SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/10/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	SC 29466	Web
There was an unauthorized charge of {$880.00} to XXXX XXXX on my XXXX XXXX XXXX debit card on XX/XX/XXXX. I caught it on XX/XX/XXXX when it was " pending. '' I went to the bank and reported it. The bank employee completed a form and forwarded it to the bank 's corporate office. I contacted XXXX and they told me a new account was created with what appeared to be a fictitious name ( " XXXX '' ) right before the charge was made. The person linked my debit card as his form of payment. He did not need the XXXX number on the back, only the number and expiration. Since I caught it so early, the item had not been shipped. They told me the item was going to be shipped to North Carolina. The only person I could imagine who could have had access to my debit card number and expiration date was a man who worked on my house as a handyman. My best guess is that he got into my purse and obtained the card number and expiration date. ( Ironically, this was the same payment method I used for my XXXX account, but there is no verification process when that happens at XXXX. ) He had worked on my house on and off for about a year and a half and I had not had reason to distrust him. But, in XXXX he started acting differently and his workmanship declined. He became increasingly angry and volatile and it was making me uneasy. ( I'm a single mom with a teenage daughter. ) In XXXX, I fired him. He went ballistic. Then he moved from South Carolina to North Carolina, taking a number of items from my garage with him. I believe he had developed a drug problem. He lost a lot of weight, looked ill and seemed very agitated. My best guess would be he started taking XXXX or something like it and became addicted in the months before I fired him. I was afraid of further contact with him. After I reported it to South State Bank, suspecting it was him, I looked at my XXXX and sure enough he had used that card to pay for his car insurance. So, I kept contacting South State Bank telling them I felt sure I knew who it was and could provide more information to them. They would never let me speak to anyone in the fraud department. No one ever contacted me from the fraud department. I finally asked for a statement of what was done, discovered, etc. by the fraud department and there was nothing. They sent me a copy of the form the branch employee filed on XX/XX/XXXX. I do not believe they did anything to investigate this. I think their fraud department may not even exist. XXXX did refund the money, cancel the transaction and close the fake account based on my report to them. Since the item had not been shipped, it was fairly uncomplicated in that regard. I do not believe South State Bank made any attempt to contact XXXX. My complaint is that my bank literally did nothing to investigate reported fraud, despite my repeated appeals for them to do so and the branch employee 's assurances that they would. There was vague statement about " XXXX never giving us any information '' which I know to be a lie. XXXX does cooperate fully with bank fraud departments. They tried to shift the onus to the police, but without them providing any information for me to show police, I knew they wouldn't provide any information to the police either. They had never tried to obtain any information about the charge at all. There was no investigation number or contact person or phone number. As I said, I do not believe South State Bank has a legitimate fraud investigation department, though they are required to. I was not willing to go to the police and accuse the handyman of theft without a report of their investigation. That would have put my daughter and myself in danger. This is truly wrong. It is their obligation to investigate fraud against their customer competently and thoroughly. By not doing so, they are directly allowing criminal activity to flourish. I think it's disgraceful and likely a violation of banking regulations, such as Regulation E, the Fair Credit Billing Act, etc. Please do something to make them so what is expected of a bank. They are clearly part of the problem that has allowed credit and debit card fraud to increase exponentially over the last few years.
08/16/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA XXXXX	Web
I open an account with South State Bank, the financial institution is XXXX XXXX around XXXX' 2019 with a credit limit of $XXXX. I initially completed a balance transfer and made my first payment on XX/XX/19 and then set up automatic payments to take place but those automatic payments did not initiate for XXXX payment. I was notified after the due date and made an immediate payment likewise I contacted the Financial Institution to request the late fee be returned due to the software failure. This was my only missed payment I do not miss payments (as shown on my credit report with all 3 bureaus) XXXX XXXX decreased my line of credit from XXXX to XXXX at the time I had about 6200 in open balance. This not only negatively effected my credit score it has become something that I have to speak to with my mortgage broker. I requested XXXX XXXX to correct this by reinstating my credit limit as well as waiving the late fee charge of $28.00 below is the response of the customer service agent On XX/XX/2019 at XXXX XXXX Cardmember Service wrote: Dear XXXX XXXX: Thank you for contacting Cardmember Service via our website about your Visa® account ending in **. We have referred your inquiry to the Office of the President to ensure that your concerns are answered appropriately. An Office of the President specialist will respond within 15 calendar days from the date of your email. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX. Cardmember Service Advisor My response: On XX/XX/2019 at XXXX XXXX the following message was sent: XXXX, as a courtesy, I have waited on a response that was promised in 15 calendar days and I have not received a response or resolution as of yet and it has been beyond the 15 calendar days previously indicated in the response from XXXX. In an attempt to be reasonable I will wait until XXXX allowing 15 business days at which point I will move forward independently. The company is claiming they sent me a letter on XXXX I have received no such letter. On XX/XX/2019 at XXXX XXXX Cardmember Service wrote: Dear XXXX XXXX: Thank you for contacting Cardmember Service via our website about your Visa account ending in . Our records indicate that an Office of the President specialist sent a reply to you by mail on XX/XX/2019. The letter will arrive in a white envelope with a return address of XXXX, North Dakota. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX. Cardmember Service Advisor On XX/XX/2019 at XXXX XXXX the following message was sent: I have received no such letter hence my reaching out on XXXX On XX/XX/2019 at XXXX XXXX Cardmember Service wrote: Dear XXXX XXXX: Thank you for contacting Cardmember Service via our website about your Visa account ending in **. We have forwarded your request to the Office of the President specialist to have the letter resent. Once the letter has been resent you will receive it within 10 days. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX. Cardmember Service Advisor
09/01/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	SC 29646	Web
On XX/XX/2018 I visited XXXX 's XXXX XXXX to purchasing new tires for my truck. I worked with an employee to determine a tire size would fit my truck since I wanted to go larger than the stock size. After test fitting a tire in a size I had suggested, we determined that it would not fit and the employee suggested another size, and assured me that it would fit without issue. The employee then ordered the suggested tire and I paid for it. ( A total of {$1000.00} ) On the morning XX/XX/2018 I dropped my truck off at the merchant 's establishment for the new tires to be installed. I returned that evening around XXXX to pick up the truck. I briefly spoke to an employee who handed me the key to my truck and informed me that " everything was good to go. '' On the drive back to my residence I noticed the tires were scrubbing on the inner-fender of the truck. Once home I investigated and found that not only were the tires scrubbing, they had actually damaged the inner fender lining. I attempted to call the merchant, but they did not answer since they had already closed for the day. On the morning of XX/XX/2018 I returned to the merchant 's establishment first thing to alert them of the issue. I spoke with an employee who then contacted the owner via cellphone and explained the issue. The owner stated that I could not receive a refund since I had driven on the tires. I took issue with this because explanation because I was told that everything was " good to go '' when I picked the truck up. How else was I to know that the tires didn't properly fit if I hadn't driven the truck? The owner still refused a refund, so I asked to have the new tires removed and my old tires put back on the truck. I stored the new tires in my garage at home. On XX/XX/2018 I opened a dispute over the charged amount through my bank ( South State Bank ) On XX/XX/XXXX I received a provisional credit for the amount in question from South State Bank while the matter was being investigated. On XX/XX/XXXX I received a phone call from a representative of South State bank. She informed me that the merchant was willing to give me a partial refund if I returned the tires to him. I informed the representative that I was not going to accept anything less than a full refund for the return of the tires. The representative said that she would inform her manager and give me a return call. On XX/XX/2018 I received a letter from South State Bank informing me that the investigation had been completed and they determined that the merchant had done no wrong since I had authorized the transaction. The letter also stated that they would be debiting my account on XX/XX/2018 for the amount in question. I do not feel this is a fair resolution. It was the tire shop 's job to install the tires and ensure they fit correctly. They failed to do this, and denied a refund once I discovered the tires did not fit correctly. I believe this error was solely on the part of the merchant and I deserve nothing less than a FULL REFUND for the return of the tires.
01/16/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	SC 29461	Web
On XX/XX/2018, I submitted multiple disputes against XXXX XXXX XXXX XXXX totaling XXXX. I paid for wedding services that was not rendered. I learned two weeks before the wedding that my vendors who were contracted by this company were not payed. South State gave a provisional credit as well. During the investigation process, I called twice checking on the claim and no additional information was needed because I had sent over all invoices paid, police report, contract, letters from Vendors indicating they were not paid etc. Someone reached out to me from Southstate in the fraud department on XX/XX/2018, asking if I contacted the company and I explained I contacted the company on multiple occasions and didnt get a response. So I asked did they get in touch with her, I was told no. Unfortunately, I received two letters a month later stating : I was denied and they took back the credit saying, they determined no error occurred and they were denying because the merchant provided proof of authorization. I was previously told they couldnt reach her. I emailed all the information from my account online as they requested. I was never asked for additional documentation Granted I sent copies of contracts, invoices, budget sheet, vendor letters showing I made payments and the letters from vendors stating they were not paid. Along with a police report. How was there no error ... .This company did not pay any of the vendors and did not show up for my wedding on XX/XX/2018. My denial letter said I could request copies of documents they relied on if any existed. Why yes, I called several times requesting those documents and never received them. You cant speak directly to a dispute representative they have to call you back. Never received a call back after several attempts either.
04/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 283XX	Web
In XX/XX/XXXX I got a loan from XXXX XXXX. I defaulted in XX/XX/XXXX and property was sold. Then it was transferred to XXXX XXXX. In XX/XX/XXXX XXXX XXXX changed balance due from {$17000.00} to {$29000.00}. I disputed this and then they did an unauthorized hard inquiry. I disputed that in XX/XX/XXXX and they did another unauthorized hard inquiry. Since then all account info has been removed but the unauthorized hard inquires still remained. XXXX said they take a while to update. Do after waiting a year I disputed it again. Once South State Bank was contacted they did another unauthorized hard inquiry last week. I call XXXX and was told by " XXXX '' that there's nothing they could do to stop or remove them. I needed to lock my file. I talked to XXXX in there lock Dept and she said they could remove them but I would have to be transferred back to dispute Dept. Well this time " XXXX '' answers and says there's nothing they can do. But amazingly XXXX and XXXX sound like the very same person on the phone and when I told her this we got disconnected. So I need help. If I contact the company they will just do another hard inquiry. They are doing it just to affect my credit score. I finally got my credit back to fairly good since my divorce in XX/XX/XXXX and having someone run up over 89k in debt in my name.
05/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 301XX	Web	Older American, Servicemember
The bank that originated my mortgage XXXX XXXX was bought by South State Bank and now the loan statement/payment invoice is mailed much later than before. It is not mailed until the XX/XX/XXXX of the month but the payment is due on the XX/XX/XXXX of the month same as before. If the statement arrives on XX/XX/XXXX or later, there isn't much time to mail a payment check to be processed by the due date. Considering there may be holidays or interruptions in mail delivery due to weather, etc. or if I am away from home when the bill arrives, it would seem that this arrangement is a deliberate attempt to force consumers to miss the due date which could have adverse repercussions. Before the buyout, I would generally have the payment notice in hand much earlier each month. Also, South State does NOT provide for online payments for mortgage only customers. I've been told that I must open a checking account with South State in order to make electronic payments and this would still require a two step process to transfer money into the checking account and subsequently make a loan payment from that account. This too seems like an attempt to generate additional fees for servicing the loan.
11/29/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	SC 29588	Web
This has been an ongoing situation that I have addressed with the mentioned bank so there are multiple dates and various amounts involved.I have tried both emails and phone calls to try and resolve this problem. I was instructed by South State Bank to make my loan payment online or I would have to pay a {$10.00} fee. Whenever I make an online payment for a principle payment only to bring down the balance, the payment is made towards interest that is not due yet first with the remainder going towards principle even though I clearly state in the memo line " APPLY TO PRINCIPLE ONLY '' as I was instructed to do. I then have to call the bank two to three times and wait on hold each time to get the payment applied properly. Even then it takes several days for the payment to be corrected. I have spoken and emailed Mr. XXXX XXXX as well as other bank associates on numerous occasions about the additional costs in interest and the waste of my personal time but nothing ever changes.
11/08/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TN 37129	Web
My mother created a trust, at the suggestion of an attorney, and moved her life savings into a trust ( checking ) account with South State Bank. My mother recently passed away, leaving my brother and I as successor co-trustees. The bank refuses to allow my brother and I to access the account in any way, even though it is spelled out clearly in the trust certificate ( which the bank received when the account was opened ) that we are supposed to have access to the account after my mother passed away. The account is frozen, and we are unable to pay the utility bills, property taxes, etc. on my mothers house. The bank has refused for over a month to allow us access to the account, even though we are fully authorized to access the account. It seems to me this would be illegal.
06/27/2019	Yes	Checking or savings account Checking account	Managing an account Cashing a check	NC 28054	Web
On XX/XX/2019 a Check No XXXX was stolen from my checkbook. On XX/XX/2019 the check was forged and processed through my bank account for {$400.00} I notified the bank Friday the XXXX of XX/XX/2019 when I noticed the funds were missing and filed a police report and filled out an Affidavit for Forged Check. I knew the date that the check was stolen because that was the only date anyone had been around me and my checkbook. The bank said that I did not keep the checkbook secure and would not give my my funds back. I had that account number for over 20 years.
08/05/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	SC 294XX	Web
From XX/XX/XXXX to XX/XX/XXXX : Funds of {$49.00} withdraws by Company name as appeared on bank statement " XXXX XXXX XXXX XXXX XXXX '' From XX/XX/XXXX to XX/XX/XXXX SAME COMPANY Funds of {$49.00} withdraws by Company name as appeared on bank statement " XXXX XXXX " Since last 5 years they are taking about same amount from by business checking account. Please, do the NEEDFUL for it.
11/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29621	Web
I have disputed this issue with XXXX 3 times. They have refused to show me proof or provide me with proof that I have a loan with this company even though I have told them I don't and the information is false. XXXX removed the faulty reported information on the first request. My issue is with XXXX only. see attached document. Thank You.
11/04/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29532	Referral

10/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28054	Postal mail	Older American, Servicemember

10/24/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	GA 31419	Phone	Older American

10/10/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 30815	Web	Servicemember

10/10/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28443	Referral

10/03/2019	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	SC 29477	Referral

09/14/2019	Yes	Checking or savings account Other banking product or service	Closing an account Fees charged for closing account	SC 29403	Web

08/28/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 34613	Phone	Older American, Servicemember

07/22/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	SC 29926	Web

05/10/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29205	Web

04/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29926	Web

02/12/2019	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account	SC 29403	Web

01/10/2019	Yes	Checking or savings account Checking account	Managing an account Fee problem	SC 29575	Referral

01/03/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	SC 29229	Referral

12/14/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29576	Referral

08/22/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29407	Referral

08/14/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	SC 29501	Web

07/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29605	Referral

07/25/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NC 27703	Referral

07/12/2018	Yes	Mortgage Other type of mortgage	Closing on a mortgage	NC 28226	Web

07/03/2018	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	SC 29588	Referral

06/05/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	SC 29576	Referral

04/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30189	Web

04/16/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card		Phone	Servicemember

04/12/2018	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	SC 29006	Referral

04/09/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	SC 29576	Web

03/19/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	NC 28032	Web

03/09/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	SC 29486	Referral

02/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28412	Web	Older American, Servicemember

02/09/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	SC 29945	Referral

01/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28079	Web

01/15/2018	Yes	Debt collection Mortgage debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	SC 29501	Web