXX. By promising not to file a police report I was able to get her to return the package she received. It had a packing slip of items and costs and I checked and all the jewelry was still in the package and small boxes not opened. I called the XXXX XXXX and told them that the jewelry was not ordered by me and they told me to return it registered receipt and a tracking number. They also said that Prosperity band had already charged back the items to them and that I should have credit for the items already. I told them that PROSPERITY BANK GAVE ME PROVISIONAL CREDIT ... ... ... .pending investigation ... ... ... ... When I was n\otified that the tracking showed the items had arrived and a signature receipt inctluded also, I took it to Prosperity Bank. They made copies of everything and told me they would be sure to make the provisional credit a permanent credit and the case was closed. Then today I was shocked to find that Prosperity Bank had let those charges post even though the debit card was canceled and the case was closed. I spoke with XXXX XXXX and they confirmed that they had received the items back and it was in error that they somehow got charged back to my Bank Account. They said that all my bank has to so is reverse the charges back to them. But Prosperity Bank refused to do anything ... ... saying ... ... .... '' There is nothing they can do, that I have to resolve it with the company who charged my account XXXX WITH A CANCELED DEBIT CARD THAT DOES NOT EXIST XXXX I am Filing a complaint with the Federal Trade Commission!
06/07/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75206	Web
This is my official statement to report fraudulent activity on this debit card account ending in XXXX. On Monday XX/XX/XXXX at XXXX XXXX XXXX, I contacted Prosperity bank to report compromised card and after speaking to the bank rep named " XXXX '' & " XXXX '' on a recorded line two separate times and it became very evident that my bank card was being used fraudulently and charges were run at multiple simultaneous merchants and even attempts to withdraw funds from my accounts per the reps comments. The debit card has been stolen and the charges are outside my geo area and spending pattern and per the bank rep comments, large transactions were attempted with my debit card at XXXX XXXX. I have requested that the bank launch an investigation to identify how the card was approved despite unusual spending transactions. NONE of these transactions were done by me nor anyone I know and specifically, they are all outside of my spending pattern and spending locations. After consulting with my legal team about the charges, I have launched an investigation to uncover the nature of the fraud and identify if my personal information is also being used and have uncovered that ALL fraudulent transactions done were in differing cities and merchants I've never done any business with before. It's very concerning that on the recorded line the Prosperity Bank rep mentioned that the card was still being attempted to be used. NO one has my PIN number so I'm very concerned that my sensitive information is not being protected in accordance with regulations. I will be updating detailed information as I gather details from legal parties involved and the bank to assess next steps. Thank you.
08/16/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	TX 774XX	Web
I was contacted XX/XX/XXXX to purchase something I had listed on XXXX XXXX for sale and they wanted to send payment to prove purchase intent since I was on my way to work. We set upa morning meeting before discussing payment, everything that had been normal for previous sales, then I listed how I was able to take payments which XXXX was chosen. They claimed to send payment and I received an email saying I had to upgrade my XXXX to a business account in order to receive the {$1500.00} because it was over my acount type limit. I knew there was a difference being an individual vs a business using XXXX because I had seen the fee note during previous legit transactions, but I couldn't find something that specified what was being asked and I was then at work so short on time. Supposedly an extra {$300.00} was sent to initiate a business account that I was to immediately return, which I did after research again turned up nothing ( including scam warnings ), but I refused to continue anything else when another email wanted an additional {$100.00} to activate a business account and give me access to the {$1500.00} payment. I contacted my bank, Prosperity, as soon as they opened the next morning ( Friday XX/XX/XXXX ). The transaction still said pending to me, but my bank said it was already completed and to call back Monday for someone that could better help me. I called back Tuesday XX/XX/XXXX because I had been out of town and was immediately told nothing could be done regardless of Regulation E, but " please let us know if you do find something that says otherwise. ''
11/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 79072	Web	Older American
Old name XXXX, new name PROSPERITY BANK ( XXXX, Texas branch ) used its business relationship with XXXX XXXX to abuse its mortgage lender status and increase XXXX XXXX 's flood insurance revenue via by using enabling mortgage origination documents. The Prosperity Bank mortgage origination documents are worded to allow the subsequent mortgage purchaser ( XXXX XXXX ) to require additional flood insurance over and above the loan amount even though any money above the loan from that insurance would accrue to the mortgage borrower, not XXXX XXXX. It appears the main purpose of that process to be to increase flood insurance revenue to XXXX XXXX. Such a process increases the risk of mortgage default as it increases the monthly mortgage payment cost to the borrower. The additional flood insurance was lender-assigned by XXXX XXXX as mortgage gap insurance ( so-called ) from XXXX XXXX subsidiaries which provide flood gap insurance. Non-payment of the gap insurance premium which became part of the monthly mortgage payment would be a mortgage default. As my mortgage was being held hostage to the additional XXXX XXXX gap insurance, in effect my choice was either pay the increased mortgage payment or lose the home. Prosperity Bank maintains an on-going mortgage origination and mortgage business relationship with XXXX XXXX, and coordinated mortgage documentation as a willing and integral participant to facilitate this process.
12/03/2018	No	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	TX 793XX	Web	Older American, Servicemember
My mother was financially XXXX by her grandson. She was threatened by XXXX XXXX if she did not go to the bank and withdraw her CD of {$170000.00}. The banking officer was made aware that my mother was scared of her grandson and did nothing about it. This was taking place at Prosperity Bank in XXXX Texas on XXXX XXXX. When I found out about the transaction I immediately went to the banking officer XXXX and reported this as elderly abuse of my mother. I sought assistance from an attorney who placed a temporary restraining order and a temporary guardianship and was to freeze the bank account from any transfers of the funds. Prosperity Bank allowed the funds to be transferred to the grandson 's father who is an ex-husband and has not seen my mother in over 20 years. The bank refused to freeze the assets and allowed the transfer to take place of {$150000.00}. The bank will not release the records to where the money was transferred to and will not guarantee to replace the money due to their era in not using the suspected XXXX XXXX form that the government requires when alerted of XXXX XXXX. The local law enforcement agencies have not helped. The local XXXX Texas Adult Protective Services were contacted and have not helped. My mother has now lost {$170000.00} her life savings to someone she doesn't even know. The bank will not help us the local officials will not help us.
06/30/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	TX 75070	Web
I have a dormant account with Prosperity Bank. I have just logged in to finally close the account since it is not being used and discovered the bank has been charging me a {$15.00} returned mail fee every month for the duration of my statement. I noted that my profile was changed on XX/XX/2022 to update to the correct mailing address and have verified that the mailing address on my profile is my current, valid mailing address. So the fees are being charged fraudulently and any returned mail is not due to an error in my mailing address or due to any fault of mine. The fees total to over {$200.00} they have cost me due to processing errors on their end. I have called three times to address this issue. The first time the representative dropped the call. The second time, I was put on an endless hold. The third, I was informed there was a " hold mail '' status placed on my account without my knowledge or authorization. Furthermore, if there is a hold mail status then there clearly was not any returned mail so again, the fees are incorrectly applied and unlawful. I have attached a copy of my statement showing the numerous charges, a copy of my account notification showing I properly updated my profile to the correct mailing address on XX/XX/2022, and a screenshot of my mailing address in the system which is the correct valid mailing address.
12/14/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	TX 75048	Web	Older American
I met with XXXX at the Prosperity bank on XXXX XXXX. I've been a customer of this bank since it took over XXXX XXXX. I was with XXXX XXXX for many years. I am a XXXX and had all of my XXXX XXXX deposits made at this bank. The check was from a XXXX XXXX in Minnesota. I sent all of the documentation showing it was a legitimate transaction and XXXX sent all of this information to their Legal department, including a Power of Attorney. XXXX told me I needed to get my son to sign the check and put his thumb print on it. My son had recently moved to XXXX. I sent the check to him overnight through XXXX XXXX with a return envelope -- which cost me almost {$500.00}. It took six weeks for the check to get to XXXX and then get returned to me. I met with XXXX again. He made a copy of both sides of the check. He said he was sending to his Legal department and would get back to me the next day. The next day he was not in the office. I dropped by the following day, waited almost a half an hour, and he came out of his office finally and told me very flippantly that legal did not approve -- after running the checks all over the place and the long wait. Then I tried talking to XXXX XXXX, she hung up on me because I got upset. The words she used only infuriated me and brought this situation to a point of escalation.
05/25/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 90025	Web
Prosperity Bank in XXXX lied and charged me fees I specifically asked about. When I was going to school in XXXX, I opened an account here. I also had one in XXXX with my parents. I had to move to XXXX for work. Before I moved, I called specifically to ask if I would get charged any fees on my account. I was told that I would not because I have another linked account that is over the daily balance. So I kept the account open so that I could move money between just in case. They never asked for an updated address even though I mentioned moving. They never updated my XXXX address, so I never received the statements. I logged in and realized that they had been charging me {$10.00} a month for the last year. I've tried calling customer service but they said a local branch manager has to authorize any refunds on fees. I've been trying multiple times and haven't been able to get a hold of said bank manager. The last time I called, I even tried to go through customer service to connect me to the bank manager but they were " too busy '' to talk to me. I'm a medical resident working sometimes 80 hours a week in XXXX and the hours are really difficult to line up and speak to this person. Their behavior is predatory, and they are lying and hoping people won't notice This has been my worst banking experience.
09/08/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 778XX	Web	Servicemember
Roughly four ( 4 ) weeks ago my wife and I deposited a payroll check ( in person ) with the understanding that a two day hold was in effect. While we were questioning the process of holds, the manager said she could hold it for seven ( 7 ) days if they " felt like it. '' Fast forward two ( 2 ) more weeks, I deposited another payroll check ( same company ) and just as she threatened ... they now put a seven ( 7 ) business day hold on it, with no explanation. Taking my banking history into effect, I have a history of ACH and check deposits for $ XXXX to $ XXXX every two weeks, why would this institution impose such draconian rules on a valued customer, who has a great history of banking and substantial deposits, to then restrict access to funds they know are reliable? As I said, the last payroll check was from the same employer two weeks prior and since then the DD/ACH has been verified by min. deposit into my account from the same company. Is there any recourse for me, is there a way to decrease this hold and what fact based claim can be made to hold funds when prior deposits passed the " smell test? '' I am sure I am not the only one who has had this issue, but I fail to see the banks legal standpoint at this time. Thank you for your time and have a great evening.
07/30/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 779XX	Web
Prosperity Bank! My spouse used his card at a XXXX 's XXXX in XXXX XXXX. It declined as a debit, so he tried as a credit transaction. It also declined. Sometimes we do have trouble using our cards at different stores. He next tried his XXXX card. Same thing. He contacted both banks, XXXX was fixed within days, since it was evident that it was fraud. However, Prosperity is claiming that they needed a police report, so that was taken care of. We are being told that the signature for the fraudulent transaction is clearly not my husband 's, but that the third party that Prosperity Bank uses to investigate fraud has closed the investigation anyway. No explanation why. He has called several times with no reasoning of what happened. Looking back on our account, we have been charged {$20.00} overdraft fees throughout the account, when clearly there was money in the account. And, the overdraft fee is {$35.00}, not {$20.00}, so this doesn't add up AT ALL! We are just being ran in circles with promises of an investigation, but nothing. It's so disgusting that a bank can do this with MY money! How was XXXX able to fix his account because of the clarity of FRAUDULENT activity, but not Prosperity -- even admittedly by Prosperity that the signature on file DOES NOT match???!!!
05/18/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	TX 77044	Web	Older American, Servicemember
This complaint is about aChecking, Saving account and Safety Deposit Boxes for my Great Grandparents where their XXXX XXXX XXXX XXXX XXXX were deposited. The name of the Bank was XXXX XXXX XXXX XXXX in XXXX Texas that was bought out by Prosperity Bank in XXXX. The last time anyone seen any thing on there account was XXXX and XXXX when it was first bought out by Prosperity Bank. Now Prosperity Bank states that they never had an account at neither Bank as stated by Ms.XXXX XXXX customer service for Prosperity Bank. I sent Sworn Afidavit of Heirs, Death Certificates, and a sworn Inventory of all assets owned by my Grandparents. It list XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX bought out by XXXX XXXX XXXX. Their accounts should be still active and untouched for over ( 62 ) Sixty Two years and was never closed. XXXX XXXX XXXX XXXX tried to get in touch with my family by the news papers that I found in XXXX. This is how the family found out that my Great Uncle XXXX XXXX who was my Grandfather 's Executor didn't close none of his accounts in two different Banks. That's when we got involved this year on the matter at hand. Prosperity Bank says, they can't find no accounts. This can't be true.
05/17/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX 75068	Web
I lost my bank card sometime apparently in XXXX. However I didnt realize my bank card was missing until around XX/XX/XXXX when my joint account holder my wife mentioned that there were charges on out account from a restaurant located in XXXX Wi XXXX I immediately called the bank and told them the issue and told them to shut down my card and to refund those transactions. There are at least three transactions from a restaurant called XXXX that I did not make. I spoke with a lady at prosperity and she assured me that she noted everything and would give it to the fraud department. I just received a letter from prosperity bank saying that we agree it was a bank error however I would not receive my funds back because it has been past two briskness days since I learned my card was missing. This is a lie, I called the bank immediately when my wife and I noticed that my card was missing. When I received the letter I called the bank and was told by another person that I want receive my money back because I didnt use my card since XXXX. Im demanding my funds back asap. Prosperity bank is breaking banking regulations and being very dishonest with there clients.
08/10/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX 75023	Web
This bank merged with my bank ( XXXX ) at the beginning of XXXX. I was unable to connect to any of my online accounts for almost the entire month of XXXX because they had locked my online accounts, and there was perpetual hold music on their " help line ''. I finally got someone at the local office ( XXXX ), and she was able to resolve things, then my automatic bill payment for my rent went to the WRONG address for the month of XXXX. The previous bank had been successfully doing an EFT to my landlady for several years, I have no idea why they stopped the EFT and then screwed up the address for my rent check, but I corrected it in the online account, and thought that everything would be fine. I was wrong. It was not fine, they sent my rent payment to the wrong address AGAIN this month, my landlady is NOT AMUSED, neither am I. I attempted to contact XXXX XXXX again, but was unable to do so, however XXXX XXXX was able to see that my rent should have been sent to the correct address, however their 'processor ' has the wrong address in their system. This kind of incompetence is simply unacceptable.e
05/11/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	TX 752XX	Web
To whom this may concern Over the last seven to eight month this bank has had issues with their online banking. I have made a few reports of this with little help in return. This has become larger problem once the online banking system began to lock me out every three to four days. Being that I have business checking accounts there at a lot of transactions on my accounts. Being locked out at random times such as over the weekend or in the middle of the night has caused me to be hit with over draft fees. This is becoming very suspicious to me. I have banked with this company with out these issues over 4 year and all of a sudden I can't properly enter my passcode correctly? which is the reason they told me this keeps happening. I feel very much disrespected and ignored over the last two months trying to get help with this issue. The attached images will show you how often the system is starting to lock me out. It is very clear that something is wrong. I have been using their on line banking for year without this issue and all of a sudden their saying I can't properly enter a password every few day?
03/17/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX XXXXX	Web
Hello back in XXXX I lost my debit card and someone used at XXXX XXXX for XXXX XXXX Im banking with prosperity bank and we get fraud alert text and I did get it at the time or after this transaction and I reply NO but my bank still released the money from my account without my permission. So since then Im contacting to bank and costumer service about my money and nothing yet. The send me to local police station for police report, I did everything what the ask for and then the say your detective say the cant not investigate this because that was in XXXX are so go to XXXX. Ok I did go there and the say because you resident of XXXX you need to go back there. Long story short the keep pushing me back and forth with no results. I was pregnant that time with my third baby and I was saving this money for bills and needs but now money is gone and bank not doing anything to get my money back. I did not authorize that transaction and the know it but still nothing. Please step in and help me to get my money back. For any questions or any documents please email me or call me. Hope to get help from you guys.
02/27/2020	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	TX 77459	Web
I am disputing the following : XX/XX/XXXX {$800.00}, XX/XX/XXXX {$840.00}, XX/XX/XXXX {$0.00} I discovered the fraudulent charges and reported them to my bank right away. I was advised to change my user id/password for my online account, and get a new account number which I did with the assistance of a bank representative. I have not had any additional fraudulent activity on my accounts since. I received a provisional credit letter dated XX/XX/XXXX, advising temporary funds were issued to me while an investigation took place. I then received a final resolution letter dated XX/XX/XXXX, stating a confirmed error occurred and the provisional credit received is final and will remain in your account. Then on XX/XX/XXXX, the credit was removed from my account. It was finally on XX/XX/XXXX, that I was been able to get a formal response from the bank as to why they took the credit back. They state the credit was removed due to missing information that was not changed when directed to your online banking login on XX/XX/XXXX. This reason is contradictory to their initial resolution reason.
04/21/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX XXXXX	Web	Servicemember
XXXX XXXX XXXX Reported me late to the credit Bureau and has violated their Forbearance agreement due to COVID 19. I applied for a forbearance due to job loss. I was told not to pay. I advised the bank that I will pay this loan off with funds from a 401k plan. That I just needed time to pay this off, They approved my forbearance and waived late fees. I have disputed this with all 3 credit bureaus. On XX/XX/XXXX I requested a forbearance via telephone. I was advised by the representative that If I don't hear back from her in 48 hours the forbearance would be approved. On XX/XX/XXXX I sent an email to follow up in regards to the forbearance. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX stating I was granted an extension and that my next payment would be due XXXX. On XX/XX/XXXX I received funds from my 401 K plan and paid off the loan in the amount of XXXX. I was advised by XXXX XXXX XXXX in the collection dept. That they would consider correcting the late score due to these unprecedented times. The loan # XXXX with XXXX XXXX XXXX
12/03/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	TX 766XX	Web
I have a checking account from XXXX, that I closed. A credit card payment came out supposedly after the account was closed for XXXX XXXX I took my money out, closed the account and took my money to another bank, because I was moving and that bank did not have a location where I was moving to. So Prosperity bank did not call me about the XXXX $ instead they tacked on charges for funds, for that account and never stopped with the excessive charges. So here I am in XXXX finding out that they let this account charge all the way up to XXXX XXXX Instead of calling me to inform me that I could have just handled the XXXX XXXX Now its reporting to XXXX. I need this matter resolved. And I need to see about getting the XXXX $ worth of charges that you allowed to accumulate waived. That is way excessive. I would be happy to pay the initial charges, but not all of those fund charges that you allowed to continue. I need this fixed with prosperity bank and XXXX. And I would like this removed from my XXXX report completely not just showed as paid!!
05/14/2021	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	TX 75006	Web
On XX/XX/2021 night time, I logged in to my Prosperity Bank app. I viewed my checking account and saw : IRS XXXX {$1400.00}. Seeing that XXXX {$1400.00} description made me think, Okay. The IRS deposited my 3rd stimulus payment. It was already deposited, so it should clear by morning. I downloaded a new stock trading app XXXX and entered in my bank account information. The app said depositing funds from my bank takes up to 5 days to complete. After a few days, I received a XXXX notification message saying my bank reversed my transfer. I never received any funds. I never had access to the funds. When my IRS XXXX cleared, Prosperity charged me {$35.00} and immediately charged me {$35.00} and took it from my {$1400.00} deposit. I never went negative, for how can I go negative if nothing was ever received? I never accessed anything. Both Prosperity Bank XXXX XXXX charged me {$35.00}. So Im being charged {$70.00} for being negative, when really prosperity reversed that transfer. Prosperity Bank XXXX
10/25/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX 75227	Web
On Saturday, XX/XX/2022, around XXXX XXXX we ( my husband and I ) checked into the XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX Texas XXXX. We left our bags and went back to our brother in laws house. We returned around XXXX XXXX with our children and grandchildren. We started to give them baths ( no showers ). The manager came and knocked on the door. He stated the room below us was flooding. We allowed him to go in. He checked the shower, flushed the toilet, and left. Upon check out ( XX/XX/2022 ) we asked for an invoice and he refused to provide one. We called the police and they obtained an invoice for us, we saw the charge for a broken showerhead. We reached out to our bank to dispute the charges and provided pictures. Our banking institution wrote : " It's unfortunate, but they stayed there and broke the shower head which caused the damages. '' Not only did our bank fail us by remaining neutral they also condemned us by stating we did something ( broke the shower head ) that we did not.
09/30/2017	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Overdrafts and overdraft fees	OK 73072	Web
On XXXX XXXX, I made a withdraw from prosperity Bank for a little over XXXX dollars I believe. After my withdrawal I received my account Balance with a lower balance. Which was ok. I was expecting another direct deposit that day from my second employment. On Sunday XXXX XXXX XXXX, my Balance reflected as a little over XXXX dollars. I went ahead and did some transactions. Mid Monday XXXX XXXX my account was negative. I was confused and frustrated. I have paid so much money in fees especially overdraft fees with prosperity Bank. The bankers are not helpful and can never answer questions. I always have issues logging online to view my account so I can better manage it. I am always calling customer service with no successful results. I keep paying fees that could be avoided if only I can get help. Its frustrating and I think this Bank is not trustworthy. This is why the cfpb was created for banks like this. Do n't open an account with prosperity Bank.
02/05/2019	Yes	Checking or savings account Checking account	Managing an account Fee problem	TX 75035	Web
This is the 3rd or fourth complain I am filling with this bank. I had travel out of the country back in XXXX and prior to that had contacted the customer service online to inform them. While overseas, I used my card twice in the ATM. When i checked my online statement after returning., I saw that I was charged international ATM, Fees, and other fees. I had asked the representative if i could use my card and what other fees i should expect, I was told it would just be the ATM fees since its not my bank 's ATM. yet I was charged other fees. Secondly, I am constantly charged overdraft fees, Often I would check for my account and know I have funds available and would still get charged. Sometimes i get charged double the fees. I understand the terms of having overdraft protection, but I feel this bank uses that to their advantage to overcharge customers. Its almost like a punishment. The government needs to look into it. its becoming an issue.
10/15/2020	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	TX XXXXX	Web
Prosperity Bank I was locked out of my account today due to a password issue. 2.5 hours later I am STILL locked out. During this time I have : Called - Customer Service # XXXX. All agents are busy - 10 minute wait. I had to hang up to manage my work calls. I called back and after 12+ minute wait XXXX XXXX picked up my call and said I needed to send an email request to him and he would forward to the correct person to assist. Her name is XXXX XXXX XXXX. 2 hours later no response. I emailed them both back, no response. I called the 800 number again, on hold 8 minutes. I called my local bank, they transferred me back into the customer service que. I called my bank back and again was transferred to the customer service que. I am now 2.5 hours locked out of my account with no help in sight. This is not the first time that I have not been able to reach anyone to help me. This type of service is totally unacceptable!
07/17/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 75766	Web
My card was charged for three different theme parks in one day, in California I live in Texas. They were not authorized transactions. I contacted the bank as soon as I seen them, they said I would have to wait till they clear to dispute them. I was refund for two and one fell off. A week or so later they put one charge for XXXX XXXX back on my account over-drafting it once again. Their reasoning was they had no proof it was fraudulent. I am out that money and they say that things arent looking good and it is probably not going to be reimbursed. So now I am out all that money for someone I dont even know to go on vacation. Their system should have caught it, seeing that anytime I go out of town and purchase something they lock my card. Also to add they canceled the wrong card the first time we called, not the one with the fraudulently activity. Prosperity Bank of Texas does not care about protecting their bankers.
09/13/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	CO 80111	Web
I have contacted XXXX, the branch XXXX at : Prosperity Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX via certified mail XXXX XXXX XXXX XXXX XXXX received XX/XX/2022 and by phone leaving two voicemails requesting my calls be returned. So far to date, XX/XX/2022 I have not heard anything from XXXX regarding this issue. My mother passed in XXXX XXXX, Colorado and I have been trying to close her checking and savings accounts and have the funds disbursed to her address on file with Prosperity. I have also sent a completed and notarized Colorado Form JDF 999 - Collection of Personal Property by Affidavit. I am requesting XXXX last time before I seek counsel and pursue action against Prosperity Bank for non-compliance and breach of fiduciary duty with situs established here in XXXX XXXX Colorado due to my mother 's passing that these accounts be closed and funds disbursed to the record of address with the bank.
09/27/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	TX 77042	Web
The banks 's account holder and his employees testified under oath and admitted to wrongfully endorsing checks made payable to my Company and ( XXXX ) and depositing them into accounts with Prosperity Bank without my authorization. Also, he admitted that he attempted to get an assumed name the same as Company. Prosperity Bank and it 's account holder are not disclosing the total amount in which were deposited but we know that it around {$100000.00} XXXX or more. This has really affected my business and have sent me through extreme financial difficulties. I have lost everything and it seems as if my issues are not being acknowledged. Properity Bank told me that there was a document is place in which allowed the endorsing and depositing of checks made payable to my company ( XXXX ) but they refuse to produce it. Any document in which purports to authorize their actions is a Fraud Document. Thanks
06/20/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OK 73008	Web	Older American
On XX/XX/2019 an ACH happened from a company called XXXX XXXX for the amount of {$5700.00}. We have never even heard of this company before this happened. We contacted the company and they state they will research the issue but after 1 day shy of a month and numerous calls they say they " will keep looking in on the issue ''. I fell they are blowing me off. I also called our bank ( Prosperity Bank ) and spoke to numerous people including the bank president. He states that we only had 24 hours to bring it to their attention. I just happened to look online and let them know of the problem which was approximately XX/XX/2019. Since the 24 hours expired on XX/XX/2019, the bank says they have no responsibility and can not put the money back into the account. Our checking account was charged for {$5700.00} from a company we have never heard of and never authorized to charge our account in the first place!
10/25/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	TX 75019	Web
On XX/XX/14, my checking account shows payment was taken from my balance and issued to XXXX XXXX credit card. However the payment never made it to XXXX XXXX. In contacting XXXX XXXX first, they stated the Prosperity Bank rejected their request for payment, stating account not located ; however Prosperity Bank still debit my account for the {$1300.00}. I need someone to research what happened to my money that they said was sent over but the recipient never received. Im out this amount and speaking to a branch manager in XXXX, XXXX. She said there wasnt anything they can do. My checking # is XXXX. My checking account has been closed recently but this payment that posted to my account in error was made prior to the closure. Im providing the account number because Prosperity Bank can not find me in their system by ssn or name. Their system is messed up and may be the reason for this accounting error
12/26/2017	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX XXXXX	Web	Older American
OnXX/XX/XXXX I attempted to use my Debit card associated with my Business Checking account under my Business account with Prosperity Bank, TX and was denied, I know there was cash in that account because online banking said it was there. I also attempted to use the card again to purchase gasoline to see if the 1st vendor 's machine had a problem but was denied again. On XX/XX/XXXX, I called my bank officer who found out that their credit card vendor said I had not used the card in 45 days and it was closed for non-use which is a lie since I used the card on XX/XX/XXXX and again on XX/XX/XXXX with no problems. She can not fix this corporate problem so I called for XXXX XXXX XXXX, XXXX of Prosperity Bank and was told he was in a Loan Committee meeting and XXXX, his secretary, would pass the message along have him return my call which he has not done to this date.
12/20/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	TX 77498	Web
XX/XX/2022 Prosperity bank did the the international wire transfer to XXXX to my Account in XXXX with XXXX bank. Wire transfer is for {$250000.00} ( American dollars ) Time that I was supposed to have the money was XX/XX/2022. I had to comeback to XXXX to find out was going on with my money and no one seems to know where my funds are. On XX/XX/2022 I received an email from prosperity bank letting me know that XXXX XXXX bank created a case number XXXX and that the funds are pending at the beneficiary bank waiting for documents from the beneficiary - Ive contacted all banks and no one will tell me what is needed. The reason I borrowed this money was for a property purchase in XXXX for which my substantial deposit is now at risk over these delays. I also had to pay for an addendum to the sales contract. XXXX is short and I am deeply concerned.
08/18/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77494	Web	Older American
My identity was stolen in XX/XX/2017. It created financial hardships. However I was careful not to go past 30 days on mortgage payments. Then Hurricane Harvey XX/XX/XXXX and flooded my homestead with 32 '' and hit my second home in XXXX XXXX. I lost my complete office at my home and everything was in disarray. Total of both claims was approx. XXXX My credit report reflects I was late on my homestead and second home during XX/XX/2017, the month of Hurricane Harvey. I have asked for forbearance but the man just said payments are due first of month and I should have made the payments before the flood. He was very calloused and personal. I have sent Prosperity Bank copies of the XX/XX/2017 Sheriff 's report and Prosperity is very aware of the large FEMA claims.
06/28/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	TX 76904	Web
Prosperity discriminated against poor and XXXX people by charging excessive fees. If an error occurs, they refuse to refund the fees and shame customers for being poor. I had XXXX dollars that went missing. The merchant said they didnt have it because I didnt authorize the payment and it was returned to the bank. The bank says Im lying and they never received it. I complained about the missing {$170.00} and any fees they attached to the missing moneys, and as punishment, theyve locked my account and I cant even access my ssdi check to pay my bills AND theyre charging excessive fees again. Im terrified to go into my banking center because I know theyre going to steal more money, if they even let me have the money that is sitting in my account.
12/03/2019	Yes	Checking or savings account Checking account	Managing an account Fee problem	TX 77449	Web
When a third partys error has caused my account to go negative, Prosperity Bank resists disputing the charges, then the bank refuses to refund any negative balance fees that were not due to bank error ( instead, they ask YOU, the customer, to do the legwork and call and argue with the company/request that the company refund negative balance fees ). After escalating the issue, they have now agreed to refund two of the four. But that is not good enough. If its not my error, its not my responsibility to pay the fees. This has now happened twice in two months. I have also been told to take responsibility for actions that are not even mine ( fraudulent charges ). Customer service is deplorable.
09/30/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	VA 23434	Web	Servicemember
I'm am in the XXXX, so I work rotating shifts. I stopped at a XXXX ATM to withdraw {$160.00}. The ATM did not dispense the funds. Minutes later I tried a XXXX XXXX ATM and was successful. I called my bank ( XXXX XXXX credit union ) and file a dispute which they credited my account temporarily. A month later, the bank took the funds back and stated that the ATM company ( owned by Prosperity bank ) sent a transaction log showing a successful withdrawal. I called the ATM company at XXXX to gather more information. They stated the same thing, transaction log show successful withdrawal. I filed a complaint with the FTC as well. What else can I do? I feel like I was legally robbed.
08/05/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	TX 75070	Web
I had a prior issue that was resolved around a month ago. I tried closing my checking account because of unwarranted fees. After resolution, the representative I spoke to agreed to close the account after my fee situation was rectified and I was able to XXXX out the account balance. It has been over a month and the account has not been closed yet. I called customer support to see why this was the case and they are now unwilling to close my account demanding I go to one of their branches to do it despite them already having agreed to close my account. I am tired of dealing with this terrible bank. Please ensure closure of my account.
06/17/2020	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	TX 75050	Web
i have contacted prosperity bank via chat which i was in the queue for 20 mins to inquire on refinancing only to be told i had to call by phone - i called and i waited 30 minutes until an agent answered and hung up on me after she said her welcome script. i understand the call volume is up and hold times are longer ( i work for a XXXX ) but this is poor customer service. my account was with Legacy Texas and never had issues with them and then transferred over the XXXX XXXX, and if this is the way they treat their customers, i will take my business elsewhere. someone needs to call me back from the loan dept - XXXX XXXX XXXX
02/14/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	TX 75248	Web
Following XXXX XXXX XXXX acquisition of my bank ( XXXX ), we have had at several instances where the Bill Pay system adjusted the payment amount without our knowledge or consent. We updated our mortgage payment to reflect a recent escrow increase and, following a few payments, the amount reverted back to the prior amount. This happened at least twice leaving us with a mess in trying to repair the damage done to our credit. As of late, our HOA dues which have been in place for several years, simply ceased. We have been clients for over 20 years and I can only imagine the number of individuals to whom this is also happening.
07/04/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	TX 751XX	Web
On Monday XX/XX/2021 I went inside Prosperity Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX inside of XXXX grocery store. I went into the branch because I attempted to use my debit card and it would not work. I was XXXX advised that my account was closed due to non activity and they charged fees to the balance that was left in my account and closed it. I had been using my card and had a balance of over {$200.00} remaining. They did not provide me with my money nor a notice that they were going to close it or even had closed it. I would like my money returned immediately and my account reopened.
09/28/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	TX 758XX	Web
I have an account with Prosperity bank. The bank keeps taking out outrageous overdraft fees and its causing a financial strain in my life. I have never heard of being charged {$140.00} for a overdraft. Then each day they still charged me different amounts of overdraft charges. I dont know how they expect me to pay it all back when they keep charging me. They even went as far as putting another overdraft charge on a transaction that happened the day before but I had got my payroll check this morning so I was not in the negative.
02/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 210XX	Web
I have tried numerous times contacting Prosperity Bank in trying to resolve a fraudulent credit pull from their company. I have spoken to several different departments within the company and they either have " no record of my name in their database '' or are unable to help me. This was pulled on XX/XX/2017. After calling their company several times, as well as calling the XXXX number, and filing a report on XXXX XXXX website, 9 months later and I am still unable to resolve this issue.
06/15/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 77551	Web
My checking account at Prosperity Bank was subject to an unauthorized ACH transaction. ( See file for details ) The criminal is from XXXX XXXX and most likely has my bank info somehow and is using it to make ACH to pay his credit card. I am bounced back and forth between XXXX and Prosperity bank from their fraud department and no-one is wiling to take the blame and give me the lost money back. Transaction details :
03/31/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 751XX	Web
A person of different name used checks of a stolen routing number and account number. ( check from XXXX used routing number and account number from Prosperity Bank ) to withdraw {$1500.00} from Prosperity Bank customer without his knowledge. Prosperity Bank will not reimburse account for stolen money withdrawn from his account. This is a commercial account and is not reconciled each month.
05/29/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 79423	Web	Older American
WE, XXXX AND XXXX XXXX WERE SCAMMED BY A COMPANY CALLED XXXX FROM DELAWARE. WE PAID THEM {$3500.00} CHK # XXXX ON XXXX-2016 AND ANOTHER {$5000.00} IN 2016 USING THE SAME CHECKING ACCOUNT XXXX XXXX XXXX WHICH IS NOW PROSPERITY BANK. THEY TOOK ADVANTAGE OF US AND THIS IS SENIOR CITIZEN ABUSE. THEY DID NOTHING AT ALL FOR US. WE TRIED TO CONTACT THEM @ XXXX AND THE PHONE # IS NOT IN SERVICE.
12/20/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 77478	Web	Older American
I spoke with my then personal banker again ( XXXX XXXX ) in regards to deposits & excessive fees to my checking account, and the last time we spoke in regards to my account, she agreed that my account had been compromised and the correct deposit for reimbursement was never added to my account. Instead she was promoted and my account was closed by Prosperity Bank.
07/08/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 75232	Web
XXXX XXXX - Banking Center President of XXXX showed unprofessionalism by taking the initiative to say Prosperity bank is not willing to accept customers with issues like XXXX. As an XXXX myself he decided to laugh in my place and say ; listen to this guy ' What options do I have
03/10/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	TX 789XX	Web
A teller at the drive through at the Prosperity Bank in XXXX XXXXXXXX Tx, used my payroll check to call my employer without my permission to file a complaint about me being " rude '' or " disrespectful ''.
07/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX 75208	Web
Unauthorized transactions on account from the months of XXXX to XXXX. Deposits are not available and not updated with truth in lending and accounting as credits and debits
06/16/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75208	Web
Notice of interest notice of proceeds notice of claim. Notice of accounting errors. balance of account should be 2000
01/31/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75001	Web

12/26/2023	Yes	Credit 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	TX 76135	Web	Servicemember

12/14/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75248	Referral

12/05/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	TX 79416	Web

11/28/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	TX 75035	Web

10/30/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75201	Web

10/03/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 77038	Web

08/03/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 77573	Web

07/20/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 75601	Referral

07/12/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 77445	Phone

07/12/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75070	Referral

05/16/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	TX 77859	Web

05/15/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	TX 79762	Phone

02/23/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 78962	Web

02/18/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	TX 77093	Web	Older American

02/10/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 77957	Web

10/26/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	TX 75007	Referral

10/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75115	Postal mail

09/21/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	TX 76118	Referral

09/21/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	TX 79703	Referral

06/15/2022	Yes	Debt collection Mortgage debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77055	Web

05/12/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 77701	Referral

04/05/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	TX 75248	Referral

03/21/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CO 80216	Referral

02/14/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75208	Web

01/19/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	TX 79602	Referral

10/07/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75142	Referral

10/05/2021	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	TX 77447	Postal mail

09/23/2021	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	TX 75860	Referral

09/16/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	TX 76020	Referral

05/27/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	TX 77479	Referral

04/07/2021	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	TX 77084	Referral

03/16/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TX 75149	Referral

03/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75068	Web

03/03/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	75205	Referral

02/25/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75042	Referral

01/28/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	OK 73083	Phone

01/07/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	TX 77478	Referral

01/04/2021	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	TX 78368	Web

12/03/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 75072	Referral

11/18/2020	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account		Phone	Servicemember

10/27/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 77429	Referral

10/26/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	TX 75070	Referral

09/22/2020	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	TX 77056	Referral

09/15/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX XXXXX	Web

09/13/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX XXXXX	Web

09/13/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX XXXXX	Web

09/12/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX XXXXX	Web

08/26/2020	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	TX 79424	Referral

08/11/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75407	Referral

08/07/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 77018	Web

07/07/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	AR 72730	Referral

06/24/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 78751	Web

06/12/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	TX 78759	Referral

06/01/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75007	Referral

05/29/2020	No	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card		Phone	Servicemember

03/10/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TN 75007	Referral

01/23/2020	No	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	TX 77479	Referral

01/14/2020	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	TX 77479	Web

11/12/2019	No	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75068	Referral

10/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 79763	Web

10/22/2019	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	TX 79504	Referral

09/09/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 79762	Web

08/30/2019	No	Checking or savings account Checking account	Closing an account Company closed your account	TX 75103	Phone

08/22/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 77962	Web

08/20/2019	Yes	Checking or savings account Checking account	Managing an account Cashing a check	TX 79606	Referral

08/20/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77488	Referral

08/05/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 79423	Referral

07/16/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75703	Referral

06/06/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX 77356	Phone	Older American

05/13/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	OK 73159	Phone	Older American

04/23/2019	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	OK 73159	Phone	Older American

03/26/2019	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	TX 77805	Phone

02/26/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	TX 79423	Referral	Servicemember

02/15/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX 79721	Phone

02/14/2019	Yes	Mortgage Other type of mortgage	Closing on a mortgage	TX 78362	Web

12/12/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 78382	Referral

12/05/2018	No	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors		Referral

10/26/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 77842	Referral	Servicemember

09/04/2018	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	MD 20716	Referral

08/30/2018	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	TX 78942	Referral

08/27/2018	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	MD 20716	Postal mail

07/26/2018	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	VA 23456	Referral

05/07/2018	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	TX 79761	Web

03/06/2018	Yes	Checking or savings account Checking account	Managing an account Fee problem	TX 77086	Web

03/01/2018	Yes	Checking or savings account Checking account	Managing an account Fee problem	TX 77459	Web

02/08/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX 76367	Referral

12/19/2017	Yes	Checking or savings account Other banking product or service	Closing an account Fees charged for closing account	TX 75751	Web

11/28/2017	Yes	Checking or savings account Checking account	Managing an account Fee problem	TX 78759	Referral

10/05/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77552	Referral

07/07/2017	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	TX 75860	Referral

06/01/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	TX 77901	Referral

05/08/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NJ 08820	Web

02/21/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OK 79103	Referral

02/01/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	TX 77901	Referral

12/19/2016	Yes	Bank account or service Savings account	Problems caused by my funds being low	CO 81001	Referral

11/30/2016	No	Bank account or service Checking account	Making/receiving payments, sending money	WV 25136	Referral

11/04/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 77407	Referral

10/21/2016	Yes	Credit card	Late fee	TX 77396	Referral

09/22/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	TX 75070	Web

08/04/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 77842	Referral

06/16/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75604	Web

05/20/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 77465	Referral

05/09/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	OK 74008	Web

02/19/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	KS 67735	Phone	Older American

02/19/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 78945	Web

02/11/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	TX 77375	Referral

01/28/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 76801	Referral	Older American

01/26/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 78413	Referral

12/07/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	TX 75851	Referral

10/26/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 77836	Referral

09/09/2015	Yes	Credit card	Billing statement	TX 79407	Referral

08/04/2015	No	Bank account or service Checking account	Deposits and withdrawals	TX 79336	Referral

07/28/2015	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	TX 75094	Referral

05/28/2015	Yes	Bank account or service Savings account	Account opening, closing, or management	TX 77030	Phone	Servicemember

05/14/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	TX 77356	Referral

03/26/2015	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low	TX 75034	Referral

03/02/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 77868	Referral

01/29/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	TX 75703	Web	Older American

01/27/2015	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	PA 19050	Web	Servicemember

12/26/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77504	Web

12/17/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 77882	Referral

11/13/2014	Yes	Other financial service Traveler’s/Cashier’s checks	Customer service/Customer relations	TX 77450	Referral

11/05/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 77494	Phone	Older American

08/29/2014	No	Bank account or service Checking account	Using a debit or ATM card	TX 77320	Web

08/26/2014	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	TX 77388	Web	Older American

08/11/2014	No	Bank account or service Checking account	Using a debit or ATM card	TX 77011	Web

07/21/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 74145	Web

06/18/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 74063	Web

06/11/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 75233	Referral

06/03/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 77354	Referral