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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:12/22/2023

      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.
      My father died April 1st of 2023. We are trying to pay off his Truck. Mechanics bank is refusing to give us a pay off and we also need to be assured once we do pay it off that they send the title to the address we have instructed them to. We have spoken to a gentleman named *****, and his number is *************. The account number is *********** under *********************.

      Business Response

      Date: 12/28/2023

      Mechanics Bank (the Bank) is in receipt of the complaint that **************** recently filed with the Better Business Bureau (BBB) on December 22, 2023. 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 spoke with **************** on November 30, 2023, and explained the banks process for ****************** request and confirmed Mechanics Bank has complied with bank policy and procedures.  At this time, the explanation provided herein, Mechanics Bank will consider this matter closed,should you have any further questions or concerns; please contact us directly at ************.

    • Initial Complaint

      Date:12/19/2023

      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'm a victim of identity theft, and I've noticed suspicious activities and unauthorized transactions linked to my identity. I've already filed a police report, but I need help resolving this issue. My objectives include recovering my financial losses, clearing my name, and requesting assistance in removing this account from my credit report. I hope you can help me with this matter.-----------------------------------------------MECHANICS BANK ******* Account Number ***************** Date Opened 06/28/2018 ---------------------------

      Business Response

      Date: 12/21/2023

      Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We would like **************** to know that the information provided has been forwarded to ******** *************************** so they may conduct an investigation and they will communicate the results of the investigation to you directly.

    • Initial Complaint

      Date:12/14/2023

      Type:Customer Service 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 express my dissatisfaction with the service provided by Mechanics Bank and to file a formal complaint. My recent experience with the bank has been frustrating and unproductive, and I believe it is essential to bring these issues to your attention.Yesterday, I had to navigate through three different levels of the bank's customer service in an attempt to release funds to a body shop. Mechanics Bank has a policy stipulating that work must be completed before funds are released. While I understand the policy, my concern lies in the lack of transparency and the financial burden it places on small businesses.What perplexes me the most is the inability of any representative to provide more than a one-sentence explanation of this policy. The body shop, in question, required the funds to purchase essential parts for the work. Despite my role as the one funding the insurance premium through my hard-earned dollars, the bank appeared unwilling to consider any alternatives that would facilitate a smoother process.Moreover, the first two escalation levels were unfamiliar with the Better Business Bureau, and the third level, seemingly unaccredited, displayed a blatant disregard for my concerns. Following my interactions with them, ********* assured me a callback from *****************, the fourth-level escalation. Regrettably, I am yet to receive a response from ***************This lack of communication, transparency, and follow-through on the part of Mechanics Bank is deeply concerning. I believe that a financial institution should prioritize effective customer service, especially when it comes to addressing legitimate concerns raised by its clients.I feel compelled to share my experience and caution others. If given the choice, I strongly advise against selecting Mechanics Bank, even if the initial rate appears favorable. The rate, in this case, is overshadowed by the poor service, unresponsiveness, and the seemingly indifferent attitude towards customer issues.

      Business Response

      Date: 12/21/2023

      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. In addition, our records reveal that our management team responded to the request for a call back, unfortunately to date we have not been able to make contact with **************. We encourage ************** to contact our Recovery Manager,******************************* at *********************** so we may further assist with his concerns.

    • Initial Complaint

      Date:12/06/2023

      Type:Billing 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.
      This is what I sent them through email and told them in person and through numerous calls and still no assistance Hey mechanics bank, I hope this message finds you well. I am writing to bring to your attention an issue regarding a late payment charge that was wrongly applied to my account. On October 16, 2023, a payment was made and successfully posted, which was confirmed by my bank. The payment in question cleared and can be verified through the attached bank statement for that specific date. Despite this, I have noticed that a late payment fee as well as the full amount for that date has been levied on my account. I am kindly requesting that you review my account and rectify this error promptly. I have attached the necessary bank statements highlighting the cleared payment made on the aforementioned date for your reference. I believe this discrepancy is an oversight, and I trust that your team will efficiently investigate and correct the charge accordingly. Please confirm receipt of this email and advise on the steps to rectify this issue at your earliest convenience. I appreciate your prompt attention to this matter. Thank you for your assistance in resolving this dispute. Sincerely, ******************************* #*********** You can reach me at ************ I am writing regarding a discrepancy in the payment records for my account. I recently made my November payment, which I understand might reflect as covering Octobers payment. However, I want to clarify that Octobers payment was duly settled on the 16th of October, as evidenced by the statements. Should there be any confusion, I encourage you to contact my bank for verification. I kindly request that my account be updated accurately to reflect the timely payment made in October and that no credit penalties be applied, considering I have fulfilled this payment obligation and can provide proof upon request. Your prompt attention to this matter would be greatly appreciated.

      Business Response

      Date: 12/14/2023

      Please see attachment. 

      Customer Answer

      Date: 12/15/2023

      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:11/20/2023

      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 been affected by identity theft and have noticed unauthorized transactions and strange activities linked to my identity. I have filed a police report, but I am looking for additional assistance to tackle this issue. My goals are to recover my financial losses, repair my reputation, and obtain help in removing this Account from my credit report. I need advice and support in dealing with this matter.

      Business Response

      Date: 11/22/2023

      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 November 22, 2023, our Account Servicing Unit team mailed our Identity Theft Package to the address **************** provided in the complaint notifying of the information needed in effort 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.

    • Initial Complaint

      Date:11/14/2023

      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 fallen victim to identity theft and have observed unauthorized transactions and unusual activities associated with my identity. I've already lodged a police report, but I am seeking further help to address this problem. My objectives are to recuperate my financial losses, restore my reputation, and seek assistance in getting this account removed from my credit report. I am in need of guidance and support in handling this issue.

      Business Response

      Date: 11/22/2023

      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 November 22, 2023 our Account Servicing Unit team mailed our Identity Theft Package to the address **************** provided in the complaint notifying of the information needed in effort 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.

    • Initial Complaint

      Date:11/09/2023

      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 in a Major Multiple vehicles accident including a Gas tanker that exploded on August 2, 2023 in *****,***** my car was impacted from the back and buy another 18 ******* and was sent through that fire and the back Of my vehicle severely burned and damaged. my car was taken to a towing yard 12 hours later. The crash was under investigation for weeks however I contacted my insurance company and filed a claim the same day of the accident. I continued to make payments on the vehicle after the accident. Per the towing yard the car would be sold in auction within 45 days from the accident however my vehicle was repossessed Way before the 45 days. My insurance and I tried to contact mechanics bank with no respond no callbacks. This repossession should be removed immediately from my credit. I continued to make payments on my vehicle after the crash for that reason so it wont be repossessed. It is so unclear to me why this happened.

      Business Response

      Date: 11/22/2023

      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, procedures and regulatory guidelines. In addition, we have confirmed that on October 31, 2023, our management team was 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.

    • Initial Complaint

      Date:11/01/2023

      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.
      they are refusing to pay off my auto loan. they will not take the payment. they keep adding fees and will not take the payment. they want extra money I do not owe. they are refusing to send bills and have locked me out of the account they were not charging interest on the principal. they were taking extra money I did not owe and they will not allow me to complete my auto loan. I only owed $271. now it's $383 every rep asks for a different amount and will not send me a physical bill they will not let me have access to my records or my online accounts. they magically asked for $100 I do not owe and won't let me pay.

      Business Response

      Date: 11/07/2023

      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 his concerns and records reveal we complied with Bank policy and procedures, regulatory guidelines, and the terms of your Retail Installment Sale Contract. In addition, our records reveal that our management team has made attempts to make contact with **********************, however unfortunately has not been able to make contact with her. We encourage ********************** to contact management directly at ************* so we may assist with her concerns.

      Customer Answer

      Date: 11/09/2023

       
      Complaint: 20808469

      I am rejecting this response because: the business has not investigated anything. This is the reason for thousands of similar complaints.  I have made over hundreds of calls. I do not want to talk to their lousy reps anymore that yell intimidate and make threats to extort additional money not owed.

      Sincerely,

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

      Business Response

      Date: 11/14/2023

      Please see attachment. 

    • Initial Complaint

      Date:10/27/2023

      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.
      A vehicle that Mechanics Bank is the LEGAL owner of rear ended a vehicle that I own. The driver of the vehicle gave us a copy of a expired USSA insurance card for different vehicle, as well as his license and the registration. **** tells me that the vehicle was not insured. I called the legal owner, Mechanics Bank, and asked them how they would like to proceed. They say they are not responsible. According to Washington law, the legal owner IS responsible for the vehicle. This financial institution is attempting to ***** their responsibility in this matter.

      Business Response

      Date: 11/03/2023

      Mechanics Bank (the Bank) is in receipt of the complaint that ****************** recently filed with the Better Business Bureau (BBB) on October 28, 2023. 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, the Bank made contact with **************** on October 30, 2023 and explained that the bank complied fully with all applicable laws, rules and regulations and Mechanics Bank has no liability under Washington law for an accident created by a vehicle for which Mechanics Bank is merely legal/ title owner where it was financed and there is a registered owner. At this time, the explanation provided herein, Mechanics Bank will consider this matter closed, should you have any further questions or concerns;please contact us directly at ************

    • Initial Complaint

      Date:10/16/2023

      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 have been out of work for three months bc I had hip surgery and have only been making half my pay with my short term disability. I called the end of September to attempt to get an extension and was told I had to immediately make a payment so I could skip October's payment. I was told it would take a few days for my payment to clear then I would get an extension. Whoever I talk to lied to me as I was never approved for an extension. I called again this past Friday and attempted to get an extension so my payment wouldn't be 30 days past due. My church paid half my payment, so I was only half a payment behind. I was told it could take 72 hours for the extension to show up. As of right now, I am behind *************************************************************** for my circumstances. I told them I could pay the other half when I get paid Oct 27th but they refused to allow me to do that. Rather than work with me, they have chosen to not let me pay half Oct 27th or skip a payment. I am aware I skipped a payment in January but since I have been getting half my pay, I've barely been able to pay any of my bills. My rent is **** alone.

      Business Response

      Date: 10/20/2023

      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 his concerns and records reveal we complied with Bank policy and procedures and regulatory guidelines. In addition, our records reveal that our management team has made several attempts to make contact with ******************, unfortunately to date we have not been able to make contact with her. Please note that Ms. ******** account is in special handling and encourage her to contact management directly, *************************** at *********************** so he may assist with her concerns.

      Customer Answer

      Date: 10/20/2023

       
      Complaint: 20738081

      I am rejecting this response because: they lied. Nobody has attempted to reach out to me AT ALL except an email telling me my payment is late, which we all know already. That response is garbage. They haven't tried to help me, regardless if it abides by bank regulations or not

      Sincerely,

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

      Business Response

      Date: 10/27/2023

      Please see attachment.

    Mechanics Bank is NOT a BBB Accredited Business.

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