|
8164651
|
2024-01-12
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem using a debit or ATM card
|
| Sub Product |
Checking account
|
| Date Received |
2024-01-12
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-18
|
| Consumer Consent Provided |
N/A
|
|
|
11750330
|
2025-01-22
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Mortgage
|
| Sub Issue |
Private mortgage insurance (PMI)
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2025-01-22
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
| Consumer Consent Provided |
N/A
|
|
|
8318205
|
2024-02-06
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Transaction was not authorized
|
| Sub Product |
Checking account
|
| Date Received |
2024-02-06
|
| Submitted Via |
Referral
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-09
|
| Consumer Consent Provided |
N/A
|
|
|
11370223
|
2025-01-03
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Transaction was not authorized
|
| Sub Product |
Checking account
|
| Date Received |
2025-01-03
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-03
|
| Consumer Consent Provided |
N/A
|
|
|
8318212
|
2024-02-06
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue while managing or servicing your loan
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-02-06
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-09
|
| Consumer Consent Provided |
N/A
|
|
|
11577756
|
2025-01-16
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Banking errors
|
| Sub Product |
Checking account
|
| Date Received |
2025-01-16
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-30
|
| Consumer Consent Provided |
N/A
|
|
|
11276653
|
2024-12-24
|
Closing an account
|
Checking or savings account
|
|
| Tags |
Older American
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Company closed your account
|
| Sub Product |
Checking account
|
| Date Received |
2024-12-24
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-24
|
|
|
10947808
|
2024-11-27
|
Other transaction problem
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Other transaction problem
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Domestic (US) money transfer
|
| Date Received |
2024-11-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11361726
|
2025-01-03
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Transaction was not authorized
|
| Sub Product |
Checking account
|
| Date Received |
2025-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-03
|
|
|
10853329
|
2024-11-20
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Can't close your account
|
| Sub Product |
Other banking product or service
|
| Date Received |
2024-11-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-20
|
| Consumer Consent Provided |
Other
|
|
|
7968534
|
2023-12-08
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem accessing account
|
| Sub Product |
Checking account
|
| Date Received |
2023-12-08
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-08
|
| Consumer Consent Provided |
N/A
|
|
|
7939188
|
2023-12-03
|
Managing an account
|
Checking or savings account
|
|
| Tags |
Older American
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem accessing account
|
| Sub Product |
Checking account
|
| Date Received |
2023-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-03
|
| Complaint What Happened |
Webster who has been the bank of my company for over 20 years decided to merge. After their merger they changed their banking site and now I am unable to download my company information in XXXX.
This bank has sent information and it doesn't work. They have been contacted over XXXX times about this problem between phone calls emails, messages in their site, visits to teh branch. My business has wasted hours upon hours.
The bank has been sending apology messages and information manual on how to make thie change. It doesn't work. This has been communicated many times to tehir staff.
A very nasty woman called me after I mader complaints and she indicated that she had no idea when it would be fixed and that it wasn't a priority for Webster. Her attitude was it was my problem and I should go to XXXX to fix te problem they created. If she was my employee I woudl fire her.
You will see from the copies of their messages that their issue is not a priority and so far we are getting a lot of lip service
|
| Consumer Consent Provided |
Consent provided
|
|
|
7488796
|
2023-09-01
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2023-09-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-01
|
| Complaint What Happened |
Webster " upgraded '' their computer system after merger. In reality, implemented a brand new system. None of the information from the previous system was transferred. I had the account # and routing # for a checking account that was not moved over. Likewise, I had a recurring automatic payment from that checking account set up. It was not moved over to the new system.
When the payment wasn't automatically processed, the bank had the audacity to call and leave a voicemail message on our phone from the collections department with all the standard verbal threats.
Adding insult to injury, they applied a late charge on the payment.
I have called three times, talked to over 15 staff members, and been promised a call back by a customer service supervisor three times. I have yet to receive a single return call.
This was one of the worst IT implementations I have ever seen.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7629499
|
2023-10-02
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2023-10-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7367626
|
2023-08-08
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem making or receiving payments
|
| Sub Product |
Checking account
|
| Date Received |
2023-08-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-08
|
| Complaint What Happened |
We are writing to formally raise a significant concern regarding an unauthorized delay in an external funds transfer, which resulted in a measurable financial loss and raises questions of potential impropriety. The incident has highlighted important discrepancies between the institution 's advertised service standards and the actual customer experience, underscoring the need for immediate corrective action. We have been customers for over thirty years.
On XX/XX/2023, we initiated a {$60000.00} transfer from our Webster account to our XXXX XXXX XXXX account, drawn by the promise of XXXX XXXX ' 4.3 % interest rate. The bank 's stated funds availability policy, accessible through this link XXXX XXXX XXXX XXXX XXXX assures same-day availability for transfers. However, this assurance was shattered on XX/XX/2023, when I received an email stating : " For security reasons, your external transfer request from Webster Bank, XXXX account to XXXX XXXX XXXX XXXX, Savings account has been stopped.
As a policy, we need to review the transaction. Based on the results of that review, we will either cancel the transaction or the funds may take a little longer to reach the destination account. We will notify you of the status of the transaction by email. Thank you, Webster Bank '' This stoppage came with no clear explanation, no reference to any specific policy, and no guidance on how to proceed or the expected timeline for resolution.
In response to this concerning development, we promptly engaged with Webster Bank 's customer service seeking clarification and resolution. Unfortunately, my efforts were met with a disheartening lack of transparency, accountability, and urgency. Over the course of calling each business day and in-person visits to local branches on XX/XX/XXXX and XX/XX/XXXX, we encountered significant challenges in obtaining clear answers, status updates, or a swift resolution to the transfer issue. Furthermore, even though promised, we never received any sort of personal follow up or call backs that representatives had promised. Additionally, it is important to highlight the dissonance between Webster Bank 's declared values and the actual customer experience. The slogans etched on the glass offices, such as " We Earn Trust thru Ethical Behavior '' and " We Take Personal Responsibility for Meeting Our Customers Needs, '' stand in stark contrast to the reality of this situation.
Finally, on XX/XX/XXXX, we were notified that the funds transfer had been processed and released, allowing the transfer to proceed. However, this resolution does not negate the lack of transparency and accountability that marred the resolution process, nor does it mitigate the financial loss I incurred due to the unauthorized delay.
We find it deeply troubling that a reputable financial institution would choose to arbitrarily withhold access to customer funds without clear justification or proper communication. This incident raises serious questions about transparency, adherence to advertised service standards, and potential violations of the trust between financial institutions and their customers.
In light of the unauthorized delay, which resulted in a financial loss of approximately {$50.00} in unearned interest, we formally request the following actions be taken : 1. A comprehensive investigation into the unauthorized delay of the funds transfer, including a clear explanation for the suspension and subsequent release of the transaction.
2. Disclosure of the specific policy or procedure that justified the suspension of the funds transfer, as referenced in the initial email communication.
3. A formal acknowledgment of the discrepancy between the " Funds Availability Policy '' and the actual customer experience, accompanied by concrete steps to ensure accurate representation of services to customers.
4. Full and immediate compensation for the unearned interest resulting from the unauthorized transfer delay, consistent with Webster Bank 's commitment to equitable treatment of its customers.
5. An assurance of enhanced transparency, communication, and accountability in handling similar issues in the future, aligning with industry best practices and regulatory standards.
Furthermore, we would like to draw your attention to the provisions outlined in the United States Code, specifically 12 U.S. Code 1818, which addresses the potential imposition of civil money penalties for violations. While we hope to avoid such an outcome, it is crucial for Webster Bank to address these concerns promptly to maintain customer trust and regulatory compliance.
Thank you for your immediate attention to this formal complaint. We anticipate a prompt and substantive response detailing the actions Webster Bank intends to take to address these concerns and ensure a more transparent and accountable approach to customer service.
Sincerely, XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6393450
|
2023-01-03
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Checking account
|
| Date Received |
2023-01-03
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-03
|
| Consumer Consent Provided |
N/A
|
|
|
6492013
|
2023-01-26
|
Money was not available when promised
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Money was not available when promised
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Domestic (US) money transfer
|
| Date Received |
2023-01-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-26
|
| Complaint What Happened |
On XX/XX/23 I went to XXXX XXXX in XXXX CT. I asked for a domestic wire transfer to XXXX XXXX in NY acting on behalf of XXXX XXXX XXXX XXXX and a foreign transfer to their lawyers in XXXX XXXX, XXXX. The information that was provided to me to initiate the transfers was from XXXX XXXX where I have a trust in XXXX. At over XXXX hours neither recipient had received the funds. What was most concerning was that the XXXX could not provide me with any documentation on the status of the wire. I use XXXX now known as XXXX. If a similar situation occurs where a recipient denies receiving the wire, they provide me with a full report with exactly where the funds went ie which bank, which account etc. I am appalled that XXXX not only is unable to do this but can provide no pertinent information as to the status. I am selling our home in XXXX which is in the trust and am unable to close until these fees have been received.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6238463
|
2022-11-23
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Banking errors
|
| Sub Product |
Checking account
|
| Date Received |
2022-11-23
|
| Submitted Via |
Phone
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-23
|
| Consumer Consent Provided |
N/A
|
|
|
6836822
|
2023-04-12
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Funds not handled or disbursed as instructed
|
| Sub Product |
Checking account
|
| Date Received |
2023-04-12
|
| Submitted Via |
Web Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-16
|
|
|
11100341
|
2024-12-10
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-12-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-10
|
| Complaint What Happened |
I made the mortgage payment to Webster Bank on the XXXX XXXX XXXX. My paying bank, XXXX shows the payment being received ( processed ) by Webster Bank on the XXXX. Webster Bank charged me a late fee claiming it was not received until the XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6659209
|
2023-03-08
|
Managing an account
|
Checking or savings account
|
|
| Tags |
Older American
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem using a debit or ATM card
|
| Sub Product |
Checking account
|
| Date Received |
2023-03-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-08
|
| Complaint What Happened |
I was a victim of a scam I immediately contacted my Bank and asked for help because the charges were pending they would stop or take action to protect my account/monies It took three days to post and by that time my money was gone XXXX I opened a dispute but they denied it saying it was my fault because I did what person calling told me to do When I got the letter from the bank denying I called again and ask to reopen they did that but denied again The other party involved in this scam is called XXXX XXXX I have filed a complaint against them as well I am a XXXX XXXX on a fixed income the compliant ID associated with this issue is XXXXBoth parties have denied my dispute each time I have tried to resolve they say it was fault because I followed the instruction I was giving by the person who called I am at a loss
|
| Consumer Consent Provided |
Consent provided
|
|
|
7222017
|
2023-07-08
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Checking account
|
| Date Received |
2023-07-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-08
|
| Complaint What Happened |
On XXXX I had two transactions come through my account that required my overdraft protection to be used. The money was transferred and items were paid. The next day I got an email that I would be getting two overdraft fees for these items despite the fact that they were paid.
Their overdraft protection policy is that no fee is assessed when it is used to cover transactions as you will be charged interest for the amount used.
I was assessed 2 fees and reached out for an explanation which did not make sense. I asked for further explanation and continue to wait. I do believe that this bank is charging consumers unnecessary fees to inflate their revenue.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7323501
|
2023-07-29
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2023-07-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-29
|
| Complaint What Happened |
I bought my house XX/XX/XXXX On XX/XX/XXXX I met a man named XXXX XXXX who committed mortgage fraud, identity theft, mail fraud, tax fraud and marriage fraud.
And still up to this date impersonating me and misusing my personal information to continue committing crimes against me.
I have reported the crime to the authorities and the IRS and every company I can think of reporting this crime.
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6279677
|
2022-12-02
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Banking errors
|
| Sub Product |
Savings account
|
| Date Received |
2022-12-02
|
| Submitted Via |
Web Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-05
|
|
|
6227159
|
2022-11-22
|
Problem caused by your funds being low
|
Checking or savings account
|
|
| Issue |
Problem caused by your funds being low
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Overdrafts and overdraft fees
|
| Sub Product |
Checking account
|
| Date Received |
2022-11-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6182055
|
2022-11-09
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Savings account
|
| Date Received |
2022-11-09
|
| Submitted Via |
Web Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-06
|
|
|
6164863
|
2022-11-05
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem using a debit or ATM card
|
| Sub Product |
Checking account
|
| Date Received |
2022-11-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-05
|
| Complaint What Happened |
I been a XXXX with Webster bank now for years and a month ago I had a name change. Well I didnt go to my normal bank I went to XXXX XXXX branch. I passed my XXXX and debt cards which was my old one. I stated heres my new one I had a name change. She refused to give me my old card back also my XXXX and new debt card after I was looked at like I wasnt a member of their bank. Well I left and next day go to use my card at atm and my account has been closed with my permission or any explain! I am very upset
|
| Consumer Consent Provided |
Consent provided
|
|
|
5989437
|
2022-09-16
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Transaction was not authorized
|
| Sub Product |
Checking account
|
| Date Received |
2022-09-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-16
|
| Complaint What Happened |
On XX/XX/XXXX, I made a transaction with a company called XXXX XXXX. The company stated in order for me to receive a refund, I needed to cancel the service within 3days. Service was cancelled the same day and the company agreed to refund me the amount of {$380.00}. I filed a dispute on XXXX in regards to a charge of XXXX from a merchant XXXX XXXX APARTMENTS. I filed a dispute because the merchant stated in XXXX they will refund me the amount and i should wait 30days. After waiting until the end of XXXX and not receiving the check, I contacted Webster Bank to inform them of the situation and told them I would like to dispute the transaction because the merchant stated they will refund me and never did.
Webster Bank initiated the dispute and provided me with provisitional credit.
In XXXX I received a call from XXXX XXXX stating they will not be refunding me anymore because they received documents from Webster Bank stating I was disputing the transaction. Mind you I have back and forth emails between the merchant and I. Merchant kept lying to me stating they were mailing me a check and didn't.
On XX/XX/XXXX, {$380.00} was debited from my checking account from Webster Bank in regards to my dispute. They stated my dispute was denied because I didnt provide the documents they requested. I informed Webster Bank that I never received any documents from them because I am currently not at the address they sent the documents to. I explained to them I go to school in a different state, ( TEXAS ) and I am currently in Texas until XXXX. I told Webster Bank I wasn't aware they were sending me documents. I proceeded to update my mailing address after I gave it to them previously. I requested they reopen the case since I never received the documents they sent me.
On XX/XX/XXXX at XXXX I spoke to XXXX in the dispute department she informed me the dispute that was reopened was denied because I didn't send the information the first time they requested. I informed her again that I never received the documents! She proceed to tell me there's nothing she can do and I need to contact the merchant. The merchant told me because I disputed the transaction, they can not send me the check anymore. But the same Merchant previously lied and told me they already sent me the check back in XXXX but NEVER DID.
On XX/XX/XXXX I faxed Webster Bank informations between the merchant and I. I faxed them email of me requesting my Money from the merchant and the responses from the merchant as well.
Now {$380.00} is missing from my account and the Merchant is refusing to refund it now and Webster Bank IS TELLING ME there's nothing they can do!
|
| Consumer Consent Provided |
Consent provided
|
|
|
5817589
|
2022-07-27
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Other banking product or service
|
| Date Received |
2022-07-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5750412
|
2022-07-08
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2022-07-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5517851
|
2022-04-29
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
WEBSTER BANK, NATIONAL ASSOCIATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-04-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-29
|
| Complaint What Happened |
I have 30 yr fixed mortgage for which I have been paying PMI since the loan originated in XXXX. I took few months of forbearance during COVID in XXXX. Currently I am trying to remove the PMI as my LTV is at 80.5 %. I was advised that even if I paid down to 80 % LTV, I would still not be eligible for PMI removal due to " late payment '' within past 24 months as it relates to my forbearance. Aside from forbearance, all my payments have been on time. The company is quoting Homeowners Protection Act : " A borrower has a good payment history if the borrower : ( 1 ) has not made a payment that was 60 days or more past due within the first 12 months of the last 2 years prior to the later of the cancellation date, or the date that the borrower requests cancellation ; or ( 2 ) has not made a payment that was 30 days or more past due within the 12 months prior to the later of the cancel- lation date or the date that the borrower requests cancellation. '' Nowhere in the act mentioned that forbearance is to be considered as late payment. The forbearance does not affect my credit therefore it has no bearing in being considered as late payment.
|
| Consumer Consent Provided |
Consent provided
|
|
