Northwest Savings Bank

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Subject: complaint ID [redacted]In response to letter I received 6-6-2015 from [redacted] (Revdex.com). I made two calls to [redacted] at Northwest Savings Bank ( 814 728 7287 )  at approx. 3:46pm and 4:59pm, talked to her both times on 6-3-2015. I didn't expect a positive conversation. Naturally no one ever admits fault! Karen Baldwin told me that the bank has no request for the "TITLE" for the vehicle I financed 9-2015 at [redacted] Bank to be sent to [redacted] so a lien could be put on vehicle, I received a loan for. Our conversation was going nowhere! I told her the day I received loan that  (Angela Brock )    handled my loan and told me she sent a request for "TITLE" to be sent to [redacted] in same envelope Pay Off check was in. After ending first conversation, I called Angela Brock at [redacted] ( 4:00 pm ###-###-####) to confirm and was told again that "TITLE REQUEST SENT WITH PAYOFF CHECK", If they cashed payoff check then they received title request. I called Karen Baldwin 814 728 7287  at 4:59pm  again to tell her I confirmed that request for TITLE was to be sent to [redacted]. Told her to check her file's, if they don't have the request then someone didn't do there job. I told her I want my Banks money back I no longer want this vehicle. Karen told me that I would have to  talk to [redacted]. That my bank should've followed up on my loan. ( One of my calls to bank,  I was informed that [redacted] had been trying to get title for sometime, they needed it to put a lien on my loan.)  It has been 8 months now with no Title. I feel the law is being broken and as a consumer I have rights.                  Thank You  -----Original Message----- From: Patty [redacted] < pa[redacted][email protected]> To: klucas < [email protected]> Sent: Fri, Jun 5, 2015 6:35 pm Subject: Revdex.com ID [redacted] Dear Katie J. Lucas    I was informed that when a potential buyer is going to finance a vehicle through their bank. Then both banks are involved. The buyer's bank will issue the payoff ( they did) directly to the current finance co. They remove their lien on current loan. Then the "Title" is sent to new bank in a timely manner, and new bank will put lien on vehicle for buyers loan. This didn't happen. I was informed that my bank was trying to get title so they could put a lien on it. I called  several times and requested to be sent another title. I have been worried sick lost sleep!  I have a vehicle, paying on a loan, interest and insurance. Which is not mine and isn't insured because I'm not legal owner. I feel someone  did not do there job right. Title should've been sent to my bank!  If you have some free time look up" chapter 4505 certificate of motor vehicle title law"  ref: (2) and (b)        (   INFO: CHAPTER 4505:19   )                            THANK YOU  K YOU

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.] I received a letter dated 12-01-16 from Northwest stating they rejected my equity loan request. With a perfect payment history, large principle payment, 769 fica score on 12-12-16 from Trans Union. Containing the same information on my loan application in which I received my first loan from Northwest. Northwest refused to refinance me at a lower interest rate. Holding me hostage at the higher rate, nearly double the interest rate 6.8%. My debt will be paid off in 60 days. I would like to hold Northwest accountable to there word, and permit the equity loan limited to 25,000 at a 3% rate +/_ to be approved. It would be a cost savings to me because I would have no cost for appraisal, documents etc. It has been only 16 months since the original loan documents. My out of pocket expense would be $100 - $200 if that. Verses having to go through another lender and costing me an estimated $1500 to complete the process all over again. With that said, it is obvious that Northwest is tipping the scale to hold customers at a higher rate meaning a higher earnings for Northwest. Question; can this be forwarded to a federal agency as well for investigation? I am still open minded and willing to do business with Northwest.
Regards,
[redacted]

Review: I recently got married. I went to the bank to change my name on my bank account. The teller told me that they would be issuing me a new bank card and she said that my old card would work until I received my new card.

On Friday, August 5th, I went to a subway shop to get a sandwich, and my card was declined. This was impossible as this was payday and there was money in the bank. I called the customer service line and they had to do some research on this. On the call back--- the lady that I spoke with told me that my new card had been issued and that once the card was issued the old card was shut off. She said that my card was set for delivery on either Friday (the 5th) or Saturday (the 6th). Here it is Monday morning and I still have not received my new bank card.

I called customer service again this morning and told them what was going on and that I still haven't received my new card. This customer service agent told me that my current card was "still active" and that the reason I couldn't use my card as the sandwich shop was because my card was "swiped too many times that day." How is this possible when I haven't even used my card since July 23rd?

Bottom line is ---I have an account with this bank and they won't let me have access to my money. Every time I call customer service I get nothing but the run around.Desired Settlement: The new bank card needs to be delivered to me immediately.

This bank needs to look at their customer service practices and they need to be honest with people.

I should have had some sort of notification that my card was shut off and they need to give customers an exact date when the bank card is going to arrive.

Business

Response:

Re: Complaint ID Number [redacted]Dear Ms. [redacted],After receiving your letter dated August 9, 2016 a thorough investigation was conducted concerning Ms. [redacted]'s complaint. We have attempted to reach out to Ms. [redacted] and have followed up with our customer in writing. Ms. [redacted] has been invited to contact us if she has any other issues.Please contact me at [redacted] if you have any questions.Sincerely.Resolution & Testing Manager

Review: I purchased a Can-Am 1000 XRS All Terrain Vehicle on 9/18/14. It is financed through my bank, [redacted], who paid off the lien at Northwest Savings. Norwest savings refuses to provide a title to [redacted].

I obtained insurance on the all terrain vehicle per my loan agreement. I discovered approx. 4/1/15 that [redacted] bank does not have the title, and my insurance that I have paid monthly is not any good to me as the vehicle is not in my name. I have contacted both banks. I was told by Northwest that this is in fact breach of contract.

[redacted] bank has been trying to get the title from Northwest since the date the loan was originated.

Business

Response:

Re: Complaint ID #[redacted]Dear Ms. [redacted]We have made a number of attempts both by telephone and email to reach Ms. [redacted] regarding theissues she describes in her complaint. As of today, we have not heard back from her. We do howeverfeel that, through our own research, we were able to identify the issue that Ms. [redacted] referenced andare working with her bank to have it corrected.Please feel free to contact me at ###-###-#### with further questions or concerns.Sincerely,[redacted]Resolution Specialist

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.In response to your recent letter 5-21-2015. I want you to know I have contacted Northwest Bank approx. five times trying to resolve this matter. Every discussion with Northwest Bank I was told they didn't know what to say. They made no attempt to forward title during any of my inquiry's , furthermore they ignored several requests from my bank [redacted] as they needed title to place a lien on it due to the loan I took out to purchase this vehicle 9-18-2014. Northwest Bank held the title with a lien on from previous owner's loan and should've been forwarded in a timely matter. Northwest Bank has breeched said contract and as a result I have been stuck making payments on a vehicle I cannot use and incurred extra expenses. I paid insurance on said vehicle which is of no use to me as vehicle is not, has not been registered in my name. This is why I filed a complaint with Revdex.com to solve this matter. Northwest Bank needs to reimburse me for all costs I have spent. This includes insurance, interest and payments. Northwest Bank may take possession of said vehicle. I just want this resolved. Northwest Bank is responsible for this complaint. I think they need to do the right thing and correct this matter immediately. They refused to cooperate. Sincerely [redacted] .

Business

Response:

Re: Complaint ID #[redacted]Dear Ms. [redacted], We have made a number of additional attempts to reach Ms. [redacted] regarding the issues she describes in her complaint. As of today, we have not heard back from her. In order to fully assist Ms. [redacted] with a resolution to her complaint, it is very important that she contact us as soon as possible. No further action can be taken until we hear from her. She can contact me at ###-###-#### or [redacted], Assistant Resolution Manager, at ###-###-####. Please feel free to contact me with further questions or concerns. Sincerely, [redacted] Resolution Specialist

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Subject: complaint ID [redacted]In response to letter I received 6-6-2015 from [redacted] (Revdex.com). I made two calls to [redacted] at Northwest Savings Bank ( 814 728 7287 ) at approx. 3:46pm and 4:59pm, talked to her both times on 6-3-2015. I didn't expect a positive conversation. Naturally no one ever admits fault! Karen Baldwin told me that the bank has no request for the "TITLE" for the vehicle I financed 9-2015 at [redacted] Bank to be sent to [redacted] so a lien could be put on vehicle, I received a loan for. Our conversation was going nowhere! I told her the day I received loan that (Angela Brock ) handled my loan and told me she sent a request for "TITLE" to be sent to [redacted] in same envelope Pay Off check was in. After ending first conversation, I called Angela Brock at [redacted] ( 4:00 pm ###-###-####) to confirm and was told again that "TITLE REQUEST SENT WITH PAYOFF CHECK", If they cashed payoff check then they received title request. I called Karen Baldwin 814 728 7287 at 4:59pm again to tell her I confirmed that request for TITLE was to be sent to [redacted]. Told her to check her file's, if they don't have the request then someone didn't do there job. I told her I want my Banks money back I no longer want this vehicle. Karen told me that I would have to talk to [redacted]. That my bank should've followed up on my loan. ( One of my calls to bank, I was informed that [redacted] had been trying to get title for sometime, they needed it to put a lien on my loan.) It has been 8 months now with no Title. I feel the law is being broken and as a consumer I have rights. Thank You

Review: I am the Treasurer for an organization that has a corporate account through Northwest Savings Bank. On October 7, 2014, I postdated five different checks for various individuals and businesses for the date of October 9, 2014, which is the day our account would receive a deposit. Northwest Savings Bank failed to honor the dates of the checks and, as a result, five of my checks failed to clear. Not only did this result in multiple Returned Check Fees, but now I have the extreme inconvenience (and embarrassment) of explaining to the unpaid parties what happened and to pay for their returned check fees. If the banks would have honored the correct date that was written clearly on all of the checks, then this never would have happened. Phone calls to local branches did not resolve this issue satisfactorily, as the manager was not present.Desired Settlement: A refund in full of the $175 Returned Check Fees, as this error was due to the banks not honoring the dates printed on the checks, and I will be responsible for reimbursing the offended parties' Returned Check Fees as well.

Business

Response:

Re: Complaint ID Number [redacted]

Dear Ms. [redacted],

Please accept our apologies for the delayed response to Mr, [redacted] complaint. We had some trouble reaching him to fully discuss his concerns. As of today's date, we have made contact with him and feel his concerns have been addressed. Additionally, we have responded to him in writing.

Please contact me at [redacted] if you have any questions.

Sincerely,

Resolution Manager

Review: Believe they are fishing for personal information. Say they are an online bank. When I tried to call the phone number, it is not a legitimate phone number.Desired Settlement: Make people aware that this business does not seem legitimate.

Business

Response:

Re: Complaint # [redacted]Dear Ms. [redacted]After receiving your letter dated August 17, 2015, we promptly contacted Ms. [redacted] to address her concerns and were able to resolve her complaint. Ms. [redacted] was invited to contact us if she had any other issues.Please contact me at ###-###-#### if you have additional questions.Sincerely,[redacted]Assistant Resolution Manage

Review: Went to the ATM at this bank and withdrew money. I left accidently without my card. When I went back it had been sucked into the machine. I called the bank the next day to get my card back, a [redacted] card and I was informed that because it wasn't one of their cards that it was their policy to destroy the card. The lady on the phone was very short and not very friendly and offered not as much as an apology. I can not access the remainder of my paycheck now because I have to wait for another card from my company. This leaves me in quite a bind now and no money for 2 weeksDesired Settlement: Would like this policy changed and my complaint displayed for anyone to read when considering this bank for business. I feel it should be displayed to show what kind of business practices this bank has and what people have to look forward to for them.

Consumer

Response:

I want their shoddy practices publicized and their attitudes and how they handle things known. This isn't the first time I was treated badly the person I spoke to on the phone was very rude and short and didn't even have the courtesy to say Im sorry. This caused me to be without money now and created a hardship. I have had many people say in the past couple days that they have been treated this way. I was going to open a checking account here in this bank and even apply for loans but not now. They destroyed personal property and now I have to pay a $25.00 fee to have another card expedited to me. I think at the very least they should reimburse me for this but I will not hold my breath for them to do so.

Business

Response:

Business

Response:

Re: Complaint ID Number [redacted] Dear Ms. [redacted]After receiving your letter dated May 5, 2015 a thorough investigation was conducted concerning Mr. [redacted]’s complaint. We promptly contacted Mr. [redacted] and were able to come to a resolution. Mr. [redacted] was invited to contact us if he had any other issues.Please contact me at [redacted] if you have any questions.Sincerely.[redacted]Assistant Resolution. Manager

Review: Ever since Northwest Bank took over [redacted] I have not been able to access my checking account. Even after calling several times. They say they will call back because of high volume of calls but never do. As a result, I have to drive to the bank to find out my account balance and I am unable to pay my bills online, which I have done for some time now through [redacted]. I have tried to use their live chat to resolve this issue and again, they do not respond.Desired Settlement: I would like to see these issues resolved so I can pay my bills and have access to my accounts. If my credit is ruined because of their actions , I expect them to report to the credit score businesses that it is through their negligence(Northwest) that this has occurred, and restore my credit.

Business

Response:

Re: Complaint ID Number [redacted]Dear Ms. [redacted],After receiving your letter dated August 24, 2015, we promptly contacted Ms. [redacted] and were able to resolve her complaint. Ms. [redacted] was invited to contact us if she had any other issues.Please contact me at ###-###-#### if you have any questions.Sincerely,[redacted]Assistant Resolution Manager

Review: I have two complaints regarding this bank. The first is I earned GO rewards points and was told they would never expire and now when I went to redeem them, 2694 points expired. Also, I have not earned any interest on my account since it was opened but on the statements it says the APY is .10% and I never earned any interest?Desired Settlement: I would like the 2694 GO rewards points put back into my account and I would like explanation onto if I earn interest on my checking account and why I did not ever receive any. If someone could look into my account and explain this to me.

Business

Response:

Review: The mentioned bank obtained all rights to my auto loan through [redacted] Bank. I have tried multiple times over the past three weeks to contact this bank via telephone and their online chat process. You will sit on hold with no answer from an agent or you have the option to have them call you back. If they do call you back it is not within a reasonable amount of time. So you decide to sign up for their online banking to be able to make your payments (since you can't seem to speak with someone about where your payments need mailed to or pay over the phone). No matter how you enter your temporary password it will not take it so it "locks you out" and once again are unable to speak with someone for assistance. So, I now have an auto loan with a bank that I have been unable to pay.

Just for a side note, I work full time and have two small children so therefore my time is very precious to me since I do not have much of it!Desired Settlement: I would like to speak with someone so that I can 1. make my payment 2. discuss my payoff and any fees that may be associated with paying it off. Once that personal contact is made, I will decide if I am going to pay my loan off or transfer to a local bank with better customer service options who appreciates my business

Business

Response:

RE: Complaint ID Number [redacted]Dear Ms. Edwards,After receiving your letter dated September 19, 2015, we promptly contacted Mr. [redacted] and were able to resolve his complaint. Mr. [redacted] was invited to contact us if he had any other issues. Please contact me at [redacted] if you have any questions.Sincerely,[redacted]Assistant Resolution Manager

Review: We received a Final Notice for Repossession on our vehicle. We contacted [redacted]. and had arrangements for payment. [redacted] agreed with My spouse on 11/8/2013 to send 2 POST DATED checks one for 11/15/13 and the other on 11/18/13 with each check being the amount of $351.45...To our suprise when the checks got to their location [redacted]. deposited both checks on 11/14/13...way before they were supposed to causing our bank account to get out of control with fees that we cannot afford. We now have to go to a family members for Thanksgiving because we cant afford the dinner because of all the fees. This has caused alot of distress within our Family. They have agreed to pay back those fees but that is not helping now when you dont have much money in the first Place. Someone needs to be held accountable for [redacted]. putting those post dated checks in early..With those checks going through early and not being paid we are still in jeopardy of losing our vehicle. We are in process and on the edge of hiring legal help to resolve this.Desired Settlement: I would like to see all refunds on my account including the catch up on the car payment so our car is not in danger...but I will talk to an attorney to find out what more I can do.

Business

Response:

We have been in contact with Mr. [redacted] and have requested additional

documentation from him to resolve this issue. He agreed to provide the needed documentation

but fail to do so. We are going to credit his account for the fees we can identify with out

his response.

Please contact me at [redacted] if you have any questions.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I need to Know how much is credit on my account as far as documents go ...I sent the documents ...they requested more info...twhat I received from the bank I sent to them and im not going to pull up all my bank info so they can tap into my life and finances ...its none of their business...They just need to worry about the mistakes they made...and I do think they should modify my loan for their mistakes and the holiday they completely distroyed this year....

Regards,

Business

Response:

In response the additional concerns of Mr. [redacted]. We will not respond with specifics of our customers account information in our response. I left a message earlier today for Mr. [redacted] to call me with no response. I have sent a letter today with the results of our investigation and explanation directly to Mr. [redacted] and the Co-Borrower on the loan.

Review: Northwest Savings Bank is alleging that we made too many transfers out of an account and they notified us. We were never notified so we never knew of any issues. This morning I logged in and saw that the account was closed.

I immediately called the bank - I was on hold for over 15 minutes. Spoke to an actual person maybe for a total of 10 minutes.

There was a blatant disregard and I was transferred around, eventually getting a manager who didn't seem to really care. Her answer was we will receive a check for the amount of the savings account but she didn't know when. I demanded to know when because we have 2 young kids and bills to take care of. Her response was "well I will have to make some phone calls and get back to you."

The people I spoke with Jim, Linda and Carol at the Elizabeth branch.Desired Settlement: I just want all of the money that is ours immediately.

Review: I am a customer of Northwest Savings Bank and I have online access to my accounts. This online access means that my email address is on file. Now on occasion I would get an email from Northwest advertising personal loan specials and similar things. In the emails there was a link to opt out which instructed me to type no promotional emails in the body of the email which the link already set up with the email address it would go to in my email program. In November of 2014 I did just that and sent the email. Since then I have gotten 3 more such emails with the last one being on February 7 2015 and a couple of other times in between I repeated the same opt out steps.Desired Settlement: Please stop sending me promotional emails.

Business

Response:

February 18, 2015Joyce Palmer Edwards Revdex.com of Western Pennsylvania Re: Complaint ID Number [redacted]Dear Ms. [redacted]Thank you for forwarding Mr. [redacted]'s concerns. We have added his email address:[redacted] to the suppression list in our current mass mailing program. He will no longer receive emaii marketing.Sincerely,[redacted] Resolution SpecialistNorthwest Direct: [redacted]

Consumer

Response:

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

Review: As instructed by the bank. Take a check written from another party, directly to the bank they deal with. verify fund are available and cash the check to insure the transaction is complete. I have been doing this for the past year. However recently I took a check to Northwest Bank's drive thru. I asked the cashier to check to make sure funds were indeed there. when she said yes, I instructed her to cash the check. Not deposit into my northwest account, but to cash it. which she did, I received cash in hand, transaction was complete.However a month later, the bank withdraws the money from my account, and clai** the checked bounced. I said how is that possible, the teller verified the funds were there and the check was cashed. the came back and said another transaction must have come through at same time, and it was a part time teller and she completed the transaction incorrect and held the check against my own personal checking account. when I said how is that my fault, they said the bank is out money and someone has to pay for it. How is this good business practice? the teller made a mistake, and how on earth can they take money for my account, and I never even got a letter in the mail.Desired Settlement: I would like the bank to refund me the $200 they withdraw from my account. when it was the banks's mistake for completing the transaction incorrectly.

Business

Response:

December 27, 2013

Dear **. [redacted]:

My responsibility as Resolution Manager of Northwest Savings Bank (NSB) is to coordinate the resolution of all complaints. We acknowledge the receipt of this complaint end wanted to notify you that we have already been in contact with [redacted]. We worked out a resolution with her prior to the receipt of this complaint

I have completed your Standard Business Questionnaire and will fax it with this response. If there are any other questions feel free to contact me,

Sincerely,

Consumer

Response:

Northwest Bank contacted me on Monday 12/23 and said they would investigate it further and get back to me. On Tuesday 12/24 I received a phone call from the corporate office, apologizing for the error that was made by the teller, and they would reopen my account and refund me the $200 that the bank withdrew from my account. Which they indeed did refund me the money.

Thank you