Initial Business Response /* (1000, 5, 2017/02/28) */
At Great Southern Bank, we never like to hear of a bad customer experienceIn general, we do everything we can to help our customers and strive to address customer needs and help in any way that we canDue to customer confidentiality, we
cannot address this customer's specific situation in this forum, but have made contact with the customer directlyTo further discuss the situation, please contact us at your earliest convenience
Initial Business Response /* (1000, 5, 2016/11/10) */
At Great Southern Bank, we never like to hear of a bad customer experienceIn general, we do everything we can to help our customers and strive to address customer needs and help in any way that we canDue to customer confidentiality, we
cannot address this customer's specific situation in this forum, but always encourage open dialogue between our customers and our companyWe have made direct contact with the customer and feel a fair resolution has been reached regarding this matterIf further information is required, please contact us at your earliest convenience
Initial Business Response /* (1000, 10, 2015/09/01) */
Thank you for your inquiry regarding the concerns related to our practices involving a debt consolidation loan with Great Southern BankIt is standard practice when initializing a bill consolidation loan that we require the line of credit to
be closed, so that future purchases cannot be made to cause the customer additional debt and potential harm to their creditSeveral times throughout the loan process and review of documents, we disclose that we will be requesting the account to be closed at the time payoff is received
Initial Business Response /* (1000, 5, 2014/11/28) */
Thank you for contacting us about this misunderstandingWe make every attempt to make clear and concise disclosure of all of our program guidelinesBelow you will find the disclosure previously used in the Skip Payment Program at Great
Southern BankThe fact that interest would continue to accrue on the unpaid balance was consistently disclosed to customersDue to privacy restrictions, details of customer accounts cannot be discussed in this reply
*By participating in the Great Southern Bank Skip Payment Program you are making application to extend the original repayment terms of the loan referenced above by one monthThis extension in no way otherwise alters the original terms and conditions of the loan as previously disclosed to youInterest will continue to accrue on the unpaid balance of the loan at the agreed rateYou further agree and understand that: (1) all signers of the loan must agree to the Skip Payment Program and sign this certificate; (2) finance charges will continue to accrue at the rate provided in your loan agreement during and after this time; (3) deferring your payment will result in having to pay higher total finance charges than if you made your payment as originally scheduled; (4) the payment deferral will extend the term of your loan and you will have to make extra payments(s) after your loan would otherwise be paid off; (5) you will be required to resume your payments the following month; (6) if we are unable to stop your ACH payment in time, your skipped payment may be delayed until the next scheduled paymentOnly one skip payment coupon may be used annuallyCertain restrictions apply
Great Southern Bank does assess all of its programs on a regular basis and customer feedback is an important part of that evaluationTo discuss loan details, customers can call our Loan Servicing Department at XXX-XXX-XXXX
Initial Consumer Rebuttal /* (3000, 7, 2014/12/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Yes in no way is it altered but read on and see how its altered.im saying I was not gave any statement at any time since the first skip payment I done in If I recieved a statement with a dollar amount you can be asured I would have paid that and I would never done it againBut as a scam they do not want you to know a dollar amount until regular payments are doneIn my case almost years later.what is not crooked about that? They sent me a new payment book with the makeup payments and they are the same amount I been payingNo mention of the intrest they are going to
charge maybe in a ballon payment at the end of the makeup payment.it dont say that in their every effort to disclose guidlines.they told me they have done away with the skip a payment because of too many customer complaintsThats a step in right direction but im still being victimized by fraudulant means.they dont to discuss my account because the amount of intrest they are charging in actually double what the rest of my payments are and thats as of now not in august last regular payment is due.the only way I found
Out was by inquiring about payoff No way was they going to tell me amount until last payment was made
Initial Business Response /* (1000, 9, 2015/01/13) */
Thank you for the inquiry regarding Mrs. Wray's concerns with her title documents.
Great Southern Bank has conducted an extensive review regarding the situation and has identified that this was a unique scenario and, unfortunately, ...
miscommunication had occurred between the multiple agencies involved.
Given the public nature of our response, details of our customer's account cannot be disclosed due to privacy requirements; however, Great Southern Bank has maintained open lines of communication with Mrs. Wray and to our knowledge have satisfied her concerns.
If there are any further questions, please feel free to contact me.
Initial Consumer Rebuttal /* (3000, 11, 2015/01/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They did not satisfied my concerns, When I received the title it was a voided no good title. Which means still here, husband missing work, and my mother in law still very ill and we are still here. No not satisfied just coming to terms with big business and the ethics behind them. How easy it is for them to do harm to us while we sit and pay for your MISTAKE. NO NOT SATIFIED
Final Business Response /* (4000, 16, 2015/01/26) */
[redacted] as we discussed, my response is, it appears that we are at an impasse and I have directed Mr. Wray to please have his attorney contact me.
Final Consumer Response /* (4200, 18, 2015/01/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This company is a joke and a waste of time and plan to contact the news about how they are the meaning of bad business. We have stopped 2 people from getting loans from this company and plan to spread the word. They are bad business and corporation. They are lazy workers and should be stopped. This issue will be resolved and taken to small claims no attorney needed when I have enough prof and evidence of there neglect, and fraud
Initial Business Response /* (1000, 5, 2015/11/13) */
Great Southern Bank has thoroughly reviewed Mr. [redacted]'s concerns and addressed them accordingly. Due to the confidentiality of all parties involved, we are limited to the amount of information we can provide.
Initial Consumer Rebuttal...
/* (3000, 7, 2015/11/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It doesn't tell me anything other than they have reviewed it
Final Business Response /* (4000, 9, 2015/11/23) */
Great Southern Bank has contacted Mr. [redacted] directly to discuss this matter. Due to the confidentiality of all parties involved, we are unable to provide more detailed information.
Initial Business Response /* (1000, 5, 2017/05/16) */
At Great Southern Bank, we never like to hear of a bad customer experience. In general, we do everything we can to help our customers and strive to address customer needs and help in any way that we can. Due to customer confidentiality, we...
cannot address this customer's specific situation in this forum, but always encourage open dialogue between our customers and our company. To further discuss the situation, please contact our Deposit Services Department [redacted] at your earliest convenience.
Initial Business Response /* (1000, 8, 2017/04/04) */
At Great Southern Bank, we never like to hear of a bad customer experience. In general, we do everything we can to help our customers and strive to address customer needs and help in any way that we can. We always encourage open dialogue between...
our customers and our company, however, in this customer's specific situation a dispute must be filed with the card issuer.
Initial Consumer Rebuttal /* (3000, 15, 2017/04/19) */
see attached pdf
Final Business Response /* (4000, 20, 2017/05/04) */
As stated in the original response, the issuer of the card must be contacted in order to process the dispute even though the ATM used in the transaction was owned by another institution. Should you have additional questions or concerns please contact Great Southern's Chief Operating Officer, [redacted], for further clarification.
Initial Business Response /* (1000, 5, 2014/11/07) */
Thank you for the inquiry regarding Ms. [redacted]'s concerns that she received an unsolited debit card.
When a potential breach occurs, we receive an alert of Account Data Compromise from [redacted] and our Software provider. The notification...
contains information such as the risk time period, event description, and a list of cards that are potentially compromised. Unfortunately, we are not provided the name of the merchant.
In an effort to prevent loss to our customer's, we reissue the cards that are affected by the breach. Our standard practice is to allow 30 days to activate the new card. The compromised card will shut down at the 30 day mark or at the time of the new card's activation.
This was not a situation where the claim of an unsolictied debit card is valid. Great Southern Bank was acting upon the potential breach alert to protect our customer(s) from a potential loss.
If further information is required, please feel free to contact me.
Initial Consumer Rebuttal /* (3000, 7, 2014/11/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The fact is GSB has still not provided me with any written communication about the potential breach. I was told by customer service that a letter was sent out but it has never been received.
Although I do appreciate the fact they were being proactive to protect my account, this would have been best done by notifying me of this information prior to receiving an unsolicited new debit card.
It is this lack of communication that makes me feel that my interests were not being protected.
Final Business Response /* (4000, 16, 2014/11/20) */
With response to Ms. [redacted]'s rebuttal of our initial response, a notice dated 10/23/14 was mailed informing her of the potential compromise. Our notice stated that the merchant name was not provided to Great Southern due to an investigation that is in process.
Although we cannot account for why Ms. [redacted] did not receive the notice as stated in her rebuttal,
Great Southern Bank will forward a copy of the notice to Ms. [redacted], so that she may have it for her records.
Great Southern Bank has the best intentions to protect our customers information. We value our relationship with Ms. [redacted] and her dedication to our organization.
Initial Business Response /* (1000, 9, 2016/04/29) */
At Great Southern Bank, we never like to hear of a bad customer experience. In general, we do everything we can to help our customers and strive to address customer needs and help in any way that we can. Due to customer confidentiality, we...
cannot address this customer's specific situation in this forum, but always encourage open dialogue between our customers and our company. The appropriate personnel has initiated direct contact with the customer to resolve this matter.
Initial Consumer Rebuttal /* (3000, 11, 2016/05/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I received a letter that my account has been closed, however there was no apologies or any explanation as to why I could not have my account fees reduced to a fair amount or notification that my other requests were being handled, processed or completed. I want to know if the specified location was at least aware and a recommendation for training has be suggested.
Final Consumer Response /* (4200, 21, 2016/05/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Still I was not given the answers that I have asked for in the previous post. I [redacted] not accept until at least one of my requests are handled.
Final Business Response /* (4000, 18, 2016/05/11) */
As always, Great Southern Bank appreciates customer feedback. In regard to Mr. [redacted]'s concerns, all internal policies and procedures were adhered to. Great Southern considers this matter resolved.
Initial Business Response /* (1000, 5, 2015/11/12) */
Great Southern Bank has policies and procedures in place that meet the requirements set forth by credit bureau reporting guidelines. After review of this file it was determined that those policies and procedures were adhered to.
Initial...
Consumer Rebuttal /* (3000, 7, 2015/11/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Great Southern has legal excuses to ruin my credit, which it will lean on since it has no moral explanation. A lazy indifference to causing its clients harm is the actual case. Hopefully others will avoid this reptilian company and seek their loans elsewhere.
Final Business Response /* (4000, 9, 2015/11/23) */
Great Southern Bank has performed a detailed review of Mr. [redacted]'s, account in addition to speaking with Mr. [redacted] personally. As stated in the initial response, all policies and procedures were complied with which meet the credit bureau reporting guidelines. Due to the confidentiality of all parties involved, we are unable to provide more specific information.
Final Consumer Response /* (4200, 11, 2015/11/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Great Southern has trashed my credit by claiming I defaulted on my loan - a loan that is still active and I have never missed a payment on. It hides behind legalities and cares nothing about its customers.
Initial Business Response /* (1000, 10, 2015/04/24) */
Thank you for your inquiry regarding the concerns that Mr. [redacted] has expressed involving his previous loan with Great Southern Bank. The situation that Mr. [redacted] encountered with Great Southern Bank is being addressed and due to the...
confidentiality of all parties involved, we are limited to the amount of information we can provide.
With regard to the statement of threatening language used in a notice provided to the customer. This is model language provided by the Fair Credit Reporting Act, 623(a)(7) and 12 CFR §1022, Appendix B to part 1022. Great Southern Bank elects to provide notification to our customers as a precautionary measure prior to furnishing negative information to a consumer reporting agency in the event the delinquency meets the criteria to do so. Therefore the language used in our notifications is from Appendix B, Model Notice B-1 which states the following:
[redacted]NOTICE REGARDING FURNISHING OF NEGATIVE INFORMATION[redacted]
We may report information about your account to credit bureaus.
Late or missed payments, or other defaults on your account may
be reflected in your credit report.
This notice is not meant to threaten customers, but is an attempt to inform them of what potentially could occur.
In short, a majority of Mr. [redacted]'s concerns could have been avoided, if a request for a payoff was made by contacting our Loan Servicing Department.
Initial Business Response /* (1000, 9, 2015/09/24) */
Thank you for your inquiry regarding the concerns of Mr. & Mrs. [redacted] involving the release of collateral on a previous loan with Great Southern Bank. The situation that our customers encountered with Great Southern Bank has been addressed...
and resolved directly with our customers; however, due to the confidentiality of all parties involved, we are limited to the amount of information we can provide. Although Great Southern Bank did not meet their expectations entirely, we do take our customers concerns seriously and work very hard to maintain quality customer service. We regret when any error occurs and in those instances we work diligently to correct the situation to the best of our ability.
Initial Consumer Rebuttal /* (3000, 11, 2015/09/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Such a very broad and "safe" reply! "The situation that our customers encountered with Great Southern Bank has been addressed and resolved directly with our customers; however, due to the confidentiality of all parties involved..." --NOTHING HAS BEEN RESOLVED WITH US, the customers. No one from Great Southern Bank ever contacted us directly about anything!! In fact, even AFTER this complaint was submitted we still had not received the title. My husband called yet another customer service rep, and was told more inconsistencies. No one ever had the same answer twice. He even asked the Representative he talked to about notes in our account. There were none. No call log, no memos, nothing. Very unprofessional. Nearly two weeks from the date Great Southern Bank received my wired funds, we received title to the mobile home. A very far difference from the 2-3 days originally quoted to me when talking with Jason when I called to inquire about the payoff process. In order to resolve this complaint, I am asking that Great Southern Bank issue a letter, in writing, addressed to the couple who purchased the mobile home from us, apologizing for the error their company made. Further, I'd like an apology given to them for the inconveniences that they received because of the lack of truth in THE TERMS STATED FROM YOUR COMPANY; THE SAME TERMS THIS SALE WAS UNDERSTOOD TO BE. Secondly, I am asking that a formal company wide policy be implemented regarding the process and turn around time for collateral releases. Every customer service representative needs to be consistent and uniform in their answers to customers questions. The failure to have such a policy in place could risk a negative liability with the company. I am fortunate that the couple who purchased the trailer, to be moved (with dates lined up to do so), were aware that we were told incorrect information by your office. Luckily, they are understanding. Therefore, I believe a personal apology would not be too much to ask for.
Awaiting your response...
Final Business Response /* (4000, 15, 2015/10/13) */
Rebuttal Response: Revdex.com Case No. [redacted]
With regard to our customer's rebuttal to our initial response, Great Southern Bank does maintain a call log and records of all correspondence. On September 8, 2015 an Associate did reach out to the customer in efforts to resolve the matter; however unsuccessful. On September 9, 2015, it was confirmed by Mr. [redacted] that the disputed documentation was received and therefore considered all issues resolved.
Great Southern Bank has forwarded letters of apology to our customers in addition to their purchasers.
Initial Business Response /* (1000, 9, 2016/04/06) */
At Great Southern Bank, we never like to hear of a bad customer experience. In general, we do everything we can to help our customers and strive to address customer needs and help in any way that we can. Due to customer confidentiality, we...
cannot address this customer's specific situation in this forum, but always encourage open dialogue between our customers and our company. To further discuss the situation, please contact us at your earliest convenience.
Initial Consumer Rebuttal /* (3000, 11, 2016/04/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Due to being repeatedly ignored and misled over multiple phone calls, I do not have confidence that contact with the generic Deposit Services department [redacted] produce any results. Please specify who I should contact in order to correct this situation.
Final Consumer Response /* (2000, 14, 2016/04/11) */
I received a letter on April 9 from Great Southern Bank correcting the situation. No further action required.
At Great Southern Bank, we never like to hear of a bad customer experience. In general, we do everything we can to help our customers and strive to address customer needs and help in any way that we can. Due to customer confidentiality, we cannot provide details related to this...
customer’s specific situation in this forum. We have been in communication with the customer and will follow-up in writing directly to him.
Final Consumer Response /* (2000, 15, 2016/12/02) */
Thank you do much for reaching out to me. they recently did resolve it. Thank you for all your help!
[redacted]
Initial Business Response /* (1000, 5, 2017/02/28) */
At Great Southern Bank, we never like to hear of a bad customer experienceIn general, we do everything we can to help our customers and strive to address customer needs and help in any way that we canDue to customer confidentiality, we
cannot address this customer's specific situation in this forum, but have made contact with the customer directlyTo further discuss the situation, please contact us at your earliest convenience
Initial Business Response /* (1000, 5, 2016/11/10) */
At Great Southern Bank, we never like to hear of a bad customer experienceIn general, we do everything we can to help our customers and strive to address customer needs and help in any way that we canDue to customer confidentiality, we
cannot address this customer's specific situation in this forum, but always encourage open dialogue between our customers and our companyWe have made direct contact with the customer and feel a fair resolution has been reached regarding this matterIf further information is required, please contact us at your earliest convenience
Initial Business Response /* (1000, 10, 2015/09/01) */
Thank you for your inquiry regarding the concerns related to our practices involving a debt consolidation loan with Great Southern BankIt is standard practice when initializing a bill consolidation loan that we require the line of credit to
be closed, so that future purchases cannot be made to cause the customer additional debt and potential harm to their creditSeveral times throughout the loan process and review of documents, we disclose that we will be requesting the account to be closed at the time payoff is received
Initial Business Response /* (1000, 5, 2014/11/28) */
Thank you for contacting us about this misunderstandingWe make every attempt to make clear and concise disclosure of all of our program guidelinesBelow you will find the disclosure previously used in the Skip Payment Program at Great
Southern BankThe fact that interest would continue to accrue on the unpaid balance was consistently disclosed to customersDue to privacy restrictions, details of customer accounts cannot be discussed in this reply
*By participating in the Great Southern Bank Skip Payment Program you are making application to extend the original repayment terms of the loan referenced above by one monthThis extension in no way otherwise alters the original terms and conditions of the loan as previously disclosed to youInterest will continue to accrue on the unpaid balance of the loan at the agreed rateYou further agree and understand that: (1) all signers of the loan must agree to the Skip Payment Program and sign this certificate; (2) finance charges will continue to accrue at the rate provided in your loan agreement during and after this time; (3) deferring your payment will result in having to pay higher total finance charges than if you made your payment as originally scheduled; (4) the payment deferral will extend the term of your loan and you will have to make extra payments(s) after your loan would otherwise be paid off; (5) you will be required to resume your payments the following month; (6) if we are unable to stop your ACH payment in time, your skipped payment may be delayed until the next scheduled paymentOnly one skip payment coupon may be used annuallyCertain restrictions apply
Great Southern Bank does assess all of its programs on a regular basis and customer feedback is an important part of that evaluationTo discuss loan details, customers can call our Loan Servicing Department at XXX-XXX-XXXX
Initial Consumer Rebuttal /* (3000, 7, 2014/12/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Yes in no way is it altered but read on and see how its altered.im saying I was not gave any statement at any time since the first skip payment I done in If I recieved a statement with a dollar amount you can be asured I would have paid that and I would never done it againBut as a scam they do not want you to know a dollar amount until regular payments are doneIn my case almost years later.what is not crooked about that? They sent me a new payment book with the makeup payments and they are the same amount I been payingNo mention of the intrest they are going to
charge maybe in a ballon payment at the end of the makeup payment.it dont say that in their every effort to disclose guidlines.they told me they have done away with the skip a payment because of too many customer complaintsThats a step in right direction but im still being victimized by fraudulant means.they dont to discuss my account because the amount of intrest they are charging in actually double what the rest of my payments are and thats as of now not in august last regular payment is due.the only way I found
Out was by inquiring about payoff No way was they going to tell me amount until last payment was made
Initial Business Response /* (1000, 9, 2015/01/13) */
Thank you for the inquiry regarding Mrs. Wray's concerns with her title documents.
Great Southern Bank has conducted an extensive review regarding the situation and has identified that this was a unique scenario and, unfortunately, ...
miscommunication had occurred between the multiple agencies involved.
Given the public nature of our response, details of our customer's account cannot be disclosed due to privacy requirements; however, Great Southern Bank has maintained open lines of communication with Mrs. Wray and to our knowledge have satisfied her concerns.
If there are any further questions, please feel free to contact me.
Initial Consumer Rebuttal /* (3000, 11, 2015/01/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They did not satisfied my concerns, When I received the title it was a voided no good title. Which means still here, husband missing work, and my mother in law still very ill and we are still here. No not satisfied just coming to terms with big business and the ethics behind them. How easy it is for them to do harm to us while we sit and pay for your MISTAKE. NO NOT SATIFIED
Final Business Response /* (4000, 16, 2015/01/26) */
[redacted] as we discussed, my response is, it appears that we are at an impasse and I have directed Mr. Wray to please have his attorney contact me.
Final Consumer Response /* (4200, 18, 2015/01/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This company is a joke and a waste of time and plan to contact the news about how they are the meaning of bad business. We have stopped 2 people from getting loans from this company and plan to spread the word. They are bad business and corporation. They are lazy workers and should be stopped. This issue will be resolved and taken to small claims no attorney needed when I have enough prof and evidence of there neglect, and fraud
Initial Business Response /* (1000, 5, 2015/11/13) */
Great Southern Bank has thoroughly reviewed Mr. [redacted]'s concerns and addressed them accordingly. Due to the confidentiality of all parties involved, we are limited to the amount of information we can provide.
Initial Consumer Rebuttal...
/* (3000, 7, 2015/11/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It doesn't tell me anything other than they have reviewed it
Final Business Response /* (4000, 9, 2015/11/23) */
Great Southern Bank has contacted Mr. [redacted] directly to discuss this matter. Due to the confidentiality of all parties involved, we are unable to provide more detailed information.
Initial Business Response /* (1000, 5, 2017/05/16) */
At Great Southern Bank, we never like to hear of a bad customer experience. In general, we do everything we can to help our customers and strive to address customer needs and help in any way that we can. Due to customer confidentiality, we...
cannot address this customer's specific situation in this forum, but always encourage open dialogue between our customers and our company. To further discuss the situation, please contact our Deposit Services Department [redacted] at your earliest convenience.
Initial Business Response /* (1000, 8, 2017/04/04) */
At Great Southern Bank, we never like to hear of a bad customer experience. In general, we do everything we can to help our customers and strive to address customer needs and help in any way that we can. We always encourage open dialogue between...
our customers and our company, however, in this customer's specific situation a dispute must be filed with the card issuer.
Initial Consumer Rebuttal /* (3000, 15, 2017/04/19) */
see attached pdf
Final Business Response /* (4000, 20, 2017/05/04) */
As stated in the original response, the issuer of the card must be contacted in order to process the dispute even though the ATM used in the transaction was owned by another institution. Should you have additional questions or concerns please contact Great Southern's Chief Operating Officer, [redacted], for further clarification.
Initial Business Response /* (1000, 5, 2014/11/07) */
Thank you for the inquiry regarding Ms. [redacted]'s concerns that she received an unsolited debit card.
When a potential breach occurs, we receive an alert of Account Data Compromise from [redacted] and our Software provider. The notification...
contains information such as the risk time period, event description, and a list of cards that are potentially compromised. Unfortunately, we are not provided the name of the merchant.
In an effort to prevent loss to our customer's, we reissue the cards that are affected by the breach. Our standard practice is to allow 30 days to activate the new card. The compromised card will shut down at the 30 day mark or at the time of the new card's activation.
This was not a situation where the claim of an unsolictied debit card is valid. Great Southern Bank was acting upon the potential breach alert to protect our customer(s) from a potential loss.
If further information is required, please feel free to contact me.
Initial Consumer Rebuttal /* (3000, 7, 2014/11/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The fact is GSB has still not provided me with any written communication about the potential breach. I was told by customer service that a letter was sent out but it has never been received.
Although I do appreciate the fact they were being proactive to protect my account, this would have been best done by notifying me of this information prior to receiving an unsolicited new debit card.
It is this lack of communication that makes me feel that my interests were not being protected.
Final Business Response /* (4000, 16, 2014/11/20) */
With response to Ms. [redacted]'s rebuttal of our initial response, a notice dated 10/23/14 was mailed informing her of the potential compromise. Our notice stated that the merchant name was not provided to Great Southern due to an investigation that is in process.
Although we cannot account for why Ms. [redacted] did not receive the notice as stated in her rebuttal,
Great Southern Bank will forward a copy of the notice to Ms. [redacted], so that she may have it for her records.
Great Southern Bank has the best intentions to protect our customers information. We value our relationship with Ms. [redacted] and her dedication to our organization.
Initial Business Response /* (1000, 9, 2016/04/29) */
At Great Southern Bank, we never like to hear of a bad customer experience. In general, we do everything we can to help our customers and strive to address customer needs and help in any way that we can. Due to customer confidentiality, we...
cannot address this customer's specific situation in this forum, but always encourage open dialogue between our customers and our company. The appropriate personnel has initiated direct contact with the customer to resolve this matter.
Initial Consumer Rebuttal /* (3000, 11, 2016/05/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I received a letter that my account has been closed, however there was no apologies or any explanation as to why I could not have my account fees reduced to a fair amount or notification that my other requests were being handled, processed or completed. I want to know if the specified location was at least aware and a recommendation for training has be suggested.
Final Consumer Response /* (4200, 21, 2016/05/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Still I was not given the answers that I have asked for in the previous post. I [redacted] not accept until at least one of my requests are handled.
Final Business Response /* (4000, 18, 2016/05/11) */
As always, Great Southern Bank appreciates customer feedback. In regard to Mr. [redacted]'s concerns, all internal policies and procedures were adhered to. Great Southern considers this matter resolved.
Initial Business Response /* (1000, 5, 2015/11/12) */
Great Southern Bank has policies and procedures in place that meet the requirements set forth by credit bureau reporting guidelines. After review of this file it was determined that those policies and procedures were adhered to.
Initial...
Consumer Rebuttal /* (3000, 7, 2015/11/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Great Southern has legal excuses to ruin my credit, which it will lean on since it has no moral explanation. A lazy indifference to causing its clients harm is the actual case. Hopefully others will avoid this reptilian company and seek their loans elsewhere.
Final Business Response /* (4000, 9, 2015/11/23) */
Great Southern Bank has performed a detailed review of Mr. [redacted]'s, account in addition to speaking with Mr. [redacted] personally. As stated in the initial response, all policies and procedures were complied with which meet the credit bureau reporting guidelines. Due to the confidentiality of all parties involved, we are unable to provide more specific information.
Final Consumer Response /* (4200, 11, 2015/11/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Great Southern has trashed my credit by claiming I defaulted on my loan - a loan that is still active and I have never missed a payment on. It hides behind legalities and cares nothing about its customers.
Initial Business Response /* (1000, 10, 2015/04/24) */
Thank you for your inquiry regarding the concerns that Mr. [redacted] has expressed involving his previous loan with Great Southern Bank. The situation that Mr. [redacted] encountered with Great Southern Bank is being addressed and due to the...
confidentiality of all parties involved, we are limited to the amount of information we can provide.
With regard to the statement of threatening language used in a notice provided to the customer. This is model language provided by the Fair Credit Reporting Act, 623(a)(7) and 12 CFR §1022, Appendix B to part 1022. Great Southern Bank elects to provide notification to our customers as a precautionary measure prior to furnishing negative information to a consumer reporting agency in the event the delinquency meets the criteria to do so. Therefore the language used in our notifications is from Appendix B, Model Notice B-1 which states the following:
[redacted]NOTICE REGARDING FURNISHING OF NEGATIVE INFORMATION[redacted]
We may report information about your account to credit bureaus.
Late or missed payments, or other defaults on your account may
be reflected in your credit report.
This notice is not meant to threaten customers, but is an attempt to inform them of what potentially could occur.
In short, a majority of Mr. [redacted]'s concerns could have been avoided, if a request for a payoff was made by contacting our Loan Servicing Department.
Initial Business Response /* (1000, 9, 2015/09/24) */
Thank you for your inquiry regarding the concerns of Mr. & Mrs. [redacted] involving the release of collateral on a previous loan with Great Southern Bank. The situation that our customers encountered with Great Southern Bank has been addressed...
and resolved directly with our customers; however, due to the confidentiality of all parties involved, we are limited to the amount of information we can provide. Although Great Southern Bank did not meet their expectations entirely, we do take our customers concerns seriously and work very hard to maintain quality customer service. We regret when any error occurs and in those instances we work diligently to correct the situation to the best of our ability.
Initial Consumer Rebuttal /* (3000, 11, 2015/09/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Such a very broad and "safe" reply! "The situation that our customers encountered with Great Southern Bank has been addressed and resolved directly with our customers; however, due to the confidentiality of all parties involved..." --NOTHING HAS BEEN RESOLVED WITH US, the customers. No one from Great Southern Bank ever contacted us directly about anything!! In fact, even AFTER this complaint was submitted we still had not received the title. My husband called yet another customer service rep, and was told more inconsistencies. No one ever had the same answer twice. He even asked the Representative he talked to about notes in our account. There were none. No call log, no memos, nothing. Very unprofessional. Nearly two weeks from the date Great Southern Bank received my wired funds, we received title to the mobile home. A very far difference from the 2-3 days originally quoted to me when talking with Jason when I called to inquire about the payoff process. In order to resolve this complaint, I am asking that Great Southern Bank issue a letter, in writing, addressed to the couple who purchased the mobile home from us, apologizing for the error their company made. Further, I'd like an apology given to them for the inconveniences that they received because of the lack of truth in THE TERMS STATED FROM YOUR COMPANY; THE SAME TERMS THIS SALE WAS UNDERSTOOD TO BE. Secondly, I am asking that a formal company wide policy be implemented regarding the process and turn around time for collateral releases. Every customer service representative needs to be consistent and uniform in their answers to customers questions. The failure to have such a policy in place could risk a negative liability with the company. I am fortunate that the couple who purchased the trailer, to be moved (with dates lined up to do so), were aware that we were told incorrect information by your office. Luckily, they are understanding. Therefore, I believe a personal apology would not be too much to ask for.
Awaiting your response...
Final Business Response /* (4000, 15, 2015/10/13) */
Rebuttal Response: Revdex.com Case No. [redacted]
With regard to our customer's rebuttal to our initial response, Great Southern Bank does maintain a call log and records of all correspondence. On September 8, 2015 an Associate did reach out to the customer in efforts to resolve the matter; however unsuccessful. On September 9, 2015, it was confirmed by Mr. [redacted] that the disputed documentation was received and therefore considered all issues resolved.
Great Southern Bank has forwarded letters of apology to our customers in addition to their purchasers.
Initial Business Response /* (1000, 9, 2016/04/06) */
At Great Southern Bank, we never like to hear of a bad customer experience. In general, we do everything we can to help our customers and strive to address customer needs and help in any way that we can. Due to customer confidentiality, we...
cannot address this customer's specific situation in this forum, but always encourage open dialogue between our customers and our company. To further discuss the situation, please contact us at your earliest convenience.
Initial Consumer Rebuttal /* (3000, 11, 2016/04/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Due to being repeatedly ignored and misled over multiple phone calls, I do not have confidence that contact with the generic Deposit Services department [redacted] produce any results. Please specify who I should contact in order to correct this situation.
Final Consumer Response /* (2000, 14, 2016/04/11) */
I received a letter on April 9 from Great Southern Bank correcting the situation. No further action required.
At Great Southern Bank, we never like to hear of a bad customer experience. In general, we do everything we can to help our customers and strive to address customer needs and help in any way that we can. Due to customer confidentiality, we cannot provide details related to this...
customer’s specific situation in this forum. We have been in communication with the customer and will follow-up in writing directly to him.
Final Consumer Response /* (2000, 15, 2016/12/02) */
Thank you do much for reaching out to me. they recently did resolve it. Thank you for all your help!
[redacted]