ComplaintsforTexas Capital Bank, N.A.
Bank
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Complaint Details
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Initial Complaint
05/31/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing urgently to address errors on my credit report caused by the sharing of my personal information with credit bureaus, which has resulted in significant financial and emotional distress.According to 15 USC 1681 Section 602, I have the right to financial privacy and expect my information to remain confidential.Additionally, per 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot disclose account details without my explicit consent, which I have not provided.The discrepancies associated with AUSTIN ******************** BANK SS have negatively affected my financial situation and require immediate correction.Furthermore, compliance with 15 USC 1666(b) is crucial, as it prohibits creditors from treating credit card payments as late under specific conditions.For your reference, here are my account details:Account Number: *********I request a thorough review of my account, prompt correction of the credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.Sincerely,*************************Business response
06/17/2024
Thank you for bringing this issue to our attention, we have received the complaint regarding the above referenced matter. In order to protect our customers privacy, we have provided a response letter to the customer on MM/DD/year. Please let us know if you need if you need any additional information.Initial Complaint
05/24/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I went online to apply for a high yield savings account and was told that my account was denied with absolutely no reasoning (despite my credit score being excellent and having an plenty of funds to transfer into the account). I contacted the bank as well as their online support and was told that they have no reason for the denial. In addition, was told that I would have to wait 30 days to re-apply for the savings account that they had advertised. This customer service is a disgrace to the banking industry and is uncalled for. I understand that they have the right to deny someone, but the fact that they can deny you without a reason is unbelievable!Business response
07/01/2024
Thank you for bringing this issue to our attention, we have received the complaint regarding the above referenced matter. In order to protect our customers privacy, we have provided a response letter to the customer on 7/1/2024. Please let us know if you need if you need any additional information.Customer response
07/02/2024
I am rejecting this response because I never received an email from the bank on 5/24 and I would like proof of that response. In addition, they state that they are unable to open an account based on criteria, but they did not provide a clear response as to why. I would also like a reason as to why I was denied an account that is directly related to my creditworthiness. If they cannot provide proof that I personally was denied the account based on my own creditworthiness, then I feel that they have falsely marketed an account that they do not intend to provide to people who can afford to maintain a balance that requires them to deliver what they are advertising.Business response
07/05/2024
In order to protect our customers privacy, we have provided a response letter to the customer on 7/5/24. Please let us know if you need if you need any additional information.Customer response
07/11/2024
I am rejecting this response because the document provided was never sent or received and does not prove that it was emailed at the time of rejection. I would like a copy of my online request showing all of the information that I provided to see what errors they are referring to.Initial Complaint
03/23/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I sold my car on Thursday 3/14/24. I deposited my bank draft check from CarMax for ********* into my new Texas Capital checking account. They put a 9 day hold on it which was expected. The following Friday (3/22/24) comes along and I log in to discover my account frozen and my check from CarMax processed and available. (As expected) So Ive tried to call the number they said to call numerous times interacting with nasty employees who cant seem to reach anyone in fraud but will repeatedly tell you they are gonna put a ticket in? I need those funds and they arent moving with urgency at all. At this point, I dont wanna deal with this institution I just want to close my account and receive my cashiers check. The run around they are giving me is so unprofessional. I have yet to hear from their fraud department so it makes me wonder if this company is fraud itself. I will not recommend this bank to anyone based off my experience with them. I called again today, 3/23/24. I speak with a rep who once again says shell submit my information and someone SHOULD reach out on Monday. SHOULD but not a guarantee. It takes 5 days for this company to do something that can be handled in 5 minutes, literally. How unprofessional can this company be? I demand someone reach out to me ASAP so we can resolve this matter, close my account and I can be done with Texas Capital Bank.Business response
04/09/2024
Thank you for bringing this issue to our attention, we have received the complaint regarding the above referenced matter. In order to protect our customers privacy, we have provided a response letter to the customer on 03/23/2024. Please let us know if you need if you need any additional information.Initial Complaint
08/10/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
Bank denied my application for thousands reasons which it dont make sense i input everything correctly and I dont have a way go to the branch . The bank hasnt provided any evidence or didnt ask for proof of income or ID from meBusiness response
08/23/2023
On 8/10/2023, The customer applied for a ********************************************* Bank Star Plus Checking account and the application was rejected due to the information provided. The customer was provided with an email indicating the possible reasons the account could not be opened on the same day (SEE BELOW). Texas Capital Bank encourages all customers to re-apply in 30 days after an original application.
Texas Capital Bask uses multiple third-party verification services to authenticate the identity and banking history of applicants. This helps Bask remain compliant with federal regulations while protecting the identities and assets of its customers. Although were unable to provide specific details regarding the decision of your application, below are some common reasons applications may not be approved:
Your application may have contained an error or typo.
The information provided could not be verified as your information.
Your application was submitted from outside of *****************.
Multiple applications were submitted with inconsistent information.
Documents submitted were unreadable or expired.Customer response
08/23/2023
I am rejecting this response because:
I type everything correctly
I live in *************
do yall use Chexsystems? If you do please cancel my application my credit is bad with this company
Business response
08/23/2023
The customer was encouraged to reapply in 30 days.Initial Complaint
08/29/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I was Charged of interest instead paying over amount for which they have no explanation, I ask several time the representative how much you want me to pay to stop this interest charges on my account for which she have no answer, I ask if make my balance $0.00 will it make stop charging interest on that she didn't want answer.Business response
11/02/2022
Business Response /* (1000, 5, 2022/09/08) */ We have reviewed the details of the complaint and have completed a thorough search of our internal records. We were not able to locate this account. We are sorry that we are unable to assist the consumer with this issue. We will conduct a further search if additional information is provided to aid in identifying the account.Initial Complaint
08/11/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
-Deposited $62, 480 from my American Express Savings and Patelco Credit Unnion checking accountinto **** Bank High Interest Savings July 18-July 21 -**** Bank "disabled" my account July 22 without any notification in writing, electronically over the phone -My account was magically reenable for about 24 hours July 27h- I moved $59,000 back to my American Express Account -**** "disabled" my account again on July 28th, again without any notifcation or explanation -On July 26th, I disputed the amount **** is still holding, a transfer of $3040 I made on July 21st from my Patelco Credit Union and the money has been temporarily added to my account -****, a subsidiary of Texas Captial Bank, has still not provided any written or electronic communication -I called **** multiple times only to be told Customer Service can't help; I have to wait for a call from their "internal team" -Heather from Texas Captial Bank's Fraud Department has left me two voicemails; I've returned her calls multiple times and I always get her voicemail -I called Texas Capital Bank's customer service line, and of course, I had to leave a message; no live agents -Texas Capital Bank and **** are somehow FDIC approved, but they should not be allowed to operate; this is a scam -I have filed a complaint with the FDIC and the Consumer Protection Agency of CABusiness response
10/05/2022
Business Response /* (1000, 5, 2022/08/19) */ The complaint concerned the suspension of online banking access for the customer's account with **** Bank. We have reviewed the details of the complaint and completed our research into this account. Our findings were as follows: A fraud case was initially created on 7/21/2022. The fraud review was concluded and the fraud hold was removed, enabling online backing. The initial fraud case was resolved on 7/26/2022. During this time Client support was assisting with calls and left the customer a brief voicemail. On 7/29/2022, the fraud case was re-opened, a fraud hold was placed and on-line banking disabled. On 7/29/2022, the Investigator attempted to contact the client but was unsuccessful. A voicemail was left to the number on file. On 7/30/2022, the Investigator received a return call/message from the customer, expressing a desire to close the account and have the remaining $3,040 returned to the originating bank account. On 7/30/2022, the Investigator attempted to call the customer bank but was unsuccessful and left a voicemail. On 8/4/2022, the Investigator attempted to call the customer back but was unsuccessful and left a voicemail. On 8/17/2022, the originating bank confirmed that a credit was received on 07/26/2022, in the amount of $3,040.00 that was a return from **** Bank. The customer has had use of these funds since 07/26/2022.Initial Complaint
06/27/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I recently opened an account with Bask Bank, who's parent company is Texas Capitol Bank. I cannot log into my account and have contacted both Bask Bank (on 6/22, 6/23, 6/27) and Texas Capitol (on 6/23). No one answers the phone at Bask Bank and no one returned my request for a call back though the phone system nor answered my email requesting someone contact me. I talked with a customer rep at Texas Capitol on 6/23 and was told someone would contact me to resolve the problem but no one has called me to help me access my account.Business response
08/10/2022
Business Response /* (1000, 5, 2022/07/05) */ Bask Bank Customer Support contacted the customer by phone. The customer complained of being unable to login to the account. The customer was locked out of online banking because, when a user enters a password incorrectly 3 times, the account will lock up. Customer support worked with the customer to resolve the issue.
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Contact Information
Customer Complaints Summary
7 total complaints in the last 3 years.
3 complaints closed in the last 12 months.