Complaints
This profile includes complaints for Republic Bank's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 62 total complaints in the last 3 years.
- 19 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:01/20/2025
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.
Went in to Jeffersonville In republic bank on Jan 14th 2025, to cash a check that was giving to me from a retirement where I was terminated from a job. Check was placed on a two day hold. On Jan 17th I went into a different location to pull money out. The guy at the counter told me that he felt that how I received the check was fraudulent. That he had placed the check back on hold and taken the money back out of my account. Told me that he did not like what I said on how I received this check. I spoke with a manager of another bank and what he had done is something you can no do. It was placed in my account and then turned around and taken back out of my account. Allowing me not to be able to use the money. I did not have money to feed my children because he has taken the money out of my account because he did not believe how I received my check.
Business Response
Date: 02/06/2025
Please see the attached response.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 am filing this complaint against ********* and Republic Bank & Trust for failing to honor a settlement agreement entered into on December 7, 2022. Despite my efforts to resolve the loan, ********* has failed to provide me with settlement instructions, leaving the agreement incomplete. As a result, they reported an additional 24 months of late payments to credit bureaus, which has caused severe damage to my credit.
The failure to provide settlement instructions constitutes a breach of contract under ******* law (A.R.S. § 44-1001 et seq.) and violates the Fair Credit Reporting Act (****, 15 U.S.C. § 1681). These actions are fraudulent and deceptive, as ********* provided unclear terms and failed to follow through on the agreement, resulting in false credit reporting. Additionally, the original loan terms were predatory, taking advantage of my mental health condition at the time, which exacerbated the unconscionable terms of the loan.
I demand that Republic Bank & Trust void the loan in its entirety due to the unfair and unconscionable terms under which it was originally entered. The settlement was not properly honored, and *********’s failure to provide instructions has caused undue harm. I also demand that Republic Bank & Trust delete the entire tradeline from my credit report, as the additional late payments are inaccurate and directly resulted from their failure to fulfill their obligations. If this matter is not resolved by March 15, 2025, I will pursue legal action for breach of contract, fraud, and damages, including a formal lawsuit and potential claims under the ****. Furthermore, I will seek investigation by the appropriate regulatory authorities into Republic Bank & Trust’s involvement in these predatory practices. I have retained legal counsel to assist in this matter.Business Response
Date: 01/23/2025
Please see the attached responseInitial Complaint
Date:01/09/2025
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 was in the bank to day to take care of a debt and see why the over draft occurred .because when I check my records it all shows checks returned paid . she claim system was down at first .then she say they was working but seem to have problems telling me the truth.so after all that I asked to notarize documents and she says it only for customers with accounts at that bank.refusing me service. overdraft of 155.50 I'm asking bank to clearBusiness Response
Date: 01/22/2025
Please see the attached response.Business Response
Date: 01/23/2025
*** ******, We are in receipt of your recent communication to the BBB and appreciate the opportunity to respond. We understand you would like additional information regarding your closed account. We have investigated the situation and provide the following detail. Our records show that you overdrew you account in the amount of $155.70. Included in the transactions that overdrew your account was a check you deposited, drawn from a **** ******* ****** ***** for $99 that was retuned on 8/3/2023 for the reason “unable to locate account”. You did not bring your account current within 120 days and as a result the account was charged off and closed on 8/31/2023. The final balance of -$155.70 was referred to our collections department. To clarify, the $155.70 represents the amount you overdrew the account, including a $12 returned deposited item fee and does not include any overdraft fees. Our review shows that your account was handled consistently with your account terms and conditions. We hope this information provides clarity to your situation. Please let us know if you have any other questions or concerns. Sincerely, Compliance Department Republic Bank and Trust CompanyInitial Complaint
Date:12/30/2024
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.
Having a debit card problem. I called in and it was over 700 dollars yesterday, and today is now 100. This comes back to a dispute I had with spectrum and then it seems they presented the 691 back to them. I called them to ask about it but none of it made any sense.Business Response
Date: 01/10/2025
Please see the attached response.Initial Complaint
Date:10/28/2024
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.
I'm not liable for the debt with REPUBLIC BANK TRUST CO. I do not have a contract with *** MANAGEMENT SERVICE. They didn't provide me the original contract as requested.Business Response
Date: 11/06/2024
Please see the attached response.Business Response
Date: 11/07/2024
RE: BBB Complaint No. ********; *********** ******* *** ********, We are in receipt of the above-referenced complaint and appreciate the opportunity to respond. As we understand it, *** ******* is claiming that he is not liable for a debt originated with Republic Bank & Trust Company (“Republic Bank”), and requests the information be removed from his credit report. ******* is a revolving line of credit product offered by Republic Bank. We received and approved *** *******’s application for an ******* line of credit account on 7/17/2018 and a Credit Limit of $2,500.00 was assigned. The account exceeded 60 days past due and charged off with a balance of $2,935.00 on 10/17/2018. The debt was subsequently sold to *** Management Services, Inc. (“***”) on 11/21/2018. During the application process, *** ******* acknowledged his acceptance of the ******* Credit Agreement and Terms and Conditions (“Agreement”), which was a condition of account opening. Section 4, Paragraph 18 of this Agreement, titled “Transfer of Rights” explains that we may assign or transfer this account to another person or entity without notice or consent from the customer. We called and spoke with *** ******* on 11/01/2024 and explained that though Republic Bank is the original lender in relation to this line of credit, *** is the current owner of the account. We have reported the account history to *******, but none of the other major credit bureaus. We encourage *** ******* to address any additional questions or concerns directly with ***. They may be reached by phone at **************. Sincerely, Compliance Department Republic Bank and Trust CompanyInitial Complaint
Date:09/26/2024
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.
****** Prepaid have a block on my car for no reason they have done this several times before and have taken extra five dollars for overdraft. They have at replace the five dollars but this time they just keep my whole check and put a block on the whole card they asked me to verify with ID. I’ve done that on three occasions and they still continue to have a block on my card. I’ve answered security questions and they were correct. I gave them my card number. I gave them my Social Security number and continuously have a block on my car. My bills are due and I can’t take care of my responsibility because I feel they doing something fraudulently with my account. I’ve called them repeatedly asked to speak to a supervisor. They get hostile and irritates me because no one will put a supervisor on the line or give me a number to which I can talk to someone to file a complaint about the transactions that’s going on. They can’t tell me what fraudulent Caused the block but yet and still they’re keeping me from taking care of my rent. I get disability I am disabled therefore I am limited to what I can and cannot do or deal with, and they have stressed me to the limit.Business Response
Date: 10/07/2024
Please see the attached response.Initial Complaint
Date:09/25/2024
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.
I have an account and a ****** debit card and money has been going missing from my account. When I call customer service they are unable to explain to me where my money has gone and they have locked me out of the app so I am unable to see the charges.Business Response
Date: 10/07/2024
Please see the attached response.Initial Complaint
Date:09/04/2024
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.
Please see attached
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*****************************************************Business Response
Date: 09/13/2024
Please see the attached response.Initial Complaint
Date:07/09/2024
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.
I have 3 hard inquiries now because I applied for a loan and was denied for unacceptable reason. I was told I would get an email as to why I was denied. the SOLE reason I was denied was "Unable to verify my employer". I got this info instantly. My application didnt ask for specific employer information either. Wouldnt you think if any further info was needed they would contact my employer or take steps to find out or verify? NOPE. I got an instant denial for this reason, i called and the gentleman asked me questions and stated it matched exactly what my bank account reflected and he wasnt sure why i was denied for this reason. Told me to call the numbers on the email. THAT ISNT RIGHT. My employer info is correct. Im requesting that my employer get "verified" by another means if you want to use this reason as the sole reason to deny me and a hit to my credit, You guys didnt even take steps to verify, that is not fair,Business Response
Date: 07/22/2024
Please see the attached response.Initial Complaint
Date:06/26/2024
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.
on 4/22/24 republic bank received my refund it apparently declined the direct deposit due to a error with the system. They have re attempted to mail it 3 times its taken a total of 67 days. Ive been tol today the 4th time it was returned. I asked for one day shipping they just keep telling me its a post office error and not them. 100000% unacceptable should be penalized for holding my tax refund for two months.Business Response
Date: 07/02/2024
Please see the attached response.
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