Complaints

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

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Mechanics Bank has 77 locations, listed below.

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  Mechanics Bank

  1111 Civic Dr Ste 390 Walnut Creek, CA 94596-3895

• 

  Mechanics Bank

  3884 San Pablo Dam Rd El Sobrante, CA 94803-2822

• 

  Mechanics Bank

  279 Arlington Ave Kensington, CA 94707-1401

• 

  Mechanics Bank

  683 Parker St Rodeo, CA 94572-1434

• 

  Mechanics Bank

  2301 Shattuck Ave Berkeley, CA 94704-1516

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:10/19/2022

  Type:Billing 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.

  Violation of my right- 15 U.S.C **** Section 604 A Section 2 It also states that a consumer reporting agency cannot furnish an account without my written instructions. I have not provided any written consent for this alleged debt and nor am I liable for this. its illegal to post income on a consumer report a charge off according to the *** it is income, Please provide ****-C as this was charged off. Pursuant to 15 USC **** c I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums

  Business Response

  Date: 10/21/2022

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We would like to thank ******************** for reaching out to us and allowing us to investigate this matter. We would like ******************** to know that upon receipt of her complaint, our management team reviewed all relevant information connected with her concerns and records reveal we complied with Bank policy & procedures and requirements under the Fair Credit Reporting Act (FCRA).

• Initial Complaint

  Date:10/10/2022

  Type:Service or Repair 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.

  I got scammed by a trading platform company: fimibit.com to the sum of 42K, I need help to recover my money. See the attached document.

  Business Response

  Date: 10/28/2022

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We thank ****************** for reaching out to the BBB and allowing us to investigate this matter.  It is Mechanics Bank policy to conduct a reasonable investigation when we receive a consumers complaint.  We would like ***************** to know that upon receipt of his complaint, our management team reviewed all relevant information connected with his concerns and a response has been prepared and mailed to ****************** directly.  We value the relationships that we have built with our customers and invite ****************** to reach out with any further questions or concerns by contacting our toll free **************** at **************.

• Initial Complaint

  Date:09/29/2022

  Type:Sales and Advertising 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.

  The past year life for many of us has had its extremes. My auto loan with Mechanics had auto-pay setup from the moment I purchased the vehicle. To convenience of autopay for the customer is a "set it and forget" kind of thing, and a bit more assurance for the lender. During the past year or so, I was out of work for 7 months (this isn't a money issue). I was still paying all bills and rent without any assistance program - my car payment included. I also welcomed my first child into the world. 1 week after she was born my wife suffered from unforeseen complications. I saw the silver lining of being out of work because I was needed at home. However 2 weeks after she was born we were forced to move with the real estate market booming. Imagine getting a rental in Silicon Valley at the height of the real estate boom with no verifiable income. To add insult to injury, my identity was compromised during this time as well. After the property manager found us a vacant unit in the same complex we had no choice, but It happened again a year after that for the same reason. This time I had just gotten a new job and only having been at the job for a few months was a red flag for 8/10 landlords. While learning what it meant to be a new parent without any family in the state to help out, prepping for interviews, getting into the groove of a new job and coordinating moves, transferring utilities, the last thing I thought was that I'd have to scrutinize whether or not my auto pay was going through. It wasn't. The money was there, but auto pay had discontinued and I didn't notice until they repo'd my vehicle. I just got my possessions from the lot who have been much more helpful and responsive than Mechanics. I've left 3 messages stating that the number on the account I no longer have access to and to call me back on my new number. No call back. I sent an email no email. They can find my current address (moved 3 times) but can't find other channels to reach out?

  Business Response

  Date: 10/03/2022

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We would like to thank ************ for reaching out to us and allowing us to investigate this matter. We would like ************ to know that upon receipt of his complaint, our management team reviewed all relevant information connected with his concerns. We have confirmed that on October 3, 2022 a representative made contact with ************ and was able to assist with his concerns. We value the relationships that we have built with our customers and invite ************ to reach out with any further questions or concerns he may have.

• Initial Complaint

  Date:09/27/2022

  Type:Service or Repair 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.

  On September 6th I called to set up a payment to come out on the 13th when I get my disability check in. They ran it without authorization to take my card over the phone and process it that day. I called on a recorded line. The employee that I called regarding stealing my grocery and gas money. They forced me to take a payday loan and cost me so much in interest that I will be behind again due to their theft and unauthorized use of my card. They stole from a disabled person and then another employee harassed me for not working. After the charge that they stole went through we had no food and gas so my husband can make money to pay the payment. We were hungry for 2-3 days and ate ramen and bread for a week. He acknowledged that I was calling to complain about an unauthorized charge. They seemed to think it was ok to steal. I would like the employee who stole my card and ran it that day even though on the recorded line I authorized it to be run on 9/13 and 9/27. I would like them to remove my card on file and acknowledge the theft. Pay me or credit me on my next payment due to the fact I have a huge interest rate on a loan and got NSF charges. I would like to do this before I take it to small claims court. I would like that employee that ran my card that day without authorization that day to be terminated. And the others for mistreating a customer and acknowledging theft. I am on disability for mental illness and this caused so much anxiety and depression. I could not feed my children and they didnt care. They didnt call me to collect. I called in to make the payment arrangements. They did not agree to take it out the 9/6 and did without authorization

  Business Response

  Date: 10/03/2022

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We would like to thank ************** for reaching out to us and allowing us to investigate this matter. We would like ************** to know that upon receipt of her complaint, our management team reviewed all relevant information connected with her concerns. We have confirmed that on September 27, 2022 management was able to make contact with ************** and was able to assist with her concerns.We value the relationships that we have built with our customers and invite ************* to reach out with any further questions or concerns she may have.

  Customer Answer

  Date: 10/03/2022

  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,
  
  ***********************

• Initial Complaint

  Date:09/13/2022

  Type:Service or Repair 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.

  I purchased a used vehicle from ******************************* in Redlands. They gave my loan to Mechanics Bank unfortunately. I began attempting to call their customer service ***** to make payments but found that after waiting ***** minutes they never answer. After doing this several times I complained to the corporate office and finally got a call and made a payment. This has happened every time I have attempted to make a payment including today. Then they charge you another fee to an outside company to make the payment. I will request that a federal regulatory agency investigate these practices. I have complained to the dealer who got the loan and I am still waiting for their call as they arranged the loan and I expect them to clean this up. Read some of the other many complaints on here and you will get the idea. Sad in 2022 dealers are still using these guys.

  Business Response

  Date: 09/16/2022

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We thank ************** for reaching out to us and allowing us to investigate this matter. We would like ************** to know that upon receipt of his complaint, our management team reviewed all relevant information connected with his concerns. We have confirmed that our management team was able to make contact with ************** on September 14, 2022 and attempted to assist with his concerns. We value relationships that we have built with our customers encourage ************** to contact our ******** Service Supervisor, ***************************** directly, at ************************* with any outstanding issues.

• Initial Complaint

  Date:09/13/2022

  Type:Service or Repair 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.

  Careless and disorganized with my Auto Loan. I paid off the loan and they sent me the Vehicle Title with the incorrect address, although the document was mailed to the correct address. I requested they charge the title document and the Bank responded that it was not their problem. I asked them to reimburse the cost of changing the title and they did not bother responding. POOR CUSTOMER SERVICE!

  Business Response

  Date: 09/16/2022

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We thank ************** for reaching out to us and allowing us to investigate this matter. It is Mechanics Bank policy to conduct a reasonable investigation when we receive a consumers complaint. We would like ************** to know that upon receipt of her complaint,our management team reviewed all relevant information connected with her concerns and records reveal we complied Bank policy and procedures and state guidelines. We value the relationships that we have built with our customers and invite ************** to reach out with any further questions or concerns she may have.

  Customer Answer

  Date: 09/17/2022

   
  Complaint: 18019580
  
  I am rejecting this response because my issue was neither addressed nor resolved. I did not get an explanation as to why they had an old address on the document nor that they would reimburse what it would cost me to have the document changed. Mechanics bank has just responded with the standard scripted corporate response to and issue - Weve review the complaint and found no errors on our side.
  
  Sincerely,
  
  *********************************

  Business Response

  Date: 09/23/2022

  We regret that ************** was not happy with the response she received. We would like ************** to know that **************** of ********* address changes to vehicle registration documents is a process that must be performed by the vehicles registered owner and is not related to an account associated address change. Additionally we have confirmed that in release of the lien, Mechanics Bank complied with Bank policy and procedures and state guidelines.

  Customer Answer

  Date: 09/30/2022

   
  Complaint: 18019580
  
  I am rejecting this response because: *********** has not provided any new information from their last response. They keep stating that they followed the company policy. The issue is not about whether they followed company policy or not. The issue is that the Customer is paying for their mistake which they have not addressed nor taken responsibility for.
  

  The only satisfactory resolution is for them to pay for the charges that I have to put up because they screwed up. I understand that they cannot reissue the title. But they can pay for the $40 that I have to spend on correcting my title that they issued incorrectly. 
  
  Sincerely,
  
  *********************************

• Initial Complaint

  Date:08/22/2022

  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.

  In the early morning of 8/10/2022 my car was taken. I called the Police Depart and was told that it was taken by Daybreak Metro ************.. I never received any kind of notice about repossessing the car until August 14 2022 I have been behind in my payments. my family and I had covid. I had a big debt to payoff in 3 months. I was going to catch up on my car on 8/19/2022. I should have contacted sooner on my plan but I was embarassed. When I made contact with ****** of Mechanics Bank I had told her of my plan. She was sympathetic and broke down what I needed to pay. it was ****** past due,117.04 late fee, ****** repo fee, ***** other fee. the total was *******. ****** told me to take it in to any Mechanics Bank and they will release my car. I took my payment into Mechanics Bank ******* along with my ******* Repo Reciept from the Alameda County Sheriff and spoke to a ********************* She did not take my payment. She called the repo **** and no one returned or picked up her call. we were left on hold 3 times. I have been trying to call the last two days and left messages trying to get someone to call me back. My car continues to rack up storage fees daily because I cant get it released. I finally sent payment by only address I know ********************************************** to try to get someone to acknowledge the release even though I wanted to make payment in person but ***** would take my payment. I need someone from Mechanics Bank to call me back I cant leave message because the voicemail disconnects. The confirmation of my payment is K9QKMJQ its for *******. Please help me so I don"t have to lose my car. Thank You *******************************

  Business Response

  Date: 08/25/2022

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We would like to thank ******************** for reaching out to us and allowing us to investigate this matter. We would like ******************** to know that upon receipt of her complaint, our management team reviewed all relevant information connected with her concerns. We have confirmed that on August 25, 2022 our agents were able to make contact with ******************** and assist with her concerns. We value the relationships that we have built with our customers and invite ******************** to reach out with any further questions or concerns she may have.

• Initial Complaint

  Date:08/19/2022

  Type:Service or Repair 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 am trying to payoff my auto loan with Mechanics Bank so that I can transfer its title. On August 18, 2022, at 1:50 PM (EDT), I attempted to contact a "human" representative on the customer service number, ************, to assist me in the payoff/title process since I was NOT able to register for website access. I chose the option where you leave your phone number, ************, and they would call back based on your place in line. I never received a return phone call!On August 19, 2022, I called the customer service number (again) and was informed about an approximately 39 minute wait time. It is now, 2 hours on hold! This is ridiculous! In addition, this is the only way to talk with a human!

  Business Response

  Date: 08/25/2022

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We thank ****************** for reaching out to us and allowing us to investigate this matter.We would like ****************** to know that upon receipt of his complaint, our management team reviewed all relevant information connected with his concerns.We have confirmed that on August 19, 2022 our agents were able to make contact with ****************** and assist with his concerns. We value the relationships that we have built with our customers and invite ****************** to reach out with any further questions or concerns he may have.

  Customer Answer

  Date: 08/30/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is TRUE but deceptive.  I had to contact Mechanics Bank after they did not return my initial call.  I left my phone number on the automated system for a callback in accordance with their automated system.  I did not receive a call back.

  I have discussed my initial issue with Mechanics Bank and that issue was resolved.  I noted that Mechanics Bank in their reply did NOT apologize or truthfully provide an accurate accounting of  the issue.

  Nothing will be gained by prolonged back-and-forth discussion of this issue.  I will not ever use Mechanics Bank again for an auto loan.

  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:08/06/2022

  Type:Service or Repair 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.

  There are nothing but issues trying to pay our monthly car payment. I will set it up for autopay, get an email confirmation, then the payment isn't processed. So then I will do a one time payment so I'm not dinged for being late, which then cancels the autopay. Once the payment is processed and applied a few days later the payment will be reversed. There is NO communication that this has happened. If you don't troll their site you would have no idea. Once you pay again it will process (using the exact same pay method) but they will change how much of the payment goes to the principle vs interest. I have 6 other bills that autopay out of my savings account (with another bank) and have no problems, no reversals, and no late payments. This bank is sketchy as all get out and their payment process feel like a scam.

  Business Response

  Date: 08/11/2022

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We thank ************ for reaching out to us and allowing us to investigate this matter. We would like ************ to know that upon receipt of her complaint, our management team reviewed all relevant information connected with her concerns.We have confirmed that management was able to make contact with ************ and resolve her concerns. We value the relationships that we have built with our customers and invite ************ to reach out with any further questions or concerns she may have.

• Initial Complaint

  Date:08/02/2022

  Type:Service or Repair 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.

  Ive purchased a vehicle from High Quality Auto and financed through Mechanics bank. Ive continuously been harassed for payments by this bank for a long time even though Ive already paid. I also have reasons to believe that they adding hidden balances to my account.

  Business Response

  Date: 08/11/2022

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We thank ************** for reaching out to us and allowing us to investigate this matter. We would like ************** to know that upon receipt of his complaint, our management team reviewed all relevant information connected with his concerns and records reveal we complied with Bank policy and procedures and regulatory guidelines.We value the relationships that we have built with our customers and invite ************* to reach out with any further questions or concerns he may have.