ComplaintsforRepublic Bank of Chicago

• Initial Complaint

  02/02/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The Bank had an insight card which was something like a green dot card. Get paid early with all direct deposits. Well I was just informed that they were closing all cards on Feb 28th. So I was waiting for my Feb Check and usually get it on the 26th of every month. Well after calling multiple times asking where the deposit was I was finally told the truth. They sent the check back THEOUGH THE MAIL!! Yes not electronic like they received it and they held the check until Feb 2nd. This is a VA disability check. It makes my rent, utilities , and livelihood possible. Now it will be nearly 2 weeks late. I have 5 credit card *** that will now fine me $30 each for being late. I have no way to get food, or gas. And I had 2 weeks to set up a payment plan on a vehicle that was wrecked and an amount not covered by my Ins. So they will now take me to court for money that I could have set up a payment plan with. Im beyond disappointed and disgusted. And to make matters worse, I learned they were taking $50 out of every check each month for nearly 6 years!!! Im going to file a suite of the funds arent returned to me by mail ASAP. My name is *************************** my address is ******************************************** and number is ************ I would like every fee, and any money taken returned in full for the last 7 years of banking with you.

  

  Business response

  02/05/2024

  This message is in response to your correspondence concerning the above referenced issue.  We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you.
  
  Thank you.

• Initial Complaint

  12/17/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I tried to use The **** mobile banking app to cash a check and said it was loading. I talked to ************** whom issued the check and they showed me where my check had cashed into Republic Bank of Chicago. I have no affiliation with the Republic Bank of Chicago.

  

  Business response

  12/20/2023

  This message is in response to your correspondence concerning the above referenced issue.  We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you.

• Initial Complaint

  11/25/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  During the month of September, starting 09/06/2023, someone hacked my bank card and began trying to take money from my account without my knowledge. It wasn't until 09/29/2023, $343.00 was taken from my account. I received a notice via text that the amount was withdrawn from my account. I made contact with the bank and spoke with a CSR named **** and was connected over to the dispute center where I then spoke to ******. I was told that paperwork would be sent to me to fill out. I was able to print the papers, fill then out and fax them back to the bank. I was told that other forms would be sent but I never got any other forms. While my waiting to receive more papers, I checked my email on 10/30/2023 and saw that I had received an email, dated for 10/19/2023 stating that they had come to the conclusion that the transactions were completed by the authorized user(me). I then made contact with a guy from the banks dispute department. He stated that from his computer that "they" had decided that I withdrew from my own account. I then asked him, "who are they" & wasn't he the one looking into my dispute. He acted as if he wasn't able to give me a definite answer nor proof of their findings when asked. I was then placed on hold for over an hour. I hung up the call because no one ever came back to the phone.

  

  Business response

  11/28/2023

  This message is in response to your correspondence concerning the above referenced issue.  We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you.
  
  Thank you.

• Initial Complaint

  06/16/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Subject: Complaint Against: Republic Bank I am writing to file a formal complaint against Republic Bank regarding the imposition of a prepayment penalty on my loan. 1.Bank *************************************** ******************************************************************** ************ Loan Number: 5741000-1 2.Description of the Issue: I entered into a loan agreement with Republic Bank on 3/1/2010 for a loan of $360,000. The agreement did not provide any clear information or options regarding accelerated payments or prepayment penalties. However, when I approached the bank to discuss terminating my contract with ******************* I was informed that the bank required accelerated payments direct from Allstate. I had no choice but to let Allstate pay Republic Bank 100% of each months payments directly and receive no funds to live on until the loan balance was paid off. Once the loan was paid off, the remainder of the payments would go directly to me. However, Republic Bank was paid on their terms and no money going to me for 5 months. Final payment Republic Bank did take the $1,670.21 as a pre-payment penalty. I feel with me not having any choice I should not be penalized and deserve that money back. It seems immoral and unethical to demand accelerated payments and then charge me a penalty for doing so.3.Attempts to Resolve: I have made attempts to negotiate with Republic Bank regarding the prepayment penalty. I was informed that the prepayment penalty was a standard provision in their loan contracts and could not be waived or modified.4.Desired Resolution: I request that Republic Bank waive the prepayment penalty imposed on my loan. As a customer, I should have the right to make accelerated payments or pay off my loan while being subjected to additional charges or pay the monthly payment and not be subject to that penalty. I was never given the opportunity to make the month installments and not get charged that fee.

  

  Business response

  06/21/2023

  This message is in response to your correspondence concerning the above referenced issue.  We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you. Thank you.

  Customer response

  06/27/2023

   
  Complaint: 20197714
  
  I am rejecting this response because: I have received no response from Republic Bank, as they stated a representative would be reaching out to discuss. Never received that call, nor missed any calls.
  
  Sincerely,
  
  *********************

  

  Business response

  06/29/2023

  Republic Bank of Chicago is reviewing your complaint and will be providing a response to you shortly. Thank you. 

  Customer response

  07/08/2023

   
  Complaint: 20197714
  
  I am rejecting this response because: Still don't have a response from Republic Bank.
  
  Sincerely,
  
  *********************

  

  Business response

  07/11/2023

  Thank you for your patience you should be receiving a response in the mail. 

  Customer response

  07/12/2023

  the 
  Complaint: 20197714
  
  I am rejecting this response because: A copy of the contract that was signed in 2010 was mailed to me. I reject this as an unfair and deceptive practice. I will be submitting a complaint to the New York Attorney General if there is no further consideration as to a refund of the prepayment penalty that was charged when I could have made the monthly payments until the loan was satisfied. Republic Bank demanded early payment and then charged the prepayment penalty. This is not ethical nor moral. 
  
  Sincerely,
  
  *********************

  

  Business response

  07/13/2023

  This message is in response to your correspondence regarding the above referenced issue.  We are sorry that the outcome of terminating your contract did not meet your expectations.  ******** acted according to the terms and conditions of the loan you had with us as detailed in our written response to you.  

  Thank you.

  Customer response

  07/17/2023

   
  Complaint: 20197714
  
  I am rejecting this response because: Just because you send me a letter stating the contract was fulfilled does not mean this complaint is complete. This complaint has to do with the immoral and unjust fee processed. I am not sure how it was legal to proceed with this fee but I will be filing a complaint in each state as to Republic Bank not acting ethically or morally responsible. Unsure what the BBB did to help, however, I will exhaust every avenue possible.

  
  Sincerely,
  
  *********************

• Initial Complaint

  12/15/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 10/07 I had to file a dispute in the amount of $676. On 12/14 Revolve Finance sent me an email that they had posted a permanent credit in the amount of $676 to my account. After checking my account I see 2 transactions from STAR chargeback on my account. Each transactions offsetting each other. I have been trying to get this corrected and have had no luck. It's I'm possible to speak with a supervisor. And I thought according to Regulation E was the credit was offered by the bank they had to post it to the account at the time period they offered the credit. I've provided proof of screenshots to prove the issue I'm having. My account can be located by my email, *******************

  

  Business response

  12/16/2022

  This message is in response to your correspondence concerning the above referenced issue.  We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you.

  Customer response

  12/23/2022

   
  Complaint: 18578126
  
  I am rejecting this response because: nobody hasnt called per their message. They are a multimillion dollar company and can't handle business properly. Also the calls that I had gotten from the bank before I filed a complaint where coming in as a private number. Why does this bank hide their numbers from their customers 
  
  Sincerely,
  
  *********************************

• Initial Complaint

  09/22/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Revolve Finance Program Scammed me out of $4000.00! I want a full refund, now!I had no knowledge of Revolve Finance Program prior to it appearing on my bank statement.I notified Citibank, my banking institution, on or about September 10, 2022 of these fraudulent charges. Each attempt on my behalf to retrieve my $4000.00 by calling *********** has lead to a computerized, automated prompt for a 16 digit card number, which without, I was automatically disconnected. I am unable to provide any 16 digit card number to them because, primarily, I have never heard of Revolve Finance Program to be able to consent to them debiting my checking account once in the amount of $2000.00 let alone a second $2000.00 debit approximately 18 minutes later nor give permission to receiving a card from them. Secondly, I have never received any type of card with a 16 digit set of numbers from them. Finally, I have received nothing from them, no card, and no 16 digit numbers to give them as they request when calling the phone number. Moreover, I am prohibited on their end from making any further advancement or inquire into the return of my $4000.00. I have had no legitimate consensual interactions with this so- called business. I have never consented to any business interactions with Revolve Finance Program for them to debit my Citibank checking account in the sum of $4000.00, send me any ***************** 16 digit card number. Being unable to get beyond their automated prompt and speak to anyone at Revolve Finance Program has been frustrating. Return my Money Stop Scamming People!

  

  Business response

  09/23/2022

  This message is in response to your correspondence concerning the above referenced issue.  We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you.

• Initial Complaint

  07/28/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My card was stolen an reported. The bank acknowledged but did nothing to compensate me the money stolen.

  

  Business response

  07/29/2022

  This message is in response to your correspondence concerning the above referenced issue.  We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you.

  Customer response

  08/01/2022

   
  Complaint: 17639217
  
  I am rejecting this response because:
  
  Sincerely,
  
  ************************* I called these transactions immediately. I was told that I would be refunded my money back my card was stolen. I never been to the city that my money was stolen.

  

  Business response

  08/02/2022

  Your request requires some research, but we should have an update for you within 5-7 business days. Thank you for your patience.

  Customer response

  08/03/2022

   
  Complaint: 17639217
  
  I am rejecting this response because:
  
  Sincerely,
  
  *************************

  

  Business response

  08/11/2022

  This message in in response to your correspondence concerning the above referenced issue. We have responded directly to you regarding this matter. Thank you for bringing your concerns to our attention. Should you have any questions regarding the response we sent you, please do not hesitate to contact us directly.

• Initial Complaint

  05/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  *************************** *************************************************************** *********************************** Republic Bank **************************************** *********************************** Republic Bank Representatives:I have been a member of *********************************** Republic **************** for eight years. I recently started receiving my ********** of ************************ connected benefits. An EFT transaction # ********* for $1,153.12 was sent to Account #************ and router number ********* which has been verified not only by Republic Bank of Chicago and Insight, it has been verified by the ********** of ******** Affairs as the correct information on file. Additional transactions have been made and only one has been received on March 28, 2022 for ******. Several other transaction/deposits have been made and not credit to my account.December 30, 2021 for ****** not received February 1, 2022 for ****** March 1. 2022 for ****** April 1, 2022 for ****** (received)May 1, 2022 for ****** I have initiated an investigation/tracer into these funds from the ********** of ******** Affairs. I need both ************************************* Republic Bank to initiate an investigation in these funds/transactions. I will also be filing a complaint with the Better Business Bureau as this services was recommend by CCC Currency Exchange and I will be reaching out to them with an complaint also as I have tried unsuccessfully for at least 3-4 months to resolve this issue.Please update my phone number on the record. It was listed as ************** however my current phone number ***************.Thanks so very much ******************************* ** ************ ******* CC: ********** of ******* Affairs (fax/phone call)Better Business Bureau (email)Republic Bank of Chicago (email)

  

  Business response

  05/25/2022

  This message is in response to your correspondence concerning the above referenced issue.  We want to assure you of our continued commitment to provide the best possible customer service. A representative has reached out to and resolved your issue. 

• Initial Complaint

  05/18/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Date of Transaction Filed a fraud against revolve finance federal trade commission back in Feb 2022. They sent an **** card with my name and routing number to an account /I didn't authorize or open. Wrote a letter and tried to call and report fraud account with no call back or response. Fast forward 3 months received another **** card from same people and bank with routing number. I my name off of there list and stop sending me **** cards to activate which I didn't authorize any accounts.

  Customer response

  05/20/2022

  I do not have picture of back of card but will get it

  

  Business response

  05/20/2022

  This message is in response to your correspondence concerning the above referenced issue.  We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you.
  
  Thank you.

• Initial Complaint

  04/09/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I previously had a account ********************************************************************************************************************* that I had a negative balance of 200$ with them will previously I paid it off from a deposit I got but they claim they didnt get but its had show on my deposit. So I argued with these for a about 2 hours and then they hung up on me , so I called back to months later and they told me that my account was closed. So I didnt have no access to this account so basically forgot it will I had filled my 2020 taxes with my bank account I had on file with prior to this incident I forgot that I had that account on my taxes. So now remind you I never got my taxes that year when I filed because the irs want more information, so now here it is and its 2022 I get a text message say I got a refund for on march 16 ***** 5,832$ and the transactions was made on that day too , so Im like this cant real I been close this account years ago I thought and then so I see transactions made right after that and like ,No this cant be so I couldnt call them when it happen because I work so when got off work later on I called them so when I call I go though the prompts I I had to put in all my information when I didnt have a card number to put in the so they can pick up so I had to say my card was stolen and go from . Will they pick up the phone a the lady said how can I help you and I told her whats going on and is talk I dont know why that happened because your account was closed but its scenes like it reopen I said will I dont know going on but i have Unauthorized authorize charges stating that I got a refund and somewhere fun go to chumba gold coins and I dont know where how this happpen when this account been close And from their I had to do a dispute charges to get my money back and had to fax all there paper to them andSo now I call them and they told me they are working on it and my funds will be deposited on my apr 1 and

  

  Business response

  04/11/2022

  This message is in response to your correspondence concerning the above referenced issue.  We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to assist you.

  Customer response

  04/21/2022

   
  Complaint: 17009674
  
  I am rejecting this response because:
  

  Here is a cupple of paper work to show where they started the refund and stopped 
  
  

  Sent from my iPhone

  
  Sincerely,
  
  ***************************

  

  Business response

  04/28/2022

  This message is in response to your correspondence concerning the above referenced issue.  We want to assure you of our continued commitment to provide the best possible customer service. A representative will be reaching out to you directly to resolve your issue.

*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. ↩