Complaints

This profile includes complaints for Seacoast Banking Corporation of Florida's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Seacoast Banking Corporation of Florida

  815 Colorado Ave Stuart, FL 34994-3053

• 

  Seacoast National Bank

  401 S Florida Ave STE 100 Tampa, FL 33602-5446

• 

  Seacoast Banking Corporation of Florida

  11711 SE Federal Hwy Hobe Sound, FL 33455-5302

• 

  Seacoast Banking Corporation of Florida

  1901 S US Highway 1 Fort Pierce, FL 34950-5147

• 

  Seacoast Banking Corporation of Florida

  5755 SE Federal Hwy Stuart, FL 34997-8545

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.

• Initial Complaint

  Date:01/07/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  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

  Date: 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

  Date:09/28/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 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

  Date: 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 Answer

  Date: 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

  Date: 11/03/2023

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

  Customer Answer

  Date: 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

  Date:04/19/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  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

  Date: 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

  Date:04/12/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  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

  Date: 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 Answer

  Date: 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

  Date:10/24/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  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

  Date: 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

  Date:06/25/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 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

  Date: 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 Answer

  Date: 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

  Date: 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.

  
  

• Initial Complaint

  Date:06/17/2022

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  Seacoast Bank was given the responsibility to Electronically transfer money from my attorneys office, to my brokerage account after selling my home. After the closing my wife and I were told that the transfer would take place that afternoon. The transfer never occurred, even though Seacoast had all of the information that was needed - they screwed it up. Since the money did not arrive in time, my wife and I had to obtain a check and wait a week for it to clear. Needless to say, due to this delay we had to pay hundreds of dollars in late fees and interest due to Seacoasts negligence. We would like to be refunded the amounts that we had to incur due to the Banks inability to complete an Electronic transfer.

  Business Response

  Date: 07/01/2022

   

   

  July 1, 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), the circumstances surrounding the electronic transfer has been discussed with ****************.
  We consider this matter resolved.   
  Thank you.
  

  Customer Answer

  Date: 07/06/2022

   
  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:05/23/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 had a loan with Seacoast which was defaulted on when I lost my job in 2015. I worked with Seacoast bank to finally come to an agreement on settlement of the loan. After paying in full the amount we agreed on in ******************************************************************************************************************* settled amount. It has never hit my credit score and updated as such. I have made numerous attempts to talk to both Seacoast and the lawyer they use. Both assured me it would get taken care of and now over 3 years later it still shows on my credit and the dollar amount goes up every single month so it looks like I have increased debt to income due to a loan that was paid off years ago.

  Business Response

  Date: 06/01/2022

  June 1, 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 reviewed the circumstances pertaining to the customers concern.  Based upon our investigation, it was determined there was an internal system issue with the Credit Reporting flag causing the account to be reported monthly. The issue has been corrected and the account flagged for non reporting to a Credit Bureau.  An update has also been provided to the Credit Reporting Agencies. 

  We consider this matter resolved.   

  
  Thank you.