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Business Profile

Bank

Mechanics Bank

Headquarters

This business is NOT BBB Accredited.

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Important information

Complaints

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

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Mechanics Bank has 77 locations, listed below.

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    Customer Complaints Summary

    • 106 total complaints in the last 3 years.
    • 30 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:11/18/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Subject: Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern,I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2, which mandates the reporting of accurate and verifiable information.The account in question is as follows:Account Name: [*******************]Date Listed: [Apr. 01, 2021 ]The balance currently being reported is inaccurate and potentially unlawful. Per ****** v. *****************, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under *** regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following:Verification of the Account Balance: Provide evidence demonstrating that the balance is accurate and collectible.Provision of the 1099-C Form: If issued, provide a copy to verify the identifiable event.Immediate Deletion of the Account: If the debt was discharged under Event Code 7 or cannot be verified, you are required to delete this negative information under the Fair Credit Reporting Act.Attached, you will find a balance reporting on my 3 bureau credit report in the amount of $39,142.00. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action.Thank you for your prompt attention.Sincerely,******** ****

      Business Response

      Date: 11/20/2024

      Please see attached response.  

    • Initial Complaint

      Date:10/21/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Dear Mechanics Bank I hope this message finds you wellthough I cant say the same for my vehicle, which you so graciously decided to repossess after two and a half years of what I believed was a settled account. It seems my understanding of settled was far too optimistic, as Ive had the distinct pleasure of discovering that your communication skills rival those of a silent movie.Imagine my surprise when, after nearly three years of radio silence, I learned my car was whisked away by your diligent repossession team. A classic case of Now you see it, now you dont!and here I was thinking Id finally settled things. I even received a pink slip, which I assumed was a congratulatory note on my excellent payment habits, but I guess I misread the situation.Its been almost a week since you took my car, and Im still waiting for a letter detailing its whereabouts or whats happened to my personal belongings. Its like playing hide and seek, only Im not sure whos hiding, and frankly, Id like to find my wallet and identification before I lose my job due to this unexpected game of automotive musical chairs.I sent my bank statements and the pink slip as requested, but apparently, that was a mere formality. Im still waiting for a response, and the clock is ticking. Meanwhile, Ive incurred rental car feesbecause, of course, you couldnt have foreseen that someone might need a way to get to work. How inconsiderate of me!Let me be clear: if my car is sold off without my consent, I assure you that I will pursue this matter with a tenacity that would make a courtroom drama look like a light-hearted sitcom. This situation has been nothing short of absurd, and I expect you to return my car and compensate me for the inconveniences Ive suffered. After all, its not every day you have to jump through hoops to retrieve your own property from a bank that seems to have misplaced its sense of responsibility.I look forward to your prompt attention to this matter.

      Business Response

      Date: 10/25/2024

      Please see attached response.   

    • Initial Complaint

      Date:10/21/2024

      Type:Billing Issues
      Status:
      Answered
      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 bought a used car at a local dealer and when I started to make payments I made extra payments to lower my balance and when I made calculations and didnt match I called mechanics bank customer service (the financial company)and was told the account was to new when I made extra payment money and that was it

      Business Response

      Date: 10/31/2024

      Please see attached response.   

      Customer Answer

      Date: 11/01/2024

       
      Complaint: 22445195

      I am rejecting this response because:I didnt receive the payment history 
      On the letter attached 
      Sincerely,

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

    • Initial Complaint

      Date:08/22/2024

      Type:Order Issues
      Status:
      Answered
      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 checked my credit report today and noticed that I have a hard inquiry from this company. I never reached out to this company to apply for anything. Please delete this hard inquiry, it is showing on all 3 credit bureaus.

      Business Response

      Date: 08/26/2024

      Mechanics Bank welcomes the opportunity to receive and understand customer complaints and appreciates the role of the BBB in facilitating this communication. Unfortunately,with the identifying information provided in the complaint, we are unable to identify a credit inquiry with Mechanics Bank in your name.   

       

    • Initial Complaint

      Date:08/18/2024

      Type:Product Issues
      Status:
      Answered
      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.
      Mechanics bank makes it impossible to talk to a real person. They hang up on their customers several times during each phone call. They block your debit card without telling you but then they allow other businesses to cash a check over and over again when it never clears racking up hundreds thousands of dollars for their own profit. This bank is awful just like ****** These banks are crooks.AND YOU BETTER BELIEVE I WILL TALK TO THE MEDIA ABOUT THEM

      Business Response

      Date: 08/21/2024

      Mechanics Bank actively tracks consumer complaints and takes every voiced concern seriously. We researched our call log and have not received a call from the phone number included in the complaint. Unfortunately,without the name, email address, or phone number of the customer, we were unable to locate an account.  Please contact our **************** directly at ************** or visit a local Mechanics Bank Branch for assistance. 

    • Initial Complaint

      Date:08/12/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      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 have been speaking with rep ***** concerning my car payments.I fell on financial hardship i fufilled my arranngement paying a car payment last month. She let me know the only setup for reposession once we are 75 day past due on a recorded call. we set a arrangement for me to make a payment on the 27th to bring me under that 75 day ***** I've been getting harassed getting called and being hung up on, today the agent gave a threat og paying in 4 days going against what the other agent said..this needs to be rectified immediately...also when they call working from home they say they dont have the capabilities to transfer to. a supervisor this needs to be fixed. they also need to give agents the capability working from home to transfer calls to a sup. the agent today said he couldnt. this complaint ia about my auto loan

      Business Response

      Date: 08/21/2024

      Please see attached response.   

      Customer Answer

      Date: 08/22/2024

      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,

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

    • Initial Complaint

      Date:07/25/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Mechanics Bank has a problem keeping their Auto Pay turned on in their auto finance accounts. This is the second time they have turned off my auto pay without my consent. Without contacting me, they decided to let these lack of payments run, while I have been under the impression that my account was up to date. They repossessed my car on 7/12/24 in a parking lot with my purse in the vehicle, including my wallet. I have called them every day, multiple times a day, since 7/12/24. They send me straight to voicemail every time. Even the ************************* cannot seem to answer the phone. It has been (13) days without a call or an email from Mechanics bank regarding the whereabouts of my vehicle, let alone what I need to do to get it back. I am trying to comply but they are making it impossible to get my account straightened out and I am on the verge of losing my job due to this issue. I am the sole provider of my family.

      Business Response

      Date: 08/01/2024

      Please see attached.

    • Initial Complaint

      Date:07/22/2024

      Type:Product Issues
      Status:
      Answered
      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 have been a customer of ********************** for about 40 years plus , business and personal.I moved to ****** 12 years ago and ***** the manager requested that I keep my accounts at his branch. I recently decided to move the money to Nevada Requested two accounts to be closed on June 28 2024 .Was told it would take 10 days .I received check for checking account # ********* via FED X but not savings account .# ********* Have called customer service 7 times and get a different story each time I call .The supervisor now tells me that I have to sign a form get it notarized and send back to the bank then put a stop payment on check. They have tracking number for first check but say that the second tracking number the bank created does not exist . Last week I was told after stop payment it would take 90 days to issue new check this was not stated today but the story keeps changing , I just want my money .

      Business Response

      Date: 08/02/2024

      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 written response was prepared and mailed to ************** on August 2, 2024.  We value the relationships 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:07/16/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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 recently became customer of this bank and it has so far left a very sour taste in my mouth. When I was getting helped I had to come in 2x and the second time was to pick up my debit card from a local branch.. where the banker that was helping me asked for my pin number and repeated it out loud in front of other customers that were in line behind me. Not only that but this bank did also fraudulently opened a credit card for my girlfriend. That is simply unacceptable business practice. Never have I see such things from a bank.

      Business Response

      Date: 07/25/2024

      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 written response was prepared and mailed to ************** on July 25, 2024.  We value the relationships 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:07/03/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Subject: ********************** Activity MECHBKAUTO Dear BBB,I am reporting an unauthorized automotive account with MECHBKAUTO, opened on 09/12/2015, under account number *****************. Please assist in investigating this matter as I have no connection to this account.

      Business Response

      Date: 07/08/2024

      Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We would like **************** to know that upon receipt of her complaint, the claim is in special handling with our Mechanics Bank Auto *************************** who will be responding directly to **************** at the conclusion of the investigation. We value the relationships that we have built with our customers and encourage **************** to contact our Auto *************************** at ************** or by email at ********************************************** should he have further questions or concerns.

    Mechanics Bank is NOT a BBB Accredited Business.

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