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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
01/09/2025
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I was in the bank to day to take care of a debt and see why the over draft occurred .because when I check my records it all shows checks returned paid . she claim system was down at first .then she say they was working but seem to have problems telling me the truth.so after all that I asked to notarize documents and she says it only for customers with accounts at that bank.refusing me service. overdraft of 155.50 I'm asking bank to clear
Business response
01/22/2025
Please see the attached response.Business response
01/23/2025
*** ******, We are in receipt of your recent communication to the BBB and appreciate the opportunity to respond. We understand you would like additional information regarding your closed account. We have investigated the situation and provide the following detail. Our records show that you overdrew you account in the amount of $155.70. Included in the transactions that overdrew your account was a check you deposited, drawn from a **** ******* ****** ***** for $99 that was retuned on 8/3/2023 for the reason “unable to locate account”. You did not bring your account current within 120 days and as a result the account was charged off and closed on 8/31/2023. The final balance of -$155.70 was referred to our collections department. To clarify, the $155.70 represents the amount you overdrew the account, including a $12 returned deposited item fee and does not include any overdraft fees. Our review shows that your account was handled consistently with your account terms and conditions. We hope this information provides clarity to your situation. Please let us know if you have any other questions or concerns. Sincerely, Compliance Department Republic Bank and Trust CompanyInitial Complaint
12/30/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Having a debit card problem. I called in and it was over 700 dollars yesterday, and today is now 100. This comes back to a dispute I had with spectrum and then it seems they presented the 691 back to them. I called them to ask about it but none of it made any sense.Business response
01/10/2025
Please see the attached response.Initial Complaint
10/28/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I'm not liable for the debt with REPUBLIC BANK TRUST CO. I do not have a contract with *** MANAGEMENT SERVICE. They didn't provide me the original contract as requested.Business response
11/06/2024
Please see the attached response.Business response
11/07/2024
RE: BBB Complaint No. ********; *********** ******* *** ********, We are in receipt of the above-referenced complaint and appreciate the opportunity to respond. As we understand it, *** ******* is claiming that he is not liable for a debt originated with Republic Bank & Trust Company (“Republic Bank”), and requests the information be removed from his credit report. ******* is a revolving line of credit product offered by Republic Bank. We received and approved *** *******’s application for an ******* line of credit account on 7/17/2018 and a Credit Limit of $2,500.00 was assigned. The account exceeded 60 days past due and charged off with a balance of $2,935.00 on 10/17/2018. The debt was subsequently sold to *** Management Services, Inc. (“***”) on 11/21/2018. During the application process, *** ******* acknowledged his acceptance of the ******* Credit Agreement and Terms and Conditions (“Agreement”), which was a condition of account opening. Section 4, Paragraph 18 of this Agreement, titled “Transfer of Rights” explains that we may assign or transfer this account to another person or entity without notice or consent from the customer. We called and spoke with *** ******* on 11/01/2024 and explained that though Republic Bank is the original lender in relation to this line of credit, *** is the current owner of the account. We have reported the account history to *******, but none of the other major credit bureaus. We encourage *** ******* to address any additional questions or concerns directly with ***. They may be reached by phone at **************. Sincerely, Compliance Department Republic Bank and Trust CompanyInitial Complaint
09/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
****** Prepaid have a block on my car for no reason they have done this several times before and have taken extra five dollars for overdraft. They have at replace the five dollars but this time they just keep my whole check and put a block on the whole card they asked me to verify with ID. I’ve done that on three occasions and they still continue to have a block on my card. I’ve answered security questions and they were correct. I gave them my card number. I gave them my Social Security number and continuously have a block on my car. My bills are due and I can’t take care of my responsibility because I feel they doing something fraudulently with my account. I’ve called them repeatedly asked to speak to a supervisor. They get hostile and irritates me because no one will put a supervisor on the line or give me a number to which I can talk to someone to file a complaint about the transactions that’s going on. They can’t tell me what fraudulent Caused the block but yet and still they’re keeping me from taking care of my rent. I get disability I am disabled therefore I am limited to what I can and cannot do or deal with, and they have stressed me to the limit.Business response
10/07/2024
Please see the attached response.Initial Complaint
09/25/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have an account and a ****** debit card and money has been going missing from my account. When I call customer service they are unable to explain to me where my money has gone and they have locked me out of the app so I am unable to see the charges.Business response
10/07/2024
Please see the attached response.Initial Complaint
09/04/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
Please see attached
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*****************************************************Business response
09/13/2024
Please see the attached response.Initial Complaint
07/09/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have 3 hard inquiries now because I applied for a loan and was denied for unacceptable reason. I was told I would get an email as to why I was denied. the SOLE reason I was denied was "Unable to verify my employer". I got this info instantly. My application didnt ask for specific employer information either. Wouldnt you think if any further info was needed they would contact my employer or take steps to find out or verify? NOPE. I got an instant denial for this reason, i called and the gentleman asked me questions and stated it matched exactly what my bank account reflected and he wasnt sure why i was denied for this reason. Told me to call the numbers on the email. THAT ISNT RIGHT. My employer info is correct. Im requesting that my employer get "verified" by another means if you want to use this reason as the sole reason to deny me and a hit to my credit, You guys didnt even take steps to verify, that is not fair,Business response
07/22/2024
Please see the attached response.Initial Complaint
06/26/2024
- Complaint Type:
- Delivery Issues
- Status:
- Answered
on 4/22/24 republic bank received my refund it apparently declined the direct deposit due to a error with the system. They have re attempted to mail it 3 times its taken a total of 67 days. Ive been tol today the 4th time it was returned. I asked for one day shipping they just keep telling me its a post office error and not them. 100000% unacceptable should be penalized for holding my tax refund for two months.Business response
07/02/2024
Please see the attached response.Initial Complaint
06/10/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I tried to close my bank account on June 3rd, paying the negative balance. They said they would. Account is still open, and they are charging me overdraft fees for each withdrawal still. I called the dispute department this morning to freeze my account (though it should have been closed). They would not do it for me.Business response
06/25/2024
Please see the attached response.Customer response
06/26/2024
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.
Sincerely,
***** **********If you are interested in supporting the BBB's free services, please consider giving to BBB's Consumer Education Fund, which provides other services to the community, like Charity Review, Identity Theft Seminars, Free Shred/Recycle Events, Senior Citizen programs, High School and College Programs, and providing information at local community events. Donations can be sent via Venmo to @bbbcefky or mail your donation to BBB Consumer Education Fund, 13104 Eastpoint Park Blvd., Louisville, KY 40223. For more information on these programs, call 800-388-2222. Thank you for your consideration.Initial Complaint
06/03/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
Republic Bank and Trust account #******, Loan #****** is an identity theft account. This account was opened without my knowledge or permission. I have had zero contact with Republic Bank and Trust, if they have sent any correspondence to me, I **** ***** did not receive it. If any correspondence has been answered, it was not by me **** *****, but by the person that committed the identity theft. My information was used by my then now ex-wife without my knowledge or permission, she had access to all my personal data as she took care of all the bills and taxes. The phone number and email addresses used are hers, she also lied about the cost of rent on the application. I would like a copy of any/all correspondence between Republic Bank and Trust and my ex posing as me, especially any correspondence within the past two (2) years. I have also filed an identity theft report with the DOJ website, CFPB and now the BBB. I would like some answers. The "Final Response" from the FDIC I have not received that from Republic Bank and Trust, I suspect it was sent to the identity theft.Business response
06/13/2024
Please see the attached response.Customer response
06/14/2024
Complaint: ********
I am rejecting this response because: I never stated they were affiliated with any of the other identity theft accounts listed on the DOJ Identity theft report. I sent the entire report, that how it saves as a PDF. I also sent them a photo of my VALID US GOVERNMENT ISSUED PASSPORT (attached).
Sincerely,
**** *****Business response
06/21/2024
Please see the attached response.Customer response
06/30/2024
Complaint: ********
I am rejecting this response because: All the businesses listed on the identity theft report are extremely untrustworthy and withhold evidence. I will be printing all the communication from Republic Bank/Elastic, original application and transaction list. As well as all the information/communications with the other identity theft accounts listed on the identity theft report and sending them to the FBI office in Kansas City for an investigation, since the local sheriff's office refuses to investigate because the accounts started in FL.
Sincerely,
**** *****
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Contact Information
Customer Complaints Summary
60 total complaints in the last 3 years.
20 complaints closed in the last 12 months.
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