Complaints
This profile includes complaints for CCBANK's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 61 total complaints in the last 3 years.
- 29 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:07/02/2025
Type: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 bring to your attention a fraudulent account that has been opened in my name with **************** . I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:
Creditor Name: ****************
Opened Date: 5/1/2023
Account Number: ********
High Credit: $419
I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.
Business Response
Date: 07/09/2025
To Whom It May Concern:
We are in receipt of the
complaint that the consumer filed with the Better Business Bureau. Please be
aware Capital Community Bank (“CCBank”) is a Utah state-chartered bank with the
Federal Deposit Insurance Corporation (“FDIC”) as our primary federal banking
regulator. Consequently, both federal banking laws and the laws of the State of
Utah govern agreements with CCBank. We have contracted with third parties to
provide certain services on behalf of CCBank.
Due to consumer financial
privacy rules, we are unable to share confidential information with the BBB
regarding these concerns. We are contacting the consumer directly to resolve
their concerns. We strongly recommend that consumers do not share their private
personal or financial information with non-regulatory third parties or in any
public online forum.
Sincerely,
Customer Care CCBankInitial Complaint
Date:06/21/2025
Type: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 recently took out a loan with this company for $2250. They do not share the APR upfront and after you sign the application and get the money youre then told what it is and for me it was an APR of 213% making the payoff be nearly $10,000 by the end of paying back the loan. The highest legal APR percentage in the state of ******* where I took the loan is 25% this company is breaking the law therefore they no longer can take money from me for this loan. I will take this to court or they can contact me and erase the loan from record meaning I no longer have to pay them any money because you broke the law and wrongfully took money from me at a insane and illegal APR percentage. I will win this court case! In your legal documents that I have, It says that you are charging me a 213% APR, which is ILLEGAL so I suggest you clear the matter swiftly.Business Response
Date: 06/26/2025
To Whom It May Concern:
We are in receipt of the complaint that the consumer filed with the Better Business Bureau. Please be aware Capital Community Bank (CCBank) is a Utah state-chartered bank with the ************************************* (****) as our primary federal banking regulator. Consequently, both federal banking laws and the laws of the State of Utah govern agreements with CCBank. We have contracted with third parties to provide certain services on behalf of CCBank.
Due to consumer financial privacy rules, we are unable to share confidential information with the BBB regarding these concerns. We are contacting the consumer directly to resolve their concerns. We strongly recommend that consumers do not share their private personal or financial information with non-regulatory third parties or in any public online forum.
Sincerely,
************* ********************Customer Answer
Date: 06/27/2025
Complaint: 23501092
I am rejecting this response because:
I responded via email to you and you have yet to say anything.
Sincerely,
***** ********Business Response
Date: 07/08/2025
BBB Rejection response:
To Whom It May Concern:
We are in receipt of the rejection of our response filed with the Better Business Bureau. Please be aware Capital Community Bank (CCBank) is a Utah state-chartered bank with the ************************************* (****) as our primary federal banking regulator and the ***************************************** (****) as our primary state regulator.Consequently, both federal banking laws and the laws of the State of Utah govern agreements with CCBank. We have contracted with third parties to provide certain services on behalf of CCBank.
Please be aware, we previously responded to the consumers complaint on June 26, 2025. Because this rejection does not include any new information or supporting documents, we refer the consumer to our original response. If the consumer has additional information related to this complaint,we encourage them to submit the information to our email inbox at *************************************** where we are happy to provide additional consideration.
Once again, due to consumer financial privacy rules, we are unable to share confidential information with the BBB regarding the consumers concerns. We have contacted the consumer directly to resolve their concerns. We strongly recommend that consumers do not share their private personal or financial information with non-regulatory third parties or in any public online forum.
Sincerely,
************* ********************Customer Answer
Date: 07/09/2025
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.
Sincerely,
***** ********Initial Complaint
Date:05/17/2025
Type: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.
Capital community Bank funded a loan fraudulently under my name. The loan was approved with falsified paystubs and then they sent the funds to an account that not in my name. The APR on this loan is 225% which is absolutely criminal. They have been zero help in resolving this issue.Business Response
Date: 05/22/2025
To Whom It May Concern:
We are in receipt of the
complaint that the consumer filed with the Better Business Bureau. Please be
aware Capital Community Bank (“CCBank”) is a Utah state-chartered bank with the
Federal Deposit Insurance Corporation (“FDIC”) as our primary federal banking
regulator. Consequently, both federal banking laws and the laws of the State of
Utah govern agreements with CCBank. We have contracted with third parties to
provide certain services on behalf of CCBank.
Due to consumer financial
privacy rules, we are unable to share confidential information with the BBB
regarding these concerns. We are contacting the consumer directly to resolve
their concerns. We strongly recommend that consumers do not share their private
personal or financial information with non-regulatory third parties or in any
public online forum.
Sincerely,
Customer Care CCBankInitial Complaint
Date:05/06/2025
Type: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 contacted Experian and asked for them to investigate & remove the inaccurate account from my consumer report that they are reporting and I requested specifically the alleged original application bearing my signature they have not updated me with proof.
This is a violation of the FCRA and the disputed item may not appear on my credit report if it cannot be supported by evidence or proofBusiness Response
Date: 05/14/2025
To Whom It May Concern:
We are in receipt of the
complaint that the consumer filed with the Better Business Bureau. Please be
aware Capital Community Bank (“CCBank”) is a Utah state-chartered bank with the
Federal Deposit Insurance Corporation (“FDIC”) as our primary federal banking
regulator. Consequently, both federal banking laws and the laws of the State of
Utah govern agreements with CCBank. We have contracted with third parties to
provide certain services on behalf of CCBank.
Due to consumer financial
privacy rules, we are unable to share confidential information with the BBB
regarding these concerns. We are contacting the consumer directly to resolve
their concerns. We strongly recommend that consumers do not share their private
personal or financial information with non-regulatory third parties or in any
public online forum.
Sincerely,
Customer Care CCBankInitial Complaint
Date:05/01/2025
Type: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 disputing an invalid account reported by CCBTODAYCARD/EDS on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.Business Response
Date: 05/12/2025
To
Whom It May Concern:
We
are in receipt of the complaint that the consumer filed with the Better
Business Bureau. Please be aware Capital Community Bank (“CCBank”) is a Utah
state-chartered bank with the Federal Deposit Insurance Corporation (“FDIC”) as
our primary federal banking regulator and the Utah Department of Financial Institutions ("UDFI") as our primary state regulator. Consequently, both federal banking laws
and the laws of the State of Utah govern agreements with CCBank. We have
contracted with third parties to provide certain services on behalf of CCBank.
We
are responding to this issue from the consumer directly. Due to consumer
financial privacy rules, we are unable to share confidential information with
the BBB regarding these concerns. We are contacting the consumer directly to
resolve their concerns. We strongly recommend that consumers do not share their
private personal or financial information with non-regulatory third parties or
in any public online forum.Sincerely,
Customer Care CCBankInitial Complaint
Date:04/23/2025
Type: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 took out a 500$ loan with this company and charged a 200% interest rate is illegal in the state of ******* as it breaks their usury laws. There are multiple lawsuits against this company for those illegal practices. I have already made over 250$ in payments and want that to go to the principle making it have about 230$ left to pay. I want put on a different payment plan to pay the rest off. If this matter is not resolved I will be contacting Indianas attorney general to further this matter.Business Response
Date: 04/29/2025
To Whom It May Concern:
We are in receipt of the complaint that the consumer filed with the Better Business Bureau. Please be aware Capital Community Bank (CCBank) is a Utah state-chartered bank with the ************************************* (****) as our primary federal banking regulator. Consequently, both federal banking laws and the laws of the State of Utah govern agreements with CCBank. We have contracted with third parties to provide certain services on behalf of CCBank.
Due to consumer financial privacy rules, we are unable to share confidential information with the BBB regarding these concerns. We are contacting the consumer directly to resolve their concerns. We strongly recommend that consumers do not share their private personal or financial information with non-regulatory third parties or in any public online forum.
Sincerely,
************* ********************Customer Answer
Date: 04/30/2025
Complaint: 23241223
I am rejecting this response because: they never contacted me. I already paid the loan in full even though I didnt have to.
Sincerely,
**** *******Business Response
Date: 05/02/2025
No new information provided. Response mailed to customer 5/2Initial Complaint
Date:02/23/2025
Type: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.
DEBT VALIDATION LETTER ******* ****** ******** ***************************************************************** CCBANK/TLS/AF247 Address PROVO,UT84604 Phone number ************** I am reaching out to whomever this matter concerns on behalf of myself, ******* ****** ********, a federally protected consumer. I am enforcing my rights according to 15 *** 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that i am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer.I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the ***** and ****. You have 30 days to validate this debt and during this time all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt it shall be deleted and removed from my credit file immediately. I have also attached a CEASE AND DESIST that is effective immediately.If adverse action is taken against me as a consumer i will consult my legal counsel. Please be advised that according to 15 USC 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing-the amount of the debt;the name of the creditor to whom the debt is owed; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;Business Response
Date: 03/03/2025
To Whom It May Concern:
We are in receipt of the complaint that the consumer filed with the Better Business Bureau. Please be aware Capital Community Bank (CCBank) is a Utah state-chartered bank with the ************************************* (****) as our primary federal banking regulator. Consequently, both federal banking laws and the laws of the State of Utah govern agreements with CCBank. We have contracted with third parties to provide certain services on behalf of CCBank.
Due to consumer financial privacy rules, we are unable to share confidential information with the BBB regarding these concerns. We are contacting the consumer directly to resolve their concerns. We strongly recommend that consumers do not share their private personal or financial information with non-regulatory third parties or in any public online forum.
Sincerely,
************* ********************Customer Answer
Date: 03/03/2025
Complaint: 22978576
I am rejecting this response because:The issue has not been resolved. The debt is inaccurate
Sincerely,
******* ********Business Response
Date: 03/11/2025
No new information providedInitial Complaint
Date:01/15/2025
Type: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.
Just received a letter today that said "Thank you for recent application, your request for credit was carefully considered, blah blah.... regret that we are unable... blah blah. I DID NOT APPLY FOR CREDIT OR ANYTHING ELSE FROM ANYONE OR ANY BUSINESS.......
I would like to place this on record so it shall be noted. Now not sure what to do. Have I been compromised in some way? Can't they provide or trace this activity?
Regardless it's a shame how out of control these scammers are. I pay cash for everything. No loans or credit cards. But please note this. I live in Indiana and the CCB shows they are in Ohio. When researching it states they are a local owned bank. Again I'm in Indiana. First flag.Business Response
Date: 01/27/2025
To Whom it May Concern,
We
are in receipt of the complaint that the customer filed with the Better
Business Bureau. Please be aware Capital Community Bank (“CCBank”) is a Utah
state-chartered bank with the Federal Deposit Insurance Corporation (“FDIC”) as
our primary federal banking regulator and the Utah Department of Financial Institutions ("UDFI") as our primary state regulator. Consequently, both federal banking laws
and the laws of the State of Utah govern agreements with CCBank. We have
contracted with third parties to provide certain services on behalf of CCBank.We
performed a search of CCBank’s records. We entered multiple combinations of the
complainant’s name, address, and phone number provided in the complaint.
Unfortunately, we were unable to find any application associated with the
information provided by the complainant. We encourage the consumer to respond directly to the bank at
[email protected] with additional information to assist with identifying
their application. We strongly recommend that consumers do not share their private
personal or financial information with non-regulatory third parties. Information that may be helpful in identifying an application may include:1. A copy of the communication referenced in the complaint.
2. The account or application number associated with the complaint.
3. The name of the product or servicer to which the communication refers.
We understand that this situation may be frustrating. However, without further information to identify an account or application we cannot provide any further information.
It is our understanding that the consumer believes an application was submitted using their personal information without their authorization. Without more information, we are not able to investigate this situation further. However, if the consumer believes their personal information is being used without their consent, we encourage the customer to take action to protect their personal information. Consumers can learn more about handling identity theft by contacting the Federal Trade Commission at ****************, calling (877) IDTHEFT (438-4338), or writing to the Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue, NW, Washington, DC 20580. Consumers may also consider reaching out to their local law enforcement agency to report the identity theft.
Sincerely,
Customer Care CCBankInitial Complaint
Date:12/03/2024
Type: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 was paid on a monthly payment and is relatively 10 years ago. I have been in mourning my daughter passed away in September.Business Response
Date: 12/06/2024
To Whom It May Concern:
We are in receipt of the complaint that the customer filed with the **********************. Please be aware Capital Community Bank (CCBank) is a Utah state-chartered bank with the ************************************* (****) as our primary federal banking regulator and the ***************************************** ("****") as our primary state regulator. Consequently, both federal banking laws and the laws of the State of Utah govern agreements with CCBank. We have contracted with third parties to provide certain services on behalf of CCBank.
We performed a search of CCBanks records. We entered multiple combinations of the complainants name, address, and phone number provided in the complaint. Unfortunately, we were unable to find any account associated with the information provided by the complainant. The complainant is welcome to respond directly to the bank at *************************************** with additional information to assist with identifying their account. Information that would aid in identifying an account may include an account number, the name of the product for which you are complaining, or the name of the servicer with whom you may have had contact. We strongly recommend that consumers do not share their private personal or financial information with non-regulatory third parties.
Sincerely,
Customer Care ********************Initial Complaint
Date:10/25/2024
Type: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 ********** notified me about a Lien on my car. Someone opened a fraudulent account and place a Lien on my carBusiness Response
Date: 11/05/2024
To Whom It May Concern:
We are in receipt of the complaint that the consumer filed with the Better Business Bureau. Please be aware Capital Community Bank (CCBank) is a Utah state-chartered bank with the ************************************* (****) as our primary federal banking regulator. Consequently, both federal banking laws and the laws of the State of Utah govern agreements with CCBank. We have contracted with third parties to provide certain services on behalf of CCBank.
We are in receipt of additional communications from this consumer with similar claims and documentation. We are in the process of responding to this issue from the complainant directly and responding to their other communications. Due to consumer financial privacy rules, we are unable to share confidential information with the BBB regarding these concerns. We are contacting the consumer directly to resolve their concerns. We strongly recommend that consumers do not share their private personal or financial information with non-regulatory third parties or in any public online forum.
Sincerely,
************* ********************
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