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Business Profile

Banking Services

Austin Capital Bank SSB

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 248 total complaints in the last 3 years.
  • 81 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:02/02/2024

    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.
    I am not liable for the debt with AUSTIN CAPITAL BANK SSB I do not have a contract with AUSTIN CAPITAL BANK SSB they did not provide me with the original contract as I requested

    Business Response

    Date: 02/02/2024

    Thank you for forwarding this complaint to us for review.  After our review, we find we are in receipt of two disputes via the credit bureaus in November 2023.  We conducted a complete investigation into each dispute and provided the results back within the required time frame. Please kindly note, we are not attempting to collect debt, nor have we reached out to **************** in regard to the collection of debt. As of February 2, ****, we have not received any correspondence to our office.  If you are disputing a specific item, please send correspondence to *************************************************************, **, 78757.  A dispute notice must include all supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example: a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information; a police report; a fraud or identity theft affidavit; a court order; or account statements. We cannot accept any dispute via a third-party website.  We cannot accept any disputes via a third part website. Thank you.

  • Initial Complaint

    Date:02/02/2024

    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 not liable for this debt with AUSTIN CAPITAL BANK SSB. I do not have a contract with AUSTIN CAPITAL BANK SSB, they did not provide me with the original contract as I requested.

    Business Response

    Date: 02/02/2024

    Hello, thanks for forwarding this complaint to us for review.  After our review, we cannot find any disputes either to our office or via the credit bureaus for the Austin Capital Bank account as of February 2, 2024.  Please kindly note, we are not debt collectors, nor have we reached out to ************** regarding the collection of debt.  If you are disputing a specific item, please send correspondence to *************************************************************, **, 78757.  A dispute notice must include all supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example: a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information; a police report; a fraud or identity theft affidavit; a court order; or account statements. We cannot accept any dispute via a third-party website.Thank you.

    Customer Answer

    Date: 02/02/2024

    Complaint: 21236038

    I am rejecting this response because:

    I am not liable for this debt with Austin Capital Bank SSB thats on my credit report. I demand this account be removed from credit report  



    Regards,

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

    Business Response

    Date: 02/02/2024

    Thank you for your response.  Please kindly note,we are not attempting to collect a debt. We have not reached out to you in regard to the collection of a debt. If you are disputing a specific item, please send correspondence to *************************************************************, **, 78757.  A dispute notice must include all supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example: a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information; a police report; a fraud or identity theft affidavit; a court order; or account statements. We cannot accept any dispute via a third-party website.  We cannot accept any disputes via a third part website. Thank you. 

  • Initial Complaint

    Date:01/26/2024

    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 recently reviewed my credit profile and noticed innaccuracies and incomplete information with this company. According to the **** 611 (5) (A) creditors are required to delete inaccurate/unverified information. Austin capital is reporting false late payments on an account that was closed with no balance due.Along with inaccurate information on my credit profile this creditor violated the cares act of 2020 to stop adverse reporting if affected by Covid.This account should be updated to paid and never late.

    Business Response

    Date: 01/26/2024

    Thank you for forwarding this complaint to us for review.  After our review, we find we are in receipt of three disputes via the Credit bureaus from October 2023 through January 11, 2024.  We have conducted a complete investigation into each dispute and provided the results back within the required time frame.  Email notifications are sent when an account is 1,10, 15, 28, 30, 60, 75, and 80 days past due. These notifications were sent to the same email address as on this form. Please note, per the ***** The CARES Act only requires accommodation for Federally backed mortgage loans and automatic suspension of principal and interest payment. Austin Capital Bank did not receive any request for accommodation in regard to the Credit Strong account prior to the delinquencies. We are required by the **** to report accurately and cannot remove any factual information that has occurred.  

  • Initial Complaint

    Date:01/22/2024

    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.
    Im not liable for this debt with AUSTIN CAPITAL BANK SSB I do not have a contract with the collection agency they did not provide me with the original contract as I requested

    Business Response

    Date: 01/22/2024

    Thank you for forwarding our customers concerns to us for review. Austin Capital Bank is neither a debt collector nor a collection agency. Austin Capital Bank keeps a record of all incoming and outgoing mail. As of 01/22/2024, we have not received a direct dispute requesting debt validation from the customer. We are in receipt of a dispute from *********** and responded back with the results of our completed investigation within the required time frame.

    Due to privacy laws, Austin Capital Bank does not accept disputes through third party vendors such as the BBB. We encourage the customer to send a dispute directly to our office along with documentation which substantiates the basis of their dispute such as the relevant portion of their consumer report which contains the allegedly inaccurate information or account statements. Once the dispute and documentation is received and our investigation has been completed,we will respond directly to the customer with the results of our investigation and relevant documents.

  • Initial Complaint

    Date:01/19/2024

    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 this report, as per advice from my legal reprensentation, to formally report this, like many others, fraudulent account as I have not opened, used, nor benefited from this account opened through Austin Capital Bank SSB. i have never even heard of this orginization, let alone opened anything with them. Unfortunately, my personal identifying information such as, (Social Security Card, ID, Wallet, etc.) was stolen from me years back, and i have been dealing with the ramifications ever since. I have shbmitted this form as proof of my identity being compromised and as such, demand this fraudulent account be deleted from ALL CREDIT BUREAUS (Transunion, Experian, Equifax)

    Business Response

    Date: 01/19/2024

    Thank you for forwarding this complaint to us for review.  After our review, we can find no disputes or communication either via the credit bureaus or directly to our office in regard to the account described in this complaint as of January 19,2024. ***** communications regarding the account were sent to the same email address as on this complaint during the life of the loan.  If ****************** believes this account was opened as a result of ID theft, please send correspondence to *************************************************************, **, ***** to investigate further. Please kindly note, a dispute notice must include all supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example: a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information; a police report; a fraud or identity theft affidavit; a court order; or account statements. We cannot accept any dispute via a third-party website. Thank you.

    Customer Answer

    Date: 01/20/2024

    Complaint: 21167978

    I am rejecting this response because: first off, Ive never had any emails to this particular one that I used to file this complaint from these people EVER!!! They are lying. Please show proof of that. Secondly, *** ALREADY SHOWN PROOF AND CORRESPONDENCE IF YOU ACTUALLY CHECKED AND READ MY COMPLAINT  IVE ALREADY ATTACHED  AN IDENTITY THEFT AFFIDAVIT!!! CHECK THE ATTACHED FILES!!! Stop trying to scam and run away saying you cant do disputes via 3rd party??? THIS IS A GOVERNMENT RUN FORUM!!!! You cant lie and scam your way out of this. Handle my complaint here.! *** ATTACHED THE AFFIDAVIT AGAIN JUST SO YOU CANT LIE ABOUT RECEIVING CORRESPONDENCE!!! 

    Regards,

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

    Business Response

    Date: 01/22/2024

    Thank you for your reply. We can confirm email notifications have been sent to the email address on file during the life of the loan.  We take ID theft very seriously. We do not accept any disputes via a third-party resource and as of January 22, ****, have received no disputes either to our office or via the credit bureaus. If ***************** believes this account was opened as a result of ID theft, please send correspondence to ************************************************************, **, ***** to investigate further. Please kindly note, a dispute notice must include all supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example: a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information; a police report; a fraud or identity theft affidavit; a court order; or account statements.

  • Initial Complaint

    Date:01/17/2024

    Type:Billing 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 AUSTIN CAPITAL BANK SSB. I do not have a contract with this collection agency. They did not provide me with original contract as requested. This company is reporting against FCRA law, meaning it must be 100% accurate. This is the same account reporting inaccurately. Please delete this account.

    Business Response

    Date: 01/17/2024

    Thank you for forwarding this complaint to us for review.  We have reviewed the complaint and find we are in receipt of three disputes via the credit bureaus from October 2023 through January 17, ****. We have conducted a complete investigation into each dispute and provided the results back within the required time frame.  Please kindly note,we are not a collection agency, nor have we attempted to collect any debt.  As of January 17, ****, we have not received a direct dispute to our office.  If ************* is disputing a specific item, please send correspondence to *************************************, Austin, **, 78757.  A dispute notice must include all supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example: a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information; a police report; a fraud or identity theft affidavit; a court order; or account statements. We cannot accept any dispute via a third-party website. Thank you.  

    Customer Answer

    Date: 01/18/2024

    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.

    Regards,

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

  • Initial Complaint

    Date:01/17/2024

    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 not liable for this debt with AUSTIN CAPITAL BANK SSB. I did not sign a contract with this company. I asked this company to provide original documents that I sign and they failed to do so.

    Business Response

    Date: 01/17/2024

    Thank you for forwarding this complaint to us for review.  After our review, we find one dispute in October 2023. We responded within the required time frame advising ********************** of the next steps in order to investigate further. As of January 17, ****, we have received no further communication.  Please kindly note, we are not debt collectors, nor are we attempting to collect any debt. If ********************** believes this account was opened as a result of ID theft please send correspondence to *************************************************************, **, 78757.  A dispute notice must include all supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example: a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information; a police report; a fraud or identity theft affidavit; a court order; or account statements. We cannot accept any dispute via a third-party website. Thank you.

  • Initial Complaint

    Date:01/10/2024

    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.
    Im not liable for this debt with AUSTIN CAPITAL BANK SSB. I do not have a contract them. They did not provide me with the original contract as requested.

    Business Response

    Date: 01/11/2024

    Thank you for forwarding this complaint to us for review.  After our review, we find we are in receipt of one dispute via the credit bureaus.  We conducted a complete investigation into the dispute and have provided the results back via the credit bureaus within the required timeframe. Please kindly note, we are not debt collectors, nor are we attempting to collect a debt. As of January 11, ****, we have not received a dispute to our office. If you are disputing a specific item, please send dispute correspondence to *************************************************************, **, *****. Please kindly note, a dispute notice must include all supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example: a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information; a police report; a fraud or identity theft affidavit; a court order; or account statements. We cannot accept any dispute via a third-party website. Thank you.

  • Initial Complaint

    Date:01/03/2024

    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 Austin ************ and Credit Strong regarding misleading practices and mishandling of my personal information, resulting in severe financial repercussions.Austin ************, through its subsidiary Credit Strong, misrepresented their product's terms, leading to detrimental consequences. I engaged with Credit Strong under the impression of a credit-building tool, only to discover undisclosed loan application requirements. *************** information was utilized without explicit consent for a loan application, causing financial distress.Moreover, Austin ************ used my personal data as collateral without my informed consent, leading to adverse credit impacts. These actions violate consumer privacy regulations and have caused significant financial harm.I request immediate rectification of these misrepresentations, clear disclosure of terms for future transactions involving personal information, and compensation for the damages incurred.

    Business Response

    Date: 01/03/2024

    Thank you for forwarding this complaint to us for review.  After our review, we find that that we are in receipt of three disputes in December 2023 via the credit bureaus for the Credit Strong account.A complete investigation commenced, and the results of the investigation were provided back within the required time frame. The loan contract provides the APR, finance charge, terms, amount of payments, and when payments are due on page one of the loan contract. This loan contract was digitally signed by the ****************************************************** Bank provides the consumer privacy notice as required under 6802(a) as implemented by Regulation P. The notice can be found on pages 3-4 of the loan disclosures.  An opt-out is not offered as the sharing of nonpublic personal information (i.e., negative information) with nonaffiliated third party is specifically exempted under 6802(e) pursuant to the requirement to report accurately under the Fair Credit Reporting Act. Further, as required under FCRA 623(a)(7), a notice of the furnishing of negative information is provided to consumers as part of the documentation package which must be agreed to prior to the opening of an account or origination of a loan.  The disclosure can be found on page 10 of the loan disclosures. We also provide notice via email when an account is 1, 10, 15, 28, and 30 days past due. A Credit Strong account is a secured consumer installment loan, the category cannot be changed. We are required by federal regulation to report accurately and cannot remove any factual information that has occurred.  Thank you.

  • Initial Complaint

    Date:01/02/2024

    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 not liable for this debt with Austin capital .I was incarcerated when account was open.this account has cause pain and suffering I ask that this account be removed from my credit file asap thank u

    Business Response

    Date: 01/03/2024

    Thank you for sending this complaint to us for review. After our review, we are in receipt of **************************************************************** regards to this Credit Strong account. We conducted a complete investigation into each dispute and provided the results back within the required time frame.We cannot discuss the specifics of our investigation via third party websites.

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