Crescent Bank & Trust

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11191931, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why...

you are not satisfied with this resolution.] I have no money order stubs for November and december 2015 car payment.  Car is still at the body shop as of yesterday Monday March 28th 2016 I got pictures of it. It is sitting out in front of the body shop. My insurance company's adjuster wrote the car up totaled last Friday March 25th 2016 so the car will paid in full by grange  insurance 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10536577, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
I spoke with a woman named [redacted] who informed me there would be no arrears due upon receipt of payment from insurance company.  When I requested her to put that in writing she informed me to wait until check cleared.  Now your're stating per Crescent Bank I still owe monies on this transaction.  This is one of the reasons I originally contacted your office.  They are requesting an additional $5000+ be paid. That is unacceptable the sticker price on the car was only $12,000.  Crescent informed me I would be liable for no additional monies due on my hehalf. I received this call on March 6, 2015 @ approximately 6pm from [redacted] said no one would be contacting me for further payment as well.  She was taking over the account. This is defintitely a nightmare I don't wish on anyone. I will not accept these extortion tactics from Crescent Bank.  As I previously stated they were still contacting me for car note payments.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. Crescent Bank CAN NOT and will not be allowed to decide to change the language of this contract which they extended. My lawyer has read our copy of the contract and we will be taken legal action for breach of contract versus Crescent Bank. In addition we will be charging [redacted] with harassment for uncalled for use of a system. Calling multiple days 20 plus times in 5 minute increments. They will be contacted by our lawyer after the first of the year. This is not a way to conduct business. You CAN NOT and will not be allowed to try to change the language of a contract to benefit the bank. Where is your Consideration? Crescent put up no such Consideration as the money put up was not there. Modern Money Mechanics, aka the banking bible states this..."What they do when making loans is accept promissory notes in exchange for credits. Banks reserves are UNCHANGED by loans transactions. But the deposit credits constitute new additions to the banking system. So I dare you Crescent bank to show me your loss of reserves when you extended a loan you put no money on the line. I am not some ignorant hack you helped out. Most of my credit issues state [redacted] on my credit report. That is my father, not me. I am well educated and do indeed hold enough information about the banking system to have you return all funds toward the purchase of said asset. In closing Dear Crescent Bank and Trust, [redacted], and [redacted], only God can create something out of nothing.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me as this has been removed from my credit report.
Regards,
 
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11151074, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Per the FCRA you should be reporting all information correct and up to date.  This account is not open.  Furthermore you have not provided copies of items signed by me to your company nor anything showing the sale of the car.  Per FCRA you should be reporting this as closed the payments were NEVER late up until you lied about refinancing the car.  Please report correctly,  send copies of documents signed or remove from my credit ASAP.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11519365, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
As we all know, the primary, my son, lives with me. He
allowed me to view his cellphone history and in the time period mentioned, he
has not received one phone call from them. In fact, during the entire life of
the loan to date, he has never received a call.
During the same period, I have received way more than 7
phone calls from them. In fact, there have been at least 5 to 7 on average per
month.  They are either telling a complete and blatant lie; their records
are screwed up to the point where they have the wrong number listed for him.
The wrong number thing is hard to believe since he has had the same number
since before he bought the car for which the loan is for and has called them a
few times from his phone. SO as I see it, something is wrong on their end which
needs to be corrected. It was never my intention to be put on a no call list.
In fact, I would want to be called as a last resort if my son for some reason
has not made his payment. What I do not want is this company to lie to me about
the number of calls made to me. 
In addition to what I have stated before, I want for them
to contact me via email at [redacted] or I may be called at the
number they have listed for me but after 12:00 noon EDT as I work the night
shift. It is my belief that they have the wrong number for my son. I would like
to know what number they have listed for him. I also want a formal apology from
them with regards to this matter. They have not conducted themselves in a
professional manner nor have they even tried to insure they have the correct
numbers for all on the account.
Regards,
[redacted]

March 18, 2015
 
Revdex.com
 
Re:   [redacted]
               
 
I am in receipt of Ms. [redacted]’s
complaint regarding her account with...

Crescent Bank (Crescent).  Crescent received the check to pay off the
account on 3/3/2015.  Before a title or
overpayment check can be sent we must wait for the check to clear the
bank.  The title and overpayment check
were sent 3/17/2015.
 
Sincerely,
Compliance Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10536577, and find that this resolution is satisfactory to me. 
Regards,
 
[redacted]

March 11, 2016 Revdex.com Re: Case # 11151074 [redacted] Crescent Bank (Crescent) is in receipt of [redacted]’ rejection of our answer to her original complaint regarding an account with Crescent. A copy of the contract, assignment and payment history was sent to Ms. [redacted] on 3/2/2016. The account is not closed; it is an open valid debt. Our records indicate the account is reporting complete and accurate information to the credit reporting agencies. Sincerely,Compliance Department

March 10, 2015
 
Revdex.com
 
Re:   [redacted]
               
To Whom It May Concern:
 
I am in receipt of MMs. [redacted]’s complaint regarding...

her
account with Crescent Bank (Crescent).  On
or about August 13, 2014, Crescent Bank became aware that I Ride Auto, a Texas
independent auto dealership, had gone out of business and failed to pay off a
number of floor plan lenders who held titles associated with contracts sold to
Crescent Bank by I Ride Auto.   Ms. [redacted] was one of Crescent Bank’s
customer whose title was withheld by the floorplan lender,[redacted].   Crescent Bank would later discover from the Texas
Department of Motor Vehicles, that I Ride Auto had done the same for hundreds
of accounts sold to other lenders.  While Crescent Bank worked to retrieve
the title from [redacted], it secured three subsequent temporary tags
from the Texas DMV to ensure Ms. [redacted] could legally drive her vehicle (until
the Texas DMV no longer allowed any more temporary tags).  After some
timely back and forth from [redacted], the floorplan lender finally
agreed to  remit the original title once Ms. [redacted] had signed an
affidavit, stating that she had purchased her vehicle in good faith.
  After providing the affidavit to [redacted], Crescent Bank
received the title in early February and immediately submitted it to the Texas
DMV for registration; however, the Texas DMV did not issue Ms. [redacted]’s title
until March 3, 2015 and did not issue her tag until March 9, 2015. 
Crescent Bank has been in communication with an attorney representing Ms.
[redacted] and are working toward a resolution.
 
Sincerely,
 
[redacted]
Compliance Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10558589, and find that this resolution is satisfactory to me. 
Regards,
 
[redacted]

P.O. Box 60048 New Orleans, LA 70161(757) 549-7643 or (866) 807-2039Fax (866) 807-2087November 19, 2015Revdex.com Complaint: [redacted]I am in receipt of [redacted] complaint regarding his account with Crescent Bank (Crescent).  Our records indicate no one from Crescent has...

spoken with Mr. [redacted] or the co-signer on the loan since 6/24/2015.  Crescent tries to work with our customers when they have financial difficulties.  We tried to contact Mr. [redacted] and the co-signer many times over the past 5 months but messages we left were not returned.  The account is now 3 months past due.  If Mr. [redacted] calls our office a representative will review the account to determine what we may be able to do to help him. Sincerely,Compliance Department

March
24, 2015
 
Revdex.com
Complaint # [redacted]
 
 
Crescent
Bank (Crescent) has received the complaint filed by Ms. [redacted] concerning her
account with Crescent.   I apologize if
Ms. [redacted] was given misleading information. 
The balance on the account of $4,866.79, which is the balance after the
insurance check has been posted, has been forgiven.  Ms. [redacted] 'account has been paid in full.  
 
Sincerely,
Compliance
Department

P.O. Box 60048 New Orleans, LA 70161 ###-###-#### or ###-###-#### Fax ###-###-#### March 18, 2016 Revdex.com Complaint: 11195907, [redacted]                 I am in receipt of [redacted]’ complaint regarding an account...

with Crescent Bank (Crescent).  The contract is based on the simple interest method of calculating interest. The amount of $5.22 that was quoted to Ms. [redacted] was the per diem interest rate, not a late charge. Late charges are assessed according to the provision in the contract.  Crescent’s policy is to not allow a payment date change if the contract allowed for 45 days from the contract date to the first payment date. Independent Dealers Advantage, LLC (IDA) was the original owner of the contract. It was later assigned to Crescent.  A copy of the contract, assignment and payment history will be sent to Ms. [redacted]. Sincerely, Compliance Department

December
16, 2014
 
RevDex.com
 
Revdex.com Complaint #[redacted]        
 
 
I
am in receipt of Mr. [redacted]’s complaint regarding his account with Crescent Bank (Crescent).
[redacted] and...

[redacted] signed a contract for the purchase of a 2008
Chevrolet Equinox on 3/1/2014.  The
contract states payments of $509.78 will be made by the 15th day of
each month until paid in full.  We were
willing to work with Mr. and Mrs. [redacted] but they did not make payments as
promised and did not return phone calls. 
The contract states if there is a default in the contract Crescent has
to right to repossess the vehicle.  The
account is now past due for 3 payments.
 
 
Sincerely,
Compliance
Department

P.O. Box 60048 New Orleans, LA 70161 ###-###-#### or ###-###-#### Fax ###-###-#### April 1, 2016 Revdex.com Complaint: 11191931, [redacted]                 I am in receipt of [redacted]’ rejection of our response to his complaint.  We have been in touch with his insurance company.  They have advised us the value of the vehicle is $12,499.00 but since they already paid Mr. [redacted] $8,404.48 and after the deductible of $500, Crescent will get a check in the amount of $3,594.52.  Mr. [redacted] also has a GAP policy.  Mr. [redacted] will be responsible for any amount remaining after the insurance and GAP payments are posted. Sincerely, Compliance Department

Review: Complaint re my auto loan with Crescent BankIn March, my banking information was stolen and still working to resolve issues. This caused my payment to become one month late. At first,my loan rep was great, I expained the issues and my payments had been current and regular to this point. Payments were taken automatic. In May I was still having issues getting my soc security direct deposit to the new bank account. On 5/20 my rep said we can set up differed payment. She would fills to be ax info to my local grocery store, I would fax back and once they draft a payment on 5/30 the differed payment would be processed. I told her I would fax signed document on 5/21/14. I told her the ID mess has caused all my bbehind including my phone. I said if she didnt get fax to call me but if my phone would be off, contact my daughter and furnished her number. Rep would only call if she didn't get signed documents. The payment was made on 5/30 and I refaxed the document, as I remember her saying could process until payment was made. (faxed on 5/21 and again between 6/1 &6/3) On 7/7/14 my car was repossessed. My record shows I only owed 1 pmt of 292.00. I was told to pay 972.00 and tow fees. I was told they never sent agreement, then told I didnt fax it. I sent letter with their orginal (5/20 and my signed copy dated 5/21). Their response was " we kept calling you but you never called us back" They also have my email& home address. They could have tried either. I told them I would contact consumer affairs of LA. Then my car was moved from to lot to auction within days of stating to report them. PA law states 15 day notice via cert mail prior to auction. last Fri I was told it to b auctioned on Tues (5day)and to borrow money from family. Told them I still want car but social securty deposit on 3rd. Told they cant hold car & will sell it. Now I will have to spend more time & money on lawyer, and be without transportation till ?????Desired Settlement: Adjust my account by applying the differed payment, I will pay the 292.00 payment owed at time car was taken. I would also request all fees assoc with repo be waived. Since I have incurred inconvience and expense I would also like Julys payment waived since car taken on 7/7/14. My credit report will also need corrected. They also need to keep car from being sold untill this is resolved. Thank you

Business

Response:

July

25, 2014

Review: I GOT BEHIND ON MY CAR PAYMENT. I LOST MY SECOND JOB AND I WAS TRYING TO MAKE A PARTIAL PAYMENT COMPANY WOULD NOT WORK WITH ME. THEY TOLD ME THAT I WAS 40 DAYS BEHIND(TRUE). THE COMPANY ISSUED A REPO ORDER. I FOUND OUT THAT I COULD GET THE MONEY OUT OF MY 401K PLAN BUT I NEEDED DOCUMENTATION FROM THE BANK. I CALLED SVERAL TIMES AND EVEN SPOKE WITH A MANAGER AND I WAS TOLD VERY NASTILY THAT IT WAS MY PROBLEM AND THEY COULD NOT ASSIST ME. I EXPLAINED TO THEM THAT I KNOW I WAS BEHIND AND KNOW THAT I OWED THE PAYMENT BUT I COULD PAY IN FULL BUT I NEEDED SOMETHING IN WRITING TO SUBMIT. THE REPS TOLD ME THAT IT WAS AGAINST THE LAW TO SEND A LETTER OF DEMAND ABOUT THE REPOING OF MY CAR. THEY TOLD ME THAT IT WAS NOT REQUIRED BY LAW TO ISSUE SUCH A LETTER OR STATMENT. AGAIN I TOLD THEM THAT I CAN PAY ALL JUST GIVE ME A STATEMENT OR LETTER. THEY REFUSED EACH TIME. I WANT TO KNOW WHAT LAW GIVES THEM THE RIGHT TO NOT SEND A LETTER OF REPOING A VEHICLE AND ALSO REFUSING TO ATLEAST EMAIL OR MAIL ME A STATEMENT THAT IT IS UNPAID. THEY TOLD ME THAT I DIDNT NEED A LETTER TELLING ME THAT I OWED THEM MONEY, TOLD ME THAT YOU OWE THE MONEY JUST PAY IT AND TOLD ME THAT I NEEDED TO LEARN HOW TO MANAGE MY MONEY AND NOT DEPEND ON A 2ND JOB TO PAY MY BILLS.Desired Settlement: I WANT THEM TO SEND OR EMAIL ME A STATEMENT AS TO HOW MUCH I OWE AND THAT THE CAR PAYM,ENT IS PAST DUE AND SUBJECT TO REPO INORDER FOR ME TO GET THE MONEY TO PAY THEM. THEY ARE UNWILLING TO BUDGE OR ASSIST ME. IT SEEMS LIKE THEY WANT ME TO NOT PAY FOR CAR AND THEN REPO IT AND STILL MAKE ME PAY FOR VEHICLE. THEY ARE BEING UNREASONABLE AND UNCOOPERATIVE. I JUST NEED WRITTEN PROOF IN ORDER TO GET THE MONEY TO PAY THEM.

Business

Response:

May

1, 2014

Review: I have a car loan with and I scheduled a payment with them because I lived on a fixed income there is no such thing as on next paycheck. So they decided to take it early and over draft my account. so then I Stated don't take it I live off of only so much I will mail you something. so by Monday they over drafted me again. They are cutthroat then I call and supposedly all of a sudden the recorded conversation of that day was never recorded if you have a choice to loan somewhere else I would because they are not worth your time.Desired Settlement: I would like for them to get better at putting a customer first and to not be cutthroat and tell there employees that someone on a fixed income who is injured for defending there hides deserves more consideration then what they give. I am reversing the funds they took because I already have a money order and I don't want to be charged extra for it and for them to erase all bank info they have on me.

Business

Response:

Review: My car note is due on the 27th of every month. An official bank check was received by CB & T early December 2013 (the check was sent out on 11/25/13). I started receiving calls from CB & T on 12/2 or 12/3 stating the bank rejected their OFFICIAL check. I sent my bank statement to them 3 or 4 times per their request and my bank also faxed over documentation, twice, showing the check was cashed by CB & T. This has been on an ongoing issue since December and it is still not resolved. I have spoken to my account manager, her supervisor and also her supervisor. My payments are now behind and derogatory notices have been sent to the credit bureau's. I recieved two phone calls from my account manager in January 2014 stating this is being worked on and she is constantly following up. Today, 2/11/14, I received a call from a lady whom I never spoke with before and she stated she is working with my account manager and it looks like no one is working on my file and it looks like nothing further is going to happen. I tried to get the number to the office of the president through 4 or 5 different representatives and I kept getting the run around. This is ridiculous and needs to be resolved.Desired Settlement: I would like for them to find where my $300.00 is and apply it to my account. I then need the late fee's for all of these months waived and I need the derogatory notices to the credit bureau's cleared.

Business

Response:

February

17, 2014