North Shore Bank, FSB

Review: I used the ATM at this bank, it withdrew the money from my account but never dispensed the cash. The bank took $600 of my money and would not do anything to help me after the ATM did not dispense it. They told me the ATM had been acting up. So they knew they was a problem but continued to allow people to use it, then provide no help to resolve when the money is taking out of someone's account.Desired Settlement: I would like the $600 credited back to my account as well as an apology from the company for how rude and unhelpful they are. It was their mess up and they would not help to resolve it. If they knew the ATM was not functioning correctly they should have shut it down prior to me using it.

Business

Response:

A voicemail has been left for [redacted] requesting further information regarding ATM location and time of the transaction but [redacted] has not called back. We are assuming that [redacted] account (which is not a North Shore Bank account) has been refunded the $600.

Review: I noticed that a large amount of money was used fraud gently from my checking account with North Shore Bank. I immediately contacted the phone number on my bank statement to find out what had happened. Apparently, someone paid off a loan with Speedy Cash in KS using our debit card number. I filed a claim with Speedy Cash who then in turn advised that I contact my bank and also local law enforcement, which I did immediately and filed a report. I called my bank (North Shore) to report the fraud. The person I spoke to sounded as if she really didn't care. She took my info and told me that we would receive paperwork in a few days. We needed to fill it out and return to their corporate office. At that time, she said that the amount taken from my account would be temporarily replaced in my account.

We received and filled out the paperwork, faxed it in and 1 day later were told via mail, that the bank would NOT be replacing the amount that someone had stolen from our account, that this was a recurring event. We have never used a Speedy Loan place in any state, nor do we need to.

I then proceeded to contact the person's who's number was the one to make the decision. I probably left at least 6-7 messages. None of them were returned.

I then proceeded to my bank branch where I did all of my banking. They did not understand the letter either and tried to get in touch with the same person I did with no luck. Apparently they were able to speak to someone else who told them that the bank would not be covering the fraud with no further information given.

This is ridiculous. This money was stolen from my account and I want the bank to reimburse me for the amount. I believe that a thorough check into this was not done.Desired Settlement: Return of fraudulent funds from my account. The bank should be protecting their customers.

Business

Response:

That is correct , the bank declined this transaction for reimbursement based on that it came through as a recurring charge on this customers account. We contacted Speedy Cash on 02/16/16 they informed us that that the bank could not obtain information on the customer’s account and to have the customer contact Speedy Cash directly and they would open a case at that point. A letter was sent to the customer on February 16, 201, stating that this charge was not disputable because it was coded as a recurring transaction and they should work with Speedy Cash directly. As of March 17, 2015 the customer closed their account with North Shore Bank.

Consumer

Response:

Review: I CALLED CUSTOMER SERVICE TO SEE IF I COULD PUT A DIFFERENT NAME ON MY DEBIT CARD. CUSTOMER SERVICE TOLD ME I WOULD HAVE TO GO INTO THE BANK TO DO ANOTHER SIGNATURE THING. I WENT INTO THE BAYSHORE OFFICE AND HAVE A TELLER HELP ME DO IT. EVEN THE MANAGER OF THAT OFFICE HELP ME. I HAD TO SIGN A BUNCH OF PAPERS TO DO IT. THE TELLER FAX THEM INTO THE MAIN OFFICE. I WAITED A COUPLE DAYS TO ORDER A NEW ONE WITH THE NEW ONE. THE TELLER TOLD ME THEY HAD TO USE MY OFFICIAL NAME THATS ON MY DRIVERS LICENSE. CUSTOMER LIED TO ME WHICH I DONT LIKE. THEY NEED TO TELL THEIR CUSTOMERS THE RIGHT ANSWER AND NOT LIE TO THEM. I KNOW [redacted] FROM CUSTOMER SERVICE. I DONT LIKE IT WHEN CUSTOMER SERVICE LIE TO ME. THANKS JIMDesired Settlement: I WOULD LIKE MY DEBIT CARD FROM NORTH SHORE BANK SAY [redacted]. IT SAYS [redacted] WHICH I DONT LIKE. THEY DID IT ONCE BEFORE.

Business

Response:

We have worked things out with the customer and they are getting a new card.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I got the new card with [redacted] on it.

Review: North Shore Bank holds the loan on my RV. Under IRS code, my RV qualifies as a 2nd home, and the interest is tax deductible. The Bank has handled my loan since purchase in 2012. Per IRS code the financial institution holding a loan on a property that qualifies as a home must provide a form 1098 for tax purposes. I have never received a 1098 from this bank. The last 2 years I have called and spoken to Alex who told me he would get the form sent out, yet it has never been sent.Desired Settlement: I would like the proper tax forms to be provided by this loan holder.

Business

Response:

The 1098 form has been mailed to the customer.

Consumer

Response:

My mother is disabled and homebound. She has bonds made out to her or me. North Shore Bank said she cannot cash the bonds unless she comes into the bank, which she cannot do. I said I would come in to the bank; North Shore Bank said they cannot cash the bonds for me as I am not a customer nor have power of attorney. (I live in Las Vegas and have a different bank.) They would NOT work with her to cash the bond and deposit it straight into her account. Instead, she has to call the IRS, or give me secondary POA, or I need to take them to my out-of-state bank and then mail her the check. Very unhelpful.

Review: I opened an account about 2 months ago. Just recently I recieved two over draft fees. I called and spoke with a representative, who was very rude. She offered to waive just one fee (which never happened), and advised me that I had been recieving an additional $5 fee per day that this account has been over drafted. I then wanted to pay it of and close the account. She then threatened to charge me a $40 fee because I have not had the account for 180 days. Plain and simple this is NOT ok to do to people. The two transactions in question posted a whole week after the day that they were done. There is no reason why it should take two debit card transactions a week to post. Furthermore, the North Shore Bank app that I have on my phone does not update real time. Neither does the website. This makes it very difficult to maintain funds. How is that fair to the consumer?Desired Settlement: I woul like all of those fees refunded. This situation would be totally understanable if this bank had accurate software. I have two other accounts and I have never had a problem with debit card transactions.

Business

Response:

A representative from the bank talked with Ms. [redacted] on December 16 to explain that the transactions in question were authorized on November 29 and then posted on December 2 to her account, and explained that the bank does not control when the transactions are posted to the customer’s account. We also informed her as to why the account was charged fees. Our representative did apologize for the rudeness Ms. [redacted] experienced and asked if she wanted to retain the account. Our representative believes Ms. [redacted] is clear on the fee structure and how her account is set up. Our representative also offered their assistance in the future to Ms. [redacted] if she has any questions or concerns regarding her account.

Review: We currently have our camper loan with North Shore and have for 7 1/2 years. Due to financial issues, we unfortunately had to file bankruptcy which was completed in 2011. We recently were looking at new campers thinking of trading our in for a newer one and found that a couple of dealerships we were looking through went through North Shore for financing. With that, I'd originally emailed North Shore on to see what their current interest rates were and what we currently had for a rate. They responded the same day. I then emailed them to see if our bankruptcy would be an issue with obtaining financing through them again if we did go forward with looking at new campers. their exact response was : North Shore Bank responded on August 1, 2013 at 11:15 AM as follows:

"I really can't give you a solid answer without seeing your current info. I suggest giving [redacted] an application so we can look at it. It will only take you 10 min to fill out and you will have an answer the same day." With that, I was encouraged that there was a probable chance of being able to go through the dealerships we were looking at campers through AND that getting another loan with North Shore probably shouldn't be an issue, esp. since we've been told our credit looks surprisingly really good considering the bankruptcy as we've refinanced our home since the bankruptcy getting a lower interest rate, term AND payment; bought a newer truck; and got a loan for a Harley. We thought with all of this there would be no issues. I'd finally decided to apply through [redacted] RV in Menomonie Falls prior to going over to see campers and North Shore declined our application because of our bankruptcy. I called North Shore today to see why and to reaffirm this and yes, I was told it was because of our bankruptcy and they won't loan ANY money unless a bankruptcy is at LEAST 5 years old!! That is NOT what the person who responded to my email stated. They made it sound more like it would depend on our credit. We weren't even asked how old our bankruptcy was or that "if your bankruptcy happened within the past 5 years, we would not be able to help you".....In the meantime, they did a credit check which can affect and hurt our credit score AND put us through the embarrassment of going through the application, etc and having Gary at [redacted] now know we were denied credit AND why which we don't tell too many people about!! If the person who'd emailed me had told me this about their bankruptcy strictness, I NEVER would have wasted my time applying. Now our score is affected BY them pulling our credit bureau when we've worked so hard the past 2 years to build it back up so our scores are actually better now (or WERE) prior to our bankruptcy!!!Desired Settlement: I know that us working so hard to reestablish our credit that this has now set us back some again. To me this is worth some compensation as it's troubling that a bank we've been with for over 7 years with our current loan that we've NEVER been late or missed a payment with AND are even ahead on the payments would do something like this for one; not be up front with us when plainly asked if our bankruptcy would matter when looking at a new loan with them; and secondly to act like it's no big deal.

Business

Response:

North Shore Bank, like all other banks, cannot discourage a person from submitting a loan application for a loan program offered by the bank. While we do have a five year waiting period for new customers after they have filed bankruptcy, that may not always be the case for existing customers who have continued to pay us as agreed. In your situation, you were seeking a 118% increase in your loan amount, which we cannot approve for someone with your credit history. If your loan amount would have remained similar and the equity position would have increased or remained equal to your current situation, we may have been able to approve your request.