| 02/14/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am writing to inform Consumer Financial Protection Bureau ( CFPB ) and the back United Community Bank how upset and how unaccommodated and unprofessionally I was treated at United Community Bank when I sought out a HELOC ( Home Equity Line Of Credit ).
The story starts, on XX/XX/XXXX, when I emailed the bank and spoke with a Man by the name of XXXX XXXX. XXXX was very pleasant and seem interested in helping me or at minimum getting me to the right person. XXXX informs me that he would need to transfer me over to the mortgage sector of the bank. XXXX then sends an email to a woman by the name of XXXX XXXX asking her to reach out. I did not receive an email from XXXX, so I reached out to XXXX again on XXXX of XXXX. XXXX then composes another email this time ccd XXXX on this email thread. XXXX replies immediately to the email with the application for the HELOC. XXXX then follows up with a call, here is where things get interesting.
Upon taking the phone call from XXXX, she asked to speak to XXXX XXXX very upbeat and excited. However, I felt like as soon as XXXX heard the melanin in my voice the excitement plummeted, it was like night and day. I paused for a moment because I had to be sure she was still on the phone. I explain to her my situation and how I had gotten conditionally approved for a HELOC with XXXX XXXX XXXX XXXX. However, two days before closing the loan officer says hey we didnt realize you had your house on the market within a six-month period. One of our bank stipulations is that the home could not be on the market within 6 months of applying for the loan. Unfortunately, you have to reapply in XXXX. As I was extremely disappointed that they didnt look into this 4 to 6 weeks going through the process.
Fast forwarding, I explained all of this to XXXX over the phone who informed me that there isnt a 6-month stipulation and that I would be ok in that regard.
So, I moved forward with the HELOC application on XX/XX/XXXX. I was a bit taken aback by her tone as I mentioned earlier however, I trusted that XXXX and United Community Bank would take care of me regardless.
On XX/XX/XXXX I completed the application and sent an email to XXXX with 11 Attachments including updated pay stubs. I sent all of the information requested by the previous bank.
On the XXXX I received an email from XXXX stating that she had received my application and that she needed two years pay stubs. I was a bit surprised that she requested this documentation because I had already sent all proof of income and a letter of explanation for the job changes for two-plus years. I asked XXXX if the information didnt suffice. Again, to my surprise, all of the information is in a detailed explanation letter. So, I replied, Yes, when you say two years of history? The attached XXXX and XXXX tax returns are two years, will this not suffice? I can provide XXXX as well or Or do you mean you need me to provide you company name, title, and contact info for the past two years? XXXX replies how long were you at each job?
Now that she has requested this information twice, I got the feeling she hadnt even looked at what was sent. So, in my confusion, I sent another email stating Hi XXXX, The letter I attached explains the job history its all there with dates. Thanks Sent on XX/XX/XXXX. Again all documents were submitted with the application on XX/XX/XXXX and she was made aware in the original email! It was all there.
At this point I got the hunch XXXX really didnt want to help process the application maybe she didnt want to do the work since Ive had a few jobs in the two years. Maybe she was put off by the work needed to get approval, or maybe my melanin didnt fit her agenda or the bill. I felt a sense of her ( XXXX ) not wanting to help. Now Im upset and afraid that since she ran my credit I will suffer from a negative impact.
I didnt get a response from XXXX from my last email letting her know that the letter was attached. So, I figured that what was sent was sufficient. Days go by with no communication on XXXX end. So, on the XXXX, I sent a follow-up email to XXXX and XXXX replies on the XXXX stating Sorry I was out of the office. I submitted everything this morning. I should hear back from a XXXX in two business days.
XXXX never stated, that what I sent was good enough nor did she ask for any other documentation, nothing. So, I figured all was ok.
The very next morning I get a phone call from XXXX very dry and unapologetic she says XXXX XXXX you are denied. I reply wait why? She says OOOH something to do with a charge-off. I was at a doctors appointment. I informed XXXX I had no charge off and if I did it was well over XXXX to 10 years ago. I bought my house and car since then. She says XXXX I dont know and basically hung up the call. Now I have gone through this a few times Tasha never asked if I could provide any documentation about the said Charge Off etc. She just rushed me off the phone and that was that!
I go home highly upset about how I was being handled, I have worked extremely hard to get my credit and history satisfactory and felt like at minimum the loan office would offer me some assistance or details about the loan I applied for with her.
I get home and run my credit report for all three Bureaus, to my surprise a charge off in the amount of only {$130.00} dollars over 10 years ago which shouldnt even count against me. I have excellent credit and was not aware of this small charge off, and again I have been approved for several things since then including my house. It sounds like she didnt even know what was going on and could really care less. To date, XXXX said she would find out more yet I have not heard anything since. How rude and unprofessional. I now can not go and try to run my credit again.
I also asked XXXX to send me a copy of the credit report the bank ran, XXXX response was I can not and you need to run your own credit. I received this in an email from XXXX.
I replied, first off by federal law if I request a credit report within 60 days of an institution running my credit you are obligated to give me a copy of the report. She again has not responded ; XXXX truly does not want to help or do what federal law requires of her. I want answers to why Im demined and if it the charge off of XXXX XXXX dollars why wasnt I given the opportunity to pay it? Why was I treated so poorly? She has not given me any reason to believe I should have been denied.
I want to be approved for what I asked for. There was never a home appraisal done, I was just flat-out denied.
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| 06/27/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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Unfair or Deceptive Practices in Consumer Transactions This complaint has NOT been addressed appropriately by legal counsel of United Community Bank, namely XXXX XXXX XXXX, SVP & Deputy General Counsel. Instead, Georgia law and regulations were cited, referenced incorectly to serve as reason for the wrongful, fraudulent, and illegal assessment of fees to the referenced Estate Account.
We are again referencing the Estate Account of XXXX XXXX XXXX.
Under your " Applicable Authority '' you cite the GA Comp Rules and Regulations provide that an annount is " deemed to be dormant when the depositor ... has neither increased or decreased the amount of the deposit nor corresponded with the financial institution for a period of not less than XXXX months immediately preceeding the determination ''. So that would indicate the account is ACTIVE, until after a ( defined ) extended period of time.
Per the official account opening documents entitled " Your DEPOSIT ACCOUNT TERMS AND CONDITIONS - ADDENDUM, DORMANT ACCOUNTS : If you have not made a withdrawal from, or a deposit to, your Account for an exended period of time AND WE HAVE BEEN UNABLE TO CONTACT YOU, your Account may be classified by us as dormant. Subject to applicable law, we may charge a dormant account fee on the Account and the Account will be presumed to be abandoned. '' I have received and I am in possession of every statement sent to the given address. I have NOT been given any notice that the account is in jeopardy of being deemed DORMANT, nor have I been given any notice of potential methods of remedy, as with other banks who regularly notify and even send a signature card in order to extend " ACTIVE '' status for an additional 12 months with No FEES. Also, as a note of your bank 's " Official Published Account Opening Documents and Disclosures '', the Legally Published Fee Schedule is presented, and reflects Dormant Accounts may be assessed {$5.00} per month during the DORMANCY Period ( the period of up to 12 months AFTER efforts have been made to NOTIFY the ACCOUNT OWNER and before the Escheatment process begins for determined ABANDONED PROPERTY.
United Community Bank did NOT give any notice or attempt any contact with the account owner.
Furthermore, as a note of unequal application of this Dormancy determination process, you noted the account had the same balance of {$240.00} from XX/XX/XXXX through XX/XX/XXXX ( which would have been considered Inactive for XXXX YEARS ) ( ... And - while the Estate was being contested, and during which the " BANK '' wrongfully accelerated payments from the decedent 's checking and savings accounts toward the decedant 's MORTGAGE, without notice to any of the CONTESTED ESTATE 's representatives )... ( and then not providing foreclosure intent and returned certified mailing information - which legally would have been subject to the subpoena demanded upon the bank for all Estate/Decedent 's information )...
- which would under the same determination of inactivity of 12 months being deemed DORMANT, would have been labled as such as early as XX/XX/XXXX. Instead, your bank allowed the account to remain for 4 years -without notice of threat of dormancy. -of which I have the previous account records as Permanent Administrator.
Under O.C.G.A. 44-12-197 ( a ) ( 2 ) - ( 5 ) the relationship that we have maintained with the bank, even if for only the fact that we have contested issues and active lawsuits relating to this VERY Estate - satisfies we have had COMMUNICATION, INDICATION OF INTEREST, OR RELATIONSHIP pertaining to these funds. Clearly the account is NOT ABANDONED, nor have we moved, changed addresses, phone numbers or emails. It would therefore be wrongful to assess fees and/or close the account, unless only to terminate the relationship while attempting to intimidate the account-holder and my beneficiaries and assigns.
And within the GA Comp R & Regs Rule 80-1-8-.01, ... '' such ( dormant ) charge may be assessed in an amount not to exceed {$5.00} per month ... ( and ) NO SERVICE CHARGE OR MAINTENANCE CHARGE MAY BE ASSESSED UNLESS THE FINANCIAL INSTITUTION PROVIDES WRITTEN NOTICE PRIOR TO THE INITIAL IMPOSITION OF THE CHARGES. '' The bank can not get around the fact that this account was not abandoned and the legally published fee schedule and company policy was not followed by not attempting to contact and/or notify the account holder, the method of determining dormancy, assessing a monthly fee of no more than {$5.00} per month during a dormancy period ( which is clearly the 12 months following the aforementioned 12 months of Active Account Status ( per the preceeding 12 months of statements showing an Active account and Active Account Balance ). It is without any common reasoning that your argument of the law shows an " Active '' period can be reclassified and retroactively be deemed as a " Dormancy '' period. You are correct in that " no ... charge may be assessed for the dormancy period beyond the first twelve months, because the DORMANCY PERIOD BEGINS upon the Bank notifying the accountholder ( at least by statements ) and deeming the Account as DORMANT. The prevailing Georgia law is clear enough to ascertain the actions taken by United Community Bank is fraudulent, IMPROPER, AND ILLEGAL, imposed under improper and unequal treatment to it's consumers.
As I understand, the " Bank '' also has potential " class action '' lawsuits pending relating to inappropriate charging of fees to consumers and similar account closures.
This complaint is intended to bring scrutiny to this financial institution for its wrongful and fraudulent practices in order to protect the consumers in the areas this " bank '' serves.
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| 12/11/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Servicemember |
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XXXX XXXX XX/XX/2022, my wife and I noticed an unauthorized withdrawal from our checking acct with United Community Bank XXXX After determining the withdrawal was not made by anyone in our family we contacted UCB in an effort to resolve the unauthorized transaction and determine how someone was able to secure one of our debit cards ( being that all our activated cards were accounted for ), somehow activate the illegal debit card and then make a withdrawal with the illegal debit card. On the XXXX of XX/XX/2022 my wife, after 3-5 phone calls to United Community Bank were unsuccessful as usual in resolving any issues, drove 30 miles to the nearest physical UCB branch , since UCB has closed the vast majority of their brick and mortar locations, fortunately their was one employee that seemed to be as concerned as we were with this fraudulent activity and she was able to give us some basic information, and start the fraud investigation. The key piece of evidence that we were able to obtain from our bank records was the phone number that was used to activate a previously invalidated debit card that we had reported undelivered, like so many debit cards before. On the afternoon of the XXXX of XX/XX/2022, as the UCB fraud department was confirmed to be doing absolutely nothing, I made contact with the person at the number that had been used to activate our card. By early morning on the XXXX of XXXX, this person had called both my wifes cell number and my cell number Atleast twice leaving voicemails on each line. By that same afternoon we had emails from the alleged fraudster. We were receiving email fraud alerts from the bank system indicating someone was attempting to link an external account to our UCB checking account. Having had over XXXX in that account we were distraught by the thought of someone being able to link that account and then transfer any funds from that account while UCB stood by and did nothing and could guarantee us no protections. Most notably the day prior to XXXX with ALL banks being closed early the day before and the day of the holiday. My wife was able to secure a cashiers check for over $ XXXX. Most astonishing about the check is the fact that we have a joint account and they made the check out to just my wife without my knowledge or approval, thankfully my wife of XXXX had no ill intentions or she couldve easily taken possession of our funds. Also of note, as my wife was leaving the parking lot of the bank, with me on the phone, a bank employee came running out because she had forgotten to have my wife sign for the check, a $ XXXX check! That weekend of XXXX being completely freaked out by how someone could thwart a banks security and find such an unbelievable amount of information about us to include 2 of our property addresses in GA and TN, our cell numbers, our biz numbers, email addresses and it was even verified that this person had our SSNs in order to activate a voided debit card, I kept corresponding with this individual via email trying to gather as much information as possible. In the end the individual was completely panicked that we would press charges and this person would do some prison time, they provided us with details of how they obtained the card and the fact that they worked at a United Community Branch in South Carolina. I sent multiple emails to multiple UCBI addresses and finally on Monday after XXXX we received a call from XXXX XXXX of UCB Corporate security. XXXX was not very interested in giving us any information just very concerned and careful about what he said and what he confirmed. Even saying several times, Ive got to be careful about what I say, so as not to get myself in trouble. We had given XXXX a synopsis of what had happened how we had been in contact with this individual and how we were proceeding. But multiple times XXXX repeated the statement above and was reluctant to give us any information. It was confirmed, that the individual that stole our money and identity was in fact a UCB bank employee, which is absolutely unbelievable.
Since we have only been contacted via email by XXXX XXXX UCB general counsel who is neither interested in making a public apology or working towards a resolution for this abhorrent violation of privacy, the breach of our personal data using the banks secure systems and the level of fraud this United Community Employee was able to get away with. We are 100 % confident that without our diligence, ingenuity and perseverance this individual would have easily gotten away with this fraud and probably has many times previously. After conferring with many current and past customers of United Community Bank it appears UCB has had many fraudulent episodes before whether to their knowledge or unbeknownst to them.
We have desires and plans to escalate this to the highest level possible and will file complaints with every entity that will hear us.
United Community Bank has no intentions on making this right or settling this manner in a professional manner. Therefore it is incumbent upon us to let UCB customers past, present and future aware of the gross negligence in regards to UCBs security protocols!
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| 03/14/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American, Servicemember |
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On XX/XX/XXXX I transferred funds online from my United Community Banks savings account to my United Community Banck checking account so I could write a check and mobile deposit it into our bank in S.C. to pay our mortgage for XX/XX/XXXX. I had done the same thing in XX/XX/XXXX. We had opened a savings and checking account in XX/XX/XXXX with United Community Bamk in XXXX XXXX NC where we live. We also had our XXXX XXXX XXXX account ( Mortgage ) and our XXXX XXXX acct linked to this account. We were unable to transfer funds to XXXX for some reason even though we had verified the account. When making the transfer online all your linked accounts would show. Somehow the transfer from ended up being our XXXX XXXX acct which makes no sense since it had no funds available. No transfer would have ever gone through with no funds. I checked my account and saw the XXXX transferred posted so on XX/XX/XXXX I wrote a check to myself and mobile deposited it into my XXXX acct to pay the mortgage. On the XX/XX/XXXX I checked my United community acct to see if the mart gate payment had posted. To my surprise I was overdrawn and the XXXX transfer had been reversed meaning my mortgage was not paid, and I had 3 bill payments that had been returned for insufficient funds, and I had 3 insufficient funds fees. I went into my branch and was told this happened because there were no funds in my XXXX XXXX savings. I told them I knew that and the transfer was from my United community bank savings account which had more than enough to cover the transfer. It took them over an hr to even find what they think happened. I asked how would a transfer even go through it no funds for were in the XXXX XXXX account when the transfer was made and I was told that was a good question they didnt know. Went home and got on the phone with customer service and explained what had happened and askeded how is we could resolve this and my question was never answered and I was repeatedly told the transfer was reversed as no funds were in the XXXX account.
I tried to explain that I knew that that the transfer was made from the United community account. Eventually I was transferred to a supervisor and both my wife and myself were on speaker phone. This person had no intention of helping us resolve the issue and in fact accused us of fraud and kitting which we had never heard of. She was both rude and insulting. She in fact blocked our savings account and basically closed it without telling us. The next day I went back to my local branch hoping to get some help and a nice woman did try to help us but had to call this same woman to try and explain what had actually happened. This woman was very angry that we were still perusing this and in fact told me the person helping us that she didnt want us as customers and didnt want to resolve it. The person helping commented on how unpleasant this person was. She suggested we just come back in in a few days and open 2 brand new accounts. We didnt want to do that after all the drama, we just wanted out and to be reimbursed for the NSF fees. Later that night we discovered that our checking account had been blocked so we couldnt even see the bill payments that were returned so we could call them and pay them. This has hurt our credit and we are out over XXXX and now we have several late payments which increases our interest rate. The woman in the bank who tried to help us did give us the supervisors bosses phone number so we could call and complain and maybe recoup at least the NSF charges. We have called her 3 times with no return phone call from her. This is outrageous and has been very upsetting and incoventient for both my wife and myself. It has been a very bad experience.
All we were doing was paying our mortgage and we are treated as criminals and have been charged for fees we shouldnt owe. I am XXXX and my wife is XXXX. We have no criminal record and are good people. To be treated as such is unbelievable!
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| 02/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
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Background Information We have had accounts ( checking, savings, mortgage, personal lines of credit ) at United Community Back for over a decade. We never had any issues with this bank until XXXX XXXX took over as branch manager. My first experience with XXXX was with my personal line of credit renewal in XX/XX/2019. She completely messed up the renewal with the wrong interest rate which led to interest fees being incorrect and it snowballed from there. Getting this corrected took over a month so my wife and I complained about the level of service. After our complaint our level of service was even worse but due to our entire portfolio ( personal and business ) being at this bank we decided to stay because to change banks would have been a MAJOR undertaking.
XX/XX/2019 My daughter and I entered United Community Bank to open 2 new business accounts and we were told to have a seat by the tellers and that a rep would be available shortly. Meanwhile the whole time we were sitting around ( over 30 minutes ) all of the reps were in their office either eating or on their cell phones. I was told by a teller that XXXX would be handling our request to open new accounts and to sit tight.
XXXX finally called us into her office and I told her that I did not appreciate having to wait over 30 minutes to be seen, especially when there were reps available to help us. She did not care for that and told me because I did not like UCB that she was going to close my accounts.
I immediately told her that I did not want to close my accounts but she then asked my daughter and myself to leave the bank. We were stunned but left as requested.
Never were we disrespectful or mean spirited, we just told her of our frustration.
XX/XX/2019 We received a letter ( attached ) from their VP and Lead Counsel, XXXX XXXX, that all of our accounts were being closed and that NO CONTACT WITH THE BANK of ANY TYPE after XX/XX/XXXX.
We immediately called the bank and I was able to speak with a personal banker ( XXXX XXXX ) but he was not permitted to say anything about our accounts other than they would be closed and we would receive final invoices and distribution of funds. I specifically asked about my signature line of credit and was told that the account would be closed and we would be sent a final invoice.
We waited and waited for the invoice but nothing ever came and because we were not permitted any communications with the bank ( see the letter ) we could not contact them to get this settled.
We figured the bank had yet again made a mistake and we figured sooner or later we would receive the invoice or it would sent to collections or some type of communications to settle this debt.
XX/XX/2019 My wife and I made application for a construction loan and was turned down and received news from our vendor that there was a write off from United Community Bank for my line signature line of credit.
My credit rating dropped from over 800 into the low 600 's.
XX/XX/2019 I contacted XXXX XXXX via email and requested help getting this resolved. He responded by telling me " Mr. XXXX, I am receipt of your email and will check with your lender about your concerns before responding with more information. Thank you. '' We waited and no response ( see attached ).
XX/XX/2019 I again contacted XXXX XXXX. Again no response ( see attached ).
XX/XX/2019 I again contacted XXXX XXXX. Again no response ( see attached ).
In Summary United Community Bank and XXXX XXXX never sent an invoice, never sent us to collections, never even tried to communicate with us to get this paid. The banks action has caused us time, money and immeasurable amounts of stress and grief. We literally can not do anything financially due to my credit rating.
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| 01/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX my wife and I purchase 2 tracts of land, 33.3 and a 1.75 tract. In XX/XX/XXXX we went back to the bank and wanted to build a home on the 33.3 acre tract. They cut out 4 acres and issued us a construction loan for XXXX. Recorded in the XXXX County court house in Book 802 pages 232-241. On the same day and at the same time we also signed a security deed for the remaining XXXX acres. Recorded in the XXXX County court house in book 802 pages 242-250. In the security deed for the home loan the legal description reserves an easement across the 1.75 acre tract and continues through the remaining 29.3 acre tract to access our primary residence. After the completion of our home we got a conventional mortgage thru United Community Bank with an affiliate of theirs, The XXXX XXXX XXXX. They then sold it in the secondary market to XXXX XXXX and then it went to XXXX XXXX. We also refinanced with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX during the worst of times United Community Bank double our interest on the 29.3 acre tract raising it from 3.25 % to 6.5 % making it very difficult for us. Then in XX/XX/XXXX we asked for an interest only loan to try and get through the tough times. The Bank led me to believe they would do that but never did and allowed me to get behind and then called the loan due. I went to the bank and attempted to make the loan current but they refused payments and accelerated the loan and then filed a law suit against me. They then said they would drop the law suit if I would give them my commercial property were I operate a small restaurant. I was advised by legal council not to do that. They already doubled our rates and they could do it again and then you would loose everything. The situation forced me into bankruptcy. At that point United Community Bank foreclosed on the XXXX acre tract as well as the XXXX acre tract. I owed them XXXX for the property that they refused payments on however they sold the property to XXXX XXXX XXXX for XXXX who then sold it to a mortgage broker and developer for XXXX. United Community Bank refused to deal with me. The mortgage broker and her husband, the developer, XXXX and XXXX XXXX then sued me stating that I had no easement to access our home. In a motion for summary judgement the judge closed our road cutting of access to our home. He stated that United Community Bank never gave us express permission for an easement to our home even though it is in our Construction loan, our mortgage and all through our chain of tile for our home. The judge ruled because of the security deed in book 802 pages 242-250 for the 29.3 acres doesn't reserve an easement and for that reason we had no right to have it in our mortgage. As a result we are land locked and are being kicked out of our home. How can it be in one but not the other, both signed at the same time. It appears to be either a bait and switch or fraud or just an error that they won't correct. I don't know which. XXXX XXXX has filed a title insurance claim however that doesn't help us.
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| 10/13/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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On XX/XX/2023 XXXX XXXX went to the United Community Bank located in XXXXXXXX XXXX and told them that I was stealing money from my XXXXr whom I had a XXXX account with along with my XXXX My XXXX was not with him, my XXXX was not spoken to. The branch took his word and closed our account and opened her a brand new account without ever seeing or speaking to my XXXX or having anything in writing. XXXX XXXX is a XXXX XXXX and someone that it took us XXXX years to safely get my XXXX away from. He was facing a XXXX conviction the XXXX week and I was a subpoenaed character witness against him. I do not know how he found my XXXX and her XXXX Home in XXXX but he showed up in person on XX/XX/2023 with paperwork for her to sign. Luckily the XXXX home knew about the past with XXXX XXXX and they refused to let her sign anything without the presence of an attorney or a notary. They also kept her safe by not letting her leave with him. They informed him that she could leave but it would be against XXXX advice and they would have to file a report with the adult protective services. He left without any paperwork signed drove back to XXXX and at some point that afternoon around XXXXXXXX XXXX They close the account and open to the new account. All of the money that was in our account was moved to the new account. The money in that account is the money that's used to pay my XXXX XXXX XXXXXXXX home where she receives XXXX XXXX day a week XXXX XXXX XXXX I went to the XXXXXXXX XXXX and sat with XXXX the branch XXXX. She was super helpful called the XXXX branch and it was very clear the law had been broken and that what they had done was illegal because they had no XXXX card they had not even spoken with my grandmother. They were surprised to learn that she even lived in XXXX. However there was nothing anyone could do until my XXXX Guardianship and conservatorship was granted by the judge in XXXX XXXX. I did receive the final order with my Guardianship and conservatorship on XXXX XXXXXX/XX/2023. I went into the XXXX XXXX again and was helped by XXXX XXXX, who did absolutely everything he could to help me. He did things the way you're supposed to by reaching out to XXXX. However legal decided that they needed to speak to an external attorney to get advice. I made it very clear that the money that was removed from our account was the XXXX payment for my XXXX XXXX XXXX home and that they were endangering her livelihood by continuing to hold on to this money. As of today XX/XX/2023 at XXXXXXXX XXXX. They are still awaiting discussing this with outside counsel. Meanwhile I have a judge 's order that grants me Guardianship and conservatorship of my XXXX and I should be able to get this taken care of. That is my number XXXX concern right now. Once that is taken care of the illegal actions that have endangered my personal information along with my personal safety and the safety of my family needs to be addressed. I have filed a police report with the city of XXXX.
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| 10/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
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- Problem with customer service
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Web |
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Consumer Financial Protection Bureau Subject : Complaint regarding refusal to cash a check issued by United Community Bank Dear Sir/Madam , I hope this letter finds you well. I am writing to file a complaint regarding an issue I am facing with United Community Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, and I kindly request your assistance in resolving this matter.
On or around XX/XX/2023, I received a notification from United Community Bank informing me that my business account had been closed due to it being overdrawn. During this time my business continued to make small deposits to bring the account current. We received a large payment which provided the bank with all overdraft fees and made the account positive again. At that time when the account was no longer overdrawn, United Community Bank XXXX XXXX made the decision to close the account and issued a check in the amount of {$2300.00} as the final balance of my account made payable only to the business. I am currently unable to cash this check because my divorce resulted in a drop in credit score which is impeding my ability to open another business account at any bank.
The check in question is made payable to my business, XXXX XXXX XXXX XXXX XXXX. I am the XXXX of the business and have documentation to provide the bank. Unfortunately, I no longer possess a business account with United Community Bank or any other bank. I do still have a personal account with United Community Bank, however, they refuse to cash the check. Consequently, I am facing difficulties in obtaining the funds that are rightfully mine.
I have made several attempts to explain my situation to the bank representatives, but they have been uncooperative and have refused to cash the check. I believe this refusal is unjustified, as the funds were issued to me as the account holder, and I should be able to access them without hindrance.
Given the circumstances, I kindly request the intervention and support of the Consumer Financial Protection Bureau in ensuring that my rights as a consumer are upheld. Specifically, I would appreciate your assistance in mediating a resolution with United Community Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX such as requesting them to reissue the check in a format that can be cashed by an individual rather than a business entity.
I have attached copies of relevant documents, including the check in question for your reference. If there are any additional materials or information required to facilitate the resolution process, please let me know, and I will provide them promptly.
I sincerely hope that the Consumer Financial Protection Bureau can help me rectify this situation and ensure that I receive the funds owed to me. I eagerly await your response and appreciate your attention to this matter.
Thank you for your time and consideration.
Yours faithfully, XXXX XXXX
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| 05/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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United Community Bank, again.
UCBI I am the Administrator of an Estate, and as such, have an Estate Account held at the subject bank.
On XX/XX/2023, a statement was generated for this account showing a balance of {$42.00}. There were no additional notes, notations, indications of dormancy, no contact attempts known to me as account holder on this Statement of Account, and as well, no additional notifications or letters are known to have been sent to inform me of any intention to charge my account with any kind of fees, and therefore no NOTICE was given regarding intent to charge any fees of any kind.
On XX/XX/2023, ( two days later ) a second statement was generated for this account showing a balance of XXXX, after a debit was charged on XX/XX/2023 labeled as DORMANT FEE for the entire balance of {$42.00}.
The Deposit Account Terms and Conditions state : " DORMANT ACCOUNTS : If you have not made a withdrawal from, or a deposit to, your account for an extended period of time, your account may be classified by us as dormant. Subject to applicable law, we may charge a dormant account fee on the account, and the account will be presumed to be abandoned if we have been unable to contact you. In accordance with state law, funds in abandoned accounts will be remitted to the custody of the applicable state agency, and we will have no further liability to you for such funds. We reserve the right not to send statements on accounts we consider dormant, subject to applicable law. '' Furthermore, the Personal Miscellaneous Fees ( Fee Schedule ) for this account indicates {$5.00} per month may be charged for Dormant Accounts. A reasonable understanding of this policy would indicate after attempt to notify the account holder ( me ) and a notice given on actual statements, then a {$5.00} fee per month would be deducted until the account balance is either exhausted or the determination that the account has been abandoned, and at that point, funds would potentially be escheated to the State ( Georgia ).
No such notice was given, no monthly fees were charged, and the account was fraudulently depleted and inappropriately and allegedly illegally seized by UCBI to enrich the bank. Personal reports to me from at least one other individual with inside knowledge of policy and procedure indicate this type of action has happened to other accounts. I believe due to the prior reports and relationship, this action was intentional and directed as a way to expedite closing my relationship with UCBI.
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| 10/19/2020 |
No |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On XX/XX/20 A debt validation letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was ignored. A modification request was received on XX/XX/20 by UNITED COMMUNITY BANK XXXX XXXX ; XXXX XXXX XXXX with respect to a bad loan that the bank previously made to Me.
Which was denied and I request an appeal and provide evidence to support that I made enough money to pay my mortgage.
I did show an hardship according to 1403 HERA sec 1639a. These company have violated my rights and have knowing entered into predatory lending practices and have violated the lending laws. I also request a copy of the complete serving file and have not received anything from these companies. Section 809 ( b ) of the Act provides that if the consumer disputes the debt or requests identification of the original creditor in writing, the collector must cease collection efforts until he verifies the debt or identifies the original creditor and mails a response to the consumer. If the consumers request for verification of the debt was made in accordance with Section 809 ( b ) of the Act ; the collector need not supply the documentation but only so long as collection efforts are not resumed. Section 809 ( b ) requires that the collector cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt... and a copy of such verification... is mailed to the consumer by the debt collector.
NOTHING HAS BEEN RECEIVED FROM THESE COMPANIES.
They have violated the debt collection laws, the 1403 HERA sec 1639a laws, and the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) ( Public Law 116-136 ) By offering me a modification and not approving it for the Mortgage and then trying to proceed against me in a non-judicial foreclosure is deceptive and unfair. They have breached their legal duty to act fairly and in good faith by engaging in unfair and deceptive practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and UNITED COMMUNITY BANK XXXX XXXX XXXX XXXX XXXX XXXX are redlining my loan and have foreclosed on my property without proper validation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and UNITED COMMUNITY BANK XXXX XXXX XXXX XXXX XXXX XXXX has shown Discrimination on the basis of race national origin in the terms and conditions, or privileges of sale of a dwelling, in violation of 42 U.S.C 3604 ( b ). The is a gentrification of the neighborhood.
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| 08/09/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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On XX/XX/2018 XXXX XXXX transferred a total of {$170.00} out of my bank account without my authorization, thus committing bank fraud. The amount consists of three transactions with the first in the amount of {$4.00}, then again Ten minutes later for {$4.00}, and last {$160.00}. All three transaction detail provide a phone number XXXX, however, the number is only for their members & you have to login to you account to receive a code in order to bypass the automation. Because I did not see these transactions until the following Sat. I could do nothing to stop them, as my bank is closed on the weekend, I did report my debit card stolen and was advised that is was my debit card number that was used to in all three transactions, not my actual bank account. I also was advised that the money was transferred using a cell phone app, XXXX XXXX, and it appears to have been transferred using an email address. That's all I could get from my banks debit card hotline #.
I immediately contacted XXXX via their customer support email, ( b/c there is no known telephone # ) and although there has been some response, nothing that is of any use or helpful.
Early in XXXX I had to place a fraud alert on my credit due to suspected ID Theft, this fraud prompted me to check, and upon checking my credit report I realized I am not only a victim of Bank Fraud but ID Theft as well.
Based on the XXXX XXXX, & XXXX XXXX XXXX Terms & Conditions, they should have validated this account & their Registered user. Had they done this as per their terms they would have been able to identify that this debit card did not belong to their member, or was it authorized to be used by their member.
If they do not currently have security provision in place for the XXXX XXXX, then many Americans are & will continue to be at risk.
XXXX this and there are many Americans that have been victim to XXXX XXXX debit card fraud, over the past few years, AND NO ONE IS STOPPING THIS COMPANY, they are allowed to transfer money using a cell phone, tag name, debit care # & email, where is the security?
I filed a police report & the investigator advised me that he is familiar with XXXX XXXX, my little town, that's terrible. But even more I have been treated like a criminal, I'm completely broke, I'm unemployed, and have to wait 10 days for my bank to return the stolen money.
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| 02/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
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Back in XX/XX/2010, I accepted a job for a XXXX XXXX. I received 3 checks for a total of {$2800.00}, an I went to my bank to cash them.. I was concerned about the legitimacy of the checks an asked my bank to double an triple check them to see if they were real an good.. the bank told me three times yes, that the checks were good.. I cashed the checks an completed the things that were required of me to keep a portion of each check, one to two days later a police officer an two cars loaded with 5 people from the bank came to my home demanding that I return the money from the checks. I informed them they told me the checks were good an that I did not have the money due to I sent most of the money off. A week later the bank asked me to come in to make arrangement 's to pay it back. I started paying the money back XX/XX/2010, now its 7 an 1/2 years later, an the amount has grown from {$280000.00} to over {$7000.00} even tho Ive been paying on it for 7 years.. Ive never received any loan documents to explain the loan. My understanding was I just had to repay the amount of the checks seeing how both my self n the bank was scammed, because the bank checked three times n said the checks were real an valid.. My husband recently done some checking an this loan seems to automatically renew itself.. when I talked to the bank, they said yes it does automatically renew itself every year.. At the rate this is going Im going my balance seems to go up not down every year ... I need help getting this resolve so I can get this paid off.. My husband says this seems to be like the payday loans where people cant pay them off.. Recently I asked the a few people at the bank for a copy of the original amount of the scam or the amount of money the gave me for the three checks.. It was explained to me that they do not have the paperwork because its by law they can throw it away after seven years.. A few months ago I sent a registered letter asking for all information pertaining to the amount of money the bank gave from the three checks.. I received a call from the main bank inquiring about the loan.. I explained to the lady an she did some checking an told me she dont understand or explain about the loan. She said she would investigate an get back to me.. Please I need help with this matter..
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| 03/27/2023 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX, I Invoked my rights under the cares act multiple times with United Community Bank representatives, extending the forbearance program. In XXXXXXXX XXXX XXXXXXXX, when i was guided by a representative to make a payment while I awaited my next verbally agree extension, I was defrauded and Illegal & fraudulent actions were taken by United Community Bank representatives. I am DEMANDING that all phone calls from the point in time of XX/XX/XXXX when I initiated the forbearance program under the cares act through the time period of XX/XX/XXXX be formally turned over to me either by transcript or by digital form. These phone calls DO EXIST and it is my desire to prove to United Community Bank of their fraudulent & illegal attempts to damage me & my credit with malice, by reviewing these transcripts & conversations. They continue to lie & manipulate, even when facts have been clear that they have made critical mistakes in executing my rights and use of programs under the cares act. They have also been issued a bill that is past due as a result of their malice behaviors. I am DEMANDING this information be turned over to me within the next 30 days.
Additionally, United Community has purposefully made it difficult for me to make payments by not showing clear data on their website or giving me access to making regular payments other than using a bill payment method online as a backchannel payment method that does not clearly represent the actual payment required. They have continued to lie and present to all 3 credit bureaus false payment data that has ruined my credit and my ability to obtain additional credit. This purposeful misrepresentation and pervasive attacks are being done deliberately to force me to pay amounts that have no basis and are not valid. They have added late fee 's illegally and are inaccurately driving up my payment as well as inaccurately running a false/incorrect escrow analysis report that has additionally increased the monthly payment falsely. This bank is CLEARLY doing deliberate illegal activities and as reported in the news of their financial struggles as a company, should be INVESTIGATED FULLY by the Federal Government.
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| 11/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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Starting XX/XX/2023 my partner and I had started the process of accessing this account, which belongs to my father. ( He is unwell and moved to assisted living. ) We obtained a POA and have been using it since XXXX to get my father 's financial affairs in order. This bank has dragged its feet every step of the way and took months to even read the XXXX and accept it. On XX/XX/XXXX, almost three months later of back and forth, they have accepted the XXXX but say it only gives me the power to change his address and order checks. They will not let me get online access to the account, issue a debit card, or close the account. I can not even see what's in it or coming out. They want a notarized letter to do any of that. That is not how the POA works. My father 's other bank, XXXX XXXX, accepted the XXXX in a week and granted me full access which is what the XXXX does. Every other account, from banks, retirement accounts, pension, debt collectors, and utilities has accepted the POA except for this bank, United Community.
Like I said, they have dragged this on since XXXX. It's hard to get them by email or phone and there are no branches near me. They are going against a notarized POA and what it lays out and says. They are telling me to get a notarized letter which doesn't make sense. In telling me that, they also said to make sure any recurring charges are handled, and when I asked how I'm supposed to do that without having access to the account, they ignored me.
I have no idea what's happening to my father 's money in that account. Neither does he because he can't access it and keeps forgetting that he even has it. It has money in it and recurring charges. Are any of them fraud? Is it over drafting the account? Is it junk he doesn't need? I don't know because they're ignoring my POA.
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| 02/08/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On XX/XX/XXXX I opened a new checking account with XXXX and funded it for {$500.00} and applied a promo code " XXXX '' for a {$200.00} promo.
The requirements were listed as such below : Customers must qualify for the account, make the required minimum opening deposit, and have met the following criteria by the end of an initial XXXX-day qualification period, beginning the day the account is opened, in order to receive the {$200.00} welcome offer : XXXX ) Receive cumulative direct deposits of at least {$2000.00} which includes salary, pension, Social Security , or other regular recurring monthly income. Internal and external account transfers, deposits made at banking locations, by mobile deposits and ATM deposits do not qualify as a direct deposit ; AND XXXX ) complete XXXX or more debit card purchases. Recurring debit card transactions do not qualify.
Transactions must post to the account within the XXXXday qualification period. ATM withdrawals do not qualify. Monthly service charges and other miscellaneous fees may apply.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them On XX/XX/XXXX I put in {$1000.00} from my payroll as a direct deposit On XX/XX/XXXX I put in {$1000.00} from my payroll as a direct deposit.
From XX/XX/XXXX to XXXX I completed XXXX purchases using my new united Community Bank debit card.
As of XX/XX/XXXX I have yet to receive the {$200.00} promo bonus and have called several times since it should have posted to get a status update. They said I have met the requirements and someone from the promotional department would contact me but never did after numerous attempt in calling to inquire about the promotional bonus.
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| 06/25/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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10 years ago we purchased a lot on XXXX XXXX in XXXX GA for {$250000.00}. We have made regular payments ( always paying a little more then due ) during this time. My husband and I went through a divorce and for a year I continued to make the payments on this loan as he said he doesn't care and would take bankruptcy. We also have a business together that just went under. I have put all the money I have into the business to try to stay above water. When I realized that I could no longer make the payment on the lot loan in XXXX, I contacted XXXX XXXX with United Community Bank of XXXX GA and asked the bank to take the Deed in Lieu of Foreclosure. XXXX said she would check on it. I contacted XXXX again in XXXX and XXXX. I was also contacted by a lady in collections from United Community Bank and I reiterated that we wanted to provide the Deed in lieu of Foreclosure. She said she would check into it. On XX/XX/XXXX, I spoke to XXXX again and asked about the Deed in lieu of Foreclosure and XXXX said we would have to go through the foreclosure steps anyway. I have attempted to work with the bank and am very disappointed this was allowed to happen which was not my intent as I have been trying to work with the bank and follow the proper steps. Now I have a letter from their attorney that they are proceeding with foreclosure.
We have paid at least {$370000.00} on this {$250000.00} loan. Additionally, the bank should be able to sell the lot for at least {$120000.00}. If that is the case, the bank will have doubled their money in 10 years. Wow {$500000.00} and they won't take the deed. It is very disappointing and seems egregious that they are not willing to take the deed.
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| 09/29/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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received a call from the phone number of my bank, United Community Bank, Treasury XXXX XXXX ; XXXX. Person identified himself as calling from UCB concerning possible fradulant charges on my debit card. asked me about purchases at a XXXX and XXXX Read a security statement and advised that the call was being monitored for security purposes. First wanted to know what my online banking ID number was.
I have been scamed out of {$4000.00}. on my XXXX card ( they removed all charges of this and changed my credit card number ) and an attempt to fraud from XXXX XXXX and from XXXX. Both of these were avoided. So I am very aware of scams.
I gave him an incorrect ID number and he advised that was not correct and I gave him another one that was not correct. while I was doing this I went online and changed my ID and password as I was speaking to him. I advised him that he was trying to scam me and he was a theft. The first call was on XX/XX/2022 at XXXX XXXX XXXX, and on XX/XX/2022 at XXXX XXXX XXXX
When I called back the number of XXXX, it did direct me to the actual office of UBC Treasury XXXX XXXX XXXX.
I did call into the online banking service office and the UBC Treasury XXXX XXXX office and advised both of these what had happened. They checked my account and confirmed that my account had not been breached.
Apparently there is nothing that can be done with people spoofing their phone number and they did advise me that they would not call on the phone about charges. They would first contact me about contacting them about suspecious charges either by text or email. United Community Bank was very helpful.
What can be done about spoofing your banks phone number?
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I took out a new home construction loan with United Community Bank. Once construction was complete the loan was converted to a traditional loan. During the conversion 2 loan numbers were created for my home, one thru the banks servicing agency and one with the bank. Both loans are showing the total amount of my home is due. This means I have double the debt on my credit reporting. I have contacted United Community Bank thru the customer service call center, my loan processors ( XXXX XXXX & XXXX XXXX ), regional managers ( XXXX XXXX, in XXXX XXXX defense she's only known a couple of weeks ), and the collections department all with no resolution. I have sent in multiple statements showing the 2 loan numbers and cashed checks. In one instance I sent a cleared check for XXXX and XXXX and I was told XXXX XXXX payment was still late because the bank did not process it on time ; the check was cashed on XX/XX/XXXX but wasn't applied until XXXX. It's completely ridiculous. I am repeatedly reassured the problem is solved but the loan has not been removed from my name. The bank has stopped credit reporting delinquencies on me but my credit is hurt because of the large amount of debt and my wife 's credit took a 200 point hit because they are still reporting on her. This has been going on since XXXX, it's been constant stress on me and my family, it's embarrassing, and infuriating. We wanted to refinance to a VA loan while interest rates were still low and remove the PMI payments but we are handcuffed. This problem will cost me thousands over the upcoming years.
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| 11/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We paid off our loan XX/XX/XXXX at United Community Bank in GA ( which I believe was sold to XX/XX/XXXX- XXXX XXXX on XXXX our escrow refund of {$1200.00} was supposedly mailed to us. We moved out of state and never received it.
I updated our address at the bank in XXXX. I called XXXX talked to a person by the name of XXXX she stated she would have it re-issued. On XXXX at XXXX I called again spoke to XXXX she stated she couldnt do anything until 30 days - asked if I could call back after XXXX. Keep in mind its not an easy process to keep calling back. I called back XX/XX/XXXX at XXXX spoke with XXXX after about 15 mins I realized she wasnt much help, I asked to speak to a Supervisor. When she transferred me she sent me to the loss draft department instead of the supervisor line.. each time I have to repeat my information and reverify myself at this point, Ive been on the phone for over a hour. I was then transferred back and specifically ask the man to not blind transfer me to let them know what my issue is, so I dont have to repeat everything again. Well that didnt happen a supervisor XXXX answered stated she was going to escalate my issue XXXX via a form ) and request them to overnight the funds. As of XX/XX/XXXX at XXXX XXXX I have not heard from anyone. I would like my funds overnighted to me ASAP.
This is completely unacceptable and a very poor customer experience.
|
| 11/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Im complaining to have my {$1000.00} XXXX money back. I was working with a lender for a home that was pre-selling. Seller suggested I work with a lender that was tied up with their company. Promised that I will get some discount, I worked with the suggested lender. I paid {$1000.00} XXXX money. In order to be approved for the loan, the lender is so pushy for me to pay off my existing loans and advised me to pay a huge amount of down payment so we will be approved with the loan. Considering my regular income alone, the lender said that I could not get approved. The monthly mortgage will be more than half of my monthly income. Knowing this, I decided not to continue with the purchase and the loan. I asked for loan denial letter but the lender will not provide since he is so pushy even though I can not afford. The seller asked me to sign the release letter since its taking a long time already. My real estate agent advised me over the phone that the seller will return the XXXX money. But upon checking with the document, it states that the XXXX money will go to the seller. I was blinded. They said that they will file legal action if I will not sign the release letter so I signed the release letter and now I wanted to get my XXXX money back.
Lender : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Builder/Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/27/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX I filed Chapter XXXX Bankruptcy and the plan has been court approved.
The court approved Chapter XXXX Bankruptcy plan lists the " secured claim '' amount of {$63000.00} to be paid in full over 60 months with interest at 6.5 %, and an allowance for an " unsecured claim '' amount of {$6700.00} to be paid over 60 months at 0 % interest.
My case has been administratively closed and I started making payments to UCB Bank according to the court approved plan in XXXX of XXXX. When I received my first UCB payment statement via email in XX/XX/XXXX from UCB 's Attorney, XXXX XXXX I noticed right away the principal amount listed of over {$90000.00} was incorrect and payments were being applied incorrectly as interest only. UCB bank increased the payment to match the " secured '' payment ( $ XXXX/month ) listed on the bankruptcy plan but left off the " unsecured '' payment XXXX $ XXXX XXXX. I've asked their UCB 's attorney as well their bankruptcy Department representatives, XXXX XXXX and XXXX XXXX to correct these errors for over 8 months but they have failed to comply. I've also asked for a point of contact for my loan with UCB for that long and continue to have my requests ignored. Now the UCB 1098 mortgage interest statement has the same errors which is causing delays in filing my tax returns with the IRS.
|
| 10/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/XXXX I obtained a construction-to-permanent loan from United Community Bank. It was discovered after closing that an error was made on the part of XXXX XXXX, the loan originator, whereby the loan amount shorted by {$10000.00}. It happened, I suspect, when she referenced an out-of-date contract prior to closing. This was despite having the correct document in hand, supported and evidenced by multiple emails.
I brought the error to XXXX attention on XX/XX/XXXX and later had to reach out to XXXX XXXX, UCBI 's Regional Mortgage Sales Leader, ( after being shut out by XXXX denying any mistake ) to see how the deficiency could be remedied. The three of us convened a call on XX/XX/XXXX to discuss what happened. And by XX/XX/XXXX, I was assured by XXXX a clear path had been found to move forward.
I completed construction on XX/XX/XXXX and provided all requested documentation to UCBI at that time. It is now XX/XX/XXXX and I'm being forced into a second extension at higher interest rate with no clear end in sight. I've consistently provided all requested information in a timely manner, but the bank can not or refuses to give me any sort of update regarding the loan 's status. They have left me paying interest only at 4.5 % when the loan should have already been converted to permanent financing at 3.125 %.
|
| 10/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Older American |
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On XX/XX/2022 I notified my bank that a check I mailed to a business had been changed and that the entire check had been rewritten. I don't know if it was stolen from the mailbox or if someone at the company did this.
I drove to the bank, they pulled the check since it was actually physically in their branch and stated the check had been clearly washed. Watermarks were visible on the check the the check 's original background was missing from the check. I showed them my carbon copy of the check in my check book to show how the check was originally written. They informed me that people do this to themselves all the time, but they didn't think I had done it. They also stated that if I had found the issue in 24 hours instead of 36 hours they would have returned my money immediately. Today, XX/XX/XXXX, they are telling me that they still have 10 days to review the claim instead of returning my money to me and that the day I reported the issue and holidays don't count against their days.
The police have been to the bank, issued a subpoena and the bank is still refusing to return my money.
It's a lot of money for me, {$7600.00}. Under the law they have 1 day to return the money once they have identified that they made a mistake but are unwilling to return my money.
|
| 12/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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Web |
Older American |
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I have attached a copy of the e mails exchanged between myself and United Community Bank. United Community ( XXXX, GA ) recently acquired XXXX XXXX which I have dealt with for a number of years. Everything seemed to be going well until I used United Community 's bill pay service. You will see from the attached e mails, I never got a satisfactory answer as to rationale for debiting my account prior to the check they issued had actually cleared. I believe that they use XXXX for their bill pay service and the check they issue is drawn on XXXX XXXX and not United Community. Someone other than me is benefiting from having these funds on deposit for the period between when they take the money and when the check is actually presented. This may be either United Community or XXXX. I plan to use their bill pay service minimally for payments that are not processed electronically in the future but many others may be oblivious to this practice. You can add to this the difficulty in determining whether the item has cleared. In my case the funds they debit before the check clears are not that significant however across United Community Bank 's or XXXXXXXX XXXX customer base, this could be millions of dollars.
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| 12/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was notified in XXXX XXXX that I was behind on mortgage payments in excess of {$4100.00}. This is inaccurate since I have made every single payment on-time as scheduled since notifying the bank in XXXX of XXXX that I would not be needing further assistance by way of deferring payments enforced by the fed guidelines in the Cares Act and that I would be resuming payments as of XX/XX/XXXX. On XX/XX/XXXX, I resumed my mortgage payments as shown online using the United Community Bank website for payment reference. United Community Bank initially started refusing bank teller payments after my first 2 payments and stated I would need to use the online banking payment option to make my payments on my mortgage, which i started doing around XXXX, XXXX. It was not until around XXXX XXXX that I was threatened to make an over {$4100.00} payment to bring the account current. After several attempts to contact the bank I was told that due to Covid the bank was severely behind in account reconciliations and they were working on the issues, yet they have still taken severe Steps to intimidate me by posting notices to my door, taking pictures of the house m, and delivering threatening letters of foreclosure.
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| 02/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Older American, Servicemember |
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United Community Bank , Inc. ( UCBI ) took over XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had my mortgage payment on automatic payment from my account with XXXX XXXX. I have NEVER been late with a mortgage payment. On XX/XX/XXXX I received a threatening letter from UCBI saying my XX/XX/XXXX payment was past due and they may report me to Credit Bureaus ( caps used ).
XXXX had withdrawn my payment from my account of XX/XX/XXXX.
In addition to this letter, I received two letters from UCBI threatening to place forced flood insurance in one and forced hazard insurance in the other. Both letter said my insurance had expired.
I checked with my insurance carrier, XXXX, and was told my food was in full force and due for renewal XX/XX/XXXX. The hazard was in full force and due for renewal XX/XX/XXXX.
I feel UCBI sent these threatening letters rather than using XXXX XXXX XXXX 's records to change declaration page. They took over the bank and its records and customers, we didn't volunteer.
I don't know if any law was broken ; however, they are not treating former XXXX XXXX XXXX XXXX customers well.
|
| 11/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
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Web |
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I recieved my bank statement to find my account had over XXXX in charges that I did not authorize so I went to bank called police did every single thing known to do an As I was asked to do, and yet it's been 30 days now An I have XXXX in bounced check fees fines and the bank is refusing to give me my money back and im told that it's a civil cop matter not there problem they said it's theft not fraud well yeah it is both cause I'm not sure who stole it I gave them few scenarios I might could help them but I'm not sure they said I need to make an arrest to whom did it and get the cops to make them pay me back it's ludicris! Im in need of that money and as the CEO mr XXXX words to me were, oh well you may just have to eat that money REALLY im blown away I put my money in trusting them to keep for me safely and now im broke and completely losing my whole life daily please help me.
|
| 08/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/2022, I was notified via telephone about a check that was deposited through mobile deposit. There were not adequate funds in my checking account. The check amount was {$8200.00}. I was not aware of any check written of this amount by me. I personally went to my bank, United Community Bank in XXXX XXXX, GA. There, I requested to look into previous transactions for similar fraudulent activity. The banker looked into my account and there were a total of 13 fraudulent checks which had been cashed from my checking account. From those, 7 checks had been cashed, totaling up to {$39000.00} within the last 24 hours and 6 more checks had been cashed within the month of XXXX, totaling to {$16000.00}. The banker stopped any further transactions on the account. The banker filed a complaint to the fraudulent activity department at the bank and I filed a police report as well.
|
| 08/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
My husband and I have been joint holders on a personal checking and savings account with this bank. Yesterday ( Thursday, XX/XX/XXXX ) I contacted their Customer service office because I could not get into my online baking. The account was locked and I asked them to reset it. They asked me a lot of questions to verify who I was. Then, the CSR advised me that she needed to speak with my husband to get permission for me to access the account. I am highly insulted and I feel this is a sexist and discriminatory practice. I am a joint holder on the account. I do all of the banking and handing of finances for our household. I spoke with another manger today and she essentially told me " it is what it is. '' This is discrimination. Why do I need my husband 's permission to access a joint bank account? This is insulting and degrading.
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| 10/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
United Community Bank engaged in unfair and deceptive practices by drafting what I thought was an inactive/closed checking acct for several years triggering an overdraft protection line of credit to pay an insur pmt I'd assumed was long terminated. They then paid the line back with the excess overdraft proceeds remaining in the checking acct. This obviously occurred for years all the while the bank collecting interest with no attempts at notification. They apparently only contacted me after the line of credit reached it's max limit and became past due.
This company acquired my prior bank, XXXX XXXX, but both had my forwarding address & only recently contacted me demanding past due payments.
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| 06/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I don't feel the bank is being as helpful as they could.
XX/XX/XXXX I made two purchases online ( XXXX ) : XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX What I got wasn't what I ordered. When I've contacted the seller they never responded. I returned both orders back to them XXXX. It was packaged well.
It was mailed to : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX The coins were fake. I've already stated what happened. I have pictures. I wish the bank would do more to help.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX By email : XXXX By phone : XXXX-XXXX-XXXX
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| 11/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I was charged a {$72.00} overdraft fee on XX/XX/22 by United Community Bank as soon as my {$500.00} deposit was made pending to my account. I have no idea why or what transaction caused it, and based on my review of my account it looks like it caused my posted balance to become - {$20.00}.
This {$72.00} sounds exactly like what CFPB stated was illegal with their recently issued policy guidance. It is certainly predatory and usury. Amusingly, the circular describes these outrageously high surprise fees as being " as high as {$36.00} '', when this one is DOUBLE.
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| 07/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
XX/XX/XXXX I made two purchases online : XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX The coins I got were fake. I contacted the seller he never responded. I mailed them back. This bank has basically said so far that I either knew they were fake coins and I didn't send them back I'm not sure where they're coming from in their refusal. I guess they don't believe me and that is unacceptable. The complaints will go on until this is completely investigated.
|
| 05/22/2020 |
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
|
|
Web |
|
|
United community bank allows my wife without my permission to pay a debt ( which they hold ) They will not allow my wife to withdraw money from the same account because they say its illegal for them to do that When she lays the loan they told her the wrong amount And proceed to charge me {$20.00} late fee every time the transaction is made It is a very sneaky tactic and the very least I want is the late fees to be removed
|
| 02/17/2023 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Loan XXXX XXXXXXXX This company has been notified COUNTLESS times that they are in error and are willfully committing XXXX XXXX and XXXX XXXX. They are now overdue on a bill that was sent to them for {$6900.00}. This is due to an overpayment that was sent on XX/XX/2020 in the amount of {$1400.00} and includes other XXXX fees & penalties. We need LEGAL ASSISTANCE to collect on this debt and are demanding full recovery.
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
I applied for a personal loan with United Community Bank, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as XXXX, XXXX and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.
|
| 07/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
United community Bank shows up on my check systems with my name but has my ex-wife address and driver 's license number on it. Also United community Bank debited my account and made me in solvent when I had a positive balance. Now my online banking login is locked out.
|
| 06/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
XX/XX/XXXX I made two purchases online. The seller sent fake coins.
XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX I returned both orders back to them XXXX.
XXXX XXXX
|
| 10/05/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
Older American |
|
My sister XXXX XXXX XXXX passport XXXX made a false paper to take my money from mysccount XXXX XXXX XXXX check number XXXX XXXX XX/XX/2022 XXXX usd.
|
| 01/22/2024 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Web |
Servicemember |
|
|
| 09/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/19/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Referral |
Servicemember |
|
|
| 08/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 06/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 08/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 08/07/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 06/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 03/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 03/06/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 02/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 02/09/2022 |
Yes |
|
|
|
Phone |
Servicemember |
|
|
| 02/04/2022 |
No |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 01/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 01/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Referral |
|
|
|
| 12/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 12/18/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 12/09/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 08/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 06/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 05/05/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 02/09/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 11/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 10/30/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American, Servicemember |
|
|
| 10/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 09/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 08/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Older American, Servicemember |
|
|
| 07/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 04/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/31/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 02/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
Servicemember |
|
|
| 01/31/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 10/03/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 06/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/24/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Postal mail |
|
|
|
| 01/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 11/01/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 08/01/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 05/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 03/13/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 01/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|