ComplaintsforCeltic Bank Corporation

• Initial Complaint

  09/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The documents provided are credit card statements for Paul Bergh, detailing his account activity, balances, payments, and fees. In August, his balance increased from $999.29 to $1,127.36. The document outlined various payments, purchases, fees, and interest charges. Notably, Paul made multiple $40.00 payments and incurred charges like a credit protection fee, annual fee, and monthly maintenance fee. In September, Paul's account showed a past due amount of $57.00 and a new balance of $1,217.46, with a minimum payment due of $148.00 by September 27, 2024. Both statements focused on fees and interest charges, totaling $210.00 for fees and $166.10 for interest. Continental Finance terms state that for Credit Limits of $300 and $500, there is a $0 introductory monthly maintenance fee for the first year. After that, a $12.50 monthly maintenance fee is billed at the end of each Billing Cycle. The annual fee for a $300 Credit Limit is $75 for the first year, then $99 thereafter. For Credit Limits of $500, $750, and $1,000, the Annual Fee is $125, billed once the Account is opened and on the anniversary date each year. Paul was charged $150 and a $15.00 maintenance fee, which contradicts Continental Finance terms. Moreover, the minimum payment for August was submitted punctually, so a late fee should not have been applied, nor should the account have exceeded the credit limit. These actions have damaged Paul's credit report with a 30-day late mark and over-limit status. After reporting these issues to the agencies, it becomes challenging to rectify mistakes. In conclusion, these documents thoroughly summarize Paul Bergh's credit card account, highlighting transparent and precise information regarding the associated fees. The data aligns with the Truth in Lending Act guidelines. Paul Bergh is requesting that the late fees be credited back to his account and the discrepancies corrected. He is also seeking compensation for the harm done to his credit report.

  Business response

  09/18/2024

  Hello,

  Attached you will find the response to the complaint filed in this matter. 

  Sue Jones 

• Initial Complaint

  09/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding the recent closure of my account by one of your managers, Akash, which I believe was done maliciously and without any merit. On August 23, 2024, at approximately 7:45-8:00 PM EST, I received a call on my alternate cell phone number listed on the fraud alert on my credit profile (478-588-0296). The Deserve agent who contacted me successfully verified my identity after going through the necessary verification questions, and as a result, my account was opened. Despite this, Akash has cited that my account was closed because my identity could not be verified—a claim that is completely untrue. When I requested that Akash review the phone call from that evening to confirm my successful identity verification, he refused. Instead, he stated that he could close my account for any reason of his choosing and was not obligated to explain his actions. This arbitrary and dismissive attitude towards customers is both alarming and unacceptable. Furthermore, on September 1st and 2nd, I spoke with Mr. Kalpesh and Mr. Hollingsworth, who assured me that someone would investigate this matter. However, on September 3rd, I received an email informing me that my account had been closed. Akash has since admitted to being the one responsible for closing my account. Before my account was closed, I sent multiple responses to Deserve seeking clarification on this issue. Additionally, the Visa Support Center attempted to reach out to Deserve to understand why my account was being closed, but I received no satisfactory response. Given the severity of this situation, I am formally requesting that my account be reactivated immediately. Please be advised that I will be escalating this matter to the Federal Reserve, the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Office of the Comptroller of the Currency if this issue is not resolved promptly. Sincerely, Joshua Bush

  Business response

  09/11/2024

  Hello,

  Attached you will find Celtic Bank’s response to the complaint filed in this matter. Please let me know if you have any questions. 

  Regards, 

  Sue J****

   

  Customer response

  09/13/2024

  
  Complaint: 22257160
  
  I am rejecting this response because: Which transactions were high risk ma’am? Since when did ordering Lyft rides, ordering food from DoorDash, ordering clothes from MNML.LA , Sneakertown Miami, ordering from Apple.com become high risk?! Those are everyday transactions that normal people make. As far as the Tik Tok Shop transactions that were denied along with the visible transaction which were also initiated by me but declined for whatever reason did not even go through after several decline attempts! Also, Cash App allows you to add a credit card to their app it was only until I read the terms and conditions to find out that AMC credit card does not offer cash advances which is why the $30 transaction was denied. If the merchant is high risk in your system how is the customer suppose to know that?! That’s insane to blame me making purchases as me being high risk when it’s the merchant?! The fact that in wasnt even allowed to explain but Deserve attempted to make false reasons why my card was blocked and then closed shows unethical business practices. Now that I’ve sent my identity verifying documents to prove you all wrong; now you’re saying I made several high risk transactions but in all actuality it’s the merchant who you have chose to mark as high risk in your system and instead of explaining that to the merchant that they are listed as high risk with Celtic Bank; you all are blaming the customer! That’s totally unfair! Also, you told your employee that you would give me a call on yesterday but I never heard from you. How difficult is it to contact your customer? I’m assuming when you know you’re practicing bad business and being unethical you feel some sort of guilt. Also an agent name Akash at AMC CUSTOMER SERVICE 

  
  Sincerely,
  
  Joshua Bush

  Business response

  09/16/2024

  Hello,

  Please see attached in response to the rejection filed in this case. 

  Regards,

  Sue J**** 

• Initial Complaint

  05/25/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  On April 28, 2023 I entered into a re-entry program, with Surge Mastercard (Celtic Bank) due to a financial hardship I had experienced within the previous months. At the time, my account was still open, past due, but still open. I agreed to pay the set amount for 3 months. When I called in to make my first of the three payments, on May 25, 2023, I was informed that my account had been charged off. I did not receive any notifications of this and it was confirmed by the "supervisor" that the previous employee should not have put me on that program and did not provide me with the right information to make the best decision. In addition, He said, " yeah, he should have told you that this account would be charged off within the next few days." This led me to believe that I was making a payment to keep the account open, which were his exact words. Had I known this, I would have paid sooner and now my credit report is being tarnished with this due to the lies and deception of this employee and company. I do not think this is right. While I know this card is to help people reestablish credit, it doesn't mean they can take advantage of people!! I demand that something be done about this because my credit would not have taken this charged off hit, had they done their job and properly communicated with me. I'm utterly disgusted with them!!

  Business response

  06/02/2023

  Submitting response for *************************** (Ref ********)

• Initial Complaint

  11/19/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am disputing the accuracy of information that has been reported to the three credit bureaus. i am requesting original documentation of the account along with verifiable proof that I have been informed of the accounts being opened, late, and sent to collections. According to the provisions of the Fair Credit Reporting Act 611(a) [15 USC ****i(a)], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 (a)(6) [15 USC ****j (a) (6)]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [15 USC ****j], there should be no charge for this report.

  Business response

  11/22/2021

  Hello, 

  We have been Unable to locate with any of our partners a "***********************" that match the email, address or phone number.  Could you please provide us with more information?  

  Regards, 

  *** Jones 

*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. ↩