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Business Profile

Financial Services

Crescent Bank

Complaints

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

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Crescent Bank has 13 locations, listed below.

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    Customer Complaints Summary

    • 90 total complaints in the last 3 years.
    • 25 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:11/16/2022

      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.
      We have been doing business with this company going on 2 yrs and we pay the same way all the time we split the payment up and pay the late fee when we new we had to pay this way we called the company and asked about what the late payment would be and that is what they told us. Now after paying like this they say we owe extra 305 which when me and my wife call they have gave us 3 different reasons why and still can't give me and real reason just that we owe them money.

      Business Response

      Date: 12/16/2022

      Complaint ID: ******** *********************


      We are in receipt of your complaint regarding the past-due amount and the application of payments to the account. The monthly payment of $323.53 was stipulated and agreed upon when signing the financing contract on 6/1/2021. If you would like a copy of the payment history that reflects the timeliness of your payments and how your payments are applied, please contact us directly.  


      ********** currently owes $369.30; the September 2022 and October 2022 monthly payments were not paid in entirety. On September 4th,2022, a $20 late fee was assessed bringing the total due to $343.71, September 19th, 2022, a $109.00 payment was posted bringing the total due to $234.71, September 23rd, 2022, the $323.53 monthly payment due brings the total due to $559.24, September 28th, 2022, a $100 payment was posted bringing the total due to $458.24.


      October 4th, 2022, a $106 payment was posted bringing the total due to $352.24, October 5th, 2022, a $20 late fee was assessed bringing the total due to $372.24, October 9th, 2022, a $50 payment was posted bringing the total amount due to $322.24, October 23rd,2022, the $323.53 monthly payment due brings the total due to $645.77.
      November 3rd, 2022, the $340 payment was posted bringing the total amount due to $305.77, on November 4th, 2022, a $20 late fee was assessed bringing the total due to $325.77, November 18th, 2022,a $200 payment was posted bringing the total amount due to $125.77, November 22nd,2022, a $100 payment was posted bringing the total amount due to $25.77,November 23rd, 2022, the $323.53 monthly payment due brings the total due to $349.30.


      December 5th, 2022, a $20 late fee was assessed bringing the total due to $369.30.


      Based on our research, we have found that the payments received have been applied accurately to the account. Our records show that we have sent monthly statements to the address on file. 


      If you still have any additional concerns, please call us at ************** or write to us directly at Crescent Bank, ****************************, ***** 75001.


      Thank you,


      Crescent Bank ********************

    • Initial Complaint

      Date:11/10/2022

      Type:Billing 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.
      on 7/3/2022 my car was totaled. I was still making payments during claim because i did not want my credit effected. I made a payment on 8/10/2022 of $469.95 My insurance called crescent on 8/10/2022 as well for a payoff quote. They were quoted 10 days from 8/10/2022. The check was issued. Crescent called me & told me that they made a mistake quoting my pay off to my insurance, instead of being quoted 10 days from 8/10/2022 they were supposed to quote from the date of loss of the car which was 7/3/2022. They told me the payment I made on 8/10/2022 will return to my bank account & that my insurance overpaid & I will receive a check with a paid in full letter. I received a paid in full letter & a check of $125. The payment for $469.95 that I made on 8/10/2022 was never returned to my bank account. I called ***************************** told me on their end the payment returned so they advised me to call my bank, did on 9/14/2022 & got the payment back. Now crescent is saying I owe $297 not sure how this was calculated.I called them because this is a bank error they agreed and said they would write the amount off. They advised this would not effect my credit. The amount has not been written off and it has effected my credit. They continue to tell me a supervisor will contact me, they have not. I called today & agent told me a write off would be a ************ do not agree because this is a bank error. Now they are saying my Insurance didnt cover the full amount but my settlement was way more than amount due, my insurance sent what they were quoted which was over the payoff amount from 7/3/2022 which is why I got a overage check of $125 with my paid in full letter.I have proof of ************** transaction of $469.95 on 8/10/2022 was supposed to return to me I attached transaction report from website. I do not want this effecting my credit when I did nothing wrong besides listen to this bank! They are the ones that quoted wrong, never returned a payment &told me to call my bank

      Business Response

      Date: 12/07/2022

      Dear *******************************,


      Thank you for taking the time to communicate your concerns.We researched your complaint. The balance due has been waived. Your account is marked paid in full and your credit report history has been updated to reflect the 8/19/2022 paid in full date. If you have any further questions or concerns, please contact us directly so we may assist you. Thank you again for bringing this to our attention. We appreciate your business.  


      Crescent Bank

    • Initial Complaint

      Date:10/20/2022

      Type:Billing 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 keep getting collection calls from them for a ***********************. I have told them over a dozen times to stop contacting this number. I got the phone number is ******* after Straight Talk was breached and my original number was ported out unauthorized. They tell me they qont call again but they keep calling every single day 2 and 3 times a day. I've had enough.

      Business Response

      Date: 10/27/2022

      Dear *****************************,


      Thank you for taking the time to communicate your concerns, we have researched your complaint regarding the mistaken collection calls you were receiving. We sincerely apologize and would like to express our deepest regret for the inconvenience caused by this unintentional and rare mistake. We have removed your phone number and notated it as the wrong number. Thank you again for bringing this to our attention.

      Crescent Bank

    • Initial Complaint

      Date:09/23/2022

      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.
      Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account.
      CRESCENT BANK AND TRUS
      Account Number: 10042
      Delete this unverified and misleading account.

      Business Response

      Date: 09/26/2022

      Dear ****** ******


      Thank you for taking the time to communicate your concerns, we have researched your complaint and found that
      we have a contract on file signed, on December 02, 2014. If you are still
      interested in obtaining a copy of the original contract, please contact us
      directly. Thank you again for bringing this to our attention. We appreciate
      your business.

       

      Crescent Bank

    • Initial Complaint

      Date:09/23/2022

      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'm depressed and suicidal after dealing with unauthorized use of my personal information. Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the fdcpa and must be deleted immediately because those are serious violations and I could be compensated for them.

      Business Response

      Date: 10/06/2022

      Dear ***********************,


      Thank you for taking the time to communicate your concerns, we have researched your complaint and found that we have a contract on file signed, on April 08, 2016. We also have a copy of the drivers license provided when the account was opened, on April 08, 2016.  Please contact us directly if you would like to obtain a copy of any of the documents listed. Thank you again for bringing this to our attention. We appreciate your business.  


      Crescent Bank

    • Initial Complaint

      Date:08/30/2022

      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 have contacted crescent bank several times by phone to ask them per DMV License Plate Office North Carolina at **** ********** ***** ***** * ****** ***** ******** ***** ***** ******** to send my original title to them front and back by mail. I moved to the state of North Carolina from Ohio and I have been back and forth to this title agency several times in the month of June 2022 and July 2022. Everything I have In my possession was not adequate enough. The title people apologized but said they need the finance company to send the original front and back. Since I still finance the car. So I spoke to the representative of Crescent who said Gabby is in charge of the title department and to send her an email stating what the North Carolina title agency needed. So I did that. So I played telephone tag throughout June 2022 and July 2022 and Gabby said since I don't live In Ohio anymore it can't be faxed it would need to be sent by mail by the head department of Crescent bank. Gabby then explained that it could take a week or so. So I said ok well I'll be patient and check back with you. So I did I waited until the 2nd week of July 2022. So I called back in and spoke with Gabby again and she said she sent it to the North Carolina title agency on July 14th, 2022. So I said ok well I'll head down there and go register my car. Well I got there and the agency said they never received anything from Crescent by mail. Keep in mind my birthday is June 21st 1981. I have been with no registration all this time. I have had nothing but issues with this finance institution and to be honest I have had this car for almost 4 years paying $607.00 a month on time not one late payment. I am disabled and I have children. This is ridiculous. I even went to Dodge since I have a Dodge Charger to ask their input they said contact the BBB and I also asked a police officer and he said the same thing. I am so furious this company gets on time payments and I honor that faithfully. Please help.

      Business Response

      Date: 09/07/2022

      Dear ******* *******


      Thank you for taking the time to communicate your concerns, we have researched your complaint and found that
      the Collateral Department faxed the front and back of the title to the DMV per
      title transfer requirements guideline. The Collateral Department Manager has
      made several attempts to contact you, at the number we have on file for you. Please
      contact Ana D******, Collateral Department Manager at her direct line ###-###-####
      so we can assist you. Thank you again for bringing this to our attention. We
      appreciate your business.  


      Crescent Bank 

      Customer Answer

      Date: 09/07/2022

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]



      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID 17795896, and find that this resolution is satisfactory to me. 



      Regards,


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

      Hello I will be going to the North Carolina Title agency Thursday September 8th 2022 latest Friday 9th 2022 per conversation with Anna D***** title manager yesterday Tuesday 6th 2022. I am hopeful everything will be a smooth transition for me to register my vehicle finally. Should I have any issues I will contact Anna immediately. Thank you for your time! *********

    • Initial Complaint

      Date:08/23/2022

      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.
      Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.

      Business Response

      Date: 09/01/2022

      Dear ***********************,


      Thank you for taking the time to communicate your concerns, we have researched your complaint and found that we have a contract on file signed, on December 02, 2014. If you are still interested in obtaining a copy of the original contract, please contact us directly. Thank you again for bringing this to our attention. We appreciate your business.  


      Crescent Bank

    • Initial Complaint

      Date:08/22/2022

      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.
      The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C **** SECTION 602 A. Stated I have the right to privacy.ACCOUNT # **************

      Business Response

      Date: 09/01/2022

      Dear *************************,


      Thank you for taking the time to communicate your concerns, we have researched your complaint and we are confirming that we accurately reported the status of your account. If you have any further questions, please contact us directly. Thank you again for bringing this to our attention. We appreciate your business.  


      Crescent Bank

    • Initial Complaint

      Date:08/19/2022

      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 have been trying to get a state title change to register my vehicle after moving. I have been working on this for 3 months and still do not have the cooperation of the business. They have given me 3 different answers for how to handle the situation. After spending time at the *** to get a straight answer abiht what i need to do and what the lein holder needs to do I sent a packet to Crescent Bank with everything thwy needed. However their website provided a false mailing address. While it is an address they can receive mail at it simply gets forwarded and adds time to the process. On top of that they seem to have lost what I sent them in that forwarding process, which includes a cashiers check, and therefore haven't started processing anything.They are literally affecting my income, which I use my car for, bc I haven't been able to legally drive for much of the last few months. I spent around $80 at the OR *** to get temporary tags but they only last 42 days maximum and I can't buy more. The *** takes 6-8 weeks to process title changes meaning every moment counts. Their circle of mail to create delays, improper handling of materials in their possession, and misinformation both on their website and directly to me over the phone has caused severe distress in my life. On top of all of this I have requested to speak to someone in management or a complaint department but was told they don't take calls bit would call me back. Its been weeks and still no call. Today I was told by a different staffer they don't even make calls out but they will try to get me on the phone with someone. I still haven't spoken with anyone.They have been impossible to contact and deal with and all I'm asking for is for them to show up for thier responsibility as a lein holder and process my paperwork so that I can get back on the road. Would a phone call be nice? Sure but this is about my livelihood. I need them to follow through.

      Business Response

      Date: 08/24/2022

      Dear *****************************,

      Thank you for taking the time to communicate your concerns, we have researched your complaint and found that the ********************* Manager contacted you on August 19, 2022, to the number we have on file for you. The ********************* Manager explained that the title state transfer is in progress as of now, the ********************* is currently waiting on the paper title to arrive within 5-7 days from the time it was requested on August 22, 2022. If you have any further questions or concerns, please contact us directly so we may assist you. Thank you again for bringing this to our attention. We appreciate your business.  

      Crescent Bank

    • Initial Complaint

      Date:08/04/2022

      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 fighting with them for over a month the insurance company sent them a check to pay off the account in the banks records it states it was paid off in June now the reported to the credit agency's that it was not paid in July. So now I cant do anything because my credit is showing this i tried to call bank all I get is the run around. I have proof they accepted the check and the account is at a zero balance.

      Business Response

      Date: 08/31/2022

      Dear *******************************,


      Thank you for taking the time to communicate your concerns, we have researched your complaint and found that the insurance payoff check was received and processed, on August 02, 2022. We will report the account as paid in full with our August update to the credit reporting agencies. This update will be submitted in early September. We only provide updates monthly. If you have any further questions or concerns, please contact us directly. Thank you again for bringing this to our attention. We appreciate your business.


      Crescent Bank

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