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Business Profile

Banking Services

SouthState Bank, N. A.

This business is NOT BBB Accredited.

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Complaints

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

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SouthState Bank, N. A. has 834 locations, listed below.

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    Customer Complaints Summary

    • 57 total complaints in the last 3 years.
    • 20 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:07/27/2024

      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.
      This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error. I did not receive a statement 21 days before the late payment error. If the finance charge is included, there should be no late payments pursuant 15 USC 1605(a) due to the finance charge bringing the sum of all charges so I cannot be penalized for something that is already paid in full.

      Business Response

      Date: 07/29/2024

      This complaint pertains to an account financed by the Bank but offered through **** *********, Inc.

      Please forward to Self for investigation and resolution.

    • Initial Complaint

      Date:07/27/2024

      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 recently reviewed my credit report and found an unauthorized account that has been fraudulently opened in my name. I am a victim of identity theft, and I have filed a complaint with IdentityTheft.gov. I have enclosed copies of the complaint and other supporting documents for your reference.

      The details of the unauthorized account are as follows:

      Creditor Name: SELF/SOUTHSTATE BANK
      Opened Date: 11/01/2021
      Account Number: CRD000XXXXXXXXXXXXXX
      High Credit: $297.00
      This account was not opened by me, and I have no knowledge of its origin. I request that you investigate this matter and remove this account from my credit report. Additionally, please provide me with any information you may have about this account and the fraudulent activity associated with it.

      Thank you for your prompt attention to this matter. I look forward to your response.

      Business Response

      Date: 07/29/2024

      This complaint pertains to an account financed by the Bank but offered through **** *********, Inc.

      Please forward to Self for investigation and resolution.

      Customer Answer

      Date: 08/27/2024

      I am writing to bring to your immediate attention a serious issue regarding fraudulent accounts appearing on my credit report. As a victim of identity theft, I am extremely concerned that these inaccuracies could have devastating effects on my financial reputation and future. I have already filed a formal complaint with IdentityTheft.gov and have attached copies of the related documentation for your review. After reviewing my credit report, I identified the following accounts that are not mine and should be removed without delay: Creditor Name: SELF/SOUTHSTATE BANK Opened Date: 11/1/2021 Account Number: CRD000XXXXXXXXXXXXXX High Credit: $297.00 Creditor Name: SELF/SOUTHSTATE BANK Opened Date: 11/1/2021 Account Number: D00000XXXXXXXX High Credit: $1,297.00 These accounts are entirely fraudulent and are the result of identity theft. Given the severe implications of these inaccuracies, I demand that these accounts be investigated and removed from my credit report immediately.
    • Initial Complaint

      Date:07/22/2024

      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.
      I wrote a letter to Southgate pertaining to a 30 day late payment on my credit report. The payment was made May 15th Via their mobile app. It was an issue with their app which they provided to make the payments through. The payment was processed on my end. This is on them and I am filing a complaint with the BBB for their fraudulent practices. After sending them my last correspondence they replied and said they are legally obligated to report late payments. Well they are also legally obligated to supply a working means of paying my bill. The payment failure was 100% due to their equipment malfunctioning not due to anything on my part. These late payments are in clear violation of the Fair Credit Reporting Act, as it inaccurately reflects my payment history. As per the law, I request that they conduct a comprehensive review of their records to rectify this error promptly. It is imperative that they provide me documented evidence supporting the validity of this late payment. Should they fail to provide such evidence, I demand that they update the late payment entry on my credit report accordingly. Failure to comply with this request will leave me no choice but to pursue legal action to ensure the accuracy of my credit report and protect my rights as a consumer. Your immediate attention to this ****er is imperative. Nowhere in the FCRA does it state they must report a payment late when it's due to your own doing.

      I have attached screenshots that proves the payment was made with confirmation. If my late payment isn't updated to paid as agreed I will pursue litigation via state and county court or Arbitration

      they are violating the law. You are being abusive and unfair with your practices. They are causing severe financial harm and depression to me and my family with their abusive practices

      Business Response

      Date: 07/30/2024

      ******* ******
      **** **** ****** *****
      Lakewood Ranch, FL 34202

                                                                                                                                             July 30, 2024
      RE: BBB Complaint # ********

      Dear ******* ******,
      On July 22, 2024, SouthState Bank, N.A. (the “Bank”)
      received your complaint filed with the Better Business Bureau (BBB) regarding your belief that due to a malfunction with the Bank’s online
      banking system, your home mortgage loan payment due May 1, 2024, was not
      processed on time and the subsequent reporting to the Credit Reporting Agencies
      (CRAs) as past due is inaccurate. You are requesting the Bank take action to
      update its credit reporting. The Bank
      takes seriously its obligation to fully investigate complaints. Please accept
      this letter as our response.
      Our investigation revealed that you have a home
      mortgage with the Bank, originated on September 25, 2020, with monthly payments
      due on the first day of each month with a fifteen (15) calendar day grace
      period. If your payment is not received within thirty (30) calendar days of
      your due date, then the Bank is obligated under applicable law to report your
      loan as past due to the CRAs.
      Our review of the Bank’s online banking system’s
      performance history revealed no evidence of malfunctions at the time of your
      loan payment attempt on May 15, 2024.  Since we did not receive your payment by May 15,
      2024, we sent you a Delinquency Notice on May 17 and a Reminder Notice on June
      4, 2024.  The Bank finally received your
      May payment on June 6, 2024, but that was more than thirty (30) days past the
      due date.
      While we sympathize with your situation, the Bank is
      required under the Fair Credit Reporting Act (“FCRA”) to report accurate and
      timely information to the CRAs, whether positive or negative. The Bank has
      reviewed and confirmed the reporting of your loan as past due was required and
      accurate.
      If you have any questions, please reach out to the Bank’s third-party mortgage service provider
      Dovenmuehle Mortgage, Inc. (DMI), at ###-###-####.

      Sincerely,

      Justin S****
      Complaint Management
    • Initial Complaint

      Date:07/22/2024

      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.
      I wrote a letter to South State Bank pertaining to a 30 day late payment on my credit report. The payment was made May 15th Via their mobile app. It was an issue with their app which they provided to make the payments through. The payment was processed on my end. This is on them and I am filing a complaint with you (BBB) for their fraudulent practices. After sending SouthState Bank my last correspondence they replied and said they are legally obligated to report late payments. Well they are also legally obligated to supply a working means of paying my bill. The payment failure was 100% due to their equipment malfunctioning not due to anything on my part. These late payments are in clear violation of the Fair Credit Reporting Act, as it inaccurately reflects my payment history. As per the law, I request that South State Bank conduct a comprehensive review of their records to rectify this error promptly. It is imperative that they provide documented evidence supporting the validity of this late payment. Should they fail to provide such evidence, I demand that they update the late payment entry on my credit report accordingly. Failure to comply with this request will leave me no choice but to pursue legal action to ensure the accuracy of my credit report and protect my rights as a consumer. their immediate attention to this ****er is imperative. Nowhere in the FCRA does it state they must report a payment late when it's due to their own doing. I have attached screenshots that proves the payment was made with confirmation. If my late payment isn't updated to paid as agreed I will pursue litigation via my state and county court or Arbitration They are violating the law. They are being abusive and unfair with their practices. They are causing severe financial harm and depression to me and my family with Their abusive practices

      Business Response

      Date: 07/30/2024

      ****** ******
      **** **** ****** *****
      Lakewood Ranch, FL 34202

                                                                                                                                             July 30, 2024
      RE: BBB Complaint # ********

      Dear ****** ******,
      On July 22, 2024, SouthState Bank, N.A. (the “Bank”)
      received your complaint filed with the Better Business Bureau (BBB) regarding your belief that due to a malfunction with the Bank’s online
      banking system, your home mortgage loan payment due May 1, 2024, was not
      processed on time and the subsequent reporting to the Credit Reporting Agencies
      (CRAs) as past due is inaccurate. You are requesting the Bank take action to
      update its credit reporting. The Bank
      takes seriously its obligation to fully investigate complaints. Please accept
      this letter as our response.
      Our investigation revealed that you have a home
      mortgage with the Bank, originated on September 25, 2020, with monthly payments
      due on the first day of each month with a fifteen (15) calendar day grace
      period. If your payment is not received within thirty (30) calendar days of
      your due date, then the Bank is obligated under applicable law to report your
      loan as past due to the CRAs.
      Our review of the Bank’s online banking system’s
      performance history revealed no evidence of malfunctions at the time of your
      loan payment attempt on May 15, 2024.  Since we did not receive your payment by May 15,
      2024, we sent you a Delinquency Notice on May 17 and a Reminder Notice on June
      4, 2024.  The Bank finally received your
      May payment on June 6, 2024, but that was more than thirty (30) days past the
      due date.
      While we sympathize with your situation, the Bank is
      required under the Fair Credit Reporting Act (“FCRA”) to report accurate and
      timely information to the CRAs, whether positive or negative. The Bank has
      reviewed and confirmed the reporting of your loan as past due was required and
      accurate.
      If you have any questions, please reach out to the Bank’s third-party mortgage service provider
      Dovenmuehle Mortgage, Inc. (DMI), at 877.592.4003.

      Sincerely,

      Justin S****
      Complaint Management
    • Initial Complaint

      Date:07/11/2024

      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.
      I was never liable for this debt with ******** ******* ****, which recently changed its name to SouthState Bank, N.A, I do not have a contract with ******** ******* ****, which recently changed its name to SouthState Bank, N.A, they did not provide me with the original contract as I requested. All the information on the report is inaccurate.

      Business Response

      Date: 07/12/2024

      This complaint pertains to an account financed by the Bank but offered through **** *********, Inc.

      Please forward to **** for investigation and resolution.

    • Initial Complaint

      Date:05/24/2024

      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.
      The bank’s website offers a promotional deposit within two business days of the completion of the qualifying activities. The qualifying activities must be completed within 60 days. Now they are stating I have to wait 60 days for the bonus to be paid even though that’s not a requirement of the qualifying activities.

      Business Response

      Date: 05/30/2024

      Dear
      Katelan P****,

      On May 24, 2024, SouthState Bank, N.A. (“the Bank”)
      received your complaint filed with the Better Business Bureau (BBB) regarding
      the Bank’s $200 bonus promotional offer for eligible new customers. You believe
      you met the promotion’s qualification requirements and should be paid the bonus.
      The Bank takes seriously its obligation to fully investigate complaints. Please
      accept this letter as our response.
      Research into your complaint revealed you opened a
      checking account online on May 5, 2024, and entered the $200 promotion code
      “Earn200”. Due to the account being opened on a Sunday, your 60-day promotion
      qualification period did not begin until the next business day, Monday, May 6,
      2024, and will end on Saturday, July 6, 2024.
      The Promotional Bonus Payment section of the
      Promotional Offer Rules on the Bank’s website states: “If you meet all of the
      Eligibility and Qualifications above, we will post the $200 bonus to
      your account within 2 business days of the completion of the 60-calendar day
      qualifying period.”  We can
      confirm that you have met the qualification requirements and that your account will
      be credited the $200 bonus by Wednesday July 9, 2024.
      We trust this response provides clarity to your
      concerns. If you have any further questions, please reach out to the Bank at
      1.800.277.2175.
      Sincerely,
      Justin Smatt
      Complaint Management

      Customer Answer

      Date: 06/18/2024

       I am rejecting this response because:  No where on their list of requirements does it say the account has to remain open for x number of days to be paid the bonus or that the bonus would be paid after a certain number of days. This is not right.



      Sincerely,

      Katelan P****

      Business Response

      Date: 06/25/2024

      Dear
      Katelan P****,

      On June 18, 2024, SouthState Bank, N.A. (“the Bank”)
      received your communication filed with the Better Business Bureau (BBB) rejecting
      the Bank’s response to your May 24, 2024, complaint regarding the Bank’s $200
      bonus promotional offer for eligible new customers. You allege that the
      requirement of your deposit account to remain open for 60- calendar days is not
      on the list of requirements on the Bank’s website. Please accept this letter as
      our response.
      As explained in the Bank’s May 30, 2024, response, the Promotional Bonus Payment section of the Promotional Offer Rules on
      the Bank’s website states: “If you meet all of the Eligibility and
      Qualifications above, we will post the $200 bonus to your account within
      2 business days of the completion of the 60-calendar day qualifying period.”  Please refer to page 4 of the enclosed
      copy of the Bank’s webpage regarding the Earn $200 promotional offer.
      We can confirm that you have met the qualification requirements,
      that your account will be credited the $200 bonus by Wednesday July 9, 2024, and
      we consider your concerns addressed.
      Sincerely,
      Justin Smatt
      Complaint Management

      Customer Answer

      Date: 06/25/2024

       I am rejecting this response because: the requirement does not explicitly state the account has to be open for 60 days. The requirement says something has to occur within 60 days and I would be paid in two days after completion of the required. The requirement does not say after 60 days and then after two days one will be paid. It does not take 60 days to determine if I met the requirement if I meet it faster and I had no expectation or requirement to have the account open for 60 days to be paid. 

      I guess I’ll have to wait for the the payment on July 9, but this resolves my issue later than expected. It also does not solve the underlying issue that the website has false information and false terms. Other people should be made aware of this and the terms either updated for clarity or the requirement be held to what it says. 



      Sincerely,

      Katelan P****

    • Initial Complaint

      Date:05/07/2024

      Type:Service or Repair 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.
      Re: Account ending 2241
      On 01/11/2024, my wife, and I opened South State personal checking accounts under a @200.00 promotion. The requirements given me by Salena were highlighted in yellow which were " A $250.00 direct deposit within 90 day's OR a scheduled bill payment on the account, and 15 debit card transactions. MY wife received her bonus on March 12 (account ending 2304.
      I did not receive mine, as was told I did not do a direct deposit.
      It was any/or, as above. The bank had a serious data breach on or around 02/06, and for security purposes, as the unknown perpetrators had access to our full SSA numbers, names, account numbers, and emails, we chose to do the bank draft option.
      As mentioned she received hers, and I met the requirements, as well.
      All of the bank sites, such as BankRates.Com list the identical criteria to receive the bonus.+

      Customer Answer

      Date: 05/08/2024

      The issue has been resolved.

      Thank you.

    • Initial Complaint

      Date:04/14/2024

      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 was working to purchase a mobile home in Lakeland Florida. I spoke to the Asst. Manager Val Arter and she about the rate and payment amount. She sent me paper work which I filled out and sent back with a check for processing. She went on vacation and another person Kelly Dolde contacted me about the paperwork and the check I sent. I told her it was to purchase a mobile home. She kept asking about my income and I told her I was currently working and retiring where i would be getting a social security check and small pension. Kelly said she would send to be processed and told me I would get a discount for pre-auth from my acct to get a lower rate on the loan of 7.2% They never sent me a disclosure of what the payment would be so I could review it and found the loan amount went up $200 and the rate was 7.45%. I asked her about this and she stated this was for the home insurance and I had already paid for the year and there was nothing she could do about this and it was required be put on the loan. This was not told to me by phone or email. I could not afford the added payment and stopped the loan and now I will be sued by the seller for breach of contract. If this was told to me up front and spelled out I would not have entered into a contract for the home. I have purchase other homes before and it was always spelled out on the costs for the houses I bought.

      Business Response

      Date: 04/22/2024

      Dear
      Annette P*****,
      On April 14, 2024, SouthState Ban*, N.A. (“the Ban*”)
      received your complaint filed with the Better Business
      Bureau (BBB), regarding your
      dissatisfaction with the application process for a manufactured home loan (the
      “loan”). The Ban* ta*es seriously its obligation to fully investigate
      complaints. Please accept this letter as our response.
      On March 6, 2024, *elly Dolde, assisted you with your
      loan application. Review of email communication between you and Ms. Dolde
      revealed that on March 7, 2024, Ms. Dolde, incorrectly expressed that you would
      receive a .5% interest rate discount if you set up automatic payments for your
      loan.  As Ms. Dolde expressed in
      subsequent email exchanges, the interest rate discount is intended to be
      .25%.   
      We apologize for this miscommunication and any impact
      it had on your decision to withdraw your loan application.  On April 19, 2024, Branch Manager, Cory
      A******, emailed you offering to honor the .5% interest rate discount if you
      are interested in proceeding with your loan application.   
      Regarding your second concern, a condition of the loan
      will be to maintain adequate hazard insurance and an escrow account will be
      established to collect monthly escrow payments to enable the Ban* to pay your
      annual insurance premium when due.   
      If you would li*e to proceed with the application at
      the new interest rate or have any questions related to this response, please
      contact Mrs. A******, via phone at 863.255.2585 or email ca******@**************.com.

      Sincerely,
      Justin S****
      Complaint Management

      Customer Answer

      Date: 04/23/2024



      Complaint: 21573756



      I am rejecting this response because: 

      Good afternoon Regina,

      I received a email from Corey A****** from State bank in Lakeland and  it was stated the rate that was given to me was not correct, However Corey A****** did not address the issue where I was not told about the additional amount that was added to the loan regarding insurance. i was told to pay a full year of home insurance and it was never told to me that the loan would also have this additional payment added to my loan. This was not a mortgage and no PMI and therefore I should have the right to pay my insurance the following year on own and if I was going to stay with the current company of shop around to get a better price. The bank reached out and offered me 1/2 per cent rate of 7.2  which was not still not what was I was asking about. Now with that being said I had to back out of the loan and I lost money on this purchase of the home. I also may be getting sued by the sellers due to the neglect of the officer of the bank by not disclosing the additional amount that was added to the loan. Also I feel they should refund me the fee of $365 plus the fee for the home inspection $350 that I paid, I have forward  the email from the bank and  I was very disappointed in the way this bank has handled the loan,
      Thank you for your time in hearing  my issue.


      Sincerely,
      Annette P*****
    • Initial Complaint

      Date:04/08/2024

      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 writing to address the distressing discovery that you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions.

      Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred.

      Please rectify this matter promptly. My account number is CBA00000000015785078

      Business Response

      Date: 04/08/2024

      This complaint pertains to an account financed by the Bank but offered through Self Financial, Inc. Please forward to Self for investigation and resolution.  Thank you.
    • Initial Complaint

      Date:03/21/2024

      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.
      South State Bank approved a home equity loan for my husband and I which we use for emergency purposes. Although we are seniors we are working and did not wish to draw from our retirement accounts due to increased tax liability. We requested an automatic payment to this account from day 1. We used an online request form, followed up by monthly calls. Despite assuring us automatic payments were processed and any adverse credit reporting would be eradicated, my credit report shows an over thirty day payment lapse and decreased my credit score by 22 points. The online number I called for South State says they contacted the banks credit unit and they say they can’t find it. They also reported being unable to give me a name of the manager of that department.so that I might follow up. I want the bank to correct their inaccurate and likely automatic reported error. I would like confirmation from a person , not an email or another computer form or blind email address. We are seniors and not particularly computer savvy.

      Business Response

      Date: 03/28/2024

      Patricia
      H******

      March 28, 2024

      Dear Patricia H******,

      On March 21, 2024, South State Bank, N.A. (“the Bank”)
      received your complaint filed with the Better Business Bureau (BBB) regarding a
      H*** E***** L*** of Credit (*****) with the Bank and subsequent past due
      payment on your credit report.
      Please see the attached Direct Dispute of Credit
      Information notification of correction dated March 27, 2024, as our response.
      If you have any questions or concerns, please contact
      the Bank at *****************************.com, or by mail at P.O. Box ******, Charleston, SC 29423.
      Sincerely,
      Justin
      S****
      Complaint Management
      Enclosed: Direct Dispute of Credit
      Information notification of correction

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