Complaints

• Initial Complaint

  07/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was never liable for this debt with ******** ******* ****, which recently changed its name to SouthState Bank, N.A, I do not have a contract with ******** ******* ****, which recently changed its name to SouthState Bank, N.A, they did not provide me with the original contract as I requested. All the information on the report is inaccurate.

  Business response

  07/12/2024

  This complaint pertains to an account financed by the Bank but offered through **** *********, Inc.

  Please forward to **** for investigation and resolution.

• Initial Complaint

  05/24/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The bank’s website offers a promotional deposit within two business days of the completion of the qualifying activities. The qualifying activities must be completed within 60 days. Now they are stating I have to wait 60 days for the bonus to be paid even though that’s not a requirement of the qualifying activities.

  Business response

  05/30/2024

  Dear Katelan P****,
  
  On May 24, 2024, SouthState Bank, N.A. (“the Bank”) received your complaint filed with the Better Business Bureau (BBB) regarding the Bank’s $200 bonus promotional offer for eligible new customers. You believe you met the promotion’s qualification requirements and should be paid the bonus. The Bank takes seriously its obligation to fully investigate complaints. Please accept this letter as our response.
  Research into your complaint revealed you opened a checking account online on May 5, 2024, and entered the $200 promotion code “Earn200”. Due to the account being opened on a Sunday, your 60-day promotion qualification period did not begin until the next business day, Monday, May 6, 2024, and will end on Saturday, July 6, 2024.
  The Promotional Bonus Payment section of the Promotional Offer Rules on the Bank’s website states: “If you meet all of the Eligibility and Qualifications above, we will post the $200 bonus to your account within 2 business days of the completion of the 60-calendar day qualifying period.”  We can confirm that you have met the qualification requirements and that your account will be credited the $200 bonus by Wednesday July 9, 2024.
  We trust this response provides clarity to your concerns. If you have any further questions, please reach out to the Bank at 1.800.277.2175.
  Sincerely,
  Justin Smatt
  Complaint Management

  Customer response

  06/18/2024

   I am rejecting this response because:  No where on their list of requirements does it say the account has to remain open for x number of days to be paid the bonus or that the bonus would be paid after a certain number of days. This is not right.
  
  Sincerely,
  Katelan P****

  Business response

  06/25/2024

  Dear Katelan P****,
  
  On June 18, 2024, SouthState Bank, N.A. (“the Bank”) received your communication filed with the Better Business Bureau (BBB) rejecting the Bank’s response to your May 24, 2024, complaint regarding the Bank’s $200 bonus promotional offer for eligible new customers. You allege that the requirement of your deposit account to remain open for 60- calendar days is not on the list of requirements on the Bank’s website. Please accept this letter as our response.
  As explained in the Bank’s May 30, 2024, response, the Promotional Bonus Payment section of the Promotional Offer Rules on the Bank’s website states: “If you meet all of the Eligibility and Qualifications above, we will post the $200 bonus to your account within 2 business days of the completion of the 60-calendar day qualifying period.”  Please refer to page 4 of the enclosed copy of the Bank’s webpage regarding the Earn $200 promotional offer.
  We can confirm that you have met the qualification requirements, that your account will be credited the $200 bonus by Wednesday July 9, 2024, and we consider your concerns addressed.
  Sincerely,
  Justin Smatt
  Complaint Management

  Customer response

  06/25/2024

   I am rejecting this response because: the requirement does not explicitly state the account has to be open for 60 days. The requirement says something has to occur within 60 days and I would be paid in two days after completion of the required. The requirement does not say after 60 days and then after two days one will be paid. It does not take 60 days to determine if I met the requirement if I meet it faster and I had no expectation or requirement to have the account open for 60 days to be paid. 
  

  I guess I’ll have to wait for the the payment on July 9, but this resolves my issue later than expected. It also does not solve the underlying issue that the website has false information and false terms. Other people should be made aware of this and the terms either updated for clarity or the requirement be held to what it says. 
  
  Sincerely,
  Katelan P****

• Initial Complaint

  05/07/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Re: Account ending 2241 On 01/11/2024, my wife, and I opened South State personal checking accounts under a @200.00 promotion. The requirements given me by Salena were highlighted in yellow which were " A $250.00 direct deposit within 90 day's OR a scheduled bill payment on the account, and 15 debit card transactions. MY wife received her bonus on March 12 (account ending 2304. I did not receive mine, as was told I did not do a direct deposit. It was any/or, as above. The bank had a serious data breach on or around 02/06, and for security purposes, as the unknown perpetrators had access to our full SSA numbers, names, account numbers, and emails, we chose to do the bank draft option. As mentioned she received hers, and I met the requirements, as well. All of the bank sites, such as BankRates.Com list the identical criteria to receive the bonus.+

  Customer response

  05/08/2024

  The issue has been resolved.

  Thank you.

• Initial Complaint

  04/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was working to purchase a mobile home in Lakeland Florida. I spoke to the Asst. Manager Val Arter and she about the rate and payment amount. She sent me paper work which I filled out and sent back with a check for processing. She went on vacation and another person Kelly Dolde contacted me about the paperwork and the check I sent. I told her it was to purchase a mobile home. She kept asking about my income and I told her I was currently working and retiring where i would be getting a social security check and small pension. Kelly said she would send to be processed and told me I would get a discount for pre-auth from my acct to get a lower rate on the loan of 7.2% They never sent me a disclosure of what the payment would be so I could review it and found the loan amount went up $200 and the rate was 7.45%. I asked her about this and she stated this was for the home insurance and I had already paid for the year and there was nothing she could do about this and it was required be put on the loan. This was not told to me by phone or email. I could not afford the added payment and stopped the loan and now I will be sued by the seller for breach of contract. If this was told to me up front and spelled out I would not have entered into a contract for the home. I have purchase other homes before and it was always spelled out on the costs for the houses I bought.

  Business response

  04/22/2024

  Dear Annette P*****,
  On April 14, 2024, SouthState Ban*, N.A. (“the Ban*”) received your complaint filed with the Better Business Bureau (BBB), regarding your dissatisfaction with the application process for a manufactured home loan (the “loan”). The Ban* ta*es seriously its obligation to fully investigate complaints. Please accept this letter as our response.
  On March 6, 2024, *elly Dolde, assisted you with your loan application. Review of email communication between you and Ms. Dolde revealed that on March 7, 2024, Ms. Dolde, incorrectly expressed that you would receive a .5% interest rate discount if you set up automatic payments for your loan.  As Ms. Dolde expressed in subsequent email exchanges, the interest rate discount is intended to be .25%.   
  We apologize for this miscommunication and any impact it had on your decision to withdraw your loan application.  On April 19, 2024, Branch Manager, Cory A******, emailed you offering to honor the .5% interest rate discount if you are interested in proceeding with your loan application.   
  Regarding your second concern, a condition of the loan will be to maintain adequate hazard insurance and an escrow account will be established to collect monthly escrow payments to enable the Ban* to pay your annual insurance premium when due.   
  If you would li*e to proceed with the application at the new interest rate or have any questions related to this response, please contact Mrs. A******, via phone at 863.255.2585 or email ca******@**************.com.
  
  Sincerely,
  Justin S****
  Complaint Management

  Customer response

  04/23/2024

  
  Complaint: 21573756
  
  I am rejecting this response because: 

  Good afternoon Regina,
  

  I received a email from Corey A****** from State bank in Lakeland and  it was stated the rate that was given to me was not correct, However Corey A****** did not address the issue where I was not told about the additional amount that was added to the loan regarding insurance. i was told to pay a full year of home insurance and it was never told to me that the loan would also have this additional payment added to my loan. This was not a mortgage and no PMI and therefore I should have the right to pay my insurance the following year on own and if I was going to stay with the current company of shop around to get a better price. The bank reached out and offered me 1/2 per cent rate of 7.2  which was not still not what was I was asking about. Now with that being said I had to back out of the loan and I lost money on this purchase of the home. I also may be getting sued by the sellers due to the neglect of the officer of the bank by not disclosing the additional amount that was added to the loan. Also I feel they should refund me the fee of $365 plus the fee for the home inspection $350 that I paid, I have forward  the email from the bank and  I was very disappointed in the way this bank has handled the loan,

  Thank you for your time in hearing  my issue.

  
  Sincerely,
  Annette P*****

• Initial Complaint

  04/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to address the distressing discovery that you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions. Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred. Please rectify this matter promptly. My account number is CBA00000000015785078

  Business response

  04/08/2024

  This complaint pertains to an account financed by the Bank but offered through Self Financial, Inc. Please forward to Self for investigation and resolution.  Thank you.

• Initial Complaint

  03/21/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  South State Bank approved a home equity loan for my husband and I which we use for emergency purposes. Although we are seniors we are working and did not wish to draw from our retirement accounts due to increased tax liability. We requested an automatic payment to this account from day 1. We used an online request form, followed up by monthly calls. Despite assuring us automatic payments were processed and any adverse credit reporting would be eradicated, my credit report shows an over thirty day payment lapse and decreased my credit score by 22 points. The online number I called for South State says they contacted the banks credit unit and they say they can’t find it. They also reported being unable to give me a name of the manager of that department.so that I might follow up. I want the bank to correct their inaccurate and likely automatic reported error. I would like confirmation from a person , not an email or another computer form or blind email address. We are seniors and not particularly computer savvy.

  Business response

  03/28/2024

  Patricia H******
  
  March 28, 2024
  
  Dear Patricia H******,
  
  On March 21, 2024, South State Bank, N.A. (“the Bank”) received your complaint filed with the Better Business Bureau (BBB) regarding a H*** E***** L*** of Credit (*****) with the Bank and subsequent past due payment on your credit report.
  Please see the attached Direct Dispute of Credit Information notification of correction dated March 27, 2024, as our response.
  If you have any questions or concerns, please contact the Bank at *****************************.com, or by mail at P.O. Box ******, Charleston, SC 29423.
  Sincerely,
  Justin S****
  Complaint Management
  Enclosed: Direct Dispute of Credit Information notification of correction

• Initial Complaint

  01/08/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I will like to understand how my account was accessed and things were changed on a completely different day then when i call in.

  Business response

  01/17/2024

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

           January 17, 2024
  
  RE: BBB Complaint # ********
  
  Dear ****** ********,

  
  On January 8, 2024, SouthState Bank, N.A. (“the Bank”) received your complaint filed with the Better Business Bureau (BBB) regarding updates made to your account by the Bank. The Bank takes seriously its obligation to fully investigate complaints. Please accept this letter as our response.

  
  Research into your complaint revealed on September 30, 2023, you opened a checking account online and entered **** ****** ***** ********** ** ***** as your address of record with the Bank. On December 20, 2023, you contacted the Bank requesting a replacement debit card and you indicated your address on file did not include an apartment number. During this call you requested and authorized Bank representative, Essence G******, to submit an address change to include apartment number **** and order you a debit card. On December 27, 2023, your address change was processed as requested.   There is no evidence of any other changes made to your customer profile or account by the Bank since.   

  
  We trust this provides clarity to your concerns, however, if your address change is not what you were referring to in your complaint or if you have any additional questions, please contact the Bank at 800.277.2175.

  
  Sincerely,
  
  
  Justin S****
  Complaint Management

• Initial Complaint

  12/06/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am a 72 year old women and had fraud on my debit card. The bank is not approving my claim and they are holding me liable. I did not make the transactions.

  Business response

  12/14/2023

   Re: BBB Complaint ID #********
  
  Dear Shirley *******,
  On December 6, 2023, SouthState Bank, N.A. (“the Bank”) received your complaint filed with the Better Business Bureau (BBB) regarding debit card transactions you believe were unauthorized and the outcome of your dispute of those transactions. The Bank takes seriously its obligation to fully investigate complaints. Please accept this letter as our response, although we also have communicated this to you by telephone.
  Our research confirmed that, on November 7, 2023, you disputed the authorization of several Amazon debit card transactions conducted between July 1, 2022, and October 16, 2023, totaling $931.78.  On November 13, 2023, your checking account ending in 3757 was provided a provisional credit of $931.78 while the disputed transactions were investigated.
  As outlined in the Bank’s Notice of Final Determination dated November 28, 2023, and conveyed during a telephone call with you on December 5, 2023, with branch manager, Terrance *******, due to your delay in reporting the disputed transactions, the Bank is unable to fully mitigate your loss and on December 7, 2023, $915.00 of the provisionally credited funds were debited from your checking account.   As disclosed in the Electronic Banking section of the Bank’s Personal Deposit Account Agreement and allowed by federal law, reporting of unauthorized transactions to the Bank must occur within sixty (60) days of the date of your periodic statement on which they appear was made available to you, to minimize your losses. 
  While the Bank is sympathetic to your situation, we are unable to grant your request to refund your lost funds.  If you have any questions, please reach out to Mr. ******* at ************ or our Dispute Department at 800.277.2175 and reference dispute ID ******.
  
  Sincerely,
  
  
  Justin *****
  Complaint Management
  
  
  

  Customer response

  12/14/2023

  
  Complaint: ********
  
  I am rejecting this response because: I am a victim of elderly abuse ! Review this dispute again ! 
  
  Sincerely,
  
  Shirley *******

  Business response

  12/20/2023

  Hello- 

   Please see below for our response to Ms. *******'s 12.15.23 rebuttal that we will also mail. Thank you,

  Shirley *******
  *** ***** ****
  *********, ***** ******** *****
  
  
  December 20, 2023
  
  Re: BBB Complaint ID #********
  
  Dear Shirley *******,
  
  On December 15, 2023, SouthState Bank, N.A. (the “Bank”) was notified by the Better Business Bureau(“BBB”) that you did not accept the Bank’s response issued on December 15, 2023, to your complaint submitted on December 6, 2023.
  Your rebuttal indicated you are a victim of elder abuse but did not provide any additional information, therefore, Branch manager, Terrence *******, contacted you on December 19, 2023. During this conversation you stated that you do not feel you are victim of elder abuse by anyone at the Bank nor have you been taken advantage of by someone else. Rather, you again expressed frustration with the dispute process, the revocation of the provisional credit, and the outcome of your dispute.  We can assure you that your dispute was properly investigated, and the outcome was based on the length of time between the transaction dates and the filing of the dispute.
  If you have any additional questions, please contact our Dispute Department at 800.277.2175 and reference dispute ID ******., or Mr. ******* at 803.***.****. We trust this response provides clarity to your concerns.
  
  Sincerely,
  
  
  Justin *****
  Complaint Management

  Customer response

  12/21/2023

  
  Complaint: ********
  
  I am rejecting this response because Terrence is lying at this point! I told him I do feel like someone at this bank took my money. Next report is about him and the lies he has been relaying 
  
  Sincerely,
  
  Shirley *******

  Business response

  12/27/2023

  Hello- 

  Today I, Justin *****, spoke with Ms. ******* along with the Bank representative named in the third rebuttal, Terrence Hayward's, manager, Regional Area Manager Craig Boykin. At this time, the heart of the customer rebuttal is she has spent the provisional credit the Bank provided to her at the time of her fraud dispute. She asserts that even though every Amazon transaction in her dispute is fraud, that she only called in to file a fraud claim on two transactions, and that the Bank should have only given her fraud reimbursement for the two transactions. I confirmed that the Bank did refund the two transactions in questions; however, she spent the rest of the funds that were declined in the dispute due to Bank policy of notifying the Bank within 60 days of the transaction. Ms. ******* does not agree with the Bank's position and decision. She has confirmed that she is not claiming elder abuse and that she is only disputing the outcome of the Bank's decision to remove the provisional credit. After speaking to the customer, we are considering this matter resolved, with a witness, and confirming Mr. *******'s conversations with the customer outlined in our response are accurate. We would request the BBB to review all responses and facts to proceed with closing out this complaint. 

  Please advise if this is acceptable and/or there is anything else needed at this time. 

  Thank you,

  Justin *****

  Customer response

  12/27/2023

  
  Complaint: ********
  
  I am rejecting this response because this is elderly abuse and I am not stopping until I get my funds back. I will keep going until my claim is overturned. Get the CEO involved as well if need be. 
  
  Sincerely,
  
  Shirley *******

• Initial Complaint

  12/01/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a contractor/handyman, and I was a victim of financial fraud. A scammer, posing as a customer, asked me to bid a job, which I did. He accepted the estimate that I gave him for the job he had explained to me in detail. He sent me a cashiers check to pay for the cost of my labor and the cost of materials. I deposited the check into my bank account and the teller made funds available that moment. I checked my account online to verify this. My "customer" then asked me to pay the door supplier for the seven doors needed to complete the job. Since the check was deposited, to my knowledge, I had funds in my account that I previously did not. I proceeded to send $2000 out of those funds that were made available to me to the "door supplier". The next day, my "customer" proceeds to tell me that he is going to have to cancel the job and will need me to refund the remainder of the check. At this point, I knew something was not right, so I went to the bank and spoke with a woman named Pam about the situation. She proceeded to tell me that it is most likely fraud, and that I would likely find out that the check was fraudulent. The check did indeed come back as fraudulent and now they are telling me that I am out of pocket for the $2000 that I sent. I would not have been able to even send the $2,000, had they not made the funds from the fraudulent check available for me to spend immediately. I am a carpenter, and I am not familiar with the process the checks go through. To my knowledge, a cashiers check should be verified funds. Even if it wasn't, why would they make funds directly available? I find this strange, because most other checks that I have deposited of similar amounts have been placed on hold for seven business days before the funds were made available. The one time they should have placed a hold on the funds, they chose not to. Now they tell me I am liable for the damages ($2,000). I have filed a police report regarding the scammer and the situation.

  Business response

  12/07/2023

  Dear **** ******,
  
  On December 1, **23, SouthState Bank, N.A. (“the Bank”) received your complaint filed with the Better Business Bureau (BBB) regarding a cashier’s check you deposited into your business checking account and subsequently was returned due to fraud. You are requesting the Bank refund your lost funds. The Bank takes seriously its obligation to fully investigate complaints. Please accept this letter as our response.
  Research into your complaint revealed on October 17, **23, you deposited a cashier’s check in the amount of $5,540.00 at the Hilton Head Palmetto Bay branch. Pursuant to the Bank’s funds Availability Policy and the Federal regulation governing how long banks are allowed to delay the availability of funds when certain types of deposits are made to checking accounts, the Bank was unable to restrict the use of the funds from the deposited cashier’s check. Additionally, as stated in your Business Deposit Account Agreement, you are responsible for returned items. Any item deposited to your account or that we cash for you, that is not paid for any reason when presented to the party obligated to pay it, will be charged back against your account, even if this causes your account to be overdrawn, without regard to whether the item was returned within any applicable deadlines.
  While the Bank is sympathetic to your situation, based on the facts outlined in this response we are unable to grant your request to refund your lost funds. We trust this response provides clarity to your concerns.
  
  Sincerely,
  Justin S****
  Complaint Management

• Initial Complaint

  10/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I missed one payment and they did not contact me to tell me. There was anything wrong with my account. They just sent it straight to collections after one missed payment with no contact. But they went ahead and took payments on the loan for the next couple of months without telling me that there was a problem and the money did not go towards my loan. Nor have I gotten that money back. They refuse to contact me to even try and resolve this issue.

  Business response

  10/17/2023

  Dear Catherine M*****,
  
  On October 8, 2023, SouthState Bank, N.A. (“the Bank”) received your complaint filed with the Better Business Bureau (BBB) regarding missing a loan payment and the Bank sending your loan to collections. The Bank takes seriously its obligation to fully investigate complaints. Please accept this letter as our response
  Research into your complaint revealed you opened a personal installment loan on July 24, 2019. On March 28, 2023, you contacted the Bank and requested the Bank cease any telephone or email communications related to your account being past due, which the Bank honored.  On July 14, 2023, the Bank notified you in writing that your account was past due and that you must make a past due payment of $160.88, plus any additional payments coming due, by August 13, 2023, to prevent your loan from being charged off.  On August 28, 2023, you made a payment of $150.00, which the Bank returned to you because at the time you were past due $453.88. On October 5, 2023, your account was charged-off.
  While we sympathize with your situation, the Bank is required under the Fair Credit Reporting Act (“FCRA”) to report accurate and timely information to the Credit Reporting Agencies, whether positive or negative. The Bank has reviewed and confirmed the reporting of your loan as past due was required and accurate.
  If you would like to pay off your charged off balance or have questions about the information outlined in this response, please contact James H***** at ***.***.****.
  
  Sincerely,
  Justin Smatt
  Complaint Management Team

*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. ↩