ComplaintsforInternational Bank of Commerce

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Initial Complaint
05/15/2024
Complaint Type:
Billing Issues
Status:
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.
On 05/06/2024 IBC Bank charged me $35.00 NSF Fee for a Force Pay Debit I did not authorize of $36.44 that posted 05/06/2024. Uploaded is a screenshot of my online banking showing the fee, Force Pay Debit while pending & posted. I noticed the *********** Pay Debit was pending but which was an internal transfer to my other checking account. After seeing the pending transaction I deposited $105.00 into my account to ensure my accounts were not in the negative at approximately 1:00 PM on 05/05/2024 which posted 05/06/2024 and was available 05/05/2024. Without the transfer signed off per slip in Force Pay Debit By ******************************* of $36.44 and the $35.00 my account would not have been negative at all it would've been at $0.00. I transfer $26.45 into my other checking account leaving it at $0.00. I don't know why they would've done that since my other account had plenty of funds as well. IBC does not charge a fee when I do transfer in my online nor does it allow you to transfer more than is available. The only pending transactions on my account were the transfer one of which I did not authorize which caused an unnecessary ************* to be overdrawn. I was going to transfer the money back but since I was near by I deposited the cash. I have also been told by IBC that if deposit prior to 5:00 PM you would not accrue a fee. Although I did not authorize the transfer. I've gone to the branch and the associate there informed me after calling another department for help, the fee was from the Force Pay Debit I did not authorize to cover a pending transaction which was the Force Pay Debit. I advised him that didn't make sense, I did not authorize it, I deposited the $105.00 same day at 1:00PM & assumed it was a glitch with the online banking. He said he would submit a *********** have not been refunded in 5 business days. This is a bank error that they cannot explain and I have no response since my complaint of this bank error. I seek a refund of my $35.00 due this bank error.
Business response
05/28/2024
Please see attached letter for IBC's response.
Thank you,
***************************
Initial Complaint
02/06/2024
Complaint Type:
Billing Issues
Status:
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.
This is regarding the *** refund of $****** plus the lost funds in my account ($6888). Would like to resolve this immediately please. Please send to my account:****** Bank Account # - **************** Routing # - *********** CHECKING From:************************************ To:********************** Cc:******************************************* Hi ****, In addition to my previous email I would recommend that you can request the bank to try tracing the refund with the transaction reference number (***********************). If they are unable to find that refund transaction, you can request them shared a letter on their letter head stating that a refund of ****** USD against the aforementioned transaction reference number has not been credited yet. So, that I can investigate further my internal team to work on refund request. If you have any questions, please reply to this email. Thanks ***************************** Global Traveler Resolutions Team
Business response
02/08/2024
Attached please find IBC's response.
Thank you
Customer response
02/08/2024
Complaint: 21254328

I am rejecting this response because: it is not complete and the resolution is not met yet.
Also need complete e-mail address of the *** contact person and phone number. Thank you

Regards,

*****************************
Business response
02/08/2024
If customer wishes to contact IBC, he can reach out to ***********************, ******************* or at *********************** as indicated in the response letter sent in August of 2023.
Initial Complaint
01/31/2024
Complaint Type:
Billing Issues
Status:
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.
01/12/24 C/o YOLLIS L *********/*************************. EXPLOITATION: IBC BANK ********************************************************* ; TRANSACTION $162.38 DEBIT TO ******* OF A CELL PHONE THAT I CANCELLED THE PAYMENT METHOD OF THE ONLINE ORDER PURCHASE. IN EVER RECIEVED THE ****** WHAT PHONE I RECIEVED WAS ONLINE PURCHAS3 ON 11/14/24 ******* $324. PLUS INSURANCE OF $8.66.
Business response
02/05/2024
Attached please find IBC's response letter.
Thank you
Initial Complaint
01/11/2024
Complaint Type:
Product Issues
Status:
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.
I used my IBC Bank ATM card to purchase a plane ticket for my mother on August 31, 2023 The airline overbooked the flight and she was denied boarding for an unreasonable and false reason. I disputed the charge the following day and was issued a provisional credit. About a week later I was asked to send in proof of my claim which I did via mail. At the beginning of December I was charged back the entire amount. Upon calling the bank I was told that they never received the documents. I was asked to fax them instead. I went to the IBC bank branch on ************* in ******* and they faxed the documents to the dispute department. Now in January I was notified by mail that they made the charge permanent because of not having received any documentation. I am out of ideas on how to help them finding my documents
Business response
01/24/2024
Attached please find IBC's response.

Thank you,
***************************
Customer response
01/31/2024
Complaint: 21121288

I am rejecting this response because:
I sent all documents in twice, the bank would not confirm receipt...

Regards,

***********************
Business response
01/31/2024
As explained in our response, the merchant advised the credit for the transaction in question is available for ******************** use directly through the merchant. Even if the documents would have been received timely, the outcome of the investigation would not have changed. We recommend **************** reach out directly to the merchant for use of his credit.
Customer response
02/01/2024
Complaint: 21121288

I am rejecting this response because:
Although the merchant claims that the original ticket is still valid, the credit they mention is less that 50% of the original cost, Only solution is a full refund since I did not do anything wrong to have to pay for the airlines decision not to transport the holder of the ticket. If they which I will pursue the legal way involving the merchant, the travel agency and the bank (for failing to protect my card) instead making this very expensive for all parties involved.
Regards,

***********************
Initial Complaint
01/02/2024
Complaint Type:
Billing Issues
Status:
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.
I opened a totally free checking account with this bank while working in ***********. I have made several deposits to this account an the bank received them and they did not apply then to the account. I have contacted them many times, but its to no avail. These agents over the phone are very rude and disrespectful. hey hanged up on me twice. I asked for a manager who was very belligerent and abrasive. She refuse to look into the matter and asked me to go to a bank that is 50 miles away from my home. They al s charged me fees several times which I questioned when the account is a free checking. this is theft I have asked them to refund the fees, but they have not. I went to the bank a few weeks ago and the agent told me I was charged fees monthly because mailed was return to me which is false I have all the statements that they have sent me. I told her that they are lying. I asked her where are the deposits she could not answer and where is the refund of the fees. She told me that the account had a balance of $12.00. I told her that I need to close the account and she indicated that the account will be closed after they investigate the matter. Its just about the lies those people utter from their mouths. I have the states and I am being charged for returned mail. They need to give me $65.00
Business response
01/29/2024
Attached please find IBC's response.
Thank you,
***************************
Customer response
01/30/2024
Complaint: 21069673

I am rejecting this response because: they lied to me and there was no returned mail because I have all the statements that they sent to . Me those people at this bank are full of it. They know exactly what they are doing, stealing from customers. They said they did not receive my deposit but they cashed each check. They are full of lies

Regards,

****** *****
Business response
01/31/2024
IBC has addressed ****************** initial complaint regarding fees assessed. The check with the reimbursement is in the mail to him. If there are additional concerns or questions not mentioned in the initial complaint, he can contact IBC directly as specified in our response.

Customer response
02/01/2024
Complaint: 21069673

I am rejecting this response because:
The never sent any checks and they lie too much
Regards,that is very sad for a financial institution

****** *****
Business response
04/29/2024
The *** cashier's check cleared our *** account on 4/15/2024. Check appears to be negotiated by ****** *****.
Customer response
04/30/2024
Complaint: 21069673

I am rejecting this response because: They still owe me . They have a balance of $75 that they still need to refund immediately., they stole the money from my checking account. I need them to send the $75

Regards,

****** *****
Business response
05/08/2024
IBC has already responded to ****************** inquiry, mailed him a check for the amount requested to be refunded. and check has been negotiated by **************. At this time IBC finds this matter closed.
Initial Complaint
10/04/2023
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
LOAN #********* Good morning IN THE APPLICATION IT APPEARS THAT MY LOAN WAS ESTABLISHED AT 742 MONTHS, I BELIEVE THERE IS AN ERROR...............In reference to my loan that has had changes and I had help from Home Owners assistance and An imbalance was made, all the money was applied to pay Taxes for two years and because of that an error was made and now I need an escalation to see how the funds were applied and fix the situation that has been going on for months ASKING FOR YOUR ATTENTION. SEND A SCREEN SHOT...I would be very grateful if someone who could clarify this situation could contact me I thank you in advance for your help and interest in my question.AND I RECIVE CALL FROM THE **** AND ASK FOR **** DLLS FOR FIX ********* AND CORRECTED AND NO TRUE .PLEASE I NEED HELP I HAVE RECORDED THE CONVERSATION WHERE HE TOLD ME PAY TO **** **** AND ********** BE SETTLED AND IT WAS NO LIKE THAT
Business response
10/27/2023
Attached please find IBC's response.
Thank you.
Customer response
10/27/2023
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.

Regards,

*******************************
Initial Complaint
06/07/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Ive battled for reasons to get the issue of past debt with IBC resolved. Ive provided as much documentation as I possibly can yet Im accused of being untruthful and committing fraud! Ive gone back as far as I can in email but it does not go back as far as **** so that I can provide more proof of their inaccuracies and their lack of responsibility. I dont have mail from 10 or more years ago to provide any more info than I already have. What Ive provided should be sufficient enough. Yet accusations still arise after *** provided what I can.
Customer response
06/08/2023
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.

Regards,

******* And ***************************
Initial Complaint
05/01/2023
Complaint Type:
Billing Issues
Status:
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.
I was told that by opening an account with ********************** i would be able to deposit checks and instantly get my money on the app Today 4/28/23 I deposited my check on the app and I received a message stating that my check will be hold until 5/4/2023 I called IBC to reverse my check and cancel so i can go cash it at a local store. And they refused to help me. I requested a call back and didnt receive one. I want either my check cashed or reversed. Times are hard and i need my money now not next week.
Business response
05/15/2023
Attached please find IBC's response.
Thank you,
***************************
Customer response
05/19/2023
Complaint: 19996292

I am rejecting this response because: it was an inconvenience for me. I had to borrow money, I felt behind on my payments and had to pay late fees. A simple sorry wont resolve this.

Regards,

*********************
Initial Complaint
04/27/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
My account has been flagged for fraud for over 10 mill dollars I dont know how that happened or how that was possible Ive already spoken to the bank and even filed a police report I just want my account to be fixed and not go in my credit repair
Business response
07/07/2023
Attached is IBC's response.

Thank you
***************************
Customer response
07/07/2023
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.

Regards,

*************************
Initial Complaint
02/27/2023
Complaint Type:
Service or Repair Issues
Status:
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.
I'VE BEEN WITH THIS BANK FOR ALMOST 3 YEARS NOW. I HAD SO MANY ISSUES, AS OF 02/25/23 MY CHILD SAVINGS WERE CLOSED WITHOUT A NOTICE, A CALL OR ANYTHING. ALSO I HAD AMNY ISSUES WITH MY DEBIT ****S. ON 02/24/23 I WENT TO A LOCAL BRANCH TO GET A NEW DEBIT **** BECAUSE MINE WAS STOLE WHEN SOMEONE BROKE INTO MY HOUSE. THIS NEW DEBIT **** I USED TO PAY MY BILLS AND AFTER THAT IT WAS BLOCKED. I TRIED RENTING A U-HAUL AND IT DID NOT TAKE, I TRIED GETTING AN UBER DID NOT WORK, I TRIED BUYING FOOD AND IT GET DECLINE, EVEN AT THE *** IT SAID TO CONTACT THE ***** TODAY I NOTICED MY CHILD SAVING WAS NOT SHOWIN. I WENT INTO A BRANCH TO GET A NEW DEBIT **** AND ALSO TO SPEAK ABOUT MY ACCOUNT. WELL ALL I GOT WAS THAT WHOEVER CLOSED IT DID NOT LEAVE A NOTE TO EXPLAINED WHY. ****** WAS THE NAME OF THE ***** HELPING ME SAYING SHE SAW A LETTER THAT I WAS SENT OUT YESTERDAY BUT DID NOT KNOW THE REASON OF THE CLOSING OF THE ACCOUNT AND COULDN SHOW ME THE LETTER NOR TELLING ME WHAT IT SAID. ONCE I LEFT TRYING TO MAKE A PAYMENT THE **** WAS BLOCKED AGAIN. THE GENERAL MANAGER SAID SHE COULDN'T DO ANYTHING ABOUT IT AND WAS VERY RUDE HER BRANVH WAS AT ******* I BELIEVE.
Business response
03/14/2023
Attached please find IBC's response letter.

Thank you,
***************************

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