Complaints

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

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  Mechanics Bank

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

• 

  Mechanics Bank

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

• 

  Mechanics Bank

  279 Arlington Ave Kensington, CA 94707-1401

• 

  Mechanics Bank

  683 Parker St Rodeo, CA 94572-1434

• 

  Mechanics Bank

  2301 Shattuck Ave Berkeley, CA 94704-1516

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/10/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Never sent a statement for April 2023 tried explaining that information to the customer service rep on the phone before making my last payment with this company. RUN DO WALK AWAY FROM DOING BUSINESS WITH THEM. I asked for a manager was passed to a supervisor ******* that just kept cutting me off and being a smartass about asking every detail about my address on multiple occasions. I asked for her supervisor which she named as ****** and she said that no manager is available. I was trying to explain to her that the customer service person kept telling me I was emailed the statement after letting her know that I am mailed a bill. Their site was telling me to pay 478 and when I called it said 213 and some change. This bank will not take certain payments online or online is not a available so you have to call in to get charged an extra 10 dollars. I use to mail my payment but did not get statements to do ********** then they would hit me with a late fee. I need ****** to call me.

  Business Response

  Date: 05/15/2023

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We would like to thank ************** for reaching out to ** and allowing ** to investigate this matter. We would like ************** to know that upon receipt of his complaint, our management team reviewed all relevant information connected with his concerns. We have confirmed that on May 11, 2023 our management team was able to make contact with ************** and was able to assist with his concerns. We value the relationships that we have built with our customers and invite ************** to reach out with any further questions or concerns he may have.

• Initial Complaint

  Date:04/04/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am an American with a hidden physical disability seeking reasonable accommodations in the proper venue. please cease blocking regular vendors such as for rent and storage and phone service. Please increase you firewall so as not to pass fraud security issues on to the customer. **** of American doesn't have these problems. should i take my business elsewhere?

  Business Response

  Date: 04/14/2023

  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 her complaint, our management team reviewed all relevant information connected with her concerns and a written response has been prepared and mailed to ****************** on April 14, 2023.  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 **************.

  Customer Answer

  Date: 04/14/2023

  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:04/01/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Mechanics Bank website down for maintenance on first of month when I make my payments, I called them on the phone to make a payment but found I will have to pay an extra fee for phone payments. So i am either stuck with accruing more interest on the loan or extra fees for making a phone payment. There was also no warning or email about maintenance.

  Business Response

  Date: 04/04/2023

  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 our website was fully functional on April 1, 2023 and no extra fees were assessed on the account. 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:03/17/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company employed a tow company that did damage to vehicle and stole my money and personal items. The auto loan was also paid off almost 30 days ago and the bank has not sent me a paid in full letter or the title to the vehicle. I have called a number of times to request and sent multiple emails to customer service requesting but they have continued to ignore my requests and has refused to send me anything. I have paid this Bank over $35,000 to payoff my vehicle to a $0 balance and instead of providing the paid in full letter within 10 days per ** law, they are reporting account payments "late" on my credit report. I don't understand how a billion dollar institution can be allowed to do this. There are also reports that the *************** of this bank is shutting down and I am very afraid that they are deliberately refusing to provide a paid in full letter and title.

  Business Response

  Date: 03/23/2023

  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, Mechanics Bank management is conducting an in depth investigation of all the issues raised to us directly and will be providing a response to *************** directly to the address on record. 

  Customer Answer

  Date: 03/27/2023

   
  Complaint: 19612886
  
  I am rejecting this response because:

  The response provided by Mechanics is a duplicate and redundant, they have stated on a number of occasions that they would contact me regarding my complaints and have failed to do so.  It has been well over a month and no further communication has been received.  They are now attempting to "resolve" the issue by stating the exact duplicate response to you.  This should be unacceptable as the issue of them continuing to not take any action and sending duplicate messages, is feeding their negative Compliance.  I spoke to a Manager, who only identified as "*****" with no last name or employee number, who assured me that she would research and get back to me, that was over 2 weeks ago and she refused to give a number or email that I could follow up with.  I have completely exhausted my resources and I will not keep calling customer service where I get transferred around and hung up on.  At this time, I am pretty certain that they have this account flagged to render as much confusion and havoc as possible as a way to deter me from resolution.  Unfortunately, this is one of their debilitating tactics that they use to discourage customers, leaving them helpless and eventually, they just give up and go away.  Please hold them accountable for this as if you do not, it sends the message that their practices and actions are not only acceptable but it further allows another Billion dollar financial institution to "steamroll" over the "little guy" leaving us to be left with picking up pieces broken by a company whose primary goal is to do as much damage as possible without receiving or facing any type of punishment, backlash, or consequence for their disgusting actions.  
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 03/30/2023

  Mechanics Bank actively tracks complaints and takes every voiced concern seriously. We regret that **************** was not happy with the response she received. We would like **************** to know that our management team is in receipt of correspondence received directly from her and is currently reviewing all relevant information connected with her account. Upon completion of the review, Mechanics Bank will mail a detailed response directly to ****************.

  Customer Answer

  Date: 03/31/2023

   
  Complaint: 19612886
  
  I am rejecting this response because:
  They are still negatively reporting on my credit, now it showing 90 days delinquent, up from 60 days. My credit score is continually decreasing and the loan was paid off 2/25/2023. There is also significant damage to my vehicle due to the them towing it. They have also failed to return any calls

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

• Initial Complaint

  Date:03/07/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  02 23 2023 I rang consumer department to close my bank account they said they would close it immediately and send me a cash that is check I did not receive a check I rang on the 2nd of March and I was told it took up to 30 days initially I was told I would have a check within 5 to 10 business days now I'm getting running around I run today 7th of March and everything changed again so I'm tired of the ** and the runaround I want my money if it was your money you would have to repose and the feds and everybody else surrounding my house and after me sorry but I have had a guts full of the lies that are coming out of the bank staff and I was promised the ringback twice today from a supervisor that has not happened I want my money there's a ***** and a *** go past my door everyday put it an envelope and send it to me forth with thank you *******************

  Business Response

  Date: 03/17/2023

  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 has been prepared and mailed to ************ on March 17, 2023.  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:03/07/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My vehicle was reposed March 3,2023, and I filed a report with ****** police department thinking maybe my vehicle was stolen. After finding out my car indeed had been impounded by mechanics bank, i reached out to them to figure out where my vehicle was being held, so that I could grab my belongings. I explained to them I do have a registered firearm in the vehicle amongst other items. They STILL have not released the whereabouts of my vehicle, and the impolite woman who represents that company told me its a first come first serve via email. I dont know what that means, but this has caused slight trauma and anxiety. They told me they have no ETA on when I would receive information on my vehicles location. That is out of order and as stated above, it is now causing anxiety.

  Customer Answer

  Date: 03/08/2023

  I filed my car as stolen yesterday to the ****** police department, and as the officer was leaving, he called me and told me that mechanics bank sent the proper documentation and paperwork that they were supposed to have filled out BEFORE taking my vehicle. And in that paperwork that they sent out, (after I filled a complaint to BBB and reported my vehicle as stole. Because they STILL HAVE NOT TOLD ME THE WHEREABOUTS OF MY CAR), they claimed they repossessed my vehicle on March 5,2023 instead of March 3,2023(which that is a lie) 

  Business Response

  Date: 03/15/2023

  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 and regulatory guidelines. In addition, our records reveal that our servicing representative responded to the request for a call back, unfortunately to date we have not been able to make contact with ***********. We encourage ************ call ************ and ask for our Remarketing Team so we may further assist with his concerns.

• Initial Complaint

  Date:02/26/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  An item has been furnished to my Consumer Report without my consent on 01/23/2023. This is an initial notification to ************* Auto. Account# *********** for not providing me with Pursuant 15 USC 6802(b) as a consumer which give me the right to "OPT-OUT". They have committed not only fraud but, identity theft on behalf. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates ********************* ****** for failure to safeguard my personal ************************ on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. TransUnion, Experian, Equifax are non-affiliated third companies & an invasion of my right to privacy. Located on ***************************************************************************** If this information is not removed from all consumer reporting agencies & any other 3rd company promptly. I will pursue civil action lawsuit.

  Business Response

  Date: 03/06/2023

  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 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.

  Customer Answer

  Date: 03/07/2023

   
  Complaint: 18895914
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

   

  Reach out through mail? Phone?

  Business Response

  Date: 03/09/2023

  please see that attached response 

  Customer Answer

  Date: 03/10/2023

   
  Complaint: 18895914
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

  
  

  Never received anything in the mail any return receipt? Where are my 3 disclosures to opt-out of sharing personal information under 15 USC 6802(b) & Gramm *********************** ACT privacy notice of opt-out. They are sharing with 3rd party companies. That how information gets leaked.

• Initial Complaint

  Date:02/20/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a vehicle from ****************, ******************************************************************** on end of November 2022. They had me finance my 2018 ****** Frontier with Mechanics Bank Auto Finance. I set up an auto draft for the payment each month.The company is still telling me they cannot draft the payment. I've had to manually send them payments by cashiers check and then I went to the dealership and they called Mechanics on the phone and I paid them on the phone with my credit card.I need them to fix my payment so it drafts out of my checking account on the 4th of every month.

  Business Response

  Date: 02/28/2023

  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 her concerns and records reveal we complied with Bank policy and procedures and regulatory guidelines. We have confirmed that on February 21, 2023, our management team was able to make contact with ************** and was able to assist with her concerns. We value the relationships that we have built with our customers and invite ************** to reach out with any further questions or concerns she may have.

• Initial Complaint

  Date:02/04/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Mechanics Bank and do not have a contract with convergent. They did not provide me with the original contract like I asked.

  Business Response

  Date: 02/07/2023

  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 his complaint, our management team reviewed all relevant information connected with his concerns. Regarding the account on file with Mechanics Bank Auto Finance (formally known as CRB Auto), our records reveal we complied with Bank policy & procedures and Fair Credit Reporting Act (FCRA) requirements.

  Customer Answer

  Date: 02/11/2023

   
  Complaint: 19332197
  
  I am rejecting this response because:In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights and confidentiality under 15 USC ****.
  
  
  15 U.S.C **** Section 602 A. States I have the right to privacy. 
  
  
  15 U.S.C **** Section 604 A section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions. 
  
  
  15 ***********. (a)(5) Section states: No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.
  
  
  15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
  
  
  15 U.S.C **** E- compliance procedure.
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 02/22/2023

  please see attached response. 

  Customer Answer

  Date: 02/24/2023

   
  Complaint: 19332197
  
  I am rejecting this response because: Mechanics Bank is stating false information . If you read the **** guidelines that were stipulated in the last message, it is very clear you are violating my consumer rights under multiple federal laws. You **** expressed that the said account was charged off. Meaning, your company got a tax brake for the full amount of money that was charged off. When a company charges off or sells a debt or both. They forfeit the right to collect said debt. Furnishing a account to someones credit report with inaccurate information information knowingly and willing is also against the law. Failure to provide me with the original contract or any other paperwork signed with my name is against the law. Furthermore, any account that violates my consumer rights in any way, is to be deleted from my credit report immediately under the law. 

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

• Initial Complaint

  Date:01/26/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a vehicle from ******** **** of ****************** on 12/23/2022. I went in with a preapproval from ************ but my loan was placed with Mechanics Bank without my permission. I have filed a BBB complaint against the dealership as well. The dealership advised me they placed my loan with this bank because they have a relationship with this bank. This bank is now limiting the amount I can pay in a 30 day period, indicating their system is not set up to take a payment over $2,999. This seems like the relationship between the dealership and the bank is for financial gain. By the bank not allowing me to pay over the $2,999, they are essentially holding my loan hostage so they can make more money off of the accrued interest. This should not be allowed. I would like to make a larger payment and am not allowed. This makes no sense.

  Business Response

  Date: 02/02/2023

  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 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.