Complaints

This profile includes complaints for Beneficial State Bank's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Beneficial State Bank

  268 N Main St Porterville, CA 93257-3728

• 

  Beneficial State Bank

  170 W Shaw Ave Fresno, CA 93704-2817

• 

  Beneficial State Bank

  PO Box 2900 Porterville, CA 93258-2900

• 

  Beneficial State Bank

  4025 W Caldwell Ave Ste E Visalia, CA 93277-9224

• 

  Beneficial State Bank

  3401 Pacheco Rd Ste A Bakersfield, CA 93313-3107

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.

• Initial Complaint

  Date:06/12/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 applied for an auto loan with this company, the process was completed June 1, 2023. The agreed upon payment price was what i was expecting to pay in full, but every form of payment available to me has an additional charge tacked onto it which I was not made aware of throughout the filing process. This business practice seems to me to be deceitful and I want to know if there's any form of restitution I can take in dealing with this business?

  Business Response

  Date: 06/30/2023

  
  To whom it may concern:
  
  Due to privacy and confidentiality laws and regulations and the fact that any information we provide will be visible to the public, Beneficial State Bank has no alternative but to address this matter directly with the person who submitted the complaint. Beneficial State Bank does provide different payment options including some free options like ACH, mail, recurring payments, and in-person payments at one of our branches. For more information regarding payment options, please visit  *******************************************************. Mr. ***** may contact Beneficial State Bank directly to further discuss any concerns. 
  
  
  
  
  Please feel free to contact the bank for any further documentation or questions at ###-###-####.
  
  Regards,
  
   
  ********* ******
  SVP, Consumer Loan Servicing Manager 
  

  
  

• Initial Complaint

  Date:03/23/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  It’s been over a month since I received a call from Beneficial state bank, the ###-###-#### number the fraud investigator told me to call him anytime at NEVER answers, I’ve left 8+ voicemails and have tried calling multiple departments. This is all cause of a ASPIRATION/BENEFICIAL STATE BANK fraudulent account. They don’t take responsibility for anything and sent me a packet that wanted me to send back my ID/SS Card.. yes cause that’s what someone who is dealing with fraud wants.. more personal identification documents in the mail. I sent back a legal letter addressed to their fraud department notarized with my ID and their packet, along with the FTC & CFPB statement that they are neglecting.... AVOID BSB AT ALL COSTS!!!! They allowed fraud to occur and now make it hard on me..
  
  Dear Beneficial State Bank,
  
  I am writing to you regarding an issue that has come to my attention. It appears that an account has been fraudulently opened in my name with your bank without my knowledge or consent. This is a serious matter that I need to bring to your attention, again.
  
  As a victim of identity theft, I urge you to take immediate action to investigate and resolve this fraudulent activity. I have not authorized anyone to open an account with your bank in my name, and I am concerned about the potential risks that this situation may pose to my personal and financial well-being.
  
  I would like to request that you provide me with all the necessary information related to the fraudulent account, including the account number, any transactions made, and the identity of the person(s) responsible for opening the account. I also demand that the account be immediately closed, and any unauthorized transactions reversed.
  
  If this matter is not resolved in a timely and satisfactory manner, I may have no choice but to pursue legal action against the bank for the damages and losses I have incurred.
  
  I appreciate your attention to this matter and look forward to hearing from you soon.
  
  Sincerely

  Business Response

  Date: 03/30/2023

  ** *** **** ************ ** ***** 
  P | ###-###-#### ********************************* 
  ******* ******* ********** **** ***** ******* *** ****** ** ***** 
  Re: Identity Theft Dear ******* *******, Please accept this letter as our confirmation that you are not responsible for any fraudulent activity that posted to your Aspiration Zero Credit Card ending in ****. We understand that Identity Theft can be a very stressful situation but please be assured that Beneficial State Bank took the necessary steps to correct all unauthorized charges that posted to your Aspiration Zero Credit Card. 
  As required by law, we have reviewed our account records. Upon receiving information from you related to Identity Theft, we conducted an investigation, updated our records and closed your account. We also contacted the credit reporting agencies and furnished the updated information to them. Please allow 30 days for the corrected information to reflect on your credit report. 
  For your protection we suggest that you place a fraud alert on your credit reports and review your credit reports. Fraud alerts can help prevent an identity thief from opening any more accounts in your name. 
  Once you place the fraud alert in your file, you are entitled to order one free copy of your credit report from each of the three consumer reporting companies. Contact the Issuer of the credit cards/loans if you suspect that you did not open these accounts. 
  It has been our highest priority to ensure that we can be of service during this difficult time. Please reach out if there is anything else we can do to be of service to you. 
  Regards, 
  Beneficial State Bank 
  

  
  

• Initial Complaint

  Date:03/22/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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’m writing to you because I noticed that my most recent credit report contains a charge off. I am not seeing when and if the account has been sold, which is completely illegal. BENEFICIALSB is a misrepresentation of the account status, therefore I am requesting you to delete the account immediately. Also I have noticed the following account has a discrepancy in the payment history section of the listing.
  
  This charged off account is reporting payment history each month when it should not since that account has been charged off. This is falsely manipulating the statue of limitations which is a FCRA violation ** *** * ******* * Billing error resolution.
  (2) Adverse credit reports prohibited. The creditor or its agent shall not (directly or indirectly) make or threaten to make an adverse report to any person about the consumer's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
  DELETE THIS ACCOUNT IMMEDIATELY!
  
  IRS defines a charge off as gross or ordinary income. Income does not get reported on the consumer report. Once the account is charged off that means they wrote it off as a tax write off and took the loss. Which means it is now considered income. "Canceled debt income," often called canceled or forgiven debt, is something anyone with unpaid debts but not gifted should be concerned with. The IRS considers this income.
  
  I am going to report you for tax fraud! You have already written off the debt. So legally you aren’t suppose to be reporting it as negative item to the three credit bureaus. I am demanding a ***** form so we can audit you to make sure you is in compliance. You’re in violation of **** ** *** ****** for reporting information that is not 100% accurate.

  Business Response

  Date: 03/28/2023

  March 24, 2023 
  To: Better Business Bureau From: ********* ******, SVP, Consumer Loan Servicing Manager Regarding: Response to Complaint ID #******** Complainant: ******* ***** ****** 
  To whom it may concern: 
  Due to privacy and confidentiality laws and regulations and the fact that any information we provide will be visible to the public, Beneficial State Bank has no alternative but to address this matter directly with the person who submitted the complaint. Additionally, Beneficial State Bank does not sell any of its debts. Ms. ****** may contact Beneficial State Bank directly to further discuss any concerns. If Ms. ****** believes there is an error with the credit bureau reporting, she is welcome to call Beneficial State Bank or file a dispute directly with the credit bureau and the dispute will be reviewed accordingly. 
  Please feel free to contact the bank for any further documentation or questions at ###-###-####. 
  Regards, 
  
  ********* ****** SVP, Consumer Loan Servicing Manager 
  

  
  

• Initial Complaint

  Date:12/05/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  This company has been terrible to work with. I have over $500 of fraudulent charges on my account and have been on the phone for hours and all the sudden they tell me my account is closed- and it had been closed a month ago- I received NO notice of this account being closed. I need these fraudulent charges to be addressed- the dispute company needs the account to be open in order to address the charges. They don't even let me speak to the people who address these issues. This needs to be resolved immediately.

  Business Response

  Date: 01/06/2023

  Dear Ms. *******,
  We are in receipt of your complaint sent on your behalf by the Better Business Bureau (BBB) related to fraudulent activity on your Aspiration Zero Credit Card Account which was opened on 04/04/2022.
  Ms. *******, please accept our sincere apology for the inconvenience you have described and know we are here to help resolve this matter.
  Upon receipt of the inquiry, we completed a thorough investigation of the account.  We determined that the following transactions were fraudulent:
  $124.97 – Merchant: STIMULTEENDURANCEREG – Transaction Date 08/28/22, Posting Date 08/29/22
  $124.97 – Merchant: OPULENCERENEWEDPREMIUM – Transaction Date 10/05/22, Posting Date 10/06/22
  $124.97 – Merchant: OPULENCERENEWEDPREMIUM – Transaction Date 11/13/22, Posting Date 11/15/22
  Based upon the findings of our review we reimbursed your account for the charges in the amount of $374.91 on 12/22/22.  Regarding your account closure, an adverse action notice detailing the reasons for the account being closed was mailed and emailed to the information we have on file.  
  
  If we can be of any further assistance related to these matters, please contact us at the number listed below. 
  
  Regards,
  ***** ******* 
  ***** *******
  Credit Card Operations Manager
  

  
  

• Initial Complaint

  Date:10/11/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  We have been having issues submitting payments through your system for 4 months and after complaining last month of the same issue we were not able to submit the payment via the designated cc on file and the payment went throught the bank ach. This resulted in a late payment being placed on my credit report that i have asked to be removed as the account is current and this was beyond our control. We were told that the bank attempted to make communication with me on the 14th of September. I have no missed calls or voicemails, I do have Scam calls blocked on my phone though as i was receiving multiple a day. I want this late payment removed from my credit report.

  Business Response

  Date: 10/19/2022

  Beneficial State Bank has included the response to complaint # ******** ******* *******, as an attachment to this email message. If you should have other questions concerning this complaint response, please contact me through email @ *****************************

  Customer Answer

  Date: 10/20/2022

   I am rejecting this response because: I have no voicemail from any missed calls. I have my phone set to auto reject scam callers. If your numbers come up as scam likely it will auto reject. Please call me off a regular number. I have also filed my paperwork with the relevant Creditr beaureas and sent an email to the CEO of Benefitial, no response.