Worst company i have ever dealt with. I don't understand how they are still in business. Ive had my loan for 2 years now and 75% of all my payments have went to interest only. Nothing towards principle. I pay370 a month and i have only bought my balance down by a lil over $500. They start harasseing you the day your bill is due. Cust service is rude and they try to threaten with repossession every other time i speak to them.
I'm not sure what is there address but it doesn't really matter. what matters is what they are...
13 days ago my car was repossessed by Crescent Bank and Trust, when I called to see how to get my car back I was yelled at for not paying my loan. I decided not to yell back because it would not get my car back any faster. I filled out all of the paper work they request, jumped through every hoop the set in front of me. It took them four days to decided if how I was to get my car back. They made the decision at 3:30pm (on the west coast, 5:30pm their time) that I needed to pay the loan off and when asked why they took the car they told me it was from not paying my loan. When they finally told me why they took it, it was from missing two payment in 2009 and that I have a lot of interest accrued. They told me the only way to make the payment was via Western Union or by Money Gram, my father was lending me the money to pay them off. We had to drive to LA to get the money transferred from his account to Crescent Bank. I called to get the routing number for the transfer and they refused to give it to me. Stating that the agreement was to make the payment through Western Union or Money Gram. I was not about to withdraw a large amount of money and then walk around with that much cash. After 20 minuted on hold they finally gave me the routing number. The money was to be transferred the next day, I called three to four times a day to see if the money was received. It took them four days to say the money was received. In the mean time I was accruing storage fees and rental car fees.
To get a hold of someone at the bank is hard, no one answers the phone and when they do they are rude. It took a call to a supervisor to get them to release my car.
This company seems to do this to a lot of people...they should be closed
Cresant Bank is the worse loan institution I have ever had the miss fortune of dealing with. When will the Federal Government do something to control these people. I have never been treated so rudely. They act like we are worse then what you read about loan sharks. I feel like I am dealing with a check cashing company. I would advise everyone to boycott this company. It would be nice if everyone of them lost their jobs and collection agents were calling them. I truly believe these people love to terrorize and antagonize people. Their qualification for employment must be rude, mean, and nasty. They will call any number and call you on it whether it is your phone or not. They will even leave threatening messages on other peoples phones. I know this is not legal but they always get away with it. We should unite and stand together against them. Maybe as a group we would stand a chance.
We had a loan with this bank for over 3 years we had 10 payments left to make. We were 36 days late which I know is our fault but they refused to work with us and repossesed the car. This company will send out a person to take the car in the middle of the night and then turn around and call you the next day for a payment. Please beware of them! If you can find financing with another bank I advise you to not stay with Crescent Bank. The people are rude and will threaten you verbally.
I came to the search engine in order to find their phone number to contact them on a refund issue and I learn that they are a rip off company. I am truly disappointed. Now I do not know what to do about this situation; do I continue to make my car payments to them? I knew something was fishy about them. When I purchased my vehicle I paid down a large amount of cash and the price on the car went up instead of down.
Crescent bank is the most unprofessional and most rudest un pleasant people i have ever done business with. Over two years ago my husband took a loan out and Crescent bank was the bank who was financing our loan. Less then 6 mos into our loan my husband became unemployed and we fell slightly behind on the loan by slightly I mean less then 15 days past due the loan was always paid every month but isf you are even just one day behind on your loan they will start calling all your references on your original loan app. and harass them they will harass your family numerous times a day they call your job until they get through to your boss and they tell your boss your behind on your auto loan. They have insulted my family members numerous times they have called my in-laws and demanded payments or they would go into there bank acct cause they said they could legally do that even know they were not at all on the loan. recently they repoed the car for being 13 days down my payment is $450/mo and they want over $2000 to release the car all in fees. I don't know how this bank is getting away with the things they are doing . I have filed a complaint with the Attorney General hopefully it will do some good. Be ware of Crescent Bank Please don't give them your business you will regret it.
***** YOU CAN MAKE A DIFFERENCE WITH A LETTER *****
To make a long story short... I was working with an AWESOME rep from CB&T. She is located in Virginia. She worked with me as I kept her updated on my situation. She even helped me get my loan modified!!! ASK ABOUT THIS OPTION! ASK ABOUT EXTENSIONS!! Then suddenly, my account gets transferred to the Louisiana office. Generally speaking, these people SUCK! They are rude and just pushy "collections" people. They have NO courtesy or compassion.
I am here to tell you... DOCUMENT your experiences with date, time, names and phone numbers they call from. WRITE A LETTER with your experiences in chronological order. SPECIFICALLY state how the experiences made you feel, how the calls/information/service violates your rights as a consumer.
Let them know you WILL PURSUE LEGAL ACTION for every violation under FAIR DEBT COLLECTIONS PRACTICES ACT, TITLE 15, CHAPTER 41, SUB CHAPTER V, SS 1692 A-P, which is punishable by $1, 000 per violation (i believe).
State you will document ALL COMMUNICATION from there on out and should their threats/intimidation continue, you will pursue legal action to the fullest extent of the law. Your letter serves as a warning to them and notifying them how much you are aware of YOUR RIGHTS!
DON'T BE A VICTIM!!! STAND UP AND PUT THEM ON NOTICE!
You must have everything documented. YOU DO NOT HAVE to divulge your personal information OR your personal problems to anyone. IT IS ILLEGAL FOR THEM TO ASK THOSE KINDS OF QUESTIONS. Its none of their business! THE CANNOT THREATEN YOU, if they have no REAL INTENTION of pursuing the threat. I.E. They can't say they are going to repo your vehicle and not do it. THEY CANNOT CALL YOU AT WORK IF YOU TELL THEM NOT TO. THEY CAN CALL YOU 20 TIMES IF YOU DONT ANSWER. ANSWER THE PHONE. Document the calls! Its in your benefit. Maintain communication with a rep you feel comfortable with. Refer others reps to the primary person you deal with. A good rep will work with you.
After I wrote and faxed my letter... It took over a week for a response and I must say, I was given a nice apology with a confirmation of receipt of my letter. My requests were respected and agreed upon. :) They now know not to mess with me. I am armed with my rights! :)
HOPE THIS HELPS!!
GOOD LUCK TO YOU! :)
I have worked in collections, during my life time. However; never have a experienced such unprofessional ethics. There was a message left on my employer's voice mail stating that I was 14 days past due in making my truck payment. Which is so embarrassing #1, but #2 with my last payment I enclosed a note stating that I would be making another payment on 4/10/09 which is tomorrow. Then they called back and after being told they could not speak to me due to the fact that we can not receive personal telephone calls. (which they have been told before in writing as well as verbal) The representative known as WANDA only asked to speak with personnel, so that she could verify my employment. WTH?
I like many others who have posted, have NEVER received a statement, didnt even know I should be getting one, since I have asked several times for an payment book in the last two and half years. I have still not received. I just simply put a check in a envelope with my social security number on the check as a previous representative had instructed me to do and mail it like that.
The people who at Crescent Bank and Trust are rude and are quick to take your car away for one month behind...
This company has called my job and family members explaining that I was late only 30 days. Asked if my family members, could they help me get caught up. I had requested that the car be picked up several times and no has attempted to come and get the car yet. I no longer want to be involved or deal with a company that call and give out personal information. this should be against the law for them to do such things.
The worst bank ever. My husband and me both have accounts with them, but my husband and me have different bank accounts. When he paid his car, they deducted the payment from my bank account. To make a long story short - the so called 'collections manager', did not know her right hand from her left hand. I felt like I was talking to a 10 year old spoiled girl with no brain. After explaining the situation 20 times, she decided to keep my money on hold and not credit me. My bank account went overdraft because I had charges going in, and in overdraft charges alone not counting the payment deducted without my authorization, there are $250 at least. This all happened while I was on vacation with my 3 kids after working one year. As of today, she still has not credit my account, and they were so ridiculous to ask me to borrow the money from my husband then. I will send a certified letter to a BIG manager there with proof of their unethical practices and will also refere them to the BBB. Sweetie find another job at a local candy store.
I have my vehicle financed thru Crescent Bank & Trust. I have never been late on a payment. When Houston got hit by Hurricane Ike I called the bank to see if they would defer my September payment because I was unable to work due to downtown being closed. They said sure not a problem, (called on September 22 my payment is due on the 28) Now I get a call today October the 15 stating that they are refusing to defer any payments and i need to make September's payment now and Octobers payment is also due now to. I think they really need to get there ---- together. They of all people should know how bad it gets after a hurricane and i am sure they all needed a little help during that devastating time so why can't the return the favor? I don't think they give a crap about there customers all they want is there money and they don't care what the circumstances are. I will not do business with them again and if i could get my vehicle refinanced somewhere else i would do it in a heart beat.
I just received a car loan from this same bank in June of 08. These rude people at this bank will call you if you are 10 days late. It will always be by a rep that threatens to reposes your car after 30 days. One of the reps had the nerve to ask me why my payment had not been made. She then went on to say that it is her right to ask me that and that she was the Lien Holder on my acct and that I better respect her. I called the company that I got the car from and ask them what kind of company did they get me involved with?
They stated that they did not know of such an idea of them taking your car after 30 days of non-payment (which I have not been late) nor for them to be so Rude when they call. I am trying to refinance my car with someone else right now. Otherwise I am gonna return my car to them.
I can't take 5 years of this from anyone...
Cresent bank employees are very rude and unprofessional. They call and talk to you as if your nobody, quick...