ComplaintsforCity National Bank & Trust

• Initial Complaint

  06/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My dad ********************* died on September 3, 2019. I am trying to determine:1. If City National Bank had an account for my dad?2. Was this a joint account with another person? What is the name of this person?3. What was the balance in that account on the date of dad's death?4. What is the current status of the account with City ********************** Bank?

  Business response

  06/30/2023

  Please see attached.

  Due to privacy laws, we are unable to provide information to non- account signers. If you have reason to believe your father has an account with us, we will need a properly executed subpoena. Upon receipt of such, we will provide the requested information.Thank you for giving us the opportunity to respond.  

  Customer response

  07/04/2023

  
  Complaint: ********
  
  I am rejecting this response because:  A Comanche County District Court subpoena in the case entitled Estate of *********************, Docket number **********1 has already been served on the ***** of ******* otherwise known as City National Bank, ******, ********.
  
  Sincerely,
  
  *********************

• Initial Complaint

  02/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have reached out to CITY NATIONAL BANK. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. CITY NATIONAL BANK you are furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies (a)Duty of furnishers of information to provide accurate information 1) Prohibition (A)Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.Duty: a moral or legal obligation; a responsibility Accurate: correct in all details; exact.Prohibition: a law or regulation forbidding something As Defined by The *** Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The *** Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!Account Number: *********

  Business response

  02/09/2023

  Please see attached document.

  *************************
  9621 *********
  **********, ** 35215
  CITY NATIONAL BANK
  500-600 D AVENUE
  ******, ** 73502
  DATE: 02/02/2023
  Re: Account Number: 10042****
  Validation of a Debt Request Pursuant to 15 USC 1692g.
  BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC
  1692g stating your claim is disputed and validation is requested.
  This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to
  the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any
  legal obligation to pay you.
  At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit
  bureaus (Experian, Equifax or TransUnion) this action may constitute fraud under both Federal and State Laws. Due to this
  fact, if any negative **** is found on any of my credit reports by your company or the company you represent, I will not
  hesitate in bringing legal action against you and your client for the following: violation of the Fair Credit Reporting Act,
  violation of the Fair Debt Collection Practices Act, and Defamation of Character (per se).
  If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least
  30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this
  validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with
  my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be
  inaccurate or invalidated.
  If your office fails to respond to this validation request within 30 days from the date of the **** certified mail receipt # ****
  2410 **** **** ****, all references to this account must be deleted and completely removed from my credit file, and a copy
  of such deletion request shall be sent to me immediately.

• Initial Complaint

  11/06/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Between the end of 2018 and the beginning of 2019, I had moved my main bank to one closer to my home state, Texas. I had tried to move over $1,000 (in my savings) that was left in the account with city national bank but was told that the account was closed. I didn’t understand so I at the time I had tried to get help to see where the money went but they just kept telling me that the account was closed so I couldn’t get my money out at all. None of this sounded legal to me at all and I would’ve asked for legal help at the time but I was being prepared for boot camp around that time. In relation to the Desired Resolution, if my account can somehow be found, I’d really appreciate receiving the rest of the money I had left.
  

  Business response

  11/07/2022

  Please see attached reply.

• Initial Complaint

  10/05/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I walked into the bank and closed both my checking and savings accounts. J wasn't offered a reason why I had been charged ATM fees repeatedly during my time with them. Not only weren't my accounts closed. I Also received additional charges and continue to receive the ATM fees even though I haven't incurred those fees
  

  Business response

  10/12/2022

  The checking and saving accounts in your name were closed on 10/6/2022 upon receipt of this complaint.

   

  As a customer courtesy, the 11 $1 ATM Denial Fees which accrued during the period of 9/28 10/6 have been refunded to the account. These fees are charged whenever a Debit Card is swiped, a merchant attempts to charge the card for things such as subscriptions, or auto payments and funds are not available. This fee, along with many others, is disclosed at the time of account opening.

   

  Thank you for giving us the opportunity to respond. CNB appreciates our customer relationships and we strive to offer customer service at its best. Please feel free to contact our customer service representatives at **************, Monday through Friday, 8AM to 7PM CST, and Saturday, 9AM to 4PM CST, excluding federal holidays.

   

  Thank you,

• Initial Complaint

  06/22/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  They have been stealing my Social Security money so I end up homeless. These transactions take too long to settlement and the information is ALWAYS misleading. I deserve a refund for $216 from Grey Hound and ********* $310 immediately.

  Business response

  06/30/2022

  We are in receipt of case # ********. ********************** filed disputes on 5/31 for the transactions referenced in the complaint, however, these disputes are for transactions that were authorized, so Regulation E rules do not apply. On 6/1 and 6/14, we sent ********************** letters requesting additional documentation that is necessary to process his dispute. We still have not received the additional documentation needed to file a chargeback with Visa.

  Mr.Corneliuss disputes are still open at this time.  In order to process the disputes, additional information is needed from ********************** regarding what has been done in attempt to resolve this issue directly with the merchants, including the exact date(s) the merchants were contacted regarding these charges. We also need information about the products or services, such as a detailed description of what was ordered from the merchants. If ********************** can provide a receipt or confirmation email that includes this information, this would support his claims. We will also need a **** or account details showing that an outstanding balance is not owed. Additionally, if ********************** has any documentation such as emails, chat logs, or other correspondence, we will need them as support for this claim. Lastly, we will need ********************** to provide a copy of the terms and conditions of the contract, return policy, or 100% money back guarantee from these merchants, as this will support his claim. We are needing this information as soon as possible. If we do not receive this documentation within 90 days from the date the dispute was filed, the dispute will be closed.

  Thank you for giving us the opportunity to respond. CNB appreciates our customer relationships and we strive to offer customer service at its best. Please feel free to contact our customer service representatives at **************, Monday through Friday, 8:30AM to 6PM CST, and Saturday, 9AM to 4PM CST, excluding federal holidays.

• Initial Complaint

  04/14/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I closed my account through the mobile banking app on 1.18.2022 for the checking ending in **** and received confirmation of closure. On 1.20.2022 the account was in a overdraft in the amount of ***** which was not authorized . I have received notification via mail regarding collections. possible lawsuit, garnished wages and credit impact I do not owe this amount my account was already closed and confirmation provided on 1.19.2022 . I am requesting the company waive the amount and close the account.

  Business response

  04/20/2022

  We are in receipt of case # ******** and we have completed a thorough review of our customers situation. We can confirm that we received a request from Ms. ****** to close her account on 1/19/22, and a request to close her account was submitted to our back office the same day. It can take up to 3 business days for an account to fully close out.
  
  On 1/21/22, a payment to ADT came out of the account, and was paid. On 1/25/22, Ms. ****** contacted us several times regarding the charge. After speaking with a supervisor in ***************** all bank fees received on the account after 1/19/22 were refunded, and Ms. ****** stated that she had spoken with ADT, and they would refund the amount of the charge that was paid out of the account on 1/21 back into the account. Ms. ****** was advised that once the amount of the charge was refunded back into the account,it would be at a $0.00 balance, and the account would close out.
  
  According to our records, the amount of the transaction charged by ADT was never refunded back into the account, so the account was never fully closed. On 3/23/22, the account had been overdrawn for more than 60 days, so it was closed and sent to our collections department.
  
  As a customer courtesy, we refunded the amount the account was overdrawn, and the account is now closed. This account was not reported to Ms. ******s credit as an account in collections.
  
  Thank you for giving us the opportunity to respond. CNB appreciates our customer relationships and we strive to offer customer service at its best. Please feel free to contact our customer service representatives at **************, Monday through Friday, 8AM to 7PM CST, and Saturday, 9AM to 4PM CST, excluding federal holidays.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩