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Complaint Details
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Initial Complaint
05/01/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This collection from 12 REPUBLIC BANK TRUST CO was not authorized to be on my credit report. This is fraudulent and a violation of my consumer rights and I demand this account to be removed. I’m not liable for this debt. It says it was opened on 02/26/2024for $3,678.00 with account numbers starting with ********.
Business response
05/10/2024
Please see the attached response.Initial Complaint
02/19/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
When filing my tax return with ********** they use Republic Bank and the fees are charged through Republic Bank I was charged 54.99 to have my refund direct deposited and the funds were never direct deposited, I have received both my state and my federal returns in paper form. When contacting ****** they put all the blame on Republic bank for taking the funds for this service out of my state return without it being direct deposited. Then the people working with them give out a phone number where you can't contact someone to speak about this complaint.Business response
02/28/2024
Please see the attached response and documentation.Initial Complaint
02/05/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I wanted to bring to your attention an urgent matter regarding my extremely delayed tax refund for the year 2021. After speaking with multiple supervisors from both the IRS and Tax Act, it has been confirmed that my refund of $6000+ is currently being held by Republic Bank. However, they haven't issued the refund back to the IRS for almost two years! Which is causing a delay in receiving it even after the irs has sent multiple requests for it to come back. I'm reaching out to you in the hopes that we can find a solution to this issue as soon as possible. It's been quite a frustrating experience, with both parties pointing fingers at each other. I’ve spent countless hours on the phone trying to get this resolved and truly believe republic bank should be offering compensation for the hours upon hours of inconvenience. I really just want this settled as soon as possible so I can get past this nightmare.Business response
02/14/2024
Please see attached response.Initial Complaint
02/01/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
So I filed my taxes and used this company as the loan and what not place. I paid 54.95 for assisted return. Which means the fees and such would come out of my federal return. However I get my state return today and it's very short. It's $914 short. I didn't pay a fee to have them take the money out of my state refund when I was clearly told it would come out of my federal return. Nothing on their site said my state return would be taken to pay fees. Everything said federal.Business response
02/09/2024
Please see the attached response.Initial Complaint
01/26/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
On 1/13/2024 I filed for a refund advance loan through ******* ****** just like I have for many years before and have been approved but this time I was not approved and was still charged for the refund assist that was not given to me. I am unsure why I was told by ******* ****** that your criteria and nothing in the criteria has change except my credit has improved since last year and I now reside in Texas and my location should have nothing to do with that. I don't owe tax my student loan is not in default I do not owe child support. So it makes no sense to me why i was denied. I also have a claim against ******* ****** for misinforming me that I could get a refund advance after I was denied for a holiday advance. Because in all actuality for some unexplained reason I was denied for the tax season in December that I was going to be denied for unexplained reason in January with my w2s. That should be stated so that people are not conned into paying both you and ******* ****** for these advance that you are not going to give to some for not explained reason after you have done it for several years before. So it was either the amount of my refund which is false advertisement because it is said as long as your refund is over 500 dollars. So I am thoroughly confused I just feel conned by both you and ******* ******.Customer response
01/29/2024
Yes
Republic Bank & Trust Company
P.O. Box 2348
Louisville, KY 40201Business response
02/14/2024
Please see attached response.Initial Complaint
12/04/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
On 11/27/2023 my account was debited for #376.90 by Republic Bank & Trust Company via my ****** ***** **** for an ********** *** *****l. But ********** only charged $300 Security Deposit and $27.74 Damage Waiver, because I paid for the rental using ********** Plus Points for a total of $327.74. (I have the ********** Receipt and ****** Screenshots). On 11/29/2023, I filed a fornal Complaint via email against ****** for stealing the $49.14 and they blatantly lied by stating that ********** only released the $300 Security Deposit and basically kept the $49.14 and they suggested I contact ********** and ********** said the ****** was lying and told me to check the Receipt (which I did). Upon reviewing the receipt I saw that I was only charged the $27.74 Damage Waiver and Republic Bank should have released $349.14 instead of $300. I have been renting Cars from ********** every month for at least five years now and each of these months Republic Bank & Trust Company has been stealing the 15% Security Deposit that they add along with **********'s $300 Security Deposit and I have repeatedly complained/disputed the majority of these transactions, but Republic Bank & Trust Company ****** Customer Support always tried to use creative bookkeeping via their responses and I end up forgetting to follow up. I intend to pursue this until they are formally audited this time!Business response
12/14/2023
Please see attached response.Initial Complaint
11/27/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with REPUBLIC BANK TRUST COMPANY. I do not have a contract with REPUBLIC BANK TRUST COMPANY. They did not provide me with the original contract as I requested.Business response
12/07/2023
Please see the attached response.Initial Complaint
10/25/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am deeply concerned about the sharing of my nonpublic information with credit bureaus and the resulting inaccuracies on my credit report. This situation has caused significant financial and emotional distress. Under 15 USC 1681 Section 602, I have the right to financial privacy, and I expect my information to remain confidential. Furthermore, 15 USC 1681 Section 604(a)(2) states that a consumer reporting agency cannot furnish account information without my written instructions, which I have not provided. I have identified inaccuracies on my credit report from World Finance, impacting my financial well-being. I request these inaccuracies be corrected promptly. Lastly, please remember 15 USC 1666(b), which prohibits treating payments on a credit card account as late under certain circumstances. For reference, my account details are as follows: Account Number: ****** I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws regarding my information. Failure to address these issues may compel further legal action. I anticipate your prompt response and resolution to these concerns. Thank you for your immediate attention to this matter. Sincerely, ****** *****Business response
11/03/2023
We are in receipt of the above-referenced complaint and appreciate the opportunity to respond. As we
understand it, Mr. ***** believes his Elastic account has been incorrectly reported to one or more credit
reporting agencies.
Elastic is a revolving line of credit product offered by Republic Bank & Trust Company, Member FDIC
(“Republic Bank”). When Mr. ***** applied for an Elastic line of credit on 7/21/2017, he acknowledged
his acceptance of the Elastic Credit Agreement and Terms and Conditions (“Agreement”), as a condition
of account opening. The Agreement discloses that we may report information about his Elastic account to
credit bureaus.
Mr. *****’ application was approved and a Credit Limit of $3,500.00 was assigned. The account
exceeded 60 days past due and charged off on 7/22/2021 with a balance of $3,194.74. The debt was
subsequently sold to NCB Management Services, Inc. (“NCB”) on 8/24/2021.
Republic Bank has accurately reported the account history and activity to Clarity; however, we have not
reported to any of the major credit bureaus. If Mr. ***** wishes to dispute information we have reported
to Clarity, we ask that he submit his dispute specifying what he believes to be incorrect, as well as any
supporting documentation, to disputes@elastic.com. Because NCB may have reported to one or more of
the major credit bureaus, we encourage Mr. ***** to address any concerns regarding NCB’s reporting,
directly with NCB. They may be reached by phone at ###-###-####.Initial Complaint
08/09/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
i filed a federal tax return with tax act and selected this company to receive my refund and take the fees out, the biggest mistake of my life. My refund which is large due to the fact that i own a construction company and we use alot of fuel as we work as a contractor for the state of new jersey and are eligible to claim fuel tax credits. my refund was $70889 which was deposited on august 9th 2023 and i waited for the deposit to no avail. i called the irs and they told me to call republic who informed that they will send back to the irs who didnt request it. the live agent sounded like she was reading from a script. i asked why would take fees out of my refund if you think it’s fraudulent or sending it back to the irs. this company takes advantage of taxpayers who are due a refund and never gives information about their refund. this is a predatory company that often keeps refunds for a long time to obtain interest then its sends it back to the irs. i have filed a complaint with the irs also. send me my refund or send it back to the irs. stop playing games with taxpayer’s moneyBusiness response
08/18/2023
Please see the attached response.Initial Complaint
07/21/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
Republic Bank had deposited my 2022 tax refund to their bank and I never received anything. I would like to know where my deposit went to and how can I get my money that I never received.Business response
07/31/2023
Please see the attached response.
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Contact Information
Customer Complaints Summary
64 total complaints in the last 3 years.
21 complaints closed in the last 12 months.