Review and analysis of 6 consumer complaints against Bank of the West
Out of the 6 consumer complaints against Bank of the West Money Transfers, 0% were disputed by the consumer (i.e. the consumer was not happy with how Bank of the West responded to their complaint) and 100% were processed in a timely manner. 17% of consumer complaints against Bank of the West resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 0% resulted in non-monetary compensation.
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| Issue | Complaints |
|---|---|
| Other transaction issues | 3 |
| Wrong amount charged or received | 2 |
| Money was not available when promised | 1 |
Bank of the West deposits and withdrawals March 30, 2017 - On -/-/2017 I arrived to Bank of The West. I approached there ATM to deposit the amount of $100.00. I unknowingly used my prepaid card unaware i was n't able to use the card at the Bank of The West ATM. After depositing my money I received a receipt stating at - " We encountered a problem returning your cash, please contact your financial institutions '' after trying to withdraw my money back, I got error reading. I contacted the Branch Manager at the bank and they stated my Prepaid card company ( - ) would have to make a claim stating that i lost my money at Bank of The West ATM. bu... |
Bank of the West account opening, closing, or management March 29, 2017 - I received a letter from the Bank of the West where I have a checking account in which I typically retain a significant balance that I am going to be automatically charged a monthly " Paper Statement Fee '' of $3.00 unless I elect to receive Online only statements. I have had this account for decades and I object to being 'coerced ' into doing business online.... |
Bank of the West using a debit or atm card March 29, 2017 - On -/-/2017, I discovered a $160.00 fraudulent charge on my Bank of the West checking account. I had authorized a $20.00 copay charge and the doctor 's office instead charged $160.00. I called Bank of the West that same afternoon and told them I wanted to report the fraud. The csr said she would mail and email the dispute form. After waiting 4 days with no response, I sent an email to their customer service dept. The response said I should just type out my complaint with all of the pertinant information and my signature. I faxed it to the number listed. Today is the -/-/- and I st... |
Bank of the West problems caused by my funds being low March 25, 2017 - I had a balance with no outstanding checks or charges of - i placed a charge for - dollars for a promo that day the -/-/-. It left me with a balance of - cents I had gone over my bank statement the checks that the bank sent had all been delivered and by the statement it appeared that they were all paid. It did not indicate on the online banking or anywhere i could see that indicated otherwise. I checked my online banking activity and noticed that the - dollar chcck was still pending and that my account would be overdrawn with that check I had verified the funds prior to placi... |
Bank of the West account opening, closing, or management March 22, 2017 - I applied for a condo mortgage for a vacation property at Bank of the West through a loan broker named - in their -, CA office ( - ). He assured me he had gotten loans approved at the exact same complex very recently. The condo association lists itself as a " condo hotel '' association rather than a vacation condo complex, and I had already had a loan fall through at a normal residential property rate with a different lender, because the " condo hotel '' association was viewed as a rental property rather than a vacation property, I insisted with - that I would not spend money on an... |
Bank of the West settlement process and costs March 21, 2017 - I signed disclosures and locked in a 60 day rate with Bank of the West on -/-/2017. I received a revised loan estimate on -/-/2017 saying " pricing changes upon underwriter review - non QM loan '' which added $3800.00 or .5 % discount points to our loan. However, the sales price has been the same since I opened escrow on -/-/2017. Prior to this incident, I kept receiving disclosures in the mail with high discount points which did n't match the advertised rates for the day. I also wondered why other banks were able to do edisclosures but this bank was the only one that sent disclosures ... |
Bank of the West deposits and withdrawals March 20, 2017 - I received the attached Addendum to the Deposit Account Disclosure in my most recent checking account statement from Bank of the West ( BoW ). In the attachment I have highlighted the section that I find most troubling. In my own words, BoW is unilaterally declaring that even if a funds transfer is approved, they can for no reason at all choose to ignore it and not process it. Further they make the claim that they will attempt to contact me but will not make any guarantee of doing so. Finally, when they choose to ignore or not process a transfer, they are in no way liable to myself or any thir... |
Bank of the West account opening, closing, or management March 9, 2017 - I have a bank of the west checking account and it has around $500.00 balance. I had monthly activities ... .... 2 years ago, I ca n't login in to my account and had n't received any letter from them. I called one of their branches in -, IA and one banker over the phone told me my account went dormant and I had to fill out the form to reactive my account. She mailed me a form in the mail, I filled out and mailed back to her. Nothing has happened ... .I ca n't still login in to my account and I need my money back. Bank of the west ca n't just say customers ' account go dormant and keep cust... |
Bank of the West managing the loan or lease March 1, 2017 - I previously submitted a complaint on the Bank Of The West for not sending me information on my account including acknowledgement of my loan being paid off on -/-/- and my not receiving the title to my vehicle which was Case # -. The bank did reply after you contacted them however they have n't given me everything yet. After their original response I received another letter from them dated -/-/- in which they stated that I will receive my Certificate of Title or Lien Satisfaction documentation in approximately 10 working days. Well it is -/-/- and the 10 days have passed and... |
Bank of the West account opening, closing, or management February 22, 2017 - I ( - ) opened a checking account with Bank of the West ( " bank '' ) on their website. I set up an initial account opening deposit of $500.00 on my credit card ( issued by - ). A few days passed my $500.00 transaction posted and I have a $500.00 balance. On - 2017, I received email from the " Bank '' saying my account is closed due to a secondary review. I immediately contacted the bank and was told the reason. I did not argue with them but I asked for money back. A supervisor said they will refund me the money by issuing credit back to my card ( issued by - ). Few days pass... |
Bank of the West account opening, closing, or management February 17, 2017 - An Bank of the West account was made by my wife. She closed the account almost immediately after creating it due to a name mismatch Bank of the West could n't correct ( she subsequently open another correctly the same day ). She funded with our - credit card in the amount of $500.00. Since the closing, I 've been informed the money would be returned to -. It has n't arrived as of today ( -/-/2017 ). The account was closed -/-/2017. The money was supposed to be credited back 7-10 business days later. Bank of the West is advising me to Dispute the charge through - for Bank of the ... |
Bank of the West deposits and withdrawals February 7, 2017 - When I applied for the checking account, I chose the option to fund my checking account by credit card for $500.00. My card was charged, and the bank claims they have not received the money from the credit card company and will not place my $500.00 in my account. The bank will not help me find or return my money. I am really concerned about my money being " lost '' by a bank. Repeated calls have led me nowhere.... |
Bank of the West managing the loan or lease February 5, 2017 - my car was financed with bank of the west and i totaled my car but i took out gap insurance with the purchase with -., but they want a payment history and bank of the west stated that they would fax to them so that the balance of the loan could be paid off but instead they are sending me a payment history which i already have from the checks that i sent bank of the west they are just trying to delay the process of get the loan paid off.... |
Bank of the West problems when you are unable to pay January 27, 2017 - I bought an RV in 2006 for $ -. I made installment pymts of $630.00. for 8 years totaling $ -. My husband got sick, I gave back the RV to Bank of the West. They sold it for $ -. They are now suing me for interest money! They did not lose any money on the $ - they loaned me in 2006. They got it all back in 8 years and now they want $ - more! HELP... |
Bank of the West account opening, closing, or management January 21, 2017 - I opened a checking account at Bank of the West in -/-/2016 and requested to close the account on -/-/2016. Bank representatives rejected my request because they claimed I opened a " line of credit '' on the account which I never did. Meanwhile, they stated I have used the line of credit and owe money on the line which is a surprise to me because I have never requested nor used any line of credit. I only withdrew my initial balance out of the account to close the account. The local branch representatives could not give me an explanation for why this line of credit was opened and why it say... |
Bank of the West account opening, closing, or management January 16, 2017 - A company that poses as a collection company calling me that I owe them money using information of my address -/-/2007? and a bank that I used in that year BANK OF THE WEST. They claimed that I had a credit card from that bank and owed money from that bank?? I never did because I just got out of chapter - in that year I had not lived there since then? They can not provide any other information but keeps changing their collection agency phone number and they are always - PEOPLE? last phone number used -... |
Bank of the West settlement process and costs January 6, 2017 - We started - loan applications together with Bank of the West. BofW told us the loans would be handled as a package and they required that the loans all close together. In fact - of the loans was for our primary residence which required a 72hr rescission/hold so the funds for the other - loans were not available. The loan process was extended multiple times due to - appraisal and other 3rd party delays, yet BofW at - point decided to charge us roughly $1500.00 in rate extension fees, but only on - loan. The delays were compounded by poor communication and organization on th... |
Bank of the West account opening, closing, or management December 28, 2016 - I recently received a letter in the mail regarding a past due balance of $100.00 from a collection agency, -, as stated in the attached letter. On -/-/2016, I called Bank of the West and spoke with -, a service banker located at - -, NV -. Per -, my account was closed in -/-/2016 and was re-opened on -/-/2016, by Bank of the West, due to an automatic bill pay service that attempted to withdraw funds. She stated this bill pay service was not paid by my account with Bank of the West but the re-opened account was charged an NSF fee. Bank of the West re-opened my account ... |
Bank of the West account opening, closing, or management December 28, 2016 - I was called by a lady at the - Idaho branch. She stated that they were closing my account and could no longer do business with me. She stated that I was on -. I told her that my account had been opened for a.couple months and that the branch manager was aware of my situation. This is why I got a fresh start checking account. The lady was extremely rude and informed me that my debit card was shut off over a week ago. I asked why I was n't notified BEFORE it was turned off and why I am just now being aware of these problems now ... after the account has been open for a couple months. The ... |
Bank of the West account opening, closing, or management December 16, 2016 - Violation of personal financial privacy. I have been banking with Bank of the West for several years. I used an ATM card to view my account, pay my mortgage and transfer money from one account to another. Recently, Bank of the West replaced all the ATM cards of their customers with debit cards affiliated with Mastercard. I verbally complained to the - Branch that I do not want that service as it made my checking and savings account vulnerable to fraud. I was told that it is now company policy to issue only debit cards as Bank of the West signed an agreement with Mastercard. Bank of the ... |
Bank of the West account opening, closing, or management December 14, 2016 - I applied for Bank of the west checking account promotion online since they were offering $150.00 credit. I completed all requirements to get the bonus and to my dismay I was denied claiming another house hold rep received a bonus this year. I called BOW customer care and spoke to someone right after acct opening and these guys are not organized and only specialized in wasting valuable customers time. I asked customer care rep If I qualify for the Bank promotion that I applied. I was told that I am qualified and I need to wait until - - to receive the bonus and they never told me that ... |
December 6, 2016 - -/-/2016, as I logged into my rewards account for Bank of the West credit card, there was a notification box that indicated our account would be changed from the current rewards program to a cash-back program, effective -/-/2016. The same information box indicated that if our current points were not redeemed, they would automatically be converted to a cash reward ( credit to our statement ) at 1 % - our balance was nearly - points ). I called on several separate occasions to ask various questions about what type of account we were going to be converted to, when our points would be re... |
Bank of the West problems caused by my funds being low December 6, 2016 - Bank of the West charged a $36.00 fee for a check paid on -/-/- due to insufficient funds/overdraft. The account statement shows that there was enough money to cover the check, and there was money left in the account on -/-/- after paying the check.... |
Bank of the West application, originator, mortgage broker December 2, 2016 - My husband and I applied for a jumbo mortgage with Bank of the West. We worked closely with the mortgage loan officer over a period of five months ( -/-/- - -/-/2016 ) discussing our options. After Bank of the West reviewed our file, the mortgage loan officer told us that we were not approved for a jumbo mortgage, but that we would be able to procure a smaller ( $470000.00 ) mortgage AND an additional $300000.00 line of credit in lieu of the jumbo mortgage. She reassured us over and over that this product combination would work for us and that we would close on the line of credit wi... |
Bank of the West using a debit or atm card November 21, 2016 - I opened a Bank of the the West account. The account came with a promotion. The promotion was get $100.00 for setting up a qualifying direct deposit. I have received that promotion. The other promotion was, " get $50.00 for making - debit card purchases each month for 2 months. '' I have met the terms for the $50.00 promotion and have not received the promotion that I am entitled to. I want the $50.00 that I am entitled to that Bank of the West has not given me.... |
Bank of the West application, originator, mortgage broker November 20, 2016 - The following is a copy of complaint sent directly to Bank of The West, on - -, through their online customer service message system. Receipt was acknowledged the same day, with a promise of a response by mail after completing a review. We 're still waiting on a response. - - Object : reimbursement of home appraisal fee. To whom it may concern, We kindly request a refund of the upfront appraisal fee collected by Bank of the West ( BotW ) to process a refinance mortgage application. We claim that the failure to complete the transaction is due to errors committed by BotW. We therefore, ... |
Bank of the West loan servicing, payments, escrow account November 14, 2016 - I took out a second mortgage with Bank of the West in -. I just recently refinanced my first mortgage and consolidated the second mortgage as well. when I call to get a balance, it did not seem correct. I requested a print out of payments of my account. When received, I noticed that there were - payments never applied in - as well as other payments not applied correctly. Through 4 weeks of phone calls, messages not returned, I was told by them that they were looking into it, then it was sent to the wrong department, then someone else was assisting. I let them know I was refinancing an... |
Bank of the West received a loan i didn't apply for received a loan i didn't apply for November 13, 2016 - I had a line of credit and over draft protection with bank of the west. they say I owe them $35000.00 and because you did n't pay we close it. I request from them and from the lawers for document for this loan and statement they only show that - was transferred to my accunt on - - - but on day before that I deposited $25000.00 on my account by mistake they deposited to my personal account and 6 days later they withdrew that. I need my loan statement from - - to now.and explanation about $21000.00 deposit the day befor and $75000.00 day after .I think they madae amista... |
Bank of the West cont'd attempts collect debt not owed debt was paid October 26, 2016 - I had a checking account with Bank of the West prior to -/-/2013. I overdrafted the account and was charged nearly - $ in daily overdraft fees before the funds in my savings account were applied to cover the original amount overdrafted. The account went to collections with The - - - with a balance of - $ owed in -/-/2013. I disputed the account and - reported the account as closed to - for meeting FCRA requirements for a dispute, but still lists the account open and in collections with -. I reached out to - and inquired when they would report to - that the acc... |
Bank of the West account opening, closing, or management October 22, 2016 - Subsequent to a complaint filed with your agency against Bank of the West, my account has been charged $230.00 in junk fees. I have attached a copy of the running figures on account ending in -. On - -, 2016 the account as a positive $7.00, then without explanation fees in the amount of $62.00, $30.00, $70.00 and $70.00 were charged bringing it to a negative $210.00.... |
Bank of the West problems caused by my funds being low October 21, 2016 - The bank charged me a $35.00 fee which was unfounded and a huge disservice as a single mother who literally counts pennies to feed my child. I will not have anymore income for two weeks and that $35.00 dollars was literally the budget to feed my daughter! Child Support issued my benefits on -/-/16 ( documentation attached ). I wrote a check in the afternoon on - postdating it for -/-/16 which is when the $130.00 showed up in my bank ( which was initiated on - ). Yet, somehow when I woke up on -/-/16 the check had already been cashed ( again it was post dated -/... |
Bank of the West making/receiving payments, sending money October 12, 2016 - My bank this morning dispersed $ -.from my bank account, without my permission. They made a $2500.00. wire transfer payment on a bill with a balance of $150.00. The recipient/- knew the payment was in error and has voided the check.Bank of the West Type to enter text is doing nothing to restore that money to my bank account, leaving me overdrawn several thousand dollars! After many hours investigating what could possibly have happened, I believe was caused by an error Bank of the West processing center. The Bank is doing nothing to help me even though I notified them at - of the... |
Bank of the West application, originator, mortgage broker October 5, 2016 - Hi, I applied for a Stated Income HELOC from Bank of the West. I had one with them prior. During the phone application they suggested/offered to open " multiple products '' as part of the application process. I wanted a specific kind of HELOC which was difficult to get. It seems like they could have decided I did not qualify for that HELOC without making a credit inquiry. However, I think the bank was more interested in opening other types of accounts that required a credit inquiry. This was even though they could have known I did not qualify for the HELOC without doing an inquiry. It was sort... |
Bank of the West application, originator, mortgage broker September 22, 2016 - -/-/2016, I was pre-approved for a mortgage loan in the amount of $190000.00 from Bank of the West. Based on the pre-approval, I was able to find and put under contract a home in -, CO for $190000.00. I submitted the initial documents and began the loan process -/-/-. The home in -, which I lost, appraised for $36000.00 higher than my purchase price. The appraisal fee was reimbursed to my bank account. One of the provisos of obtaining the loan was to sell my home. I immediately placed my home on the market, received an acceptable offer the first day, and settled on a closing... |
Bank of the West account opening, closing, or management September 22, 2016 - I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since -/-/2016. Despite this fraud alert an individual at Bank of the West was trying to secure an auto loan for a - Chevrolet Corvette from - ( - - - - , -, IL - # - ) and did a hard pull on my credit report on -/-/2016. As is standard when authorizing a hard pull on an individual with a fraud alert, the individual at Bank of the West should have made outbound calls only to verify my identity and proceed with the pull, but instead either accepted an inbound call ... |
Bank of the West identity theft / fraud / embezzlement September 21, 2016 - I have been a longtime customer at bank of the West. I recently received a letter regarding a new $10000.00 credit card I had been approved for, which was followed by the actual card. I had never applied for a credit card so I contacted the bank. I explained to them I had never applied for a credit card and wanted this closed and an explanation on how this could have occurred. I was told that there was an application and I requested a copy be provided for my review. The call agent closed the account ( which I verified the next day ) and said a copy of the application would be sent to me. A... |
Bank of the West account opening, closing, or management September 20, 2016 - I opened checking and saving account at Bank of the West -/-/2016. I have been the primary account holder, and my husband 's name is on both accounts, I have been the only person who has been managing these - accounts online. I have never shared online information with anyone, including my husband. After we opened the accounts, I received a credit card under my name from the bank, I did not activate the card and shredded the credit card. -/-/-, I received another credit card, I did not activate the card and shredded the credit card. On -/-/2016 I suddenly noticed that under credi... |
Bank of the West application, originator, mortgage broker August 29, 2016 - First, Bank of the West sold me a loan on false pretenses and will make $600000.00 off that loan that should have gone to their competitor, - -. Second, due to their false statements, we are in jeopardy of not having the money we need to complete the renovation of the downstairs apartment and backyard of our duplex - thus we will not be able to request as high of a rent as we would if we were able to complete all repairs. Third, while they are reviewing my case I am losing " would-be '' rent. The false statement : Bank of the West 's agent, - -, assured us at least twice by emai... |
Bank of the West problems caused by my funds being low August 23, 2016 - I had declined all overdraft protection on my account per debit card and other transactions. I was told that I could not do that on recurring transactions though but they did credit those fees and told me it would no longer go through if there was no money in my account. Month later I get back from out of town to find multiple overdraft fee notices in my mail. So I finally check into my acct which I was unaware had a problem to find that I had a balance of $ -- and that over $1700.00 of that negative balance was just in fees alone. I spent multiple hours on phone trying to resolve the iss... |
Bank of the West deposits and withdrawals August 23, 2016 - The bank for my small business reorders transactions in order to be able to charge overdraft fees of $ -- $36.00 each. The option for 'overdraft ' protection is only offered if we go into the branch office although every other service is offered online. The fees we have incurred in the last 45 days have been approximately - even though according the banks own accounting there were sufficient funds to cover the withdrawals.... |
Bank of the West problems caused by my funds being low August 19, 2016 - I opted out of debit card overdraft protection with Bank of the West because I thought that it meant that any payment from my debit card would be declined if I did n't have enough funds. According to their website, overdraft protection covers automatic payments and recurring debit card transactions. I forgot about an automatic debit payment that the bank allowed to go through, totally my fault for forgetting, but I became overdrawn by $7.00 so they charged me a $35.00 fee. When I called to find out why and to have them explain it to me, one person told me it was at the bank 's discretion t... |
Bank of the West using a debit or atm card August 16, 2016 - A bank in - - charges - each time a customer goes to an ATM other than theirs. They only have - ATMS, so this is extremely awkward. This is probably the case with other banks. They just got $5.00 of my money this month, and last month. This is a fine bank, but really? Also, not that I have recently bounced any checks, but in the past when I did they charge a hefty fee, which is the case with any large bank, especially if they pay the fee. In order to avoid such situations, I have gone to Payday Lenders, who charge me less than the cascade of fees that would result if I did n't h... |
Bank of the West application, originator, mortgage broker August 15, 2016 - I have had many dealings with property mortgages over the years and none as frustrating or lacking professionalism and honesty as my dealings with Bank of the West on my current loan. We have had loan amounts switched at the last minutes, delays and lies told to us about why the delays are happening, we have been ignored by supervisors when we tried to bring these to their attention, we have been strung along with a promise of closing only to find out that the bank is not ready yet. We have been asked to go above and beyond the responsibilities of a borrowing for example, when they asked us t... |
Bank of the West closing/cancelling account August 15, 2016 - I applied for an account with Bank of the West in - 2015 they approved me and never sent me the card for six months they made an error with my name on the card. The introductory APR had expired and I had to call and request that be reinstated. I had my payments on auto draft and they stated one of the payments was not enough to cover the monthly payment so they had sent the account to collections. After I called they acknowledged that it was a bank error and credited the fees since that time I paid the account off in full. I started back using the card in -/-/- made my first payment an... |
Bank of the West account opening, closing, or management August 11, 2016 - I opened an account online with BOTW based on a promotion they had : $150.00 incentive. The process seemed easy enough, with the exception that their system would not capture the " - '' for my address. So, I went ahead and added " half '' to the second part of the address. Everything was fine. I received notification that I should receive my account information within the next few days. I called to get my account information to setup my direct deposit, but was not able to get it over the phone and was directed to visit my local branch. I went to the branch and requested my account informa... |
Bank of the West loan servicing, payments, escrow account August 4, 2016 - On - -, 2015 I reinstated mortgage # - with Bank of the West, - - -, -, -. I was in the process of selling the property and provided Bank of the West a purchase agreement, but they refused to work with us. On - -, 2015, less than a month later, the property closed on the same purchase agreement and Bank of the West was paid off at the amount they demanded. Previously, demand was made on Bank of the West to this agency for full disclosure regarding all figures supporting the payoff of this loan ; however, the reinstatement figure of $11000.00 remains unaccounted... |
Bank of the West account opening, closing, or management August 3, 2016 - I put money into a money market fund with Bank of the West as part of a relocation from - -, - to -, -. I opened a Money Market account to stash the money I had leftover from the move in an interest bearing account that I would n't have to manage or worry about. I had to withdraw an amount that I did n't realize put me below their minimum balance. At the time I had apprx. $850.00 in the account. I went years without checking it until I got a notification saying it was overdrawn. I contacted the bank to inform them of their error and found out at that time that they had been ch... |
Bank of the West account opening, closing, or management July 28, 2016 - Applied for business loan. As of today it 's a month since it was started. Bank staff works not full day in branch and it delays the process. Finally when all verification cleared ( after Month ) and only loan should be signed bank agent will go on 2 weeks vacation and nobody can finalize the process. My husband is out of business for that reason for more then a month.... |
Bank of the West managing the loan or lease July 15, 2016 - The Bank of the West loan reports on my credit as " Charged-Off ''. However this loan should never have been " Charged-Off '' as I was covered by GAP Insurance. In addition to this erroneous reporting ; My report dated - -, - reported this item as charged-off -/-/-. Bank of the West has now changed the charged-off date to -/-/- and then again for the 3rd time with a new charged-off of -/-/-. This company clearly keeps reporting erroneous inaccurate information on my credit report. This new charge-off date has dramatically lowered my credit rating/score and has damag... |
Bank of the West account opening, closing, or management July 13, 2016 - I was under the impression that I could open up a checking account with Bank of the West, especially considering they are a local branch with - locations in my very city. I think its ridiculous that they do all these advertising and then deny someone with - credit score. I should be granted this checking account so I can set up direct deposit through my employer and use this account for everyday use. Why would you push away a local person to bank with you? This was false advertising for me.... |