ComplaintsforSeacoast Banking Corporation of Florida

• Initial Complaint

  06/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My issue is the DAILY 5.00 overdraft fee that continues to hit account after its overdrawn. The ***** FEE is expensive enough. 5.00 EXTRA DAILY fee is very costly for customers that do not have the money to quickly put into bank. 5.00 fee should be against the law - its very negatively impactful for someone already struggling. I do not have any income at this time and had to borrow money to pay for gym draft I've been trying to cancel. I've been a long time bank customer with account in good standing. I live 3 hours from closest seacoast and can not get there to close account in person. Lost my long term employment 8 months ago and have been able to keep my account in good standing except for 1 recurring draft I can not get closed with gym. Ive put in 2 requests w gym to transfer home location to me and they aren't doing it. I'm stuck and my account is only getting worse due to the daily fee. The daily fee hurts your customers.It really makes customers feel like c*** when they are already struggling. This daily fee needs stopped. It only causes more financial impact for people already struggling and out of money, I am ok to pay the gym member and 1 over draft fee. But paying the daily fee is beyond what Ive already borrowed. I need to have the gym blocked or close this account. I have no transportation.

  Business response

  07/05/2024

  Seacoast Bank has resolved this complaint and provided the customer an explanation. The customer was contacted by telephone call on June 26, 2024. The Bank considers this matter resolved and the complaint closed. 

  Business response

  07/21/2024

  Originally submitted on July 5, 2024

   

  Seacoast Bank has resolved this complaint and provided the customer an explanation. The customer was contacted by telephone call on June 26, 2024. The Bank considers this matter resolved and the complaint closed. 

• Initial Complaint

  06/25/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  We are a long time business customer at **********************. It was brought to our attention that we were billed incorrectly for a check deposit service and hardware that has not been used and was returned a long time ago. Manager found the machine in their office ? We would like to get a refund for this unneeded service. Manager could not offer satisfactory resolution only offered to remove from future billing.

  Business response

  07/05/2024

  The customer was contacted by telephone on July 1, 2024. The customer was provided monetary relief in the amount of $240.00. Seacoast Bank considers this matter resolved and the complaint closed.

  Customer response

  07/08/2024

   
  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

  05/13/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Ok , i went to the Seacoast Bank in ************ . In Febuary of 2024 . I Closed out my 2 Accounts . Closed out done . Got my money and left . A month later Seacoast paid out money to a life ins . ** with all Accounts closed out . Little to my knowledge untill a month later they send me a state ment saying i owed them money ! I tried to talk to somebody there to tell them i am totally disabled and that those acc's have been closed out ! They wanted me to pay some 40 plus dollors any way . Well before i could get my monthly SSD check . They know have turned this into complete payment recovery services for some $261.58 cents . Lord i cant see how i am being held responsable those Accounts were closed out ! The control number is ********* .. please help me cause the closest bank is a hours drive for me .plus i shouldnt be held responsable for 260 + plus dollors for a ***** dollor bill . To say the least they hit my account when it was open for fee's i was not told about ! I had a Seniors account thats suppose to be free . Which is not . Please help me i cant afford this ! Thats why i left them back in February 2024 . This letter says 4/26/24 ! Please there stealing again .

  Business response

  05/22/2024

  Seacoast Bank has responded to the customer in writing and has mailed our response via US Mail on Wednesday, May 22, 2024. The Bank has provided monetary relief in an effort to resolve the customer's complaint. ********************** considers this matter resolved and the complaint closed. 

• Initial Complaint

  04/09/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On March 28 & 29, 2024 Seacoast Bank authorized four different wire transfers to go out to unknown entities in multiple different states/countries. On 3/29, we went to the bank to discuss how/why this could've happened and were told that Seacoast would "try to reclaim the wires" and would let us know what happened. We then immediately filed reports with ***** **** Police, ic3.gov, Florida Office of the Attorney General, Florida ********** of ********* Services, and the ************************ in order to get as many agencies as are applicable to this type of fraud working together. As of today, April 9th, Seacoast has let us know that they are no longer going to be involved in the recovery efforts and that we should contact the **** The end result is that we will NOT be getting $150,000 of the funds back. Consumers definitely need to be aware that their money IS NOT SAFE at Seacoast Bank. I uploaded the full complaint with additional details as supporting documents, since there is sensitive information within.

  Business response

  04/17/2024

  The customer has been previously responded to by telephone and in person regarding the situation and the bank's findings leading to this complaint on March 29, 2024. This complaint has been closed with explanation. Seacoast Bank considers this matter closed. 

• Initial Complaint

  01/07/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  My debit card was about to expire. I had not received a new one in the mail and I called. I was advised that they never sent me a new one in the mail. I was told it would arrive in **** business days. I asked if it could be expedited and was advised their is a 60 dollar fee. This was not my error and ******* stated a branch would reach out to me and I would get my card sooner and the fee would be waived. 10 days after this call I had no card. I had been contacted that some of my autopays had been returned since the card expired. I also could not receive money via zelle which ******** my account. I called and spoke to a very argumentive rep. ** asked if I paid the 60 dollar fee for the new card. Advised that I had a new card that had been activated, which I did not. ** advised he would cancel it and have another card sent in **** days. ** argued with me about the zelle transaction. I have 2 overdraft fees because I could not receive money via Zelle app, which I want refunded. I basiclly have never been so insulted by a customer service rep when they made an error. I also live somewhere where a branch is not close by for me to go in person. They are all closed on Saturday. Not even apologetic or trying to resolve the issue. I became so upset I ended the call.

  Business response

  01/16/2024

  Dear **************,
  
  This letter is in response to your complaint received from the Better Business Bureau (BBB) on January 07, ****. Upon receipt of this information, Seacoast National Bank (the Bank) thoroughly researched your stated concerns which may have negatively impacted your banking experience.
  
  Regarding your concerns involving a replacement debit card for the card expiring at the end of December 2023, our records indicate the Bank automatically sent you a new card on November 08, 2023, to the address on file, which was activated on November 14, 2023.  The *** associate explained that even though you had no record of receiving the replacement card, the new card must be canceled immediately to protect your account from fraudulent debit card transactions.   She further explained a replacement card will arrive in 710 business days.  Our understanding is you requested the card be expedited, so the *** representative referred the request to the applicable branch for further review and response on December 27, 2023.  We recognize not having received the response within the expected time impacted your ability to receive Zelle transactions and resulted in overdraft charges.  ******** refunded all overdraft fees on January 9, ****, and even though our records do not indicate a Bank error in sending your replacement card, we will expedite a new debit card to you without a charge. However, it is important to first confirm the address on file is still accurate,considering you were not aware someone received and activated your first replacement card.
  
  Regarding Zelle, you may have previously accessed Zelle by using your debit card number; however,the process now requires Zelle to be setup through the Seacoast online banking platform and linked directly to your account number. This prevents future interruptions from accessing Zelle transactions if your debit card expires or is compromised. This allows you to setup Zelle at any time at your convenience, without having to wait for the new debit card. Should you need assistance with establishing your online banking account, our associates are happy to assist you.
  
  Concerning your call on December 27th, you terminated the phone call before the associate had the opportunity to confirm your address, which wouldve allowed the Bank to send you the new debit card and allowed the associate to further assist you with establishing your Seacoast online banking account.  Bank representatives have attempted to contact you multiple times, via email and phone calls, but havent received a response as of the date of this letter.  
  
  Seacoast Bank values your business and look forward to your response.  Please contact the Bank by calling our *********************** at ************ or by visiting your closest Seacoast Bank location so that we can help you get this matter resolved.
  
  
  Sincerely,
  
  *********************** Management

• Initial Complaint

  09/28/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I made a payment on September 18, **** in the *************************** office. I wanted to ask the full payment details so I didnt have any more payments, until I needed another loan in the future. The next day on September 19, 2023 a withdrawal for $1046.78 came out of my account which caused a $25 fee for insufficient funds on my checking account from my credit union. I found this error the next day and made a phone call asking why this occurred. The gentleman from Seacoast Bank said it was in error and I should have a credit back to my credit union account in a few days. On September 19, 2023 I received an email from *********************************** that the *** payment was already pending when I paid the line to zero on 9/18 I will receive check for the refund $1046.78 mailed out in 10 days. I called the next morning to talk to someone because I can wait for a check in 10 business days since my other payments (mortgage, credit card bill, phone bill, etc) is due October 1 and my account will have insufficient funds again. The representative asked the normal questions name dob, and password which I have all correctly then she said she had to send text for me to read the number. I can not see small text on my phone without glasses which I was at the gym and didnt have glasses. I got upset when I tried to tell her and was uncontrollably crying to I had to end the call. Instead of calling back I sent email to *********************************** to explain that waiting 10 days for a check was unacceptable on September 22. It is now almost a week later and I havent heard anything back from anyone. I understand that the *** payment was pending but the amount on my statement said it will withdrawal $46.78 NOT $1046.78, otherwise I would have had sufficient money in that account and would not have been charged a $25 insufficient fee. I request my full payment back of $1046.78 and the $25 fee I was charged by my credit union.

  Business response

  10/13/2023

  Seacoast Bank has reviewed the customer's concerns and has provided monetary relief to the customer. The customer was emailed our response on October 13, 2023. Seacoast Bank considers the matter resolved and the case closed. 

  Customer response

  10/22/2023

   
  Complaint: 20669081
  
  I am rejecting this response because:
  Common Sense. That is what ******* lacks today. You took additional money out of my account that was not warranted. You say I signed up to take $1,000 plus interest. I didnt owe $1,000 in the account you were trying to credit. You can do the right thing or keep my dissatisfaction on record with the BBB. Your call. I hope the large amount of interest I already paid along with the $25 overdraft is worth it. 
  

  
  Sincerely,
  
  *****************************

  Business response

  11/03/2023

  We have previously communicated our findings to the customer by mail. We consider this matter resolved and closed. 

  Customer response

  11/03/2023

   
  Complaint: 20669081
  
  I am rejecting this response because: I havent received my $25 refund from the over draft caused by their mistake. I called them back as requested and left voice message and they didnt call back nor did I receive the credit. To the public that reads this, dont do business with SeaCoast bank. They take money out of your account that you do not owe. It is not worth the hassle. I now keep additional money in that account so I will not be charged for future errors on their part.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  04/19/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On March 3, 2023, I opened an account with this bank with a promo which offered $350 bonus when $500 or more in direct deposits are made within 60 days of account opening. My initial opening deposit was $50.00, and I had several direct deposits over the next several weeks. On March 10, a direct deposit of $500.00 was made to the account. I sent a secured message on 3/3/2023 to verify the promo code was attached to my account. This was confirmed by the 'Digital Banking Team'.Over the past few days I have been attempting to get a status on the bonus funds of $350.00 and when it will be applied to my account. Now they are telling me I missed a qualification by not funding the account with at least $50.00 on account opening. This is false, as I clearly transferred money that very day from my banking institution. The transfer was initiated on 3/3 and showed up in the account on 3/******** help resolve my issue.Thanks ******

  Business response

  05/03/2023

  Seacoast has received and reviewed this BBB complaint from the customer. The customer was responded to and sent a letter via ** Mail on 05/02/23. The complaint was closed with explanation. Seacoast Bank considers this matter resolved.

• Initial Complaint

  04/12/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  This involves Seacoast Bank, especially the Palm City Branch. On 3/21/2023, I noticed that $7500. had been removed from by business checking account at ********************** by *********** on 3/24/2023. I went into the bank branch (unable to get them by phone) to discuss and have the removed monies returned. I was told that since this is a business account, I must notify the bank within 24 hours of the fraudulent transaction for Seacoast to re-imburse me my funds. I don't know anyone who checks their accounts every single day. In addition I opened this account 24 years ago. I assumed that Seacoast would protect my money from fraudulent transactions. They had absolutely no interest in helping me until I became persistent and firm with them. The situation now is that the Seacoast investigator is doing her investigation and then turning the whole issue over to *********** and the *********************** Department. I was told by the Assistant Manager at Seacoast that at that point, it is up to me to stay in touch with the investigator from *********** and the Sheriff; at that at that Point, Seacoast will wash their hands of it. I feel Seacoast should reimburse me the money and have their investigator work to get it back to them. I feel the investigator will work alot harder to get Seacoast back their money since they work for them. When I go into the bank to speak to various managers, their complete lack of interest in my loss is apparent. I have been told frequently there is nothing they can do and I may never get my money back. What is your recommendation to resolve this situation? $7500. is a lot of money to me, I cannot afford to walk away from it. In addition, Seacoast will give me no information on how it happened, so I do not know where I am vulnerable to future fraudulent activity on my account. Thank you for any help you can give me.

  Business response

  04/27/2023

  Seacoast has received and reviewed this BBB complaint from the customer. The customer was responded to and sent a letter via US Mail on 04/27/23. The complaint was closed with monetary relief. Seacoast Bank considers this matter resolved. 

  Customer response

  04/27/2023

   
  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

  10/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  They bought out ******** community bank and therefore shutting down our LOCAL bank here in ****, ** and making us drive 45mins just to bank with them. They've lost their gd mind and fixing to lose a c*** ton of customers!!! Not to mention the great people they are putting out of work!!! I shut down our capital city bank account because ******** was the absolute best with customer service and waiving ridiculous fees!! We don't get charged by ******** to have an online account, most times if we overdraft and fix it the same day, they waive the overdraft fees, etc. Seacoast comes in takes over and puts us locals in a devasting situation!! What in the h*ll is wrong with yall!!!

  Business response

  10/31/2022

  October 31, 2022
  
  Better Business Bureau
  4411 **********, Ste 4
  ***************, **  33407
  
  RE:  ***********************

  BBB ID# ********

  To Whom It May ***************** response to the complaint submitted with the Better Business Bureau (BBB), Seacoast Bank has communicated to the customer in writing that while the branch is closing there will be no disruption to day-to-day banking and that accounts are accessible at any of the banks locations or through online and mobile banking services. The banks local Florida *********************** telephone number and hours of operation was also communicated to the customer.
  

  We consider this matter resolved.   
  

  Thank you.
  

• Initial Complaint

  06/25/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been a customer of ********************** since last year. I am a small business owner. I wanted to enable my checking account for ACH transfers and found out that Seacoast will charge a monthly $20 fee to enable. I contacted Seacoast and asked them to waive this fee, as it would be devastating for my business. My Seacoast contact agreed to this and confirmed that I will not be charged any fees for ACH ability or transfers. To my surprise and against our initial agreement, Seacoast acted against our agreement and charged me a monthly fee of $20 since the end of 2021. Repeated attempts for a callback and resolution failed up to today. As an aside, it took over six weeks to get a callback from the branch in which I bank regarding this issue. The person calling me back informed me that there is nothing she can do and that Seacoast will continue to charge this fee. Again, this is in contradiction with my agreement with my Seacoast contact.

  Business response

  07/11/2022

   

  July 11, 2022
  
  Better Business Bureau
  4411 **********, Ste 4
  ***************, **  33407
  
  RE:  *******************

  BBB ID# ********

  To Whom It May ***************** response to the complaint submitted with the Better Business Bureau (BBB), we have communicated with the customer regarding the concerns about his account.

  Thank you.

  Customer response

  07/19/2022

   
  Complaint: 17484038
  
  I am rejecting this response because:?I was contacted by *********************, Market ********** **** Beach County at Seacoast who requested a meeting to discuss "...frustration and dissatisfaction with products and services received at Seacoast Bank." The email failed to acknowledge any investigation into the allegations made, which were previously reported in detail to another senior manager at the bank. On 7/8/2022, in response to ******************** communication, I sent a detailed email chronicling widespread reprehensible and dishonest conduct by various employees at the bank and made demands to remedy the situation. As Ive wasted many hours on this issue, was lied to by multiple bank workers, and most importantly denied the service I was promised - I demanded an apology and compensation for my time.
  
  I received a response letter from ****************. First, Seacoast Bank issued a check to make up for the moneys that were withdrawn from my account without permission. What **************** failed to do is (a) apologize for the conduct of Seacoast employees. (b) Further, **************** did not address compensating me for my time. (c) Finally, ****************** letter stated that Seacoast Bank will continue to assess my account for a monthly ACH analysis services fee of $20 from my account for virtually doing nothing, and in violation of the promise made by *********************** to waive the fee.
  
  I thank the BBB for their service.
  
  Sincerely,
  
  *******************

  Business response

  08/03/2022

  July 29, 2022
  
  Better Business Bureau
  4411 **********, Ste 4
  ***************, **  33407
  
  RE:  *******************

  BBB ID# ********

  To Whom It May ***************** have communicated with the customer regarding his recent response submitted to the Better Business Bureau (BBB) concerning the status of account.
  We consider the matter resolved.
  Thank you.

  
  

*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. ↩