Complaints

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

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• 

  Academy Bank, N.A.

  1111 Main St Ste 202 Kansas City, MO 64105-2114

• 

  Academy Bank, N.A.

  PO Box 26458 Kansas City, MO 64196-6458

• 

  Academy Bank, N.A.

  3022 S Belt Hwy Saint Joseph, MO 64503-1547

• 

  Academy Bank, N.A.

  1000 NE Sam Walton Ln Lees Summit, MO 64086-8426

• 

  Academy Bank, N.A.

  1700 N 291 Hwy Harrisonville, MO 64701-1218

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:09/19/2022

  Type:Service or Repair 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.

  My bank the Academy Bank has blocked my access to my money n refuse to allow me access unless I get a notary of my ID and signature but won’t send the documents to do so n I haven’t had access to my money since September 8 so they shouldn’t be asking for a notarization if they don’t have or won’t send the documents they need to get notarized I have bills to pay and can’t do so while they hold my money hostage all I ask is to either they send me the legal documents they want me to get notarized or they drop the notary thing n just give me access to my money

  Business Response

  Date: 09/22/2022

  Concerns that you
  have raised:
  
  You state the Bank has blocked access to your account and refuse to give you access until a notarized copy of your ID and signatures is received but refuse to provide you the document to complete this process. This has resulted in your inability to pay your bills.
  You are requesting that the necessary forms to complete this process be sent to you and for the Bank to allow you access to your funds.
  
  Research into the
  matter reveals the following:
  
  Our records indicate that someone other than you have made numerous attempts to call the Customer Care Center and access your account. Because of this, the Bank is requiring a notarized copy of your ID and signatures be sent in and approved before access to the account will be given.
  There is no specific form or document required to have this completed. You simply need to take your ID to a notary along with a sheet of paper, present the ID to them and sign the paper in front of them and have them stamp with their valid notary seal and sign it. Once this has been completed, please provide this document with your notarized signature, the notary seal and signature and a copy of your valid ID on the same sheet of paper to the Bank and we will assist you in reestablishing access to your account.

• Initial Complaint

  Date:09/10/2022

  Type:Service or Repair 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.

  During the 1st week of June, I was making an attempt to make an $80,000 contribution to the ********** ***** ** ****** and went to a Academy Bank branch on **** * ****** **** ****** ** *****. I provided my ID and account information, yet I felt like I was interrogated by the Manager asking questions typically asked by the FBI. The bank manager was conversing with an Area Branch Manager for over an 1hr and 20 minutes before I was given approval to get a certified cashier's check made only to be cock-blocked by bank manager making the excuse that he is unable to get printer to work at location, advising me that this is only printer at location. I went through this process multiple times by several different branch locations thus delaying my ability to make a contribution to the ********** ***** ** ******* the point is that I had to travel all the way to my Academy Bank in Pueblo, CO in order to print the check which took over a week to finally get done after numerous attempts, only to be denied by the ********** ***** ** ****** stating that my contribution exceeds applicable laws, yet many corporations are able to donate millions of campaign funds to political parties without a blink of an eye by banks or the government. Yet our government's political parties and banks harass civilians and make it so difficult for 'We the People" to make a change in this political environment is NOT American Freedom, THIS IS RUSSIAN OLIGARCH's making every effort to prevent political change and freedoms like our Four-Father's intended. In addition, the fact that I have to call my bank every time I make a transaction over $1500, this seems like intimidation against democrats that have money and should not be the case once a consumer has reached a checking/savings amount. I wanted to make an opportunity to be able to save money for possible home purchase in the future, but sadly no local banks provide a refined interest rate for first time homebuyers. priveleges are too political

  Business Response

  Date: 09/19/2022

  
  
  
  Concerns that you
  have raised:
  
  You state you went into the branch to obtain a cashier’s check for $80,000 to contribute to your local democratic party. You state that you were asked questions regarding the transaction that you felt were unnecessary and made you feel as if you were being interrogated.
  You further state that after you answered these questions, the branch was unable to print the requested check and instructed you to visit another location to get the transaction completed.
  You also state that you must contact the Bank each time you want to spend more than $1,500 in a day using your debit card which you feel is unnecessary and a form of intimidation.
  You are requesting that service charges assessed to your account be waived to compensate you for the traveling you had to do to get the requested cashier’s check because your local branch was unable to get it completed.
  
  Research into the
  matter reveals the following:
  
  The Bank recently adopted a new process for printing cashier’s checks and there were issues with this new system at the time you were requesting the cashier’s check mentioned above. We sincerely apologize for that inconvenience and have credited your account $40 as a courtesy for your trouble.
  The questions asked by the branch employees are standard when a client is requesting a transaction for $80,000 and not meant to make you feel as though you are being interrogated. Our records indicate that the requested check was issued to you on June 10, 2022.
  The $3,000 limit placed on all debit cards issued by the Bank is there to limit possible loss in the event the card should be lost or stolen. The Bank’s website and mobile banking applications offer clients the ability to raise the limit on the card through self-service rather than having to contact the Client Care Center should you need to make transactions above the $3,000 daily limit.
  We sincerely apologize for any inconvenience this situation may have caused.
  

• Initial Complaint

  Date:09/09/2022

  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 cashed my 401K. I paid taxes and fees to complete the transition. I deposited the check in my account at Academy Bank. They placed a hold on my funds for 11 days and then tried to get me to take out a loan to have access to the funds. I believe this to not only be fraudulent but unethical business practices.

  Business Response

  Date: 09/16/2022

  Concerns that you
  have raised:
  
  You state you cashed out your 401K and deposited a check for the proceeds into your account and the Bank placed an 11 day hold on it.
  You further state that the teller that assisted you attempted to have you apply for a loan so that you would have funds until the deposited item was available which you felt was unethical.
  You are requesting that the deposit be made available to you immediately.
  
  Research into the
  matter reveals the following:
  
  Our records indicate that you made a deposit in the amount of $9,736.97 on September 7, 2022.Due to the amount of the deposit and the account not having a compensating balance, a hold was placed on the item until it cleared through the issuing bank.
  As of September 16, 2022, the hold was released, and the funds are available for your use.
  In regard to the teller discussing the option of a loan, it was not intended in malice. In the retail environment of the branches, offering clients options to help them through financial issues or hardships is our goal.

• Initial Complaint

  Date:08/15/2022

  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.

  Date of transaction: 8/5/2022
  Deposit amount $85.00
  Last 3 digits of account# *** Recipient ID ************* Trace Number ***************  The information above was given to me by **** *** support to give to Academy bank for investigation.
  
  I have been trying to contact Academy Bank's ACH department to resolve this issue.
  On 8/5/2022 I transferred 85 dollars out of my **** *** to what I believed was my ** **** (my current bank) but it turns out the funds were successfully transferred to academy bank, my old checking account which has been closed for some time before the transfer was initiated.
  
  I have contacted **** *** support, they tell me I need to contact the bank.
  I've contacted the bank, they tell me my funds will be refunded within 3 to 5 days, (it's been 10 days) and to follow up with **** *** support (which tells me to follow up with the bank.)
  
  So far, one academy bank customer service representative has told me to wait the 3 to 5 days, even though I told her that the 3 to 5 days had already passed. She then went on to tell me I'd have to log into my online banking with them in order to get any real help. (I closed this account months ago, so I do not have access to online banking, the representative knew this at the time so she chose to not help further by ending the interaction that way)
  
  So far, it's been 10 days and I have not heard back from Academy bank and I've emailed ******************************** ****************************** *** ***********************************. I have not heard back yet and my money is just sitting somewhere and no one wants to look into it for me.

  Business Response

  Date: 08/25/2022

  Concerns that you
  have raised:
  
  You state you inadvertently sent a deposit for $85 through **** *** to your Academy Bank account which you state you closed a few months ago and therefore have no access to.
  You further state you have been back and forth between the Bank and **** ***’s customer service to recover your funds and have gotten the run around from both companies.
  You are requesting the $85 be credited back to you.
  
  Research into the
  matter reveals the following:
  
  Upon receipt of your complaint, research was performed regarding your account and your attempts to resolve the issue. We were unable to locate any calls made to the Client Care Center Regarding this situation.
  Client Relations contacted you and informed you that your account had not been closed and had a balance of $341.15 which included the $85 **** *** transfer mentioned in this complaint.
  As per our conversation, you transferred the funds to your new account at ** **** on August 17, 2022, and the account has been closed as per your request.

  Customer Answer

  Date: 08/26/2022

  [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 ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Regards,
  
  
  
  ***** ******

• Initial Complaint

  Date:08/04/2022

  Type:Service or Repair 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.

  Academy Bank closed my bank account on July 7th, 2022, without knowledge or permission from me. I had $250 they closed my and they sent me $17.41 cashier's check as provided below in the image. I am on disability and had just got my check. This bank had in the past before cancelation they had restricted the account where i was only allowed to spend whatever they said that day i could. I would like the remaining funds that they still have. Please contact me anytime for questions Thank you for helping.

  Business Response

  Date: 08/10/2022

  Concerns that you
  have raised:
  
  You state in your complaint that Academy Bank closed your bank account July 7, 2022, unbeknownst to you, and without your consent.
  You state that at the time you had $250.00 in the account, and you only received $17.41 in a cashier’s check.
  You also imply that you had just gotten your disability check, so there was no way you could only have $17.41.
  You also state that Academy Bank had previously restricted your account to where you could only spend what the Bank said you could for that day.
  You are requesting the remaining funds you think the Bank still has.
  
  Research into the
  matter reveals the following:
  
  On November 2, 2012, you enrolled in Academy Bank’s Overdraft Program.
  During your business relationship with Academy Bank, you utilized the program overdrawing your account multiple times for lengthy periods of time resulting in a lower overdraft limit at your disposal.
  On April 4, 2022, you overdrew your account by $1,424.64.
  On May 31, 2022, due to your account being overdrawn for 58 consecutive days your account was administratively suspended, limiting your access to the account due to the outstanding balance of -$609.09.
  On June 1, 2022, you received a Social Security Deposit of $841.00 leaving you a positive balance of $231.91.
  As of June 13, 2022, your account balance was $0.78. On June 21, 2022, you received a paper statement fee of $4.50, leaving an overdrawn account balance of $4.22.
  On July 1, 2022, you received another Social Security Deposit of $841.00.
  Between July 1, 2022, and July 6, 2022, your remaining account balance was $17.41.
  Academy Bank per our Deposit Account Agreement reserves the right to close any account at any time. However, your Freedom Checking account was sent to collections twice within your tenure with us. After two instances of being sent to collections, the only account we will provide is a Restore account.
  Your Freedom checking account was closed due to your failure to respond to our requests to open a Restore account.
  I have attached your account statements for review pertaining to your cashier’s check of $17.41.
  

• Initial Complaint

  Date:07/27/2022

  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.

  Academy Bank placed limits on the time and amount of funds that can be transferred via social accounts. I called to get the limit time span of the limit. Escalated the call the Customer Care Sup. *********. She was rude, unprofessional and constantly spoke over me. She advised that she did not have the ability to send me documentation of the banking policy as it relates to social limits. ********* hung up on me in mid conversation as I attempting to clarify next steps. ********* as a leader should be more knowledgeable, professional and willing to help.

  Business Response

  Date: 08/01/2022

  Concerns that you
  have raised:
  
  You state the Bank has placed limits on funds transfers through third party transfer person-to-person services such as **** *** without notification to you.
  You further state when you reached out to the Client Care Center, the supervisor you spoke with was rude and unhelpful and she ultimately hung up on you.
  You are requesting the information regarding the limits when using **** *** in writing.
  
  Research into the
  matter reveals the following:
  
  Due to a significant amount of fraud through the person-to-person transfer services, the Bank has placed limits when using these forms of payment to protect our clients from potential fraud.
  The limits currently in place are $1,500 per transaction, five transactions per day and a total of 10 transactions in a 14-day timeframe.These limits can not be changed or overridden.
  The calls made to the Client Care Center where your account was accessed were pulled and reviewed. Detailed training was sent to the associate who spoke with you to provide them with the necessary information to assist client’s who contact them with questions such as yours.
  We sincerely apologize for any inconvenience this situation may have caused.

  Customer Answer

  Date: 08/02/2022

  [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 ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Regards,
  
  
  
  ****** *****