Complaints

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:12/06/2023

  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.

  I am not liable for this debt with Cortrust Bank I do not have a contract with Cortrust Bank. They did not provide me with the original contract as I requested.

  Customer Answer

  Date: 12/06/2023

  I ****** ****** filed this complaint, I did not use a third party. These companies have added accounts to my credit report that do not belong to me. I reached out to them and they have not supplied me with any contracts.

  Business Response

  Date: 01/02/2024

  The information for this response was previously submitted on 12/8/2023.  I apologize for any inconvenience this may have caused in not being received.  Attached please find our letter in response to this matter along with the supporting documentation.  

  Thank you.

  ***** *****

  CorTrust Bank Card Services

   

  December 8, 2023

  
  Better Business Bureau
  11811 P Street
  Omaha, NE 68137

  
  RE: ****** ******
  Complaint ID#: ********

  
  To Whom It May Concern:

  
  This correspondence is in response to the inquiry we received from your office on 12/07/2023 in regards to the
  complaint referenced case. A response to the cardholder is enclosed.
  If you have any further concerns, please feel free to contact me at ***** ********.

  
  Sincerely,
  ***** *****
  Accounting and Operations Manager

  
  CorTrust Bank, N.A.
  Credit Card Department

  
  December 8, 2023

  
  ***** * ******
  **** * ******* ** **** *** ******** ****** ** **********

  
  Re: Account number ending in ****

  
  Dear ***** * ******,

  
  This correspondence is in response to your recent complaint filed with the Better Business Bureau requesting a
  copy of the signed application for the above-referenced account with CorTrust Bank. As the issuer of your
  ********** credit card, CorTrust Bank is the original creditor with respect to the debt in question, and as such is
  not subject to the provisions of the Fair Debt Collection Practices Act governing the actions of debt collectors or
  validation of a debt.

  
  Our records indicate on 7/23/2022 we received an individual online application in the name o* ***** * ******,
  with an address o* **** **** ******* ***** ***** ******** **** ** ***** and the social security number ending
  in ****. To proceed with processing your application, we required additional information to validate your name
  and address. A letter was sent to you on 08/02/2022 requesting additional information. On 08/10/2022, the
  requested information was received. At that time, your identity was validated, the application was approved, and
  the above referenced account was established. The account was used for purchases and payments were made on
  the account. The last payment in the amount of $40.00 was posted to the account on 01/13/2023; however, it was
  subsequently returned due to a Stop Payment on 01/19/2023. The account charged off due to non-payment on
  01/19/2023 with a balance of $508.37. That balance remains today.

  
  The above application was completed online; therefore, we do not have the original copy. However, the
  information we received is retained in our files. As a gesture of goodwill, a copy of the online application
  information and documentation requested to process your application is enclosed for your review.
  We hope this information will assist you in completely resolving this matter. Feel free to contact us at ****** ******** if you have any questions or concerns.

  
  Sincerely,
  CorTrust Bank
  Card Services
  md
  enclosure

• Initial Complaint

  Date:11/27/2023

  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.

  To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. CORTRUST BK ************ $183 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 12/08/2023

  Attached please find our response to this matter.  Thank you.  CorTrust Bank Card Services

• Initial Complaint

  Date:03/30/2023

  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.

  Hello Please help to delete Cortust Credit Card from my credit bureaus. They were included in 2019 Bankruptcy and were notified to remove status from my credit. They have not and its been Four Years. Please help in this battle by having them to delete this as it is showing 6 month negative payment history and charge off...hurting me in my future now. Rosalind ******

  Business Response

  Date: 04/11/2023

  Please see our attached response to the cardholder regarding this matter.  Thank you.  

  Customer Answer

  Date: 04/11/2023

  
  Complaint: ********
  
  I am rejecting this response because:

  Dear Mindy *****                                                           April 11, 2023
  Accounting and Operations Manager
  Cortrust Bank, N.A.
  Credit Card Department
  Please reconsider deleting this information of past cleared debt form bankruptcy. It is harsh to continue to report this on my credit report. There were 10 credit cards deleted in the bankruptcy and wiped clean from my credit report. All three bureas have been contacted by the original credit card lenders and done as is correct and deleted their past cleared bankruptcy as my attorney stated they are held to do. This rule has not changed in 2023.
  Over the years this has continued to hurt my credit because you at Cortrust Bank have not deleted this painful, and poverty noted sequence of events in my life. No matter how hard I try ** * ******** ****** I feel that maybe I can receive a fresh start with your help. You can help this entire past part of my life by deleting this from the bureas (all three) and help me to have new dreams in my life.
  Im sure you understand **** ******* ******* **** ******* *** ****** ********** **** ***** ** ***** ****** ***** ****. I finally have a chance to build a new future and feel better and have confidence again. Please help me to do so.
  Sincerely,
  Rosalind ******
  **** ******** **
  ***
  ********* ** *****
  ************
  
  

  Business Response

  Date: 04/25/2023

  Attached please find our follow up response to the customer regarding this case.  Thank you.