ComplaintsforMechanics Bank

• Initial Complaint

  04/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have an auto loan with mechanics bank company and have always had a good payment record. Recently I called to ask for assistance because I'm not working, don't qualify for FMLA, however my husband gets unemployment and if there was any assistance I could get with my payments, a deferment, or any of the late fees to be removed? I was informed no one can help me! I asked for help/money from family and managed to pay the $650 which was my monthly payment plus the late fee of $108! I noticed even after the payment posted online still shows $108.10 late. I called back spoke with a very rude agent named ***** at 2:15pm mst today. Despite me asking ***** why is my account still showing past due and expecting an answer, she stated, 'If you were to schedule a payment with me I can then send a request to whomever about why your still showing late.' Absolutely not! I asked for a manager and she asked me why, over talked me, then told me it's gonna take a long time and I better call back later ALL BEFORE SHE EVEN ATTEMPTED TO GET A MANAGER. So she could predict my wait time but not apply my fees to reflect current in my account? This company has shown time and time again it does not care for it's clients, it doesn't hire empathetic associates, and mechanic bank will gladly take your money and neglect to apply allocated funds to appropriate locations. This reporting late! This is grossly negligent, and discriminatory! Yahoo Mail: Search, Organize, Conquer

  Business response

  05/07/2024

  Please see attachment. 

• Initial Complaint

  04/22/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I signed up for auto draw payments in 2021. Apparently, the auto draw was not processed for the very last payment because the dollar amount was slightly different ($0.85 higher) of the regular monthly draw amount. Approx a monthly later, I received a collection letter, called and paid immediately. My credit score dropped SIGNIFICANTLY due to the late payment. I contacted the company and requested they retract the info sent to the credit bureaus, as I had not requested the auto draw payment agreement to cease and they should have drawn the final amount. Also, please note, the online portal says "Your account is enrolled in recurring payments" on the main screen. The representative refused and said I "should track my finances better". The company expects me to contact all three credit bureaus to resolve, which is time consuming and I should be compensated for my time. Horrible service. I'm contacting FTC, as I believe this is a violation of FDCPA.

  Business response

  05/01/2024

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We would like to thank ******************* for reaching out to us and allowing us to investigate this matter. We would like ******************** to know that upon receipt of her complaint, Mechanics Bank management conducted an in-depth investigation and reviewed all relevant information connected with her concerns. We can confirm that on April 24, 2024,our management team was able to make contact with ******************** and address her concerns.  We value the relationships that we have built with our customers and invite ******************** to reach out to us with any questions or concerns she may have.

• Initial Complaint

  04/16/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this **** with charter communications, I do not have contract with MECHBKAUTO, they did not provide me with the original contract as i requested.

  Business response

  04/23/2024

  Please see attachment.

• Initial Complaint

  04/15/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Financed a car through this bank since then I have been completely disrespected and hung up on by employees. I believe they are taking advantage of individuals through online payments to get more money and I have also had my information given to multiple third parties for reasons I do not know. Had to have my number taken off the website to stop mechanics bank from spam calling me. In one day I received more than 20 calls from the bank followed by other sketchy numbers that do not allow you to call them back.

  Business response

  04/23/2024

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We would like to thank ******************* for reaching out to us and allowing us to investigate this matter. We would like ******************** to know that upon receipt of his complaint, our management team reviewed all relevant information connected with his concerns and records reveal we complied with Bank policy and procedures and regulatory guidelines. We value the relationships that we have built with our customers and invite ******************** to reach out with any further questions or concerns he may have.

• Initial Complaint

  04/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to seek your assistance in resolving a serious issue with Mechanics Auto Finance, which has resulted in unfair credit reporting and financial distress. The details of the account in question are as follows:Original Loan Amount: $40,000 Total Payments Made Over: $60,000 Auction Profit Over: $20,000 Reported Charge-Off/Written-Off: $11,847 Total Profit for Mechanics Auto Finance: Over $90,000 Despite my substantial payments and their considerable profit from the auction and write-off, Mechanics Auto Finance continues to report a charge-off amount, which has negatively impacted my credit score. This has unjustly affected my ability to secure loans and credit, hindering my financial recovery and stability.Given the total profit exceeding $90,000, which is more than double the value of the vehicle, I request the BBBs intervention to have this account removed from all credit reporting bureaus. This action is necessary to correct my financial records and prevent further harm.I appreciate your prompt attention to this matter and look forward to a resolution that includes the deletion of this account from all credit reports!

  Business response

  04/15/2024

  Please see the attached document. 

• Initial Complaint

  04/03/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I recently applied for a loan but was denied because of the false report on my credit from this bank. The vehicle was sold to a dealership and they did the transfer as well as the funds. We were assured that all was settled! Come to find out that they had reported on my credit,we never got any correspondence from them about any amounts outstanding! I tried calling but they were not helpful at all which is why I have contacted a lawyer. Mechanics Bank is one of the worst customer service experience I have ever had!

  Business response

  04/09/2024

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We would like to thank ****************** for reaching out to us and allowing us to investigate this matter. We would like ****************** to know that upon receipt of her complaint, Mechanics Bank management conducted an in-depth investigation and reviewed all relevant information connected with her concerns and records reveal we complied with Bank policy, procedures, regulatory guidelines and adhered to the Fair Credit Reporting Act (FCRA) requirements. We value the relationships that we have built with our customers and invite ****************** to reach out to us with any questions or concerns she may have.

• Initial Complaint

  04/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to file a formal complaint against Mechanics Bank ******************** regarding a troubling issue with my recent auto loan payment. On March 15, 2024, I made a payment of $479.75 to Mechanics Bank ********************. However, on March 23, 2024, I received a letter in the mail claiming that my payment had been reversed.Concerned about this discrepancy, I immediately contacted my bank to investigate. Upon review, my bank confirmed that the payment was indeed processed and not reversed. I provided the necessary documentation, including my bank statement, clearly indicating that the payment was successfully transferred to Mechanics Bank ******************** on March 15, 2024.Despite presenting incontrovertible evidence of the payment, I was met with resistance from Mechanics Bank ******************** representatives. They insisted that the payment had been reversed, despite the documentation provided. This refusal to acknowledge the payment is deeply troubling and unacceptable.This is not an isolated incident, and I am deeply worried about the potential consequences for my credit score. Despite my efforts to maintain a good credit history, I am now being threatened with credit damage due to an error on Mechanics Bank ********************s part.Furthermore, I am concerned that my payment may have been improperly allocated to a future date without my consent. I am not willing to make a double payment without first resolving this matter and ensuring that my previous payment is either refunded or properly accounted for.I respectfully request that the Better Business Bureau investigate this matter promptly and thoroughly. I expect Mechanics Bank ******************** to provide a detailed explanation for the alleged payment reversal and to rectify the error without further delay. Additionally, I demand assurance that my credit will not be negatively impacted as a result of this dispute.

  Business response

  04/09/2024

  Please see the attachments.

  Business response

  04/09/2024

  Please see the attachments.

  Customer response

  04/09/2024

   
  Complaint: 21511898
  
  I am rejecting this response because:
  I have contacted you numerous times attempting to get this resolved and your staff has been rude/unhelpful this payment was made as my bank personal has stated to yours and previously it was stated that 5/15 would be my next payment not 4/15 but on 3/20 I received a letter from mechanics stating they moved my payment to 4/15 because I did not pay it according to them when this payment was indeed made and confirmed by my bank please fix this
  Sincerely,
  
  *******************************

  Business response

  04/11/2024

  please see attachment. 

• Initial Complaint

  03/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  01/26/2024 was a fraudulent charge on my account this bank closed my account said it wasnt no error & to go speak wit the merchants about it..

  Business response

  03/28/2024

  Mechanics Bank is in receipt of the complaint that ******************** filed with the Better Business Bureau (BBB) on March 18, 2024. 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. Our records reflect previous correspondences were mailed to ******************** on January 31, 2024, and February 14, 2024, regarding the matter.  We have prepared a formal response to the BBB complaint and mailed the correspondence to ******************** on March 28, 2024. We invite ******************** to reach out to us directly at ************** should he have further questions.

• Initial Complaint

  03/01/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this **** with MECHANICS BANK AUTO FINA, I do not have a contract with MECHANICS BANK AUTO FINA , they did not provide me with the original contract as I requested.

  Business response

  03/04/2024

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We would like to thank *********** for reaching out to us and allowing us to investigate this matter. We would like ************ to know in order to investigate your request to correct your credit report, please respond to ****************************************** with the error you want fixed, including the account number for any account you may be disputing, a clear explanation of why you are disputing the information,a copy of the portion of your credit report that contains the disputed items,with the disputed items circled or highlighted, and copies of documents that support your position.

• Initial Complaint

  02/25/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  The repo company that they used open my gate and repossessed my vehicle that was parked in the back yard. They never knocked on my door to get permission to come onto my property.

  Business response

  03/04/2024

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We would like to thank *********** for reaching out to us and allowing us to investigate this matter. We would like ************ to know that upon receipt of her complaint, our management team reviewed all relevant information connected with her concerns and records reveal we complied with Bank policy and procedures and regulatory guidelines. We value the relationships that we have built with our customers and invite ************ to reach out with any further questions or concerns she may have.

*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. ↩