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Business Profile

Bank

Celtic Bank Corporation

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 105 total complaints in the last 3 years.
  • 76 complaints closed in the last 12 months.

If you've experienced an issue

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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:09/08/2024

    Type:Billing Issues
    Status:
    Answered
    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.
    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

    Date: 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 Answer

    Date: 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

    Date: 09/16/2024

    Hello,

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

    Regards,

    Sue J**** 

Celtic Bank Corporation is NOT a BBB Accredited Business.

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