Payday loan, title loan, personal loan, or advance loan -- Problem when making payments -- Complaint #8135959
Complaint Overview
Complaint ID: 8135959
Company: Nbt Bancorp INC.
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Problem when making payments
State: Texas
ZIP Code: 75002
Date Received: 2024-01-09T12:00:00-05:00
Date Sent to Company: 2024-01-09T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
From NBT Bank- Got a personal loan almost 2 years ago, I always pay early. Been working hard to get my credit rating XXXX. About XX/XX/2023 something happened at NBT Bank. Although I make my payments early and the withdrawal is taken out of my checking account, NBT Bank for the past 4 months has sent me letters stating they did not get my payments and are charging me a {$5.00} late fee. I have called several times and even sent copies of my bank account showing the payments have been made- the first {$5.00} late fee was refunded but still have 3 more. Getting really tired of calling the Customer Service number, showing my account proving I made the payments on time, and repeating this action on a monthly basis and still getting late fees and possibly ruining my credit rating.
Frequently Asked Questions
What is Complaint #8135959 about?
Complaint #8135959 was filed against Nbt Bancorp INC. regarding Payday loan, title loan, personal loan, or advance loan specifically about Problem when making payments. It was received by the CFPB on 2024-01-09T12:00:00-05:00.
How did Nbt Bancorp INC. respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Nbt Bancorp INC.?
Yes, visit the Nbt Bancorp INC. company profile at readthecomplaint.com/company/nbt-bancorp-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.