- Report: #437353
Complaint Review: Crescent Bank And Trust - New Orleans Louisiana
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Crescent Bank And Trust
PO Box 60048 New Orleans, 70160 Louisiana, U.S.A.
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Crescent Bank And Trust Crescent Bank & Trust, NO BUSINESS ETHIC, HARRASSING, AND THREATENING! New Orleans Louisiana
*Consumer Suggestion: What Do They Teach in Schools These Days?
*Consumer Comment: I don't get it.
*UPDATE EX-employee responds: Yes, please do not do business with this Bank if you do not intend to pay your bill on time or in full
*UPDATE EX-employee responds: Yes, please do not do business with this Bank if you do not intend to pay your bill on time or in full
*Consumer Comment: Yes, What Do They Teach In School These Day?
*Consumer Suggestion: Ask the debt collector about third party disclosure
My husband and I have two loans through Crescent Bank. The first was in my husbands name and the second is in my name. 2 years ago, my husband got into an accident with his cadillac and it had to be totaled. After the insurance company paid for the majority of the balance, it still left us with a $1000.00 debt. My husband at the time informed Crescent that he would make a payment of $50 a month which would be sent via money order because we don't do checks or credit cards. He was told that would not work and he told them that if they would not work with him then he would not make the payments any other way. Since then, he has had to quit his job because of a medical condition for the military and I am now his fiduciary for his VA funds because he has been deemed incompetent to handle his finances.
Well, today he received a call from a "Rep" to inform him that he now owes $1600.00 and needs to pay this - understandibly so! Well if Crescent had been willing to deal with him 2 years ago, the debt would have been paid by now. Needless to say, the "lady" - and I use that loosely, was compliant to work out a payment arrangment with him over the span of a year, however, I handle his VA funds so he is not authorized to make decisions like this, I am. He needed to let me know what was going on, and in telling her this, she got irrate with him. I got on the phone and explained the situation with his VA issue and so forth. She proceeded to tell me that the debt payment option was necessary and she would need my bank account info. She also said bluntly that he is a "dead beat" for not paying the remaining balance. He had tried to make a deal before, and now his character is being questioned? After a lot of back and forth jargin, she told me I was a liar about my husbands condition, because my mother-in-law, that she called earlier that day, didn't mention anything about his mental status. Is she suppose to?? Not even close!
I have no job right now, yet my husband's funds pay for our vehicle now through the same stinkin' company. She had the audacity to ask me how this company would allow two loans when I have no job. I just lost my job 2 weeks ago. It's hard enough to deal with a disabled husband, with the finances being totally on me and I have to relay all debt information to VA before I can even go through with repaying anything back..
After a few times of her telling me she was putting me on hold, and didn't, I heard the entire converstion she was having with another associate, she said, I wonder what her mother-in-law would think about all of this, I told her she would not get any account info from me and she threatened to tag my bank account, his va funds, and call my mother-in-law to ask her about his condition because she didn't believe me. One thing she said that stuck out the most was " Who has determined his medical conditon...you?" I would give anything to have my husband back to the way he was, He is 100% disabled and only 35 years old. He fought for her stinkin' freedom and she has the nerve to question me as well. She surely needs to be removed!
I will be making a once a month payment to them with a money order and that's all I'm giving them, I've already reported them to BBB and the Attorney General's office. Don't do business with these people ever!! Some of the other stories I've read here I've dealt with too, yet this was the last straw for me.
Shannon
Woodlawn, Tennessee
U.S.A.
Well, today he received a call from a "Rep" to inform him that he now owes $1600.00 and needs to pay this - understandibly so! Well if Crescent had been willing to deal with him 2 years ago, the debt would have been paid by now. Needless to say, the "lady" - and I use that loosely, was compliant to work out a payment arrangment with him over the span of a year, however, I handle his VA funds so he is not authorized to make decisions like this, I am. He needed to let me know what was going on, and in telling her this, she got irrate with him. I got on the phone and explained the situation with his VA issue and so forth. She proceeded to tell me that the debt payment option was necessary and she would need my bank account info. She also said bluntly that he is a "dead beat" for not paying the remaining balance. He had tried to make a deal before, and now his character is being questioned? After a lot of back and forth jargin, she told me I was a liar about my husbands condition, because my mother-in-law, that she called earlier that day, didn't mention anything about his mental status. Is she suppose to?? Not even close!
I have no job right now, yet my husband's funds pay for our vehicle now through the same stinkin' company. She had the audacity to ask me how this company would allow two loans when I have no job. I just lost my job 2 weeks ago. It's hard enough to deal with a disabled husband, with the finances being totally on me and I have to relay all debt information to VA before I can even go through with repaying anything back..
After a few times of her telling me she was putting me on hold, and didn't, I heard the entire converstion she was having with another associate, she said, I wonder what her mother-in-law would think about all of this, I told her she would not get any account info from me and she threatened to tag my bank account, his va funds, and call my mother-in-law to ask her about his condition because she didn't believe me. One thing she said that stuck out the most was " Who has determined his medical conditon...you?" I would give anything to have my husband back to the way he was, He is 100% disabled and only 35 years old. He fought for her stinkin' freedom and she has the nerve to question me as well. She surely needs to be removed!
I will be making a once a month payment to them with a money order and that's all I'm giving them, I've already reported them to BBB and the Attorney General's office. Don't do business with these people ever!! Some of the other stories I've read here I've dealt with too, yet this was the last straw for me.
Shannon
Woodlawn, Tennessee
U.S.A.
6 Updates & Rebuttals
Thecreditdiva
Nashville,Tennessee,
U.S.A.
Ask the debt collector about third party disclosure
#2Consumer Suggestion
Sun, April 26, 2009
Ask the debt collector next time she threatens to tell things to mother in law or anyone else, about third party disclosure. They can only leave messages with other people they call when trying to find you. They cannot disclose or discuss your personal business with other parties. As far as getting back on track with your credit raiseyourscoretoday.com For all the negative responses, people are having a hard time recently. $50.00 a month is a lot for most people now days to pay for something they don't have and has no value to you. Pay what you can. Good luck
Cory
San Antonio,Texas,
U.S.A.
Yes, What Do They Teach In School These Day?
#3Consumer Comment
Thu, April 16, 2009
It can't be reading comprehension. To the guy who said they might come repo the vehicle. Didn't you read where the vehicle was TOTALED? Yeah, tell them to come repo the vehicle. If they can find it in some junkyard. I'll bet they take the $50 a month now. Make sure you get some form of document FROM THEM, BEFORE, agreeing to take the reduced amount and keep records of all payments. If they try and take you to court, no judge is gonna allow them the $600 in interest and penalties, MAYBE a little interest, but not $600. Good luck and screw the other morons.
Anonymous
Chalmette,Louisiana,
U.S.A.
Yes, please do not do business with this Bank if you do not intend to pay your bill on time or in full
#4UPDATE EX-employee responds
Thu, April 16, 2009
Give me a break lady! You and your husband should have been fighting with the insurance company for not covering the balance on your loan. Why would you allow them to short the payoff? Insurance companies are putting the "screws" to people and financial insitutions by shorting payoff amounts due to the "actual worth" of the vehicle when it is totaled. Why don't you call the insurance company (and file a complaint against them while you are at it) and get a refund of the "over-charge" in your premium you paid all those years if your car wasn't worth the premium you were charged? Forward your refund to the Bank to cover the balance and and additional interest that accrued and stop complaining about a debt that you owe the Bank. Maybe they will even be willing to open a checking account for you so you can deposit your refund check!
Anonymous
Chalmette,Louisiana,
U.S.A.
Yes, please do not do business with this Bank if you do not intend to pay your bill on time or in full
#5UPDATE EX-employee responds
Thu, April 16, 2009
Give me a break lady! You and your husband should have been fighting with the insurance company for not covering the balance on your loan. Why would you allow them to short the payoff? Insurance companies are putting the "screws" to people and financial insitutions by shorting payoff amounts due to the "actual worth" of the vehicle when it is totaled. Why don't you call the insurance company (and file a complaint against them while you are at it) and get a refund of the "over-charge" in your premium you paid all those years if your car wasn't worth the premium you were charged? Forward your refund to the Bank to cover the balance and and additional interest that accrued and stop complaining about a debt that you owe the Bank. Maybe they will even be willing to open a checking account for you so you can deposit your refund check!
John
Califon,New Jersey,
U.S.A.
I don't get it.
#6Consumer Comment
Thu, March 26, 2009
Since you clearly were paying for a loan and or lease, your monthly payment had to easily be a couple hundred dollars. You then only offer a measly $50/month to pay off the balance after insurance? I wouldn't have 'worked' with you either. You could afford the Cadillac before but couldn't after it was crashed? Your claims are ridiculous.
Jim
Orlando,Florida,
U.S.A.
What Do They Teach in Schools These Days?
#7Consumer Suggestion
Wed, March 25, 2009
You don't "do" checks? Its I don't "use" checks. Why not? Can't get a checkingt account? This stuff of using stupid money orders, is indeed stupid. Get a checking account. Get into the REAL world of finance and grow up. You signed a contract to make every payment on time, every time. Remember when you signed those papers or didn't you read them? They have the right to accept payment in whatever form they want. Go ahead and violate the contract. Then you can post another complaint when they pick up the car and you can say its "their fault". The BBB and A/G must have had a few good laughs!
