Complaints

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

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Home Loan Savings Bank, The has 4 locations, listed below.

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  Home Loan Savings Bank, The

  413 Main St Coshocton, OH 43812-1523

• 

  Home Loan Savings Bank, The

  1387 Coshocton Ave Mount Vernon, OH 43050-1441

• 

  Home Loan Savings Bank, The

  590 Walnut St Coshocton, OH 43812-1632

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  Home Loan Savings Bank, The

  503 W Main St West Lafayette, OH 43845-1134

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:02/07/2025

  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 was to have my taxes back on the 5th. So, I made payment arrangements for my bills. IRS sent an email saying they were sorry but it would be the 22nd now. So, the bank is charging overdraft fees. It was explained (when opening account) it’s $34 fee per day. They are charging per bill. PLUS, it’s all returned and they are charging me $34 for each bill on top of the overdraft (which isn’t because the payments didn’t go thru. They REFUSE to help in any way. I’ve had issues with them years ago for doing shady crap like this. How can they charge overdraft and return fees for the same thing? I’ll never get out from under that. I’m in a disability case and I feel they are taking advantage of my situation.

  Business Response

  Date: 02/26/2025

  Thank you for the feedback.

  I see from the screenshots from the customer, the conversation is documented appropriately.  My explanation for how the fees are charged remains the same.  When the account is Negative (in red if you refer to the attachment "****** Overdraft Transactions") and a subsequent debit is posted to the account, a fee will be charged.  It appears the customer's interpolation of how the fee is charged is incorrect.  I supported the fees being charged by attaching a Fee Schedule to the customer as well as to this response...again, I see it was attached in her documentation.  We do have a copy of the signature card on file where the customer did sign acknowledgment of all the accounts terms and conditions. I did not include the copy of the signature card on this response to protect the privacy of the customer.  If a copy is needed, I can give it to her so she can handle it as she sees fit. 

  It is important to know that the customer was not charged twice for an overdraft.  Referencing "****** Overdraft Transactions" shows where the item was posted, not paid and returned. For example, $188.11 attempted to be paid on 2/5/25, not enough money was in the account (the customer has until close of business to deposit money to avoid a fee), the following day 2/6/25 (the next day) a fee is charged.  The account remained negative when the other 3 items posted...same rule applies and the fee was charged. We offer online banking to our customers (which she has) to help monitor the account to avoid these situations.  The error with the IRS deposit date or authorization of the transactions was not an error caused by the Bank.

  There is a piece of the conversation that **** omitted from the feedback to BBB; which I have attached.  She asked us to close her account and I wanted to make sure she is aware that this would charge off the account, report it to chex systems, but payments could be made.  If the account were to remain open, more fees could be charged if the payees she agreed to pay continued to resubmit their payment...again, payments she authorized.  Handling this way was to minimize any further expense allowing her to remove her information from chex systems. 

  In closing, we respectfully disagree with the customers position where fees were charged twice. We remain consistent with our fee structure with all customers of the Bank to make Banking consistent and convenient. 

  Customer Answer

  Date: 02/27/2025

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

  
  Why the 2 different prices and fees? I contacted them and told them why I tried to pay my bills and that my taxes didn’t come in as my tax company said it would be. I told them this before any payment tried to go thru. Today my taxes came in and they paid off those fees and they are holding the rest. So, not only do I still not have my taxes, now that they took possession, I don’t have enough to pay my shut off notices because they took the fees out of it. It’s said when companies take advantage of people that got put off work by a doc and forced to go thru all steps to try to get disability!
  
  Regards,
  
  
  
  **** ******