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Business Profile

Bank

Mechanics Bank

Headquarters

This business is NOT BBB Accredited.

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Important information

Complaints

This profile includes complaints for Mechanics Bank's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 104 total complaints in the last 3 years.
    • 29 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/31/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      date of transaction. 11/08/2024 the amount that there gross negligence costed me, $6696.00 we had an *** account that we were told we could make a withdrawal at the time ,we were told to call there *** service specialist that would walk us threw the complete process.Our dispute is that the agent with Mechanics bank greatly misinformed us of the tax implications and the amounts that would be owed to state and federal tax , causing us to have to pay the addition $6696.00 on our taxes, if we had been made aware of the high taxes and penalties of almost 40% we would not have withdrew the money.After talking with a bank manager on March 28, 2025 about our problem he made no attempt to help resolve our issue ( there was no advertising )

      Business Response

      Date: 04/01/2025

      Mechanics Bank is in receipt of the complaint ****** **** recently filed with the Better Business Bureau (BBB) on March 31, 2025. As part of its ongoing efforts to maintain the highest level of customer service and consumer protection, ********************** welcomes the opportunity to receive and understand all consumer complaints and appreciates the role of the BBB in facilitating this communication. 

      Due to federal privacy and confidentiality laws, the Bank is unable to provide Mr. **** with specific details relating to a Mechanics Bank account owned by another party. 

      At this time, with the explanation provided herein, Mechanics Bank will consider this matter closed.  *************** have any questions or concerns, he may contact our toll-free **************** at **************.

      Thank you

      Customer Answer

      Date: 04/01/2025

      I , ****** **** was handling the communications with mechanics bank during the time and day of the *** withdrawal, but spoke with a specialist on the phone with my wife ****** **** giving me authorization to communicate and make withdraws with mechanics bank on the stated *** account

      Complaint: 23140949

      I am rejecting this response because:

      Sincerely,

      ****** ****

    • Initial Complaint

      Date:03/30/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      im not liable for this debt with MECHANICS BANK AUTO FI. i do not have a contract with MECHANICS BANK AUTO FI, they did not provide me with the original contract as i requested

      Business Response

      Date: 04/01/2025

      Please see attached response. 

      Thank you, 

      Mechanics Bank 

    • Initial Complaint

      Date:03/06/2025

      Type:Sales and Advertising Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Ive been using mechanics bank since 2021, I got a car from auto quest in ******, immediately it started having issues, the transmission went out and I had no car for 9 months while I had to save 8k to get it fixed. The bank did not care at all and would harass me anytime I was late. After covid the economy was so bad I struggled to make payments. The customer service was so mean the people that call would yell at me over the phone and I would get so scared to answer. Well recently I got my account locked for being 30 days late, I cant answer phone calls or talk to them on the phone, Ive recently lost my hearing. Instead of emailing me they continue to ignore my customer service emails requesting to go over my loan details since I cannot access my online account. They started calling random people to talk to them about my car loan and caused me to lose my job as well as they contacted someone I was hiding from that I was involved in a domestic violence case and asked my abuser to help them contact me. Now theyre calling random people saying theyre going to repo my car and still refuse to talk to me over messaging. Its become a very messy situation and I requesting help to resolve this issue.

      Business Response

      Date: 03/12/2025

      Please see attached response.   

    • Initial Complaint

      Date:02/21/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have a loan from Mechanics bank for 6 years term. I have been paying extra equal Amounts of monthly payment to my car note after their instruction to mail the extra amount to a different department to avoid confusion. I did. I noticed they have been charging me an interest of $80.00 on top of my extra payment which is wrong. I complained and they said request was sent. I called them this month and asked if I can pay off my balance and if the supposed refund should still be in process and customer service said yes and it will not affect. I got a refund of $2.80 today. I was looking at $180.00 or more for the interest they charged for 3 months. This is extortion! Need to be check how they do business.. thank you.

      Business Response

      Date: 02/25/2025

      Please see attached response.  

    • Initial Complaint

      Date:02/06/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Dear *********** am writing to formally dispute inaccurate information that appears on my credit report, as I am a victim of identity theft. Specifically, the following account is not authorized by me and was opened fraudulently:MECHANICS BANK AUTO FIDate Opened: 11/7/2016Account Number: 501001XXXXXXXXXXX I have never applied for or authorized this account. I discovered this error while reviewing my recent credit report. As soon as I became aware of this fraudulent activity, I filed a complaint with the appropriate authorities and submitted a report to *****************. I am in the process of working with law enforcement to resolve this matter.Enclosed are copies of my identity theft report, complaint filings, and any other supporting documentation that verify my claim. I request that you investigate this matter promptly and ensure that this unauthorized account is removed from my credit report.Please confirm receipt of this letter and provide an update on the status of my dispute at your earliest convenience. If you require any further information or documentation, do not hesitate to contact me via the contact details provided above.Thank you for your attention to this urgent matter.

      Business Response

      Date: 02/06/2025

      Please see attached response.  

    • Initial Complaint

      Date:02/04/2025

      Type:Order Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Mechanics Bank. I do not have a contract with this collection agency (Mechanics Bank) An they have not provided me with the original contract as requested.

      Business Response

      Date: 02/05/2025

      Please see attached response.  

      Customer Answer

      Date: 02/06/2025

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      ***** ******

    • Initial Complaint

      Date:02/01/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 EB

      Business Response

      Date: 02/07/2025

      Please see attached response.   

    • Initial Complaint

      Date:01/26/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am filing this complaint to report a frustrating and damaging experience with Mechanics Bank that has negatively impacted my credit and financial stability. For five years, I had a car loan with Mechanics Bank and paid every installment on time through their auto-pay system. My final payment of **$910**, due on **December 19, 2024**, was missed without my knowledge because the auto-pay system inexplicably stopped. I was never informed of this issuethere was no email, text, phone call, or letter notifying me that my payment was not processed. Despite having multiple ways to reach me, Mechanics Bank chose not to communicate the missed payment. Instead, they waited **45 days** and reported it to the credit bureaus. This single missed payment has caused significant damage to my credit score, which was previously over 800. Now, I am facing challenges closing a new loan due to this unwarranted negative **** on my credit report. What makes this situation even more upsetting is that I had a spotless payment history with Mechanics Bank throughout the five years of my loan. A simple notification or reminder would have prevented this entirely, but the bank failed to provide even the most basic level of customer support. I am requesting that ********************** **remove the negative report** from my credit history, as the missed payment resulted solely from their lack of communication. Their inaction and failure to inform me of the auto-pay issue have caused unnecessary financial stress and complications. This experience has been deeply disappointing, and I hope the Better Business Bureau will hold Mechanics Bank accountable. No customer should face this kind of harm due to a financial institutions negligence. Thank you for your attention to this matter.

      Business Response

      Date: 01/30/2025

      Please see attached response.   

    • Initial Complaint

      Date:01/24/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am filing this complaint with the Better Business Bureau regarding an unprofessional and frustrating experience with Mechanics Bank that has caused significant financial harm and stress. For five years, I had a car loan with Mechanics Bank and made every payment on time through auto-pay. My final payment of **$910**, due on **December 19, 2024**, was missed because the auto-pay system stopped without any prior notice. Mechanics Bank failed to contact me in any waythere was no email, text, phone call, or mailed notice to alert me to this issue. Instead of notifying me and providing an opportunity to address the situation, Mechanics Bank waited **45 days** and reported the missed payment to the credit bureaus. This has caused severe damage to my credit score, which was previously over 800, and has now jeopardized my ability to close on a new loan. The lack of communication is completely unacceptable, especially after five years of flawless payment history. I trusted Mechanics Bank to handle my loan professionally, but their negligence in this matter has caused significant hardship. This situation was entirely avoidable if Mechanics Bank had shown even a basic level of customer care by informing me of the issue in a timely manner. I am requesting that Mechanics Bank **remove the negative report** from my credit history, as the missed payment was directly caused by their failure to notify me. I fulfilled my obligations throughout the loan, and this negative **** is unjustified. I urge the Better Business Bureau to investigate this matter and hold Mechanics Bank accountable for their actions. This experience has been deeply frustrating, and I will not be using Mechanics Bank for any future financial services. I hope this complaint encourages them to take corrective actions to prevent others from enduring similar harm. Thank you for your time and attention to this matter.

      Business Response

      Date: 01/30/2025

      Please see attached response.   

    • Initial Complaint

      Date:01/23/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am filing a complaint against Mechanics Bank Auto Finance regarding their unfair and predatory practices related to my 2010 Porsche Panamera loan.For over three years, I repeatedly requested to change my payment due date from the 11th to after the 23rd of each month to align with my income schedule. Despite numerous calls and emails, Mechanics Bank ignored these requests, resulting in my payments appearing late even though I made all yearly payments. Each attempt to contact customer service involved excessive hold times of at least 30 minutes.The bank's inflexibility led to the accumulation of late fees, making it impossible for me to bring the account current despite multiple attempts. They refused my payments because I couldn't cover all late fees in addition to the principal.Mechanics Bank ultimately repossessed my vehicle and sold it for approximately $7,500, which is far below its market value. (At the time of sale, the value was approximately $19,000+) A year later, the car's value is more than double that amount. Now, they are pursuing me through collections for the remaining balance.This experience aligns with numerous other customer complaints visible in ****** reviews, highlighting a pattern of unfair and predatory business practices by Mechanics Bank Auto Finance.I request that the BBB investigate these practices, particularly:* The bank's refusal to accommodate reasonable payment date change requests * Excessive and predatory late fees * Unreasonable repossession and resale practices * Poor customer service and communication *I seek a fair resolution to this matter, including a reassessment of the remaining balance based on the vehicle's actual market value at the time of repossession

      Business Response

      Date: 01/29/2025

      Please see attached response.   

    Mechanics Bank is NOT a BBB Accredited Business.

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