Busey Bank

Initial Business Response / [redacted] (1000, 7, 2015/11/10) */ We have responded directly to Mr [redacted] and provided him a full refund of the maintenance fees he incurredWe thanked Mr [redacted] for his loyalty to Busey, and apologized for his frustration regarding this matterWe believe that this matter has now been settled to the customer's satisfaction::

My husband is the seller of a property in May 2016, and we had the displeasure of dealing with this poor quality lender through, the buyer Closing was delayed weeks, costing us money, because this lender did not get their act together on time A Contract was signed 2/with week closing date of 4/The lender failed to meet their deadlines causing nothing but headaches ,and extensions upon extensions; there were in total Nothing but excuses: operating system switch: someone was on vacation: the underwriters, etc In addition, the buyers lost their "inspection credit" because of this lenders inability to secure the loan Closing was to occur May 6, with a contingency that if closing occurred after May 6, 2016, the buyers would lose the closing credit of $1, The buyers were again assured by the lender that they will not have any problems closing by this date On May the buyers were issued a commitment letter with an incorrect interest rate and new conditions! How pathetic On May a CD was issued and the closing was scheduled for May On May the buyer was informed that new conditions were issued from the underwriter and the closing has to be cancelled; this request occurred a mere two hours before the scheduled May closing! You really can't make this stuff up My advise and opinion, stay clear of this lending firm, OR, expect there to be many upon many unusual "hurdles" and disappointments, with buying/selling a home

I have refinanced my house and selected Pulaski Bank instead of QuickenLoanIt was a good decision based on the the interest rateBut, SERVICES provided by Pulaski bank was "suck"They were really pressing me to collect all financial informationAfter collecting all info, they disappearThey were completely unresponsive to my emails or phone callsBefore and after the final sign-off they completely ignored meOn top of that I have learned that my mortgage was sold to Chase bank without any noticePer said, Pulaski Bak is a GREEDY organization that is interested in your $ They do not care about youI do no recommend them to any person who want financial partner to guide them during their refinancingBecause they do not care of your financial situation

I have also had a horrible experience with PulaskiThey don't have any system to deposit money right away if you suspect an overdraft could occur when the bank is closed They don't show up to date credits or debits online or on the receipt from the ATM It appears to be all smoke and mirrors If you incur one overdraft, and put money in , they'll still find a "creative" way to suddenly reveal many other transactions that do not show up til next morning-' of course somehow they came in ' before' the funds I put in to cover them even though this is not what actually happened They'll charge $for as much as they can get away with, without notifying you about it or displaying it online or giving you the ability to deposit funds immediately This one to the tune of dollars in overdraft charges! ( in one night off business hours of course)! Then they refuse to change it refund any of your money and treat you like a lowlife for expecting them to correct their grand larceny I mean error The management enjoys watching you squirm for your money, when they've loaded the dice and withheld information from the consumer until 2-am when they throw every pending charge in BEFORE they count the previously deposited funds that covered them I call it "funny money"'- these banks profit off families struggling to put food on the table without batting an eyeThey think they are doing us a favor to ' rewrite' their own little version of the truth- the order in which the funds were there to cover charges , yet somehow the order gets reversed in their favor- stealing hundreds of our hard - earned dollarsThey keep it all deliberately vague and hidden rearranging the order online (and on statements printed out ) several times in various different orders whichever garners them the most of your money in their pocketsThen you try to prove that the money in preceded the money out, unfortunately there being no way to prove it It is essentially a shell game then they go out to sneak a cigarette I will be closing our accounts there as soon as possible and will be filing complaints with the [redacted] and the Revdex.com, as well as as any consumer protection agency Can you say, class action suit? I thought that you could! It's ashame, because most of the tellers and a small handful in management have been kind and helpful, honest over the 10+ years our family banked there The management is deceptive at best , mean - spirited and spending my children's money on lots and lots of cartons of cigarettes to medicate their guilty consciencesSleep well, you Sad little people at Pulaski

I am rejecting this response because:
At closing we were told by TWO different representative that it would stop automatically at 80%. There was/is no reason to continue to charge customers a fee for approximately months for the PMI. It is just a way for the bank to grab additional money from their customers. They need to be investigated by the State and Federal Banking Regulators for their practices

Attached is the response to the complaint

Horrible, horrible experience with Pulaski Bank Home LendingWorked with Brad H*** and Priscilla S*I chose Pulaski Bank because of the interest rate and because I could get everything done onlineIf I had wanted an in-person lender I would have gone with someone locallyIn my initial email, I asked to not be contacted by phoneMy preferred method of communication (as I stated) was email and if that couldn't be respected, I would find a lender who would work with me on thatBecause I got a response back, I stupidly assumed that my request was heardIt was notBrad and Priscilla routinely made it difficult for me to get answers to my questions through email, instead preferring that I call them to get an explanationOn top of all of that, simple financial questions I asked always constituted a huge discussion instead of just providing me the answerTheir forms are incredibly confusing and they either don't do a good job of explaining them or don't want to explain themI had several people look over one of the forms I signed and no one could interpret what it meantThey also wanted to delay the closing of our loan for two weeks because my husband was missing two days worth of pay from his pay stubsAt that point, I told them to get us an exception or we were going elsewhereMiraculously, after I pushed back, they were able to do it! I don't like having to strong arm someone to do the job they SHOULD be doingI felt like they were VERY shadyIf you're old school and want to talk to them by phone times a day, then you will probably love themI'm part of a new generation who doesn't have time for that nonsense and wants my communication preferences (and time) to be respectedThey desperately need to work on their consumer experienceI intend to tell everyone what a horrific experience I had with them and will NEVER recommend them to anyone

Initial Business Response /* (1000, 5, 2015/09/02) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@pulaskibank.com
On July 2, 2015, Ms*** filed a complaint with *** *** VP, Consumer Banking OperationsMs***'s issues with
the bank are summarized as follows:
She indicated that she had moved to California and was unable to use her debit card
She has alleged that *** *** Branch Manager at the bank's South Grand branch was harassing her by calling her 3-times daily
3.She said she sent several emails directing that her account be closed which she alleged were ignoredShe also indicated that she had given the bank several stop payment directors, which she alleges were also ignored
4.She also stated that she signed stop payment forms on three different occasions, but alleged that the stop payments were never placed on the applicable checks
Ms*** requested Ms*** to send her the above referenced documentation so she could research the allegationsTo date, Ms*** has not received any information from Ms***Notwithstanding that none of the requested documentation has been received, Ms*** opened an internal investigation to address the issues with Mr*** supervisor, *** *** SVP, Regional Manager
Ms*** subsequently researched Ms***'s allegations and discussed her findings with *** ***, EVP, Banking and Director of Human ResourcesIt was determined that Ms*** did contact Mr*** on July 3, at 4:p.mstating that her ATM card was not working and asked why it was not workingShe also said that she was frustrated and requested to close her accountThe bank's internal investigation also determined that Ms*** had contacted Pulaski Bank's Card Servicing Department on June 25, at 9:a.mand reported her card stolen, therefore her card was immediately locked out for Ms***'s protectionIt was also communicated to Ms*** that, because the card had been properly locked out as a result of its reported theft, she would not be able to use itIn addition, Mr*** was advised not to contact Ms*** in the future, but instead, Ms*** would handle the matter directly in an effort to resolve Ms***'s complaint
Ms*** called Ms*** on July 6, to obtain additional details and clarification and to advise Ms*** that she would be personally handling the account going forwardUpon initially making contact with Ms***, she advised Ms*** that she was traveling and could not give any details at that timeMs*** again reached out to Ms*** via email on July 7, At this time, Ms*** did not provide Ms*** with any additional details or clarification regarding the matter and became agitated, alleging that the bank would not credit any fees back to her account until the details were providedMs*** communicated that she had been through some personal issues and she didn't have time to send any further details relating to the matterFinally, after several emails between the bank and Ms***, the bank credited $for overdraft feesMs*** felt this was sufficient and the issues was resolved

Initial Business Response /* (1000, 5, 2015/09/02) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@pulaskibank.com
On July 2, 2015, Ms*** filed a complaint with *** *** VP, Consumer Banking OperationsMs***'s
issues with the bank are summarized as follows:
She indicated that she had moved to California and was unable to use her debit card
She has alleged that *** *** Branch Manager at the bank's South Grand branch was harassing her by calling her 3-times daily
3.She said she sent several emails directing that her account be closed which she alleged were ignoredShe also indicated that she had given the bank several stop payment directors, which she alleges were also ignored
4.She also stated that she signed stop payment forms on three different occasions, but alleged that the stop payments were never placed on the applicable checks
Ms*** requested Ms*** to send her the above referenced documentation so she could research the allegationsTo date, Ms*** has not received any information from Ms***Notwithstanding that none of the requested documentation has been received, Ms*** opened an internal investigation to address the issues with Mr*** supervisor, *** *** SVP, Regional Manager
Ms*** subsequently researched Ms***'s allegations and discussed her findings with *** ***, EVP, Banking and Director of Human ResourcesIt was determined that Ms*** did contact Mr*** on July 3, at 4:p.mstating that her ATM card was not working and asked why it was not workingShe also said that she was frustrated and requested to close her accountThe bank's internal investigation also determined that Ms*** had contacted Pulaski Bank's Card Servicing Department on June 25, at 9:a.mand reported her card stolen, therefore her card was immediately locked out for Ms***'s protectionIt was also communicated to Ms*** that, because the card had been properly locked out as a result of its reported theft, she would not be able to use itIn addition, Mr*** was advised not to contact Ms*** in the future, but instead, Ms*** would handle the matter directly in an effort to resolve Ms***'s complaint
Ms*** called Ms*** on July 6, to obtain additional details and clarification and to advise Ms*** that she would be personally handling the account going forwardUpon initially making contact with Ms***, she advised Ms*** that she was traveling and could not give any details at that timeMs*** again reached out to Ms*** via email on July 7, At this time, Ms*** did not provide Ms*** with any additional details or clarification regarding the matter and became agitated, alleging that the bank would not credit any fees back to her account until the details were providedMs*** communicated that she had been through some personal issues and she didn't have time to send any further details relating to the matterFinally, after several emails between the bank and Ms***, the bank credited $for overdraft feesMs*** felt this was sufficient and the issues was resolved

April 12, 2018 Revdex.com Re: Complaint of *** *** We have investigated the customer complaint submitted by Ms*** regarding monthly applied private mortgage insurance (PMI) payments. Our practice is to cancel PMI when the loan-to-value is at 80% upon written
request from the customer or at 78% loan-to-value PMI is removed automatically. On March 12, we received a letter from Ms*** requesting the removal of PMI in which we effectively applied that day. We hope that this response satisfies your requestPlease contact me at or [email protected] should you need further information. Sincerely,*** *** SVP, Director or Fair and Responsible Banking

I did not have a great experience with Pulaski Bank They were initially very responsive but there were consistent delays, missed deadlines, and a general disinterest in being 100% engaged in the process The response was always that they were very busy

Complaint: ***
I am rejecting this response because:
This is not how the experience with *** was, I can provide contact information for my realtor and the realtor of the selling party who could testify on my behalf showing that by no
means *** *** was responding to messages promptly and in a timely manner, the way she is making it seems is not the way things happen in real life and at no point she informed us about "our" bad credit, although our credit did Improved durning the process at no time was the credit scores we had low, the way she is not taking accountability for her actions goes to show how unprofessional she is, and I am aware of at least two more cases were she worked with other clients and her work was the same as it was with us, again I have two realtors that can provide validation to my story and completely dismissed the one *** *** provided and I also know about two other customers that either stop their loan or will stop the loan based in the assistance they received from ***, the solution they are providing is not sufficient because the way they are saying things happen is not the truth it actually is far from the truth
Sincerely,
*** *** ** ***

Good morning,Attached are the PMI disclosure documents that were provided to the [redacted]s at closing.  The disclosure document which explains the timing of cancellation was signed by both borrowers.  The disclosure states the PMI would not be automatically cancelled at 80% LTV and the steps that would need to be taking in order to request cancellation.  Please let us know if any further information is necessary to close out this complaint.   Thank you!

BEWARE! AVOID PULASKI AT ALL COSTS. Pulaski Bank alleged a $57 overdraft on my part several years ago. I was never advised, either in writing or by phone, of the overdraft. I was reviewing my credit report recently and was aghast to learn a collection agency is demanding $480 from me to settle this matter; they claimed the amount is for the collection fee and DAILY PENALTIES assessed by Pulaski Bank. I spoke with a Mr. [redacted] in collections at the home office in Creve Coeur, who in effect told me tough luck, pay up or shut up. I have filed a complaint with the Missouri Banking Commission in Jefferson City and am preparing one with the Attorney General's Consumer Protection division. If you walk through the threshold of any Pulaski Bank make sure your billfold is sewn into your back pocket.

I have also had a horrible experience with Pulaski. They don't have any system to deposit money right away if you suspect an overdraft could occur when the bank is closed. They don't show up to date credits or debits online or on the receipt from the ATM. It appears to be all smoke and mirrors.
If you incur one overdraft, and put money in , they'll still find a "creative" way to suddenly reveal many other transactions that do not show up til next morning-' of course somehow they came in ' before' the funds I put in to cover them even though this is not what actually happened.
They'll charge $35 for as much as they can get away with, without notifying you about it or displaying it online or giving you the ability to deposit funds immediately.
This one to the tune of 350 dollars in overdraft charges! ( in one night off business hours of course)! Then they refuse to change it refund any of your money and treat you like a lowlife for expecting them to correct their grand larceny I mean error. The management enjoys watching you squirm for your money, when they've loaded the dice and withheld information from the consumer until 2-4 am when they throw every pending charge in BEFORE they count the previously deposited funds that covered them
I call it "funny money"'- these banks profit off families struggling to put food on the table without batting an eye. They think they are doing us a favor to ' rewrite' their own little version of the truth- the order in which the funds were there to cover charges , yet somehow the order gets reversed in their favor- stealing hundreds of our hard - earned dollars. They keep it all deliberately vague and hidden rearranging the order online (and on statements printed out ) several times in various different orders whichever garners them the most of your money in their pockets. Then you try to prove that the money in preceded the money out, unfortunately there being no way to prove it.
It is essentially a shell game then they go out to sneak a cigarette.
I will be closing our accounts there as soon as possible and will be filing complaints with the [redacted] and the Revdex.com, as well as as any consumer protection agency.
Can you say, class action suit? I thought that you could!
It's ashame, because most of the tellers and a small handful in management have been kind and helpful, honest over the 10+ years our family banked there. The management is deceptive at best , mean - spirited and spending my children's money on lots and lots of cartons of cigarettes to
medicate their guilty consciences. Sleep well, you
Sad little people at Pulaski.

Initial Business Response /* (1000, 7, 2015/11/10) */
We have responded directly to Mr. [redacted] and provided him a full refund of the maintenance fees he incurred. We thanked Mr. [redacted] for his loyalty to Busey, and apologized for his frustration regarding this matter. We believe that this matter has now...

been settled to the customer's satisfaction. ::

I have refinanced my house and selected Pulaski Bank instead of QuickenLoan. It was a good decision based on the the interest rate. But, SERVICES provided by Pulaski bank was "suck". They were really pressing me to collect all financial information. After collecting all info, they disappear. They were completely unresponsive to my emails or phone calls. Before and after the final sign-off they completely ignored me. On top of that I have learned that my mortgage was sold to Chase bank without any notice. Per said, Pulaski Bak is a GREEDY organization that is interested in your $. They do not care about you. I do no recommend them to any person who want financial partner to guide them during their refinancing. Because they do not care of your financial situation...

My husband is the seller of a property in May 2016, and we had the displeasure of dealing with this poor quality lender through, the buyer.

Closing was delayed 6 weeks, costing us money, because this lender did not get their act together on time. A Contract was signed 2/23 with 7 week closing date of 4/12. The lender failed to meet their deadlines causing nothing but headaches ,and extensions upon extensions; there were 5 in total. Nothing but excuses: operating system switch: someone was on vacation: the underwriters, etc.
In addition, the buyers lost their "inspection credit" because of this lenders inability to secure the loan.
Closing was to occur May 6, with a contingency that if closing occurred after May 6, 2016, the buyers would lose the closing credit of $1,300.00. The buyers were again assured by the lender that they will not have any problems closing by this date.
On May 2 the buyers were issued a commitment letter with an incorrect interest rate and new conditions! How pathetic.
On May 5 a CD was issued and the closing was scheduled for May 10
On May 10 the buyer was informed that new conditions were issued from the underwriter and the closing has to be cancelled; this request occurred a mere two hours before the scheduled May 10 closing! You really can't make this stuff up.

My advise and opinion, stay clear of this lending firm, OR, expect there to be many upon many unusual "hurdles" and disappointments, with buying/selling a home.

Complaint: [redacted]
I am rejecting this response because:
This is not how the experience with [redacted] was, I can provide contact information for my realtor and the realtor of the selling party who could testify on my behalf showing...

that by no means [redacted] was responding to messages promptly and in a timely manner, the way she is making it seems is not the way things happen in real life and at no point she informed us about "our" bad credit, although our credit did Improved durning the process at no time was the credit scores we had low, the way she is not taking accountability for her actions goes to show how unprofessional she is, and I am aware of at least two more cases were she worked with other clients and her work was the same as it was with us, again I have two realtors that can provide validation to my story and completely dismissed the one [redacted] provided and I also know about two other customers that either stop their loan or will stop the loan based in the assistance they received from [redacted], the solution they are providing is not sufficient because the way they are saying things happen is not the truth it actually is far from the truth.
Sincerely,
[redacted]