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Business Profile

Bank

Republic Bank

Headquarters

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BBB Accredited BusinessA+Rated by BBB

Complaints

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

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    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 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:06/10/2024

      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.
      I tried to close my bank account on June 3rd, paying the negative balance. They said they would. Account is still open, and they are charging me overdraft fees for each withdrawal still. I called the dispute department this morning to freeze my account (though it should have been closed). They would not do it for me.

      Business Response

      Date: 06/25/2024

      Please see the attached response. 

      Customer Answer

      Date: 06/26/2024



      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,



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

      ***If you are interested in supporting the BBB's free services, please consider giving to BBB's Consumer Education Fund, which provides other services to the community, like Charity Review, Identity Theft Seminars, Free Shred/Recycle Events, Senior Citizen programs, High School and College Programs, and providing information at local community events. Donations can be sent via Venmo to @bbbcefky or mail your donation to BBB Consumer Education Fund, 13104 Eastpoint Park Blvd., Louisville, KY 40223. For more information on these programs, call 800-388-2222. Thank you for your consideration. 

    • Initial Complaint

      Date:06/03/2024

      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.
      Republic Bank and Trust account #******, Loan #****** is an identity theft account. This account was opened without my knowledge or permission. I have had zero contact with Republic Bank and Trust, if they have sent any correspondence to me, I **** ***** did not receive it. If any correspondence has been answered, it was not by me **** *****, but by the person that committed the identity theft. My information was used by my then now ex-wife without my knowledge or permission, she had access to all my personal data as she took care of all the bills and taxes. The phone number and email addresses used are hers, she also lied about the cost of rent on the application. I would like a copy of any/all correspondence between Republic Bank and Trust and my ex posing as me, especially any correspondence within the past two (2) years. I have also filed an identity theft report with the DOJ website, CFPB and now the BBB. I would like some answers. The "Final Response" from the FDIC I have not received that from Republic Bank and Trust, I suspect it was sent to the identity theft.

      Business Response

      Date: 06/13/2024

      Please see the attached response. 

      Customer Answer

      Date: 06/14/2024



      Complaint: ********



      I am rejecting this response because: I never stated they were affiliated with any of the other identity theft accounts listed on the DOJ Identity theft report. I sent the entire report, that how it saves as a PDF. I also sent them a photo of my VALID US GOVERNMENT ISSUED PASSPORT (attached).



      Sincerely,



      **** *****

      Business Response

      Date: 06/21/2024

      Please see the attached response. 

      Customer Answer

      Date: 06/30/2024



      Complaint: ********



      I am rejecting this response because: All the businesses listed on the identity theft report are extremely untrustworthy and withhold evidence. I will be printing all the communication from Republic Bank/Elastic, original application and transaction list. As well as all the information/communications with the other identity theft accounts listed on the identity theft report and sending them to the FBI office in Kansas City for an investigation, since the local sheriff's office refuses to investigate because the accounts started in FL.



      Sincerely,



      **** *****

    • Initial Complaint

      Date:05/22/2024

      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 writing to address the distressing discovery that you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under ** *** **** ******* *** *** ** *** **** ******* *** * ******* *, which mandates written consent for such actions.

      Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred.

      Please rectify this matter promptly. My account number is ******

      Business Response

      Date: 05/31/2024

      Please see the attached response. 

    • Initial Complaint

      Date:05/22/2024

      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.
      Pleased see attachments.

      My dispute is with Republic Bank and Trust refusing to dispute charges by *** **** **** ********.
      The disputed amounts with Republic Bank & Trust total $925.85.

      Since *** **** **** ******** didn't leave me an invoice as was stated by the technician, I requested a copy of the invoice from Republic Bank & Trust.

      When I received a copy of the invoice from Republic Bank & Trust, the copy was blurred and missing page numbers in the right-hand corner Republic Bank & Trust's statement.


      *** **** **** ******** signed 3 signatures on an invoice that look nothing like my signature. installed a thermostat I didn't want, and improperly wired the thermostat they installed, disconnected the heat to my house. Additionally *** **** **** ******** charged my credit card for a care package that I didn't want or ask for.

      I provided Republic Bank & Trust with an invoice from ******* ******* *** ****** to prove the incompetent work done by *** **** **** ********, and Republic Bank & Trust has done nothing about the dispute that includes fraud.


      Republic Bank and Trusts sends me emails about protection from fraud and to contact Republic Bank & Trust at ************ if I have experienced fraud. However when I contacted Republic Bank & Trust, my complaint of fraud was ignored.

      When I have called Republic Bank & Trust, I have listened to a recording that states Republic Bank& Trust is constantly monitoring debit and credit cards, and that is not true.
      When I told the Republic Bank & Trust employee about the recording that Republic Bank & Trust claims to be constantly monitoring debit and credit for fraud, the employees response is that is a third party.

      Republic Bank & Trust didn't report the fraud to law enforcement.

      When Republic Bank & Trust performed computer upgrades, changes were made to my account that affected a direct deposit. Addionally, Republic Bank & Trust signed me up updates on my account that I didn't request.

      Business Response

      Date: 06/07/2024

      Please see the attached response. 

      Business Response

      Date: 06/07/2024

      Please see the attached response. 

      Customer Answer

      Date: 06/17/2024



      Complaint: ********



      I reject the response from ***** ******** with Republic Bank and Trust.

      I have now resolved this issue on my own.  It has taken me 10 months without any help from as Republic Bank and Trust.  Republic Bank and Trust were clearly not going to handle this complaint.

      Republic Bank and Trust cannot be trusted and doesn't protect their customers.
      I am their customer and was denied assistance regarding this matter by the employees working for Republic Bank and Trust.

      Republic Bank and Trust is why banks like ***** ******** **** and Silicon Valley failed in 2023.

      I believe that I gave a detailed complaint that outlined what transpired with *** **** **** ******** and Republic Bank and Trust.
      I provided dated letters sent to me by Republic Bank and Trust and the dates on which I received them, stating they were closing my complaint. Their letters were dated before the letters they sent could be received by me.
      Republic Bank and Trust doesn't allow customers the same time frame that Republic Bank and Trust takes to send a customer a letter.
      I stated that the complaints were supposedly opened by the Kentucky customer support of Republic Bank and Trust, but the complaints were ignored.

      I provided an invoice showing that another company had to repair the incompetent work done by *** **** **** ********, which Republic Bank and Trust ignored.

      I didn't receive an invoice from *** ****.  I received *** ****'s  invoice from Republic Bank and Trust that was blurred and missing page numbers.  This invoice didn't outline what the charges covered.

      Republic Bank and Trust recordings "during their hold time on the phone"  state they are constantly monitoring debit and credit cards for fraud. That is clearly untrue.  I reported the fraud to Republic Bank and they still ignored my concern. 
      Republic Bank and Trust sends emails warning of fraud and to report fraud, however when I informed Republic Bank and Trust of Fraud, they ignored my complaint.

      *** **** states that they prevailed because Republic Bank and Trust supported them.

      I didn't authorize a $445.00 thermostat.
      I didn't authorize a thermostat to be IMPROPERLY WIRED.
      I didn't authorize that the HEAT TO MY HOUSE BE DISCONNECTED.
      I didn't authorize for ANYBODY or Business to sign my name on any invoice.

      Republic Bank and Trust is just as crooked as the scam artists they protect.

      Also, my complaint was and is against Republic Bank and Trust for their incompetence and deception.





      Sincerely,



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

    • Initial Complaint

      Date:05/02/2024

      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 not liable for this debt with ******** **** ***** *** I do not have a contract with*** ***** ***** ********. They did not provide me with the original contract as requested.

      Business Response

      Date: 05/13/2024

      Please see the attached response

    • Initial Complaint

      Date:05/01/2024

      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.
      This collection from 12 REPUBLIC BANK TRUST CO was not authorized to be on my credit report. This is fraudulent and a violation of my consumer rights and I demand this account to be removed. I’m not liable for this debt. It says it was opened on 02/26/2024for $3,678.00 with account numbers starting with ********.

      Business Response

      Date: 05/10/2024

      Please see the attached response.

    • Initial Complaint

      Date:02/19/2024

      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.
      When filing my tax return with ********** they use Republic Bank and the fees are charged through Republic Bank I was charged 54.99 to have my refund direct deposited and the funds were never direct deposited, I have received both my state and my federal returns in paper form. When contacting ****** they put all the blame on Republic bank for taking the funds for this service out of my state return without it being direct deposited. Then the people working with them give out a phone number where you can't contact someone to speak about this complaint.

      Business Response

      Date: 02/28/2024

      Please see the attached response and documentation. 

    • Initial Complaint

      Date:02/05/2024

      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 wanted to bring to your attention an urgent matter regarding my extremely delayed tax refund for the year 2021. After speaking with multiple supervisors from both the IRS and Tax Act, it has been confirmed that my refund of $6000+ is currently being held by Republic Bank. However, they haven't issued the refund back to the IRS for almost two years! Which is causing a delay in receiving it even after the irs has sent multiple requests for it to come back. I'm reaching out to you in the hopes that we can find a solution to this issue as soon as possible. It's been quite a frustrating experience, with both parties pointing fingers at each other. I’ve spent countless hours on the phone trying to get this resolved and truly believe republic bank should be offering compensation for the hours upon hours of inconvenience. I really just want this settled as soon as possible so I can get past this nightmare.

      Business Response

      Date: 02/14/2024

      Please see attached response. 

    • Initial Complaint

      Date:02/01/2024

      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.
      So I filed my taxes and used this company as the loan and what not place. I paid 54.95 for assisted return. Which means the fees and such would come out of my federal return. However I get my state return today and it's very short. It's $914 short. I didn't pay a fee to have them take the money out of my state refund when I was clearly told it would come out of my federal return. Nothing on their site said my state return would be taken to pay fees. Everything said federal.

      Business Response

      Date: 02/09/2024

      Please see the attached response. 

    • Initial Complaint

      Date:01/26/2024

      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.
      On 1/13/2024 I filed for a refund advance loan through ******* ****** just like I have for many years before and have been approved but this time I was not approved and was still charged for the refund assist that was not given to me. I am unsure why I was told by ******* ****** that your criteria and nothing in the criteria has change except my credit has improved since last year and I now reside in Texas and my location should have nothing to do with that. I don't owe tax my student loan is not in default I do not owe child support. So it makes no sense to me why i was denied. I also have a claim against ******* ****** for misinforming me that I could get a refund advance after I was denied for a holiday advance. Because in all actuality for some unexplained reason I was denied for the tax season in December that I was going to be denied for unexplained reason in January with my w2s. That should be stated so that people are not conned into paying both you and ******* ****** for these advance that you are not going to give to some for not explained reason after you have done it for several years before. So it was either the amount of my refund which is false advertisement because it is said as long as your refund is over 500 dollars. So I am thoroughly confused I just feel conned by both you and ******* ******.

      Customer Answer

      Date: 01/29/2024

      Yes

      Republic Bank & Trust Company
      P.O. Box 2348
      Louisville, KY 40201

      Business Response

      Date: 02/14/2024

      Please see attached response. 

    Republic Bank is BBB Accredited.

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