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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:03/18/2024

      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.
      01/26/2024 was a fraudulent charge on my account this bank closed my account said it wasnt no error & to go speak wit the merchants about it..

      Business Response

      Date: 03/28/2024

      Mechanics Bank is in receipt of the complaint that ******************** filed with the Better Business Bureau (BBB) on March 18, 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. Our records reflect previous correspondences were mailed to ******************** on January 31, 2024, and February 14, 2024, regarding the matter.  We have prepared a formal response to the BBB complaint and mailed the correspondence to ******************** on March 28, 2024. We invite ******************** to reach out to us directly at ************** should he have further questions.

    • Initial Complaint

      Date:03/01/2024

      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 MECHANICS BANK AUTO FINA, I do not have a contract with MECHANICS BANK AUTO FINA , they did not provide me with the original contract as I requested.

      Business Response

      Date: 03/04/2024

      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 in order to investigate your request to correct your credit report, please respond to ****************************************** with the error you want fixed, including the account number for any account you may be disputing, a clear explanation of why you are disputing the information,a copy of the portion of your credit report that contains the disputed items,with the disputed items circled or highlighted, and copies of documents that support your position.

    • Initial Complaint

      Date:02/25/2024

      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.
      The repo company that they used open my gate and repossessed my vehicle that was parked in the back yard. They never knocked on my door to get permission to come onto my property.

      Business Response

      Date: 03/04/2024

      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 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 she may have.

    • Initial Complaint

      Date:02/15/2024

      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 a check deposited and they are saying they couldn't give me the cash for 10 business days and would not verify with my bank to clear the check . Please help! I have bills to pay today!

      Business Response

      Date: 02/16/2024

      Mechanics Bank actively tracks consumer complaints and takes every voiced concern seriously. Unfortunately, with the personal information provided such as name, address, phone number and email address, we were unable to locate an account. Please contact our **************** directly at ************** in an effort to assist with your concerns.

    • Initial Complaint

      Date:02/07/2024

      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 am trying to do an external transfer of funds through my bank Mechanics Bank. I am supposed to be able to do it online, but the portal requires a cell phone to verify security of transactions. The account information includes an old land line number, and I was not able to change it online. I called customer care, who was not able to change it for me either. They informed me that this is a technical glitch that the Bank has been experiencing for several days and is trying to fix. The representative also said that they did not know when it would be repaired. She told me to go to a bank branch to do the transfer, and that to do that I would be charged a $30.00 fee (this fee is not charged if you do the transfer online). I asked if someone could waive the fee, given that I am unable to do this transaction online due to the Bank's inability to fix this issue. She said no. So, I'm unfairly being charged a fee, to do a transaction, that I am unable to do online. By charging me a branch fee, instead of helping me fix this online problem, the bank is basically making it difficult for me to access and move my funds externally due to a technical problem they have not been able to fix.

      Business Response

      Date: 02/16/2024

      Mechanics Bank actively tracks consumer complaints and takes every voiced concern seriously. Our records reflect management was able to make contact with you on February 7, **** and was able to assist with your concerns. We have also prepared a formal response and mailed the correspondence to you on February 16, ****. We invite you to reach out to us directly at ************** should you have further questions.

    • Initial Complaint

      Date:02/05/2024

      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.
      We had a financed vehicle through Mechanics Bank, I was already given a very high monthly payment amount for the vehicle in the amount of roughly $713.00 per month given my credit score and payment historically at the time of purchase. Because it was for 36 months I decided to move forward with the purchase. I have paid mechanics bank Almost $30,000 dollars for the truck with only about $8000 left owed. I fell behind on my payments due to unforseen occurrence with the Economy and started working with a few different agents within Mechanics bank's departments, ***, then ****** then *******. My wife and I had an verbal agreement with them to pay $200 per week until we were able to get caught up on the payments which totaled $800 per month which was more than my actual monthly payment. Things have been going this way for some months now and on January 24th ****, I made a payment in the amount of $300, and was scheduled to make another payment of $200 on February 2nd ****. After receiving the $300 payment on Jan 24th, Thursday February 1st **** Mechanics bank had my truck Repossessed and then informed us to make a police report and tell the officers it was stolen when we called and asked if they had Repossessed the vehicle. Upon speaking with officers and obtaining security camera footage we learned Mechanics bank hired a ************* We spoke with a Fast talking rude Rep named ***** who informed us we were behind $1840.47 excluding late fees but now for the wrongful repossession and miscommunication within their **** we have to pay repo fees, and a daily yard fee to get our vehicle returned which should never have happened due to the agreement we had for weekly payments prior. We would like to get our vehicle returned back to us and have the opportunity to pay our past due balance without the additional repo fees caused by Mechanics bank miscommunication internally. It seems as if they waited until the vehicle was almost paid off only to take it back!

      Business Response

      Date: 02/09/2024

      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 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. In addition, records confirm that on February 5, ****, Mechanics Bank agents were able to speak to **************** in an effort to assist with his concerns. We value the relationships that we have built with our customers and invite **************** to reach out to our ********************** directly ************ for any further questions or concerns he may have.

      Customer Answer

      Date: 02/10/2024

       
      Complaint: 21250986

      I am rejecting this response because: Mechanics bank accepted partial payments from me continuously up until on or about Jan 26th ****. My next partial payment agreement was scheduled for February 2nd **** but before I could make my payment Mechanics bank scheduled for a repossession February 1st **** without notification, they did not send a letter regarding repossession.  The phone number they've provided is very difficult to reach a representative previously upon repossession of the vehicle I called the number over 20 times on February 5th **** and was unsuccessful with reaching their ****************** until I reached out to the last known agent ******* who had to send them several emails internally just to get a response.  Mechanics bank then had a very rude ( cut throat) Agent named ***** respond back via phone requesting over $3000 on the spot via ************* or money gram for the vehicle.  All of this came as a shock to us given numerous phone recordings of Mechanics bank agreeing to work with us by accepting weekly payments of $200.00 and then Repossessed the vehicle without warning after receiving the weekly payment in the amount of $300. Now the vehicle is up for Auction and we're out close to $30,000 for their internal miscommunication! When I reached out to them they acted as if they had no idea of the repossession and prompted us to make a false police report to report the vehicle as stolen which turned out not to be true. Also the company they hired to take the vehicle damaged our garage in the process which was also noted by the police department that came out.

      Sincerely,

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

      Business Response

      Date: 02/15/2024

      please see attachment. 

      Customer Answer

      Date: 02/15/2024

       
      Complaint: 21250986

      I am rejecting this response because:Promises were not consistently broken, IF any changes to the partial payment agreement was to be changed the agent ******* was notified and made notes of changes to the payment agreement. A payment was received in the amount of $300 

      One week prior to repossession 

      The letter to make us aware of selling the truck by Mechanics bank was mailed out AFTER REPOSSESSION NOT PRIOR! 


      As for Mechanics Bank instructing us to contact police, it was in fact stated both by ******* and firstly by an agent contacted on Feb 1st since Mechanics bank supposedly records phone calls they should review the phone call made on Feb 1st **** on or around 4pm CST MADE TO THEIR COMPANY when they were asked if they'd Repossessed the vehicle both agents stated they did not have it and instructed us to contact police and report the vehicle stolen! 


      This was recorded on our police report with Officer ***** whom conducted the investigation after we spoke with Mechanics bank.


      We were not given any notice of intent to repossession of the vehicle when My wife spoke with the agent ******* letting her know we'd be paying the $300 that Mechanics bank accepted and then Repossessed the vehicle shortly after! 


      If Mechanics bank wanted to follow-up protocol and knew they'd hired a private company to come pick the vehicle up then they should have sent notice of repossession prior to February 1st **** and should not have accepted a further partial payment  a week prior to repossession of the vehicle per the agreement made! 

       

      I've enclosed snaps of the payment made 1 week before mechanics bank Repossessed the truck and snaps of my conversation with the officer that made our police report 

      Because the truck was very close to the garage at the time of repossession the officer believes they didn't notice it bumping into the door when they hooked the truck up to haul it away, Mechanics bank should be held responsible for those damages since they were the hiring party.



      Sincerely,

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

      Sincerely,

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

    • Initial Complaint

      Date:02/04/2024

      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 disputing unauthorized and unverified accounts on my credit report under 15 U.S. Code ****i, invoking FCRA protections. Despite providing documentation from the police, FTC, and CFPB, the credit bureau failed to reciprocate, lacking transparency in their reinvestigation. They withheld the identity of the verifier, violating ****i(a)(1)(A), and dismissed my dispute as "frivolous," contrary to FCRA guidelines. This neglect of due diligence and refusal to comply with FCRA requirements necessitates an immediate and thorough removal of unverified and unauthorized accounts and adherence to legal procedures for a prompt resolution requesting to remove the following ******************************* Auto----ACCT# **********************# $4,223

      Business Response

      Date: 02/09/2024

      Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We would like ************** to know that upon receipt of his new 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 ******** *************************** at ************** or by email at ********************************************** should he have further questions or concerns.

      Customer Answer

      Date: 02/10/2024

       
      Complaint: 21246097

      I am rejecting this response because I have diligently reached out to the Auto *************************** at ************** and via email at *********************************************** expressing my dissatisfaction with the process. Despite submitting comprehensive documentation, including my police report, there has been no resolution or clarification regarding the basis of my complaint. The lack of progress in addressing the issues outlined in my submission is a source of considerable disappointment.

      Sincerely,

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

      Business Response

      Date: 02/14/2024

      please see attachment

      Customer Answer

      Date: 02/16/2024

       
      Complaint: 21246097

      I am rejecting this response because:

      ok I have sent the docs as requested and proving docs as requested this has ruined my life for me and my kids !

      I will be waiting a hope for this to be taken care of thank you!

      Sincerely,

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

    • Initial Complaint

      Date:02/02/2024

      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.
      For the last four years, I have held an account with ********************** Auto Finance. Over the last year, I've paid over the standard amount for my auto loan with hopes to pay the loan off sooner. When I went back to review my payment history, I noticed that the funds were not being applied to the account. A called was placed to customer service to find out what the problem was regarding the information not being noted on my account. When I spoke with the customer service person, she stated that when a payment is made and it is over the amount, the additional amount is not applied to the principle or the interest, it stays in the account for six months until the consumer sends an email to tell the finance department where the additional funds should be applied. I asked what happens to the funds if the consumer does not reach out to the bank? Does the bank then notify the consumer, she stated no. I asked, is the money then returned to the consumer, her response was again, no. I said that seems unfair to the consumer, if that is the policy and we are notified, we should receive a call or a notice stating that the funds have not be distributed. I asked her what happens to the funds after the six month is nothing has been done. She stated that the funds stay with the bank. So, if a customer pays on average $50 to $100 above the standard monthly payment on a car payment and does not notify the bank nor does the bank notify the customer. The bank in turn earns not only interest but the banking institution earns/receives additional funds from it's customers who were attempting to pay off a debt. I asked the ** Rep, what happens if I contact you after the six months, she said you lose any additional funds that are over the six months that you've paid and if you have other payments within those six months. those will be applied to your balance. I went over my statements and there is no notation on the statement of an overpayment to flag the customer.

      Business Response

      Date: 02/07/2024

      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. Please note that on February 2, ****, Mechanics Bank made 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.

    • Initial Complaint

      Date:01/17/2024

      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.
      Mechanics Bank continues to break the law and violate my rights as a consumer under FCRA. I am a victim of ID theft. I provided Mechanics Bank with all the necessary documentation as recommended by the *** (Police Report, *** Affidavidt) to remove this auto loan from my consumer report. I have received letters stating they can't verify my Identity when they have received all proper documents. I am at a point now were I have to hire an attorney and take this company to court and have them pay for damages due to my consumer report. All of this is from an Auto loan that is 9 years old.

      Business Response

      Date: 01/19/2024

      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 in an effort to resolve this matter, on January 19, ****, our Account Servicing Unit team mailed our Identity Theft Package to the address **************** provided in the complaint notifying him of the information needed to further investigate this matter. We encourage **************** to return the requested documentation or contact ******** *************************** at ************** or by email at ********************************************** so we may further assist with his concerns.

      Customer Answer

      Date: 01/20/2024

       
      Complaint: 21157962

        I am rejecting this response because:

        Mechanics Bank does not actively take complaints seriously. The reason I had to make a complaint on the BBB website is that their "Identity Theft" packet asks for documents and information that are not accessible or even required by FTC guidelines. They have received all the information they need to fix the issue. I want to make sure that other consumers do not run into the same issues that I have when buying a car. No one should have to deal with a company who doesn't take identity theft seriously. Companies like Mechanics Bank that go out of thier way to avoid helping consumers for their own gain should not be in business. Please choose a different, more reputable bank during your next loan. 

      Sincerely,

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

      Business Response

      Date: 01/23/2024

      We regret that you were not happy with the response you received and thank you for allowing us to investigate this matter further. We would like **************** to know Mechanics Bank is not in receipt of specific information required to complete the Identity Theft investigation. We encourage **************** to return the requested documentation or contact ******** *************************** at ************** or by email at ********************************************** so we may provide the specific information requested to continue with the Identity Theft investigation.

      Customer Answer

      Date: 01/23/2024

       
      Complaint: 21157962

      I am rejecting this response because: the company has been mailed:

      1. Police Report 

      2. FTC Affidavit 

      3. copy of drivers license 

      4. utility bill proving address 

      with all these documents they have all the need to resolve the issue but they wont. They believe they cant do what they want and violate my FCRA rights and break the law. Its sad an attorney is needed to resolve these issues 

      Sincerely,

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

      Business Response

      Date: 01/25/2024

      We would like **************** to know Mechanics Bank requires pertinent information to complete the Identity Theft investigation. Representatives from ******** *************************** will be reaching out to **************** using the consumer information provided in the complaint to detail the specific information required to continue with the Identity Theft investigation.

    • Initial Complaint

      Date:01/12/2024

      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.
      My jeep was totaled in an accident on 12/04/2023 and I've filed a claim with my insurance company. Claim number: **********. Allstate is telling me that they need to receive a payoff quote over the phone from Mechanics Bank, however they do not answer their phones. Many companies have started to refuse to answer their phones due to the fact that they simply do not want to pay people to do so. I have tried on numerous occasions to call them and put them in touch with All State, however they DO NOT ANSWER THEIR PHONES. Allstate will not pay out my claim until they speak with someone over the phone. I'm at an impasse here, being punished for MB not answering their phones. I've offered to provide a payoff quote directly from their website, however Allstate will not allow it. This company needs to do right by their customers. I'm responsible for paying my auto payments on time however they can't provide Allstate with a payoff for a vehicle I no longer have. I will not make any further payments to Mechanics Bank as they are blatantly trying to make me continue payments until the matter is resolved. I will not. Something needs to be done about this as this is very shady business.

      Business Response

      Date: 01/19/2024

      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 Mr. ****************  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.In addition, we have confirmed that management has made numerous attempts to contact with Mr. ****************  per his request, however to date has been unsuccessful. We value the relationships that we have built with our customers and invite **************** to reach out directly to our Recovery Manager, ******************************* at ************  ext. ***** so she may assist with your concerns.

    Mechanics Bank is NOT a BBB Accredited Business.

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