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

  P.O. Box 60048 New Orleans, LA 70160

  
• 

  Crescent Bank

  5401 Jefferson Hwy. Ste. D Harahan, LA 70123

  
• 

  Crescent Bank

  800 Corporate Dr STE 206 Fort Lauderdale, FL 33334-3618

• 

  Crescent Bank

  5208 Jackson St STE C Alexandria, LA 71303-2303

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:05/06/2024

  Type:Customer Service 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 had an auto loan with this garbage company. They were charging 23% APR on a ****** loan, per diem was about 15 dollars a day. When I refinanced they signed for the package April 22nd. They did not apply my payoff until April 24th. It was not backdated. They are refusing to effective date the payoff to when it was received thus unfairly charging me 2 extra days of per diem. In addition to that is although they recieved my payoff on April 22nd as of today May 2nd my original refund from overpayment has still not been sent. I feel I should be paid interst on that as well. ************ is the ***** tracking #. My ssn is 020-68-0335. My account is no longer accessible so I don't have a loan #.

  

  Business Response

  Date: 05/07/2024

  Reference Number: BBB 21666091

  
  We have received your Complaint about your payoff check. We apologize that your check was confirmed to be received on April 22nd and not applied on that date. We have submitted a check request for the per diem on 4/22/24 of $11.37. This check request was submitted May 6th and will be sent via *** to the address on file. We are sorry for the confusion.
  Thank you,

  
  Crescent Bank Complaint Department

• Initial Complaint

  Date:04/26/2024

  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.

  03/19/2024 and 04/04/2024 made 2 payments towards my account.One in the amount of ******* and the other one n the amount of 645.00.I would like to have access to my account to keep up with the transactions.I would like to receive proof of receipt of all transaction made to my account.Also, I would like to have access to the company's website.The company is not submitting me a verification code to my email address, phone, nor via text when trying to reset my password. All my personal info has been updated with this company.

  

  Business Response

  Date: 05/01/2024

  Reference Number: BBB 21628192
  
  We have received your Complaint about your online access.  We need to speak to you to walk you through the password reset.  We have attempted to call you and left you a voicemail, but as of today, have not had an opportunity to speak with you.  Please give us a call at ************.
  
  Thank you,
  Crescent Bank Complaint Department 

• Initial Complaint

  Date:04/25/2024

  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.

  Account Number: ***************** ******************************** I'm filing a complaint against Crescent Bank for mishandling the repossession and sale of my vehicle, leading to incorrect credit reporting. I was not notified of the auction as required, affecting my financial well-being and causing emotional distress.I seek a detailed loan history, repossession records, auction documentation, and a corrected account balance. If procedures were not exactly followed, I request removal of the trade line from ********, *******, and Transunion.Notably, the account shows a $17,423 charge-off and $20,185 past due as of March 2024, which is disputed. I request a resolution, including compensation for emotional and financial damages incurred.The vehicle, a 2018 ***** Malibu, was towed by a third party from a mechanic shop's parking lot and later found to be in the possession of a towing company. Upon discovery, I informed Crescent Bank about the vehicle's location and condition. I was advised by a Crescent Bank representative that the vehicle would be auctioned off, and the proceeds would be applied against the loan balance.Specifically, I request:1. A comprehensive history of the loan from the origination date to the present, including all payment transactions, interest accruals, fees, and charges applied to the account.2. Detailed records of the repossession process, including dates, notices sent to me, and any legal proceedings that were initiated.3. Documentation regarding the sale or auction of the vehicle, including the date of sale, the sale price, and the name and address of the auction service or purchaser.4. An itemized statement showing how the proceeds from the sale were applied to the loan balance, and an explanation of any remaining deficiency balance or additional fees charged to the account.5. A statement confirming whether the account status was reported as a repossession or a charge-off to the credit bureaus, and the rationale for such reporting.

  

  Business Response

  Date: 04/30/2024

  Reference Number: BBB 21622537
  
  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.  Crescent Bank has an executed Retail Installment Contract dated August 31st, 2019 for a 2018 Chevrolet Malibu, with your signature on the contract.  The vehicle was towed by a third party from a mechanic shop's parking lot and later found to be in the possession of a towing company in May of 2022 Crescent Bank did not repossess the vehicle in 2022 or sell the vehicle.  Crescent received notice of the impound of the vehicle, however the fees were high due to the amount of the time the vehicle had been at impound and there was unknown damage to the vehicle.  The decision was made to abandon the vehicle.  There is still a remaining balance on the account.
  
  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 Complaint Department 

  Customer Answer

  Date: 04/30/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Thank you for your recent response concerning the 2018 Chevrolet Malibu. However, I must express my concerns regarding the lack of substantive evidence and documentation provided by Crescent Bank, which appears to demonstrate a lack of good faith in addressing my queries. Notably, there has been no proof of the written communications or any documents previously requested that would justify the decision to abandon the vehicle. This lack of transparency avoids directly addressing my questions and concerns, which is critical for resolving this matter effectively.
  
  1. Detailed Rationale for Abandonment:
   Please provide a detailed explanation and any documentary evidence regarding the condition of the vehicle and the calculation of the impound fees that led to the decision to abandon the vehicle. This is crucial as the vehicle was reported to have minimal mileage and no physical damage at the time of impoundment.
  
  2. Documentation and Communication:
   Could you confirm whether any communication about the decision to abandon the vehicle was made to me before the action was taken? If so, please provide copies of this communication.
     - Additionally, I request documentation showing the interaction between Crescent Bank and the impound lot, including any reports from the lot regarding the vehicles condition.
  
  3. Impact on Credit Reporting:
     - Given that the vehicle was abandoned rather than sold, please clarify the justification for the remaining balance and its reporting to credit agencies as a charge-off.
     - If the bank has not repossessed and sold the vehicle, on what basis is the deficiency being calculated and reported?
  
  4. Resolution Proposal:
     - I am seeking a reassessment of the account balance considering the circumstances of the vehicles abandonment and the impact of this decision on my credit score.
     - I also request a review and correction of any inaccuracies in how this account has been reported to credit bureaus.
  
  I believe resolving these issues will benefit both parties and lead to a fair outcome. I look forward to your prompt response and resolution to this matter.
  
  Regards,
  
  *************************
  
   
  

  

  Business Response

  Date: 05/07/2024

  A Crescent Bank representative spoke with ************** verbally and answered to her questions. If there are any additional questions, please contact Crescent Bank at ************* or write to us directly at Crescent Bank, P.O. *******************************
  
  Thank you,
  Crescent Bank Complaint Department 

• Initial Complaint

  Date:04/22/2024

  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.

  We got them for my car and are refinancing through *******************************. We did another 10 day payoff and sent another check to them on April 3rd and did not process it until April 8th. It made them add another fee to my balance and interest for $517. We did another 10 day payoff on April 11th. We called them on April 19th, April 20th and they had not received it. I asked them to turn off my reoccurring payment in the beginning of April. I do not have access to my bank account and did another check but they said they did not have it. They told me to track it and I did and found out the check should get to them by 10:30 April 22nd. They could only mail me a payoff and not fax it. Then I called later and talked to a different rep and told her to mail it to me just in case the fax didn&#**;t go through and asked to talk to a supervisor to double check that all was correct. The supervisor said they were wrong. I wouldn&#**;t receive a payoff until 14 days. Another supervisor told me it will take 12 hours after the payment to receive the payoff letter. We have been dealing with this since February 2024. I need the payoff letter from them immediately.

  

  Business Response

  Date: 04/23/2024

  Reference Number: BBB 21608133
  
  We have received your Complaint about your payoff process.  A payoff figure good through ***** 5th was quoted on March 26th.    We received a check for ***** 8th , which was short by $518.67.  We sent a short payoff letter to you asking for the balance good through ***** 21st.     We do not automatically shut off auto draft, as we are unaware of customers plans on how to pay the remaining balance.  On ***** 21 we received 2 payments via REPAY, which were short of the payoff amount.  Both of those payments were returned on ***** 22nd.   Late on ***** 22nd,we received a check from ****************************** for $518.67 and it has been applied for ***** 22nd. As per standard policy, the customer will receive a paid-in- full letter 14 business days after the payoff has been completed.  We apologize that our agent did not understand your request for paid in full documents and thought you were asking for a payoff quote, which can be faxed.
  
  Thank you,
  Crescent Bank Complaint Department 

  Customer Answer

  Date: 04/23/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Reference Number: BBB 21608133
  Crescent Bank Complaint Department,
  I was advised by one of your representatives to shut off my auto drafts on March 25th, so I asked them to turn it off. They said that they did. My new lender overnighted the first check to you on Apr 3, 2024. You did not process the check until April 8, 2024. The check that was sent was the exact amount of the payoff that was faxed to us on March 25th. Since you processed the check late, we had to make another payment and pay the interest on the days it was "late.. We then did another 10-day pay-off quote on April 11, 2024. They overnighted the check on April 18th. You received the check at 9:37am on April 22, 2024. This was the exact amount for the remaining balance. You took two unauthorized payments from my account on April 21st. After multiple phone calls and talking to multiple representatives and managers, I asked for this payment to be canceled and the check to be applied to my account. I was told this could not happen, even though these payments were unauthorized. When speaking with your manager of escalation, ******, she was very unprofessional and even at one point stopped answering my questions and stopped talking to me all together. I waited around for about 5 minutes and she never responded. Our call did not disconnect. I had to end the call and call back. The next representative responded the same way once he had my name and information. I then called back and spoke to a new representative. She explained to me that ****** was not available because she was off the clock.. It is very unprofessional to ignore a customer that you are in the middle of a conversation with because you are off the clock. That representative then transferred me to a new manager. He made a complaint about the unauthorized payments and a complaint about the employees who acted unprofessionally. He then asked me if I wanted him to fax me my paid-in full letter. I responded, Yes.. He faxed this to the number I gave the representatives earlier that morning. I asked for a confirmation email for this fax, and he told me he could not provide me with that. I then confirmed with him that this was my paid-in full letter, and he confirmed that it was and that I should receive it in between ***** hours. He also advised me to call back on Wednesday to hear about the complaints. I have been told multiple things by different employees, including three different managers. Since my account is paid off with the check,I would like my paid in full letter faxed to me immediately. I spoke with a manager of escalation on March 25th, named ******, who told me that I could request this 12 hours after my account had been paid off. Then the last manager I spoke with yesterday faxed it to me. ****** is the only manager, saying I have to wait 14 days after my account has been paid off. Every agent I spoke with, I specifically asked for the pay off letter or paid in full letter, so I do not see where the miscommunication is. Your customer service department has made multiple mistakes with my account regarding my attempt to refinance, and I will not continue to wait or pay more money due to this. 
  
  
  
  
  Call #1: I made a call and spoke with the first representative at 8:42 a.m., which lasted ************************************* asking about why they took a payment and if they received the check. They could not tell me why they took an unauthorized payment due to not having access to my account. They said they had not received the check. They advised me to go online and look at the payments and to shut off my autopay there. When I tried to do this, I could not access anything in my account.
  Call #2: I made this call at 10:23 am, which lasted 31 minutes. I spoke to a representative who said they could fax my paid in full letter. I requested for it to be mailed to me as well. All of this was completed with this rep. I asked to be transferred to a manager to confirm that all of this was correct. I was then transferred to ******. She confirmed that my check was not there but that my account was paid off. She explained that the representative was wrong when she said she could fax this and I would have to wait 14 days after my account was paid off.
  Call #3: I made this call at 4:13pm and lasted 43 minutes, and spoke with a representative who informed me that they received the check, which was noted during my phone call with ****** (call #2). I asked to get transferred to a manager. I was transferred to ******. I asked about the check and she said it was received. This is when I asked about cancelling the unauthorized payments. This resulted in the understanding that my account was paid with the unauthorized payment, which we would wait to be sent back from the bank due to me no longer using that account and then applying the check. She did not inform me that this was already being done. This is the phone call that ended in her just ignoring me and leaving because her shift ended.
  Call #4: I made this call at 4:56 and lasted 2 minutes because the representative said oh and stopped talking after getting all my account information and my name
  Call #5 I made this call at 4:58 p.m., and it lasted for 23 minutes. I spoke with a representative, explained what happened during the last 2 calls and asked to speak with a manager. I was transferred to a new manager and he made the complaints and faxed me the paid in full letter. At this time, I was still not informed of my payments being returned or the check being applied to my account. 
  I have all these conversations documented and recorded as well, since your representatives and managers do not note everything within our conversations.
  
  
  
  Sincerely,
  ****************************
  
  
  
  Regards,
  
  ***********************
  
   
  

  

  Business Response

  Date: 04/25/2024

  Crescent Bank's initial response has not changed. As per standard policy, the customer will receive a paid-in-full letter 14 business days after the payoff has been completed.   

  Thank you,
  Crescent Bank Complaint Department 

• Initial Complaint

  Date:04/11/2024

  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 am a victim of identity theft. I've noticed unauthorized transactions and suspicious activities linked to my identity. I've filed a police report, but I need assistance in resolving this issue. I hope to recover my financial losses, clear my name, and request your help in removing this account from my credit report. Please help meinthismatter.------ CRESCENT B&T, - 4/30/2016, - *********. ------

  

  Business Response

  Date: 04/16/2024

  Reference Number: BBB 21560398
  
  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.  Crescent Bank has an executed Retail Installment Contract dated April 30th, 2016 for a 2016 ****** Versa, with your signature on the contract.  The loan has been transferred to CreditOne,LLC.   They can be contacted at ************, or CreditOne, LLC  PO Box 625 Metairie, LA 70004-0625.
  
  Thank you,
  Crescent Bank Complaint Department 

• Initial Complaint

  Date:04/04/2024

  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'm urgently reaching out to address the discrepancies on my credit report caused by the sharing of my personal information with credit bureaus. This has led to significant financial and emotional distress.In line with 15 USC 1681 Section 602, I assert my right to financial privacy and expect my information to be treated confidentially.Moreover, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency is prohibited from disclosing account details without my explicit consent, which I have not provided.The inaccuracies associated with CRESCENT B&T have adversely affected my financial standing, necessitating immediate correction.Additionally, I stress compliance with 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under specific circumstances.Below, you'll find my account details for your reference:Account Number: *************I urgently request a thorough review of my account, prompt rectification of the credit report inaccuracies, and strict compliance with federal laws governing my information.Failure to address these concerns promptly may result in legal action. Your immediate attention to this matter is appreciated.Sincerely,*************************

  

  Business Response

  Date: 04/09/2024

  Reference Number: BBB 21526830
  
  We have received your Complaint about credit bureau reporting.  We can confirm that the reporting to *********** is correct and in compliance with reporting requirements.  Crescent Bank has an executed Retail Installment Contract dated April 1st, 2020 for a 2013 ***** Civic, with your signature on the contract.  Crescent Bank does not issue credit cards or report on late credit card payments.  We disclosed that we would report on your payment history in the welcome letter that you received at the time of funding. We are sending you a copy of that letter to your home address.
  
  Please call ** at ************** to discuss payment options for the outstanding balance, or write to ** directly at Crescent Bank, P.O. Box 2585, *******,***** 75001.
  
  Thank you,
  Crescent Bank Complaint Department 

• Initial Complaint

  Date:04/01/2024

  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.

  On 27, December 2023, I made a payment of ******* on my car loan in order to get my car back and was told that I still owe 1059.00.On 25, January 2024 I made a double payment on my car loan and Crescent Bank took the ******* I paid and put it all towards the interest and they blocked me from accessing my account online so that I wouldn't know. I called to check my balance and they're saying I still owe ******* towards my account. Mind you, I just sent them ****** towards my car loan account 29 March 2024 and have another payment set up to be posted 03, April 2024. My question is: Why I'm paying out so much money to Crescent Bank and they're taking majority of my payment putting it towards my interest and keep telling me that I still owe on my car loan. I feel that I'm being railroad by this company.I am an owner of a product I purchased and being a victim at the same time. I purchase a 2018 Kia ******** that has been broken into 4X, stolen once, and attempted to be broken into 28, March 2024 while at work.

  

  Business Response

  Date: 04/08/2024

  Complaint reference: 21503780
  
  ******************,
  We have received your BBB filed concern regarding your Crescent Bank account which was funded with a Retail Installment Contract dated March 26, 2021. The contract is a simple interest contract which calculates interest daily off the outstanding principal balance.  We have attached a detailed explanation as to how simple interest works. We will also mail your transaction history to your home address, so you can see the breakdown of the payments.
  The records indicate that ***************** was able to get online into the secured portal January 22, 2024, and changed her preference to online statements. She has not been blocked out the system, however may just need her password reset.
  Please contact ** to discuss the account on **************, or write to ** directly at Crescent Bank, P.O. Box 2585, *******, ***** *****, with any additional questions.
  
  Crescent Bank Complaint Department 

• Initial Complaint

  Date:03/25/2024

  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.

  Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681(I) of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.Item ************** Name Account Number Comments 1. ********************** and ********************** $12200- Account number: ********* 2. Pentagon federal credit union $406- 329916XXXXX Account number: 3. Pelican state credit union $869- Account number: ********** 4. Neighbors ******************** $1326 5. Telco $3698- Account number: ********** 6. Discover bank $665- Account number: **************** ?Under the Fair Credit Reporting Act, you have thirty (30) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty (30) days constitutes reason to drop the information from my file.Also, 15 USC Section 1681i (d) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

  

  Business Response

  Date: 03/26/2024

  Reference Number: BBB 2482209
  
  We have received your Complaint about credit bureau reporting.  We can confirm that the reporting to *********** is correct and in compliance with reporting requirements.  Crescent Bank has an executed Retail Installment Contract dated April 30th, 2018, with your signature on the contract. If you state that the loan was not taken out by you,you would need a fraud affidavit and a police report to research that.
  
  Please call ** at ************** to discuss payment options for the outstanding balance, or write to ** directly at Crescent Bank, P.O. Box 2585, *******,***** 75001.
  Thank you,
  Crescent Bank Complaint Department 

  Customer Answer

  Date: 03/26/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Id like the original forms sent to me with my signiture on.
  
  Regards,
  
  *****************************
  
   
  

  

  Business Response

  Date: 03/26/2024

  In order to safeguard consumer privacy, Crescent Bank cannot send copies of account documents based on BBB requests. Please call ************ to request copies of account documents or discuss your account.

  -********************** Complaint Department

• Initial Complaint

  Date:03/19/2024

  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 was 15 days late on my payment. I pulled up to my dads driveway and as soon as I pulled up there was a tow truck that reversed right in front of me so I reversed because I didnt know what was going on. I was occupied in the car with my 2 year old son. My car was still on and in reverse when the tow truck guy literally lifted my car with us in it. I had no idea what was going on until he got out the car and told me he was from crescent bank to repossess my car. I was only 15 days late. I then called the loan company and informed them what was happening and they were no help at all. I had already made a payment not too long ago to get me caught up. As of now I owe 906. The agent couldnt even give me a balance nor a supervisor so I called the police. When the police arrived they then lowered my car and I believe detached the lift. The cops advised that this was a civil matter and there was nothing they could do. My only concern in that not only was I put in danger but also my 2 year old son. They then lied and said they didnt know I was in the car. Which they did because they did it as soon as I pulled up. It wasnt even a split second and I also have family witnesses as well. Not sure how to go about this or if this is even legal on their part since my car was turned on and occupied with me and my child in the car

  

  Business Response

  Date: 03/25/2024

  We have received your BBB filed concern regarding your Crescent Bank account.  The account was assigned for repossession due to lack of payments.  The concern about the pickup of the car was escalated to the vendor and they addressed it with the tow truck driver. Crescent Bank will waive the repossession fee from the account;however, the account would have to be brought current to get the vehicle back as is standard practice.  Please contact ** to discuss the account on **************, or write to ** directly at Crescent Bank, P.O. Box 2585, *******, ***** *****, with any additional questions.
  
  Crescent Bank Complaint Department 

• Initial Complaint

  Date:03/19/2024

  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 have been trying to get a resolution from Crescent for over a month. I get told i will get a call back and never do. They were supposed to stop calls from their company in regards to payment and I still get harassed and they have reported it to credit agencies which has affected my credit score. I cant believe that this problem has not been resolved and has taken over a month and I get no answers.

  

  Business Response

  Date: 03/25/2024

  Complaint reference: 21451520
  
  Ms. Faulo,
  We have received your BBB filed concern regarding your Crescent Bank account which was funded with a Retail Installment Contract dated July 13, 2023. At the time of the transaction, the title on the vehicle was free of any branding that the vehicle was a total loss and or salvage title. **************** has spoken with the title department and has been informed that the vehicles title history has been fully researched and there is no prior title that shows that there were any issues.  We have also verified with ***************** of ***** Vehicles and they have a regular title without any branding of the vehicle being a total loss or salvage vehicle. The loan is active and has a valid ****** title.
  Please contact ** to discuss the account on **************, or write to ** directly at Crescent Bank, P.O. Box 2585, *******, ***** *****, with any additional questions.
  
  Crescent Bank Complaint Department