Talmer Bank & Trust

Review: my home loan is no longer being reported to my credit report. in june first place sold our home loans to others. I was told that it would not be reported for 2-3 months during this process. it is now december and my home loan is still not being reported. I have been in contact with first place bank multiple times over the phone and through email to corporate and still get different stories every time I call or I am passed along to the next person and nothing ever gets solved. the reason why this is important to me is that the perfect payment history and account longevity since 2007 being reported would help my credit score. if the bank they sold my loan to does not post to my credit I ask that they move my loan again to someone who will. all I am asking for is this loan to go towards my credit report. thank youDesired Settlement: all I want is for my home loan to be reported to my credit report like it was when I opened the loan with them. if they do not wish to handle this matter then I would like them to pay for the fees involved and I will move the loan and all my other banking to a bank of my choice that will.

Business

Response:

January 2, 2014

Revdex.com

Review: Our basement flooded in August 2014, as did many other homes in our area. We had sewer backup insurance and were given $[redacted] from our insurance company to be used for repairs and our belongings. The check was written to us and our mortgage company, Talmer Bank and Trust. Before we were given any of the insurance money, we had to wait for Talmer to send someone to inspect our property. We had already spent thousands of dollars out of our own savings before the first inspection was done. We were given half of our insurance money ($[redacted]) and had to wait until we were 90% completed for the remainder. We've been using our own money and have even taken out a loan from the [redacted] to finish repairing our basement and start replacing our belongings. My husband called Talmer in mid-December to request an inspection so we could be given the remainder of the insurance money. After multiple phone calls to multiple people (including 3 supervisors) at Talmer, we still have not even been contacted by the inspector. I'm being told that someone is calling and leaving messages but that is not the case. I even asked if Talmer would choose a day and time for our appointment and tell us what it is so we could have the inspection. We are not getting anywhere with Talmer so I have reached out to the Revdex.com for help.Desired Settlement: We want the remainder of our insurance money disbursed to us as soon as possible. Our basement is definitely completed enough to be given the remainder. I want an inspector to come to our house as soon as possible or for the bank to disburse the remainder in good graces.

Business

Response:

February 17, 2015

Revdex.com

RE: Case #[redacted]

Dear [redacted]:

Thank you for the opportunity to review and respond to the above case number. Talmer Bank and Trust has worked with our servicing agent to address the concerns our customer has identified. We are pleased to report that we have worked together and have resolved his concerns.

Attached is a copy of the correspondence that we have supplied to our customer. If you have any additional questions, please contact us Monday through Friday 8:00 a.m. to 5:00 p.m. toll free at [redacted].

Sincerely,

Managing Director

Mortgage Servicing Oversight

Review: In 2014, after 2013 tax filing season was over, Talmer Bank & Trust sent me an updated tax document with no explanation. I called them directly to find out why they sent me an updated document, and they weren't sure, so they needed to check and get back to me. They sent me a letter response, telling me that they sent me an incorrect tax document at tax time, and therefore, I needed to re-file my 2013 taxes with the updated document. In the letter, they told me that they would reimburse me for the cost of refilling my 2013 taxes. I refilled my 2013 taxes and sent them all the requested documentation in late February, 2015 along with a copy of this letter promising me reimbursement. I received a letter response in early March telling me that they received my paperwork, and that it was under review. I called them on March 24th to receive a status on my reimbursement, and they said it was still under review, and that they couldn't provide me an update. They are not delivering on their promise to pay me back the money I lost by refilling my taxes due to their error. It's bad enough that I had to waste my personal time, money, and pay the government for Talmer's mistake rather than getting a smaller tax return for 2013.Desired Settlement: I want my refund immediately for the accounting fees I encountered in February 2015. There is no reason for any delay in repayment.

Business

Response:

April 3, 2015

Ms. Debbie Rodgers

Revdex.com

Re: Case # [redacted]

Dear Ms. Rodgers,

Thank you for the opportunity to review and respond to the above referenced case number. We have worked with our servicing agent, [redacted] Mortgage, Inc. to address the concerns our customer has identified.

Talmer Bank and Trust has maintained a dedicated staff to oversee our servicing and act as a liaison for any problems or issues that may arise and have worked in conjunction with our servicing agent to address the concerns [redacted] has raised.

Attached is a copy of the correspondence that we have supplied to our customer. If you have any additional questions, please contact us Monday through Friday 8:00 am. to 5:00 pm. toll free at [redacted].

Sincerely,

Review: Our basement flooded in August 2014, as did many other homes in our area. We had sewer backup insurance and were given $[redacted] from our insurance company to be used for repairs and our belongings. The check was written to us and our mortgage company, Talmer Bank and Trust. Before we were given any of the insurance money, we had to wait for Talmer to send someone to inspect our property. We had already spent thousands of dollars out of our own savings before the first inspection was done. We were given half of our insurance money ($[redacted]) and had to wait until we were 90% completed for the remainder. We've been using our own money and have even taken out a loan from the [redacted] to finish repairing our basement and start replacing our belongings. My husband called Talmer in mid-December to request an inspection so we could be given the remainder of the insurance money. After multiple phone calls to multiple people (including 3 supervisors) at Talmer, we still have not even been contacted by the inspector. I'm being told that someone is calling and leaving messages but that is not the case. I even asked if Talmer would choose a day and time for our appointment and tell us what it is so we could have the inspection. We are not getting anywhere with Talmer so I have reached out to the Revdex.com for help.Desired Settlement: We want the remainder of our insurance money disbursed to us as soon as possible. Our basement is definitely completed enough to be given the remainder. I want an inspector to come to our house as soon as possible or for the bank to disburse the remainder in good graces.

Business

Response:

February 17, 2015

Revdex.com

RE: Case #[redacted]

Dear [redacted]:

Thank you for the opportunity to review and respond to the above case number. Talmer Bank and Trust has worked with our servicing agent to address the concerns our customer has identified. We are pleased to report that we have worked together and have resolved his concerns.

Attached is a copy of the correspondence that we have supplied to our customer. If you have any additional questions, please contact us Monday through Friday 8:00 a.m. to 5:00 p.m. toll free at [redacted].

Sincerely,

Managing Director

Mortgage Servicing Oversight

Review: We closed on a construction loan with First Place bank in October 2012. The term was for an 8 month construction period to roll into a 30 year fixed mortgage. The home was completed and we moved in on June 1, 2013. At that time we received a letter from First Place Bank stating that the had not sold our loan but that it would be serviced by [redacted].As of today, the two companies have not set up our mortgage properly - no escrow and PMI is not being billed. I have contacted them 5 times regarding this issue and have been told each time that it would be done 'this month'.I have continued to make payments each month and have also paid additional amount to the principle balance in order to pay the loan off early.This weekend I got on the company web site and see that the loan balance is now reflecting the original loan amount. I contacted [redacted] again this morning and was told the account is 'suspended' pending the escrow set-up. At that time they said they were holding all payments to be applied to escrow. I told them that this was unacceptable and not in agreement with the terms of the loan. The gentleman said he would be sure the two $1000 principle only payments would be applied to principle.We also paid our property taxes directly to the county in July and paid our Mortgage Insurance directly to the provider since it was set to expire on 11 October and the mortgage company failed to make the payment.Request assistance with expediting the completion of this loan. Product_Or_Service: Mortgage Account_Number:[redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation) Request assistance with expediting the completion of the loan to include escrow set-up, proper billing and posting of payments. The escrow needs to reflect that we are current on all taxes and insurance at this time.

Business

Response:

Response to complaint ID [redacted]

Hello,

A call was set up to discuss with our servicer to inquire about the issue and offer any assistance to resolve on 10/25. This issue was escalated prior to that via email and prior to the Revdex.com complaint after a phone call by the customer to me at First Place so it was already in their queue.

A commitment was made by the server to resolve and a follow up call was scheduled for today, 10/31 and this is what was confirmed:

1) All payments have been appropriately applied

2) Escrow analysis has been completed

3) Escrow portion of payments, including tax, insurance, and PMI will commence with their 12/1/13 payment which will be reflected in their statement that will be issued on or about 11/16/13

4) Hazard insurance premium had been paid on 10/22

Please contact me if any aspect of the resolution is not to your satisfaction or if any more info is needed.

Thank you.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

After calling the number that says "for information on your account, call 24/7" I have now been on hold for 31 minutes and was told the department to give me the balence on my account has gone home. I'm still on hold waiting for a manager just to give me a balance. Horrible customer service!!!

Horrible, horrible bank. I got charged a crazy amount fees for things didn't even make sense. I had money in my account, the computer system messed up and they didn't even call me when my account was over $400 in debt. After threatening legal action they did refund me half of it and I closed my account. I have never had problems with any other bank and regret going there.

Review: First Place Bank went through a system upgrade in late July that was a disaster. All the ATM cards had to be replaced with new ones. After 6 weeks and multiple requests, I am still waiting for my new ATM card. When I contacted the branch manager at the local Southfield, MI office, she was unhelpful. When our phone conversation was cut off, she didn't even bother to call me back. This is completely unacceptable and it a shame for bank to give such service after being a customer for over 15 years.Desired Settlement: I believe that a formal apology and immediate resolution to my complaint is in order.

Business

Response:

The complaint was resolved on 9/18/13. The VP-Sales Manager at the Southfield MI location contacted the customer and was able to resolve his issue. The manager made sure to hand deliver the customer's debit card to him. The customer seems to be accepting of this resolution.

Consumer

Response:

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

In reference to complaint ID [redacted], it was resolved to my satisfaction.

Regards,

Review: Our basement flooded in August 2014, as did many other homes in our area. We had sewer backup insurance and were given $[redacted] from our insurance company to be used for repairs and our belongings. The check was written to us and our mortgage company, Talmer Bank and Trust. Before we were given any of the insurance money, we had to wait for Talmer to send someone to inspect our property. We had already spent thousands of dollars out of our own savings before the first inspection was done. We were given half of our insurance money ($[redacted]) and had to wait until we were 90% completed for the remainder. We've been using our own money and have even taken out a loan from the [redacted] to finish repairing our basement and start replacing our belongings. My husband called Talmer in mid-December to request an inspection so we could be given the remainder of the insurance money. After multiple phone calls to multiple people (including 3 supervisors) at Talmer, we still have not even been contacted by the inspector. I'm being told that someone is calling and leaving messages but that is not the case. I even asked if Talmer would choose a day and time for our appointment and tell us what it is so we could have the inspection. We are not getting anywhere with Talmer so I have reached out to the Revdex.com for help.Desired Settlement: We want the remainder of our insurance money disbursed to us as soon as possible. Our basement is definitely completed enough to be given the remainder. I want an inspector to come to our house as soon as possible or for the bank to disburse the remainder in good graces.

Business

Response:

February 17, 2015

Revdex.com

RE: Case #[redacted]

Dear [redacted]:

Thank you for the opportunity to review and respond to the above case number. Talmer Bank and Trust has worked with our servicing agent to address the concerns our customer has identified. We are pleased to report that we have worked together and have resolved his concerns.

Attached is a copy of the correspondence that we have supplied to our customer. If you have any additional questions, please contact us Monday through Friday 8:00 a.m. to 5:00 p.m. toll free at [redacted].

Sincerely,

Managing Director

Mortgage Servicing Oversight

Review: We closed on a construction loan with First Place bank in October 2012. The term was for an 8 month construction period to roll into a 30 year fixed mortgage. The home was completed and we moved in on June 1, 2013. At that time we received a letter from First Place Bank stating that the had not sold our loan but that it would be serviced by [redacted].As of today, the two companies have not set up our mortgage properly - no escrow and PMI is not being billed. I have contacted them 5 times regarding this issue and have been told each time that it would be done 'this month'.I have continued to make payments each month and have also paid additional amount to the principle balance in order to pay the loan off early.This weekend I got on the company web site and see that the loan balance is now reflecting the original loan amount. I contacted [redacted] again this morning and was told the account is 'suspended' pending the escrow set-up. At that time they said they were holding all payments to be applied to escrow. I told them that this was unacceptable and not in agreement with the terms of the loan. The gentleman said he would be sure the two $1000 principle only payments would be applied to principle.We also paid our property taxes directly to the county in July and paid our Mortgage Insurance directly to the provider since it was set to expire on 11 October and the mortgage company failed to make the payment.Request assistance with expediting the completion of this loan. Product_Or_Service: Mortgage Account_Number:[redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation) Request assistance with expediting the completion of the loan to include escrow set-up, proper billing and posting of payments. The escrow needs to reflect that we are current on all taxes and insurance at this time.

Business

Response:

Response to complaint ID [redacted]

Hello,

A call was set up to discuss with our servicer to inquire about the issue and offer any assistance to resolve on 10/25. This issue was escalated prior to that via email and prior to the Revdex.com complaint after a phone call by the customer to me at First Place so it was already in their queue.

A commitment was made by the server to resolve and a follow up call was scheduled for today, 10/31 and this is what was confirmed:

1) All payments have been appropriately applied

2) Escrow analysis has been completed

3) Escrow portion of payments, including tax, insurance, and PMI will commence with their 12/1/13 payment which will be reflected in their statement that will be issued on or about 11/16/13

4) Hazard insurance premium had been paid on 10/22

Please contact me if any aspect of the resolution is not to your satisfaction or if any more info is needed.

Thank you.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Review: First Place Bank went through a system upgrade in late July that was a disaster. All the ATM cards had to be replaced with new ones. After 6 weeks and multiple requests, I am still waiting for my new ATM card. When I contacted the branch manager at the local Southfield, MI office, she was unhelpful. When our phone conversation was cut off, she didn't even bother to call me back. This is completely unacceptable and it a shame for bank to give such service after being a customer for over 15 years.Desired Settlement: I believe that a formal apology and immediate resolution to my complaint is in order.

Business

Response:

The complaint was resolved on 9/18/13. The VP-Sales Manager at the Southfield MI location contacted the customer and was able to resolve his issue. The manager made sure to hand deliver the customer's debit card to him. The customer seems to be accepting of this resolution.

Consumer

Response:

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

In reference to complaint ID [redacted], it was resolved to my satisfaction.

Regards,

Horrible, horrible bank. I got charged a crazy amount fees for things didn't even make sense. I had money in my account, the computer system messed up and they didn't even call me when my account was over $400 in debt. After threatening legal action they did refund me half of it and I closed my account. I have never had problems with any other bank and regret going there.

After calling the number that says "for information on your account, call 24/7" I have now been on hold for 31 minutes and was told the department to give me the balence on my account has gone home. I'm still on hold waiting for a manager just to give me a balance. Horrible customer service!!!

After calling the number that says "for information on your account, call 24/7" I have now been on hold for 31 minutes and was told the department to give me the balence on my account has gone home. I'm still on hold waiting for a manager just to give me a balance. Horrible customer service!!!

Review: We closed on a construction loan with First Place bank in October 2012. The term was for an 8 month construction period to roll into a 30 year fixed mortgage. The home was completed and we moved in on June 1, 2013. At that time we received a letter from First Place Bank stating that the had not sold our loan but that it would be serviced by [redacted].As of today, the two companies have not set up our mortgage properly - no escrow and PMI is not being billed. I have contacted them 5 times regarding this issue and have been told each time that it would be done 'this month'.I have continued to make payments each month and have also paid additional amount to the principle balance in order to pay the loan off early.This weekend I got on the company web site and see that the loan balance is now reflecting the original loan amount. I contacted [redacted] again this morning and was told the account is 'suspended' pending the escrow set-up. At that time they said they were holding all payments to be applied to escrow. I told them that this was unacceptable and not in agreement with the terms of the loan. The gentleman said he would be sure the two $1000 principle only payments would be applied to principle.We also paid our property taxes directly to the county in July and paid our Mortgage Insurance directly to the provider since it was set to expire on 11 October and the mortgage company failed to make the payment.Request assistance with expediting the completion of this loan. Product_Or_Service: Mortgage Account_Number:[redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation) Request assistance with expediting the completion of the loan to include escrow set-up, proper billing and posting of payments. The escrow needs to reflect that we are current on all taxes and insurance at this time.

Business

Response:

Response to complaint ID [redacted]

Hello,

A call was set up to discuss with our servicer to inquire about the issue and offer any assistance to resolve on 10/25. This issue was escalated prior to that via email and prior to the Revdex.com complaint after a phone call by the customer to me at First Place so it was already in their queue.

A commitment was made by the server to resolve and a follow up call was scheduled for today, 10/31 and this is what was confirmed:

1) All payments have been appropriately applied

2) Escrow analysis has been completed

3) Escrow portion of payments, including tax, insurance, and PMI will commence with their 12/1/13 payment which will be reflected in their statement that will be issued on or about 11/16/13

4) Hazard insurance premium had been paid on 10/22

Please contact me if any aspect of the resolution is not to your satisfaction or if any more info is needed.

Thank you.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Review: First Place Bank went through a system upgrade in late July that was a disaster. All the ATM cards had to be replaced with new ones. After 6 weeks and multiple requests, I am still waiting for my new ATM card. When I contacted the branch manager at the local Southfield, MI office, she was unhelpful. When our phone conversation was cut off, she didn't even bother to call me back. This is completely unacceptable and it a shame for bank to give such service after being a customer for over 15 years.Desired Settlement: I believe that a formal apology and immediate resolution to my complaint is in order.

Business

Response:

The complaint was resolved on 9/18/13. The VP-Sales Manager at the Southfield MI location contacted the customer and was able to resolve his issue. The manager made sure to hand deliver the customer's debit card to him. The customer seems to be accepting of this resolution.

Consumer

Response:

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

In reference to complaint ID [redacted], it was resolved to my satisfaction.

Regards,

Review: my home loan is no longer being reported to my credit report. in june first place sold our home loans to others. I was told that it would not be reported for 2-3 months during this process. it is now december and my home loan is still not being reported. I have been in contact with first place bank multiple times over the phone and through email to corporate and still get different stories every time I call or I am passed along to the next person and nothing ever gets solved. the reason why this is important to me is that the perfect payment history and account longevity since 2007 being reported would help my credit score. if the bank they sold my loan to does not post to my credit I ask that they move my loan again to someone who will. all I am asking for is this loan to go towards my credit report. thank youDesired Settlement: all I want is for my home loan to be reported to my credit report like it was when I opened the loan with them. if they do not wish to handle this matter then I would like them to pay for the fees involved and I will move the loan and all my other banking to a bank of my choice that will.

Business

Response:

January 2, 2014

Revdex.com

Review: First Place Bank went through a system upgrade in late July that was a disaster. All the ATM cards had to be replaced with new ones. After 6 weeks and multiple requests, I am still waiting for my new ATM card. When I contacted the branch manager at the local Southfield, MI office, she was unhelpful. When our phone conversation was cut off, she didn't even bother to call me back. This is completely unacceptable and it a shame for bank to give such service after being a customer for over 15 years.Desired Settlement: I believe that a formal apology and immediate resolution to my complaint is in order.

Business

Response:

The complaint was resolved on 9/18/13. The VP-Sales Manager at the Southfield MI location contacted the customer and was able to resolve his issue. The manager made sure to hand deliver the customer's debit card to him. The customer seems to be accepting of this resolution.

Consumer

Response:

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

In reference to complaint ID [redacted], it was resolved to my satisfaction.

Regards,

After calling the number that says "for information on your account, call 24/7" I have now been on hold for 31 minutes and was told the department to give me the balence on my account has gone home. I'm still on hold waiting for a manager just to give me a balance. Horrible customer service!!!

Review: On April 25, 2015, I went into [redacted] in [redacted] and put together a more than couple of thousand dollars worth of merchandise. I spent 2 hours driving to this store and back from my hometown, several hours at the store gathering all of the things I need, only to be told that my Talmer Bank Card has been declined at the register with no explanation. I called the Fraud Center for the bank due to the Customer service center being closed. They advised me that there was a restriction put onto my account to protect me from Fraud. I'm assuming that this was because the purchase I was trying to make was a large amount. The Fraud Center could not even tell me what my daily spending limit was on my account. The Fraud center also told me that they removed the restriction and I went back to the store only to be turned away by the Cashier once again. I called the bank once again and they told me that there was nothing they could do about it until Monday April 27 due to Customer Service being closed. I wasted several hours driving to this store and back and gas only to have Talmer Bank put a block on my card. This ruined my entire weekend and I am unable to get anything done until Monday when I have to return to work. I don't understand why if the Fraud center has the capability of putting this block onto my account why they cannot remove it so I can continue with my purchases.Desired Settlement: I feel that Talmer should compensate me in some way, shape or form for all of the hassle and inconveniences that this has created for me and they should be able to provide better assistance to their customers on the weekends even though their service centers are closed.

Business

Response:

Procedurally, as well as a matter of best practice we review all customer card transactions for possible irregularities and compliance with our terms and conditions. This includes a review of daily point of sale limits as well as spending irregularities to detect possible fraud which is used to protect our card holders. The fraud area is available and monitored 24/7 to assist customers with any or all fraud related questions and concerns. Questions regarding point of sale spending limits or other product information is handled by a separate Talmer Bank Department which is available Monday-Friday 7:30 AM to 7:30 PM EST Saturday 7:30 AM to 2:00 PM EST. Unfortunately, when this customer contacted the bank it was outside our normal operating hours. We are always striving to provide the best possible customer experience and regret we were unable to assist this customer to complete their transaction. We are reviewing our current operating practices to ensure we are able to provide solutions to our clients after normal hours.