Complaints
This profile includes complaints for Republic Bank of Chicago's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 13 total complaints in the last 3 years.
- 4 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:01/13/2025
Type: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 received a reimbursement from the Federal Pell ***** that my college (********************;*****************) issued directly back to me via check on 10/24/2024 and was fraudulently cashed at your institution on 10/29/2024 into Routing# ********* Account # **********. For $532.01. I have filed a report with my college and filed a police report with the ***** Report # ********. I did not endorse the check on the back nor authorize its cashing. The signature on the back is not even my name... I called your bank and I was advised they could not look into anything without me jumping through hoops. Please contact me at ************. I need the bank to investigate this fraudulent matter and disburse the funds back to me.
Business Response
Date: 01/21/2025
This message is in response to your correspondence concerning the above referenced issue. We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you. Thank you.Initial Complaint
Date:01/08/2025
Type: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 responsible for any debt with REPUBLIC/NC. I do not have a contract with this company, and REPUBLIC BANK did not provide me with anything signed nor any original contract when I requested it.Business Response
Date: 01/10/2025
This message is in response to your correspondence concerning the above referenced issue. Republic Bank of Chicago does not have any records related to your correspondence.Please verify the name of the company to ensure it has been routed correctly. Thank you.Initial Complaint
Date:10/16/2024
Type: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.
Due to this account being opened without my knowledge, Im not responsible for this debt to Republic ********************. I dont have a contract with ********** because they havent provided me with the original contract, despite my request. I have contacted them multiple times about this situation and nothing has been resolved.Due to this account being opened without my knowledge, Im not responsible for this debt to Net Credit. *** requested for the original contract, but *** received nothing.Business Response
Date: 10/18/2024
Please be advised that this complaint is addressed to Republic Bank and Trust, not Republic Bank of Chicago. Please update and route this complaint accordingly.Initial Complaint
Date:08/28/2024
Type: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.
Republic Bank approved a fraudulent $100,000 loan to an individual using my LLC. The scammer, ***************************, used falsified bank statements with ***************** which is not a bank my LLC uses, in order to show income that didnt exist. Account statements clearly show ***** spending the loan money through her linked Cash App account, written checks, and wires for large sums $15,000 at a time. The loan went into default when she stopped making payments, and I called the branch at ********************************************************** and notified them that I had not applied for any loan using my LLC formed in *********************. The bank refused to speak to me about the loan, because my name wasnt on the loan and proceeded to sue my LLC for the sum of *******. They need to pursue *************************** who received the money fraudulently and pursue criminal charges for loan fraud.Business Response
Date: 08/29/2024
"Complaint received".Initial Complaint
Date:05/16/2024
Type: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.
Im writing in response of one of your **** customers committing a serious *** check crime by theft. One of your **** customers forged their signature along with a co-signers signature on my sons *** Federal check. I have a copy of the signed check provided to me by the *** where your **** customer deposited my sons *** Federal check into their account there in Chicago. We live here in the *******, ******* area and we are not sure how your customer got my sons *** Federal check that was supposed to be mailed to my son, but we never received it. My mother has an audio recording dated 4/11/2024 when she called and spoke with one of your Republic **** of America representatives of Chicago informing her that one her your **** customers has committed *** Federal fraud by stealing my son's *** Federal check. Please help me to put a stop payment on my son's *** Federal check. This is a serious *** ****************** crime. The *** fraud department has been notified, the police have been notified, the Bank fraud department here, and the *** trade commission. Again, I have a copy of the check sent to me by the *** where your customer forged his signature and I have an audio recording enemy my mother called your **** in Chicago on 4/11/2024 informing your **** representative. My son is distraught as hes trying to save his money for college and he needs his money. Thank you very much for your help!Business Response
Date: 05/20/2024
This message is in response to your correspondence concerning the above referenced issue. We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you.Customer Answer
Date: 05/21/2024
Complaint: 21723356
I am rejecting this response because:
Sincerely,
***************************Business Response
Date: 05/22/2024
Claims on US Treasury Checks should be submitted through the *** Refund Hotline ***************, and you may need to complete Form 3911.
We apologize that we are unable to assist you any further in this manner as all claims must be submitted through the *** (contact information provided).
Thank you.Initial Complaint
Date:02/02/2024
Type: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.
The Bank had an insight card which was something like a green dot card. Get paid early with all direct deposits. Well I was just informed that they were closing all cards on Feb 28th. So I was waiting for my Feb Check and usually get it on the 26th of every month. Well after calling multiple times asking where the deposit was I was finally told the truth. They sent the check back THEOUGH THE MAIL!! Yes not electronic like they received it and they held the check until Feb 2nd. This is a VA disability check. It makes my rent, utilities , and livelihood possible. Now it will be nearly 2 weeks late. I have 5 credit card *** that will now fine me $30 each for being late. I have no way to get food, or gas. And I had 2 weeks to set up a payment plan on a vehicle that was wrecked and an amount not covered by my Ins. So they will now take me to court for money that I could have set up a payment plan with. Im beyond disappointed and disgusted. And to make matters worse, I learned they were taking $50 out of every check each month for nearly 6 years!!! Im going to file a suite of the funds arent returned to me by mail ASAP. My name is *************************** my address is ******************************************** and number is ************ I would like every fee, and any money taken returned in full for the last 7 years of banking with you.Business Response
Date: 02/05/2024
This message is in response to your correspondence concerning the above referenced issue. We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you.
Thank you.Initial Complaint
Date:12/17/2023
Type: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 tried to use The **** mobile banking app to cash a check and said it was loading. I talked to ************** whom issued the check and they showed me where my check had cashed into Republic Bank of Chicago. I have no affiliation with the Republic Bank of Chicago.Business Response
Date: 12/20/2023
This message is in response to your correspondence concerning the above referenced issue. We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you.Initial Complaint
Date:11/25/2023
Type: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.
During the month of September, starting 09/06/2023, someone hacked my bank card and began trying to take money from my account without my knowledge. It wasn't until 09/29/2023, $343.00 was taken from my account. I received a notice via text that the amount was withdrawn from my account. I made contact with the bank and spoke with a CSR named **** and was connected over to the dispute center where I then spoke to ******. I was told that paperwork would be sent to me to fill out. I was able to print the papers, fill then out and fax them back to the bank. I was told that other forms would be sent but I never got any other forms. While my waiting to receive more papers, I checked my email on 10/30/2023 and saw that I had received an email, dated for 10/19/2023 stating that they had come to the conclusion that the transactions were completed by the authorized user(me). I then made contact with a guy from the banks dispute department. He stated that from his computer that "they" had decided that I withdrew from my own account. I then asked him, "who are they" & wasn't he the one looking into my dispute. He acted as if he wasn't able to give me a definite answer nor proof of their findings when asked. I was then placed on hold for over an hour. I hung up the call because no one ever came back to the phone.Business Response
Date: 11/28/2023
This message is in response to your correspondence concerning the above referenced issue. We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you.
Thank you.Initial Complaint
Date:06/16/2023
Type: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.
Subject: Complaint Against: Republic Bank I am writing to file a formal complaint against Republic Bank regarding the imposition of a prepayment penalty on my loan. 1.Bank *************************************** ******************************************************************** ************ Loan Number: 5741000-1 2.Description of the Issue: I entered into a loan agreement with Republic Bank on 3/1/2010 for a loan of $360,000. The agreement did not provide any clear information or options regarding accelerated payments or prepayment penalties. However, when I approached the bank to discuss terminating my contract with ******************* I was informed that the bank required accelerated payments direct from Allstate. I had no choice but to let Allstate pay Republic Bank 100% of each months payments directly and receive no funds to live on until the loan balance was paid off. Once the loan was paid off, the remainder of the payments would go directly to me. However, Republic Bank was paid on their terms and no money going to me for 5 months. Final payment Republic Bank did take the $1,670.21 as a pre-payment penalty. I feel with me not having any choice I should not be penalized and deserve that money back. It seems immoral and unethical to demand accelerated payments and then charge me a penalty for doing so.3.Attempts to Resolve: I have made attempts to negotiate with Republic Bank regarding the prepayment penalty. I was informed that the prepayment penalty was a standard provision in their loan contracts and could not be waived or modified.4.Desired Resolution: I request that Republic Bank waive the prepayment penalty imposed on my loan. As a customer, I should have the right to make accelerated payments or pay off my loan while being subjected to additional charges or pay the monthly payment and not be subject to that penalty. I was never given the opportunity to make the month installments and not get charged that fee.Business Response
Date: 06/21/2023
This message is in response to your correspondence concerning the above referenced issue. We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you. Thank you.Customer Answer
Date: 06/27/2023
Complaint: 20197714
I am rejecting this response because: I have received no response from Republic Bank, as they stated a representative would be reaching out to discuss. Never received that call, nor missed any calls.
Sincerely,
*********************Business Response
Date: 06/29/2023
Republic Bank of Chicago is reviewing your complaint and will be providing a response to you shortly. Thank you.Customer Answer
Date: 07/08/2023
Complaint: 20197714
I am rejecting this response because: Still don't have a response from Republic Bank.
Sincerely,
*********************Business Response
Date: 07/11/2023
Thank you for your patience you should be receiving a response in the mail.Customer Answer
Date: 07/12/2023
the
Complaint: 20197714
I am rejecting this response because: A copy of the contract that was signed in 2010 was mailed to me. I reject this as an unfair and deceptive practice. I will be submitting a complaint to the New York Attorney General if there is no further consideration as to a refund of the prepayment penalty that was charged when I could have made the monthly payments until the loan was satisfied. Republic Bank demanded early payment and then charged the prepayment penalty. This is not ethical nor moral.
Sincerely,
*********************Business Response
Date: 07/13/2023
This message is in response to your correspondence regarding the above referenced issue. We are sorry that the outcome of terminating your contract did not meet your expectations. ******** acted according to the terms and conditions of the loan you had with us as detailed in our written response to you.
Thank you.
Customer Answer
Date: 07/17/2023
Complaint: 20197714
I am rejecting this response because: Just because you send me a letter stating the contract was fulfilled does not mean this complaint is complete. This complaint has to do with the immoral and unjust fee processed. I am not sure how it was legal to proceed with this fee but I will be filing a complaint in each state as to Republic Bank not acting ethically or morally responsible. Unsure what the BBB did to help, however, I will exhaust every avenue possible.
Sincerely,
*********************Initial Complaint
Date:12/15/2022
Type: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.
On 10/07 I had to file a dispute in the amount of $676. On 12/14 Revolve Finance sent me an email that they had posted a permanent credit in the amount of $676 to my account. After checking my account I see 2 transactions from STAR chargeback on my account. Each transactions offsetting each other. I have been trying to get this corrected and have had no luck. It's I'm possible to speak with a supervisor. And I thought according to Regulation E was the credit was offered by the bank they had to post it to the account at the time period they offered the credit. I've provided proof of screenshots to prove the issue I'm having. My account can be located by my email, *******************Business Response
Date: 12/16/2022
This message is in response to your correspondence concerning the above referenced issue. We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you.Customer Answer
Date: 12/23/2022
Complaint: 18578126
I am rejecting this response because: nobody hasnt called per their message. They are a multimillion dollar company and can't handle business properly. Also the calls that I had gotten from the bank before I filed a complaint where coming in as a private number. Why does this bank hide their numbers from their customers
Sincerely,
*********************************
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