Complaints

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

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• 

  Crescent Bank

  PO Box 61813 New Orleans, LA 70161-1813

  
• 

  Crescent Bank

  5208 Jackson St STE C Alexandria, LA 71303-2303

• 

  Crescent Bank

  New Orleans, LA 70163-0100

  
• 

  Crescent Bank

  100 Asma Blvd., Ste 310E Lafayette, LA 70508

• 

  Crescent Bank

  600 Corporate Dr STE 320 Fort Lauderdale, FL 33334-3604

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:02/13/2025

  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.

  Subject: Dispute of Unauthorized Credit Inquiries I am writing to formally dispute the following unauthorized hard inquiries on my ********** credit report:CRESCENT BK 11/16/2024 CRESCENT BK 01/08/2025 I did not authorize these entities to perform a hard inquiry on my credit report. Under the Fair Credit Reporting Act (FCRA) 15 U.S.C. *****, a consumer reporting agency may only furnish a credit report if there is a permissible purpose. Since I did not provide consent for these inquiries, they constitute a violation of my rights under the *****Additionally, under 15 U.S.C. 1681i(a)(1), I have the right to request an investigation into the accuracy of the disputed items. Please conduct a thorough reinvestigation and remove any inquiries that cannot be verified as authorized by ***** light of the **** lawsuit filed against ******** on January 7, 2025, I request that you ensure a proper investigation is conducted and not merely rely on unverified responses from the furnishers. Please provide me with written confirmation of the results of your investigation within 30 days, as required by law.For your reference, I have attached a copy of my identification and a copy of my credit report highlighting the disputed inquiries.Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of these unauthorized inquiries.Sincerely,****** *********

  

  Business Response

  Date: 02/13/2025

  Dear Ms. ************** We are in receipt of your dispute concerning the credit report inquiry that was obtained by Crescent
  Bank.
  It appears that you were shopping at ******* ********** for a 2024 ********** Eclipse Cross on
  11/16/2024 and 1/8/2025.
  While at Daytona **********, you supplied the dealership with personal information for your application
  to be submitted on your behalf for consideration of an ******************. Obtaining a credit report in
  connection with the extension of credit is a permissible purpose under The Fair Credit Reporting Act.

• Initial Complaint

  Date:02/10/2025

  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 recently reviewed my credit report and came across some accounts that dont seem to be accurate. I need clarification on these listings and would appreciate your help in verifying their validity. The accounts in question are as follows:Name of the Unverified Item: CRESCENT BANK AND TRUS Account Number: ********* Reporting Balance: $0.00 As per the Fair Credit Reporting Act (15 U.S.C. 1681g), Im requesting copies of any documents you used to confirm the accuracy of these accounts. Rather than a standard response stating that the accounts have been verified, I would like to see the actual records supporting that claim. If no such documentation exists, then these accounts should be removed from my report as required under Section 611(a)(5)(A)(i) of the *****Its important to me that my credit report reflects accurate and verifiable information. Id appreciate your cooperation in resolving this matter as soon as possible. Please let me know if you need any additional details from my end.Looking forward to your response.

  

  Business Response

  Date: 02/10/2025

  Reference Number: BBB 22910421
  
  We have received your additional Complaint about credit bureau reporting.  We can confirm that the reporting to the bureaus is correct and in compliance with reporting requirements.  If you are disputing the loan, please follow the bureau dispute process and complete all the required fraud paperwork and police report.  We sent the Statement of Account and all documentation to your address provided in July 2024, however we will resend another copy.
  Please call *************************** at ************** to discuss settling your account.
  
  
  Thank you,
  Crescent Bank Complaint Department 

• Initial Complaint

  Date:02/03/2025

  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 am not liable for this debt with Crescent Bank and Trust. I do not have a contract with this collection agency trying to collect. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 02/03/2025

  Reference Number: BBB 22889419
   
  We have received your inquiry about your account.  Per your request, we have mailed a copy of your signed Retail Installment contract and a payment history to your address.  Please contact us directly if you have any questions at **************.
  
  Thank you,
  Crescent Bank Complaint Department 
  
  
  

• Initial Complaint

  Date:01/13/2025

  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 am not liable for this debt with charter communications, i do not have a contract with crescent bank & trust, they did not provide me with the original contract as i requested.

  

  Business Response

  Date: 01/17/2025

  Reference Number: BBB 22798664
  Mr. **** Governor,
  We have received your recent request for verification of your loan from Crescent Bank.  We have a signed retail installment contract from February 17, 2024, for a 2023 Chevrolet Malibu that lists you as the buyer.  A copy of the contract, credit application, and payment history are attached to this response. The credit reporting is accurate.
  Please call us at **************,or write to us directly at Crescent Bank, P.O. ******************************,with any additional questions.
  
  Thank you,
  Crescent Bank Complaint Department 

• Initial Complaint

  Date:12/17/2024

  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 am not liable for this debt with Crescent Bank and Trust. I do not have a valid contract with Crescent Bank and Trust, they did not provide me with the original contract I requested

  

  Business Response

  Date: 12/17/2024

  Complaint Id: *****************************
  Ms. *******,
  We have received your complaint regarding your account with **********************.  We can confirm that you had a loan taken out in February 2022.  The Retail Installment contract that you are requesting has been mailed to your address of record.  We are also sending you additional documentation on the current standing of the account.
  Please contact us to discuss the account at **************, or write to us directly at Crescent Bank, P.O. ******************************, with any additional questions.
  
  Crescent Bank Complaint Department 

• Initial Complaint

  Date:12/09/2024

  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.

  I was still making payments on my auto loan and they still came for the car or was repossessed because they said the prefer while monthly amount although the incremental payments were adding up to the whole amount. I became homeless and no one could help me. Until I got a legal advise to be able to peruse them.I finally got my poor sister to borrow money against her little house just to start over again . I want all my payments returned to me.

  

  Business Response

  Date: 12/09/2024

  Reference Number: BBB 22655913
  We have received your inquiry about your account. Per the Retail Installment Contract, when a vehicle is repossessed and sold at auction, there may be a remaining balance. A repossession does not waive payments or cause a refund of all payments that were made on the account. ********************** sent you a letter outlining that deficiency balance, but we will send you another copy. Please contact us directly if you have any questions at ************** and to discuss payment arrangements on the balance.
  Thank you,
  Crescent Bank ********************

• Initial Complaint

  Date:11/25/2024

  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 been reaching phone **** via the call center and have gotten nowhere. I need to speak with someone about my account in length. I have some unique circumstances and need to get back on track with my account

  

  Business Response

  Date: 11/26/2024

  We have received your inquiry about your account.  ********************** had a manager reach out directly to you on November 25th to address your concerns.  Please contact us directly if you have any questions at **************.

• Initial Complaint

  Date:10/11/2024

  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.

  Company sent letters(,bill statements,) showing that I was approximately 3 months past due..I pay 2 car payments back to back by phone monthly. I questioned their figures and got different reports and requested copies of the reports which I never got from Feb. To July..I I finally got a person representing the company could verified my payments correctly and he was to send me the correct *** to pay along with my pay history. We agreed not to make a payment until I got the report within 10 days..My car was pulled September on Friday 9/20 I believe with no letter to me where it went and all of **** made in it. I called them after waiting for a letter. I did not want to deal with this company anymore. Approx 5 yrs of pay showed them my commitment to keep the vehicle that I had not driven since 7-12-2023. That's the day it stopped. Minor problem, Alternator drained the battery..I PD $378 to fix the problem ,2 months prior to it stopping again..I bought a brand new battery to get me home that day and that's where it sat after I found out that the mechanics hired charged me for a used part that was no good, 2 months later..I got behind I month,; but cleared that up January and continued to pay per phone until I rec'd a letter stating $1564 approx past due. That was over 3 months of non payment..Not true.. This came after a cyber criminal attackI have a record of every payment and conf# except the last 3 times I tried to pay..Gave all my info and waited on the confirmation # and it never happened. . I don't the letter I received last Friday, dated 9-20 sell the car w/i 10 days after stating that Xi could pay ******* approx. Wanting the full amount due which I have no idea what it was. My pay history was not bad. I was in my last year of payment before ownership.. Sickness in the family caused me to late;but, I still made pays and made attempts to pay... I notified BBB when I first started getting the problem.

  

  Business Response

  Date: 10/15/2024

  Reference Number: BBB 22409988
  
  We have received your new Complaint about your account. As we stated back in July, the payments that you were attempting to make were not being processed by your bank. There was a call with our bank in August and we had sent multiple transaction histories out so you could use that to go to your bank and obtain proof of payments being approved/ processed. As per the contract, non-payment on an account can result in repossession.  All required legal notices regarding repossession were sent out to your address on file. As is part of the normal process, if the customer does not want to make the past due payments and fees to reinstate the vehicle, the vehicle is moved to sale at the auction.  The proceeds from the sale will be applied to your account and then you will receive a post-sale letter, if there is a remaining balance on the account.  If you would like to call our team, they would be happy to discuss options and arrangements on the account to get caught up.  Please contact us at ************.
  
  Thank you,
  Crescent Bank Complaint Department 

• Initial Complaint

  Date:10/03/2024

  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.

  After falling in hard times due to my husband's injury, we fell behind on our car loan and ultimately had our car repossessed. Trying to reach the proper department at Crescent proved useless. We were never told what the process was or ever received any written notice explaining the next steps. When we were finally given the information of the vehicle's location (only phone number, no address), we were unable to speak to live person and the appointment to go retrieve our belongings needed to be done online. Once we the appointment was made, it was declined because our property had been "disposed of" because it had been more than 45 days. We didn't even know that was the time limit!!! When we contacted Crescent, they actually apologized for not sending out the notice and said to reach out to the recovery company again!!!! I feel like a ping pong ball. We usually don't leave valuables in the cars but unfortunately, my husband's sunglasses and my Handicap Parking Permit were inside the vehicle when it was taken, and now I'm sure that an employee is enjoying my husband's Oakleys. This bank is absolutely useless and even finance people at car dealerships say so! ******** customer service. So glad I don't have to deal with them anymore!

  

  Business Response

  Date: 10/07/2024

  Reference Number: BBB 22376750
  
  We have received your Complaint about Crescent Bank’s repossession
  process.  There was a letter mailed out
  to the same address that you used to file this complaint on July 31, 2024.   There were conversations with the co-buyer
  on 7/29 and 8/7 where he was asking about getting the vehicle back and told us
  that he would get back to us soon. The next time he called was August 29th,
  at which time the repo agent had discarded the personal belongings.   Recovery agents set their own rules for
  storing personal belongings however most average 14 days maximum storage.  We apologize that you missed the window for
  pickup.
  
  Thank you,
  Crescent Bank Complaint Department 

  Customer Answer

  Date: 10/16/2024

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 22376750, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  
  
  The two letters were never received and regarding the phone calls, yes they were made however the representative acknowledged that the letters sent did not include information as to the location of the vehicle.  We would have not knowingly left our belongings in the car.  Besides those two phone calls were lucky breaks since it was virtually impossible to get through that department.  Every time we tried to reach out, a voicemail was reached so it was lucky that we were able to get through those two times even though the phone calls were in vain because nothing was resolved.  

  Now we had to file a claim for the amount of our belongings and who knows how long it will be before we receive the money IF we receive it.

  Crescent Bank lacks professionalism and their customer service is non-existent.
  
  
  
  Regards,
  
  
  
  Aimee De La Osa
  
  
  
   

  
  

  

  Business Response

  Date: 10/16/2024

  Crescent Bank's response to the customer's complaint has not changed. 

  If customer has further questions, please contact Crescent Bank at 866-208-8288.

  Thank you,
  Crescent Bank Complaint Department 

• Initial Complaint

  Date:07/23/2024

  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. CRESCENT B&T ACCT #: ******* BAL.$10,851.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business Response

  Date: 07/24/2024

  Reference Number: BBB 22030559
  We have received your Complaint about credit bureau reporting. We can confirm that the reporting to the bureaus is correct and in compliance with reporting requirements. If you are disputing the loan, please follow the bureau dispute process and complete all the required fraud paperwork and police report. We will send the Statement of Account and all documentation to your address provided.
  We do see that you called and spoke with a representative on July 22nd and 23rd to discuss a settlement. In order for you to speak to a representative and discuss account details, you provided your social security number, Year make and model of the vehicle and your full name.
  Please call us at ************** to discuss payment options for the outstanding balance, or write to us directly at Crescent Bank, P.O. *******************************
  Thank you,
  Crescent Bank ********************