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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:06/17/2024

      Type:Order 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 am the victim of identity theft and have provided police reports to prove I am a victim

      Business Response

      Date: 06/25/2024

      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 she have further questions or concerns.

      Customer Answer

      Date: 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,

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

    • Initial Complaint

      Date:06/10/2024

      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 was in a car accident in April. My insurance company paid off ****** of the $17,000 left gap insurance is supposed to be paying the remaining balance. This car company is putting past due amount on my account at $858 stating that I need to continue to make a car payment while waiting on gap. My agreement is to pay $429 a month and they just received a $****** payment for my insurance company. I should not have anything past due. The $****** paid for my insurance company should cover a total of 29 payments.

      Business Response

      Date: 06/13/2024

      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 regulatory guidelines. In addition, we have confirmed that on June 11, 2024, our agents were able to speak to ****************** regarding 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:05/27/2024

      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 was fixing my dead friend's car and I spent nearly double the value of the car to make sure it would last FOREVER. I find out it's repo'd... with my phone... guitar I've had since i was 16 (i.e more than half my life)... AND a $700 microphone. I have the money to flat out buy the car and thought to myself "there's no WAY they want an 07 Mustang GT more than the 12k he owed on it"... I was wrong. They directed me to their ironically named ********************** (hilarious joke from the higher *** to name their repo department that) and despite leaving dozens of messages NOBODY has called me back. I would LOVE to have the car back... I know it's just a car but it was like a moving memorial to my friend and it felt like he was with me when i was in it. However, if that's too much to ask, and Mechanics Bank wants an 07 Mustang THAT BAD - then at least give me back my stuff.The level of indifference your employees show speaks volumes to the kind of business you run. It's obvious why they're so desensitized... it's because you're FLOODED with calls from people going through grief, loss and hardship every MINUTE because you're predatory and cruel. I wasn't even associated with your fraudulent institution... but NOW I am. I promise I'll do whatever I can to make your lives miserable with lawyers. Either contact me about my belongings or you'll be receiving a call which will carry legal consequences and implications that far outweigh a $12,000 predatory loan you gave to my friend. You ACTUALLY have a 1.4 star rating. That's truly impressive... that means you've rubbed people SO wrong that 144 people decided that 1 star ratings were the best you deserve. You should be closed down and I hope you're all treated as bad as I was during a trying time in your lives. You know what? I'm starting to hope you DON'T give me my stuff back. That way I can begin to build my case to take your JOBS. Have a fantastic day Mechanics Bank - I'm waiting for your reply with bated breath.

      Business Response

      Date: 05/30/2024

      Mechanics Bank is in receipt of the complaint that ******************** recently filed with the Better Business Bureau (BBB) on May 27, 2024. As part of its ongoing efforts to maintain the highest level of customer service and consumer protection, ********************** welcomes the opportunity to receive and understand all consumer complaints and appreciates the role of the BBB in facilitating this communication. It should be noted that with a firm commitment to consumer protection and customer privacy, absent additional explicit consent for the Bank to disclose personal information, it is the Banks policy not to comment publicly on any individual complaint. Where a release by the complaining consumer is provided, the Bank has and will provide for a full response. Otherwise, it is the Banks policy to only respond in those forums where consumer protection and customer privacy can be fully insured, such as the ***** or other government operated consumer protection services.

      It should be noted that in addition to this complaint received by ****************** from the BBB, Mechanics Bank can confirm that agents have spoken with ****************** explaining the banks process for his request and can confirm Mechanics Bank has complied with bank policy and procedures.

      At this time,with the explanation provided herein, Mechanics Bank will consider this matter closed.

    • Initial Complaint

      Date:04/29/2024

      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 have an auto loan with mechanics bank company and have always had a good payment record. Recently I called to ask for assistance because I'm not working, don't qualify for FMLA, however my husband gets unemployment and if there was any assistance I could get with my payments, a deferment, or any of the late fees to be removed? I was informed no one can help me! I asked for help/money from family and managed to pay the $650 which was my monthly payment plus the late fee of $108! I noticed even after the payment posted online still shows $108.10 late. I called back spoke with a very rude agent named ***** at 2:15pm mst today. Despite me asking ***** why is my account still showing past due and expecting an answer, she stated, 'If you were to schedule a payment with me I can then send a request to whomever about why your still showing late.' Absolutely not! I asked for a manager and she asked me why, over talked me, then told me it's gonna take a long time and I better call back later ALL BEFORE SHE EVEN ATTEMPTED TO GET A MANAGER. So she could predict my wait time but not apply my fees to reflect current in my account? This company has shown time and time again it does not care for it's clients, it doesn't hire empathetic associates, and mechanic bank will gladly take your money and neglect to apply allocated funds to appropriate locations. This reporting late! This is grossly negligent, and discriminatory! Yahoo Mail: Search, Organize, Conquer

      Business Response

      Date: 05/07/2024

      Please see attachment. 

    • Initial Complaint

      Date:04/22/2024

      Type:Sales and Advertising 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 signed up for auto draw payments in 2021. Apparently, the auto draw was not processed for the very last payment because the dollar amount was slightly different ($0.85 higher) of the regular monthly draw amount. Approx a monthly later, I received a collection letter, called and paid immediately. My credit score dropped SIGNIFICANTLY due to the late payment. I contacted the company and requested they retract the info sent to the credit bureaus, as I had not requested the auto draw payment agreement to cease and they should have drawn the final amount. Also, please note, the online portal says "Your account is enrolled in recurring payments" on the main screen. The representative refused and said I "should track my finances better". The company expects me to contact all three credit bureaus to resolve, which is time consuming and I should be compensated for my time. Horrible service. I'm contacting FTC, as I believe this is a violation of FDCPA.

      Business Response

      Date: 05/01/2024

      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, Mechanics Bank management conducted an in-depth investigation and reviewed all relevant information connected with her concerns. We can confirm that on April 24, 2024,our management team was able to make contact with ******************** and address her concerns.  We value the relationships that we have built with our customers and invite ******************** to reach out to us with any questions or concerns she may have.

    • Initial Complaint

      Date:04/16/2024

      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 am not liable for this **** with charter communications, I do not have contract with MECHBKAUTO, they did not provide me with the original contract as i requested.

      Business Response

      Date: 04/23/2024

      Please see attachment.

    • Initial Complaint

      Date:04/15/2024

      Type:Sales and Advertising 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.
      Financed a car through this bank since then I have been completely disrespected and hung up on by employees. I believe they are taking advantage of individuals through online payments to get more money and I have also had my information given to multiple third parties for reasons I do not know. Had to have my number taken off the website to stop mechanics bank from spam calling me. In one day I received more than 20 calls from the bank followed by other sketchy numbers that do not allow you to call them back.

      Business Response

      Date: 04/23/2024

      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 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.

    • Initial Complaint

      Date:04/08/2024

      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 am writing to seek your assistance in resolving a serious issue with Mechanics Auto Finance, which has resulted in unfair credit reporting and financial distress. The details of the account in question are as follows:Original Loan Amount: $40,000 Total Payments Made Over: $60,000 Auction Profit Over: $20,000 Reported Charge-Off/Written-Off: $11,847 Total Profit for Mechanics Auto Finance: Over $90,000 Despite my substantial payments and their considerable profit from the auction and write-off, Mechanics Auto Finance continues to report a charge-off amount, which has negatively impacted my credit score. This has unjustly affected my ability to secure loans and credit, hindering my financial recovery and stability.Given the total profit exceeding $90,000, which is more than double the value of the vehicle, I request the BBBs intervention to have this account removed from all credit reporting bureaus. This action is necessary to correct my financial records and prevent further harm.I appreciate your prompt attention to this matter and look forward to a resolution that includes the deletion of this account from all credit reports!

      Business Response

      Date: 04/15/2024

      Please see the attached document. 

    • Initial Complaint

      Date:04/03/2024

      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 applied for a loan but was denied because of the false report on my credit from this bank. The vehicle was sold to a dealership and they did the transfer as well as the funds. We were assured that all was settled! Come to find out that they had reported on my credit,we never got any correspondence from them about any amounts outstanding! I tried calling but they were not helpful at all which is why I have contacted a lawyer. Mechanics Bank is one of the worst customer service experience I have ever had!

      Business Response

      Date: 04/09/2024

      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, Mechanics Bank management conducted an in-depth investigation and reviewed all relevant information connected with her concerns and records reveal we complied with Bank policy, procedures, regulatory guidelines and adhered to the Fair Credit Reporting Act (FCRA) requirements. We value the relationships that we have built with our customers and invite ****************** to reach out to us with any questions or concerns she may have.

    • Initial Complaint

      Date:04/01/2024

      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 am writing to file a formal complaint against Mechanics Bank ******************** regarding a troubling issue with my recent auto loan payment. On March 15, 2024, I made a payment of $479.75 to Mechanics Bank ********************. However, on March 23, 2024, I received a letter in the mail claiming that my payment had been reversed.Concerned about this discrepancy, I immediately contacted my bank to investigate. Upon review, my bank confirmed that the payment was indeed processed and not reversed. I provided the necessary documentation, including my bank statement, clearly indicating that the payment was successfully transferred to Mechanics Bank ******************** on March 15, 2024.Despite presenting incontrovertible evidence of the payment, I was met with resistance from Mechanics Bank ******************** representatives. They insisted that the payment had been reversed, despite the documentation provided. This refusal to acknowledge the payment is deeply troubling and unacceptable.This is not an isolated incident, and I am deeply worried about the potential consequences for my credit score. Despite my efforts to maintain a good credit history, I am now being threatened with credit damage due to an error on Mechanics Bank ********************s part.Furthermore, I am concerned that my payment may have been improperly allocated to a future date without my consent. I am not willing to make a double payment without first resolving this matter and ensuring that my previous payment is either refunded or properly accounted for.I respectfully request that the Better Business Bureau investigate this matter promptly and thoroughly. I expect Mechanics Bank ******************** to provide a detailed explanation for the alleged payment reversal and to rectify the error without further delay. Additionally, I demand assurance that my credit will not be negatively impacted as a result of this dispute.

      Business Response

      Date: 04/09/2024

      Please see the attachments.

      Business Response

      Date: 04/09/2024

      Please see the attachments.

      Customer Answer

      Date: 04/09/2024

       
      Complaint: 21511898

      I am rejecting this response because:
      I have contacted you numerous times attempting to get this resolved and your staff has been rude/unhelpful this payment was made as my bank personal has stated to yours and previously it was stated that 5/15 would be my next payment not 4/15 but on 3/20 I received a letter from mechanics stating they moved my payment to 4/15 because I did not pay it according to them when this payment was indeed made and confirmed by my bank please fix this
      Sincerely,

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

      Business Response

      Date: 04/11/2024

      please see attachment. 

    Mechanics Bank is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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