1st Security Bank

I had a home improvement project from DaBella (roof & gutters). I opted for financing which is provided through 1st Security Bank. I have no option to make payments, except over the phone - for a $10 fee - and I can only make payments M-F from 9am-5pm (I have the option to make a payment at a branch, if I take time off of work to make a payment, but the Online option to pay from my checking account doesn't work (they claim the Routing # printed on my checks in invalid)). I've never had so much trouble making a payment from any bank,,ever. I can't pay after hours - online OR on the phone, I can't pay from a credit/debit card online, I can't pay from my checking account due to the issue with the routing #). I've reached out to my bank to increase the daily limit on my debit card so I can pay this loan off as fast as possible and keep the $10 fees to a minimum

A roofing company, ***, replaced the roof on my house and used 1st Security Bank to provide the loan for payment of the roof. It was explained to me that the loan was a simple interest loan. It wasn't until I was in the process of refinancing my house that I learned the bank put a lien on my mortgage thereby preventing me from continuing with the refinance process until I paid the bank $200 and submitted a Subordination Request. Had I known this was going to be a lien, I would not have entered into the contract.

There is a very limited market for mortgages for manufactured homes and this bank was recommended to us by Detrays in Puyallup. We have had nothing but problems from the beginning when our home was being built and this lender (Dave P.) described our contractor as his friend and we subsequently had unauthorized payments being made to him for work we questioned. Since then we have had multiple issues with materials coming to the wrong address (which we have corrected at least six times!). This caused the cancellation of our home owner's insurance at one point. Most recently, we did not, for some reason, receive information about the increase in our escrow payment until it was too late to make it up which forced a significant increase in our monthly payment. Last month there was a mixup in the electronic payment which led to an overpayment by us of $944. We are senior citizens on a fixed income and this amount of money makes a big difference in our monthly budget. I requested a repayment on Aug. 2nd at which time it was suggested that I "just leave the money there and apply it to next month's payment." I explained that we need that money to make our monthly budget and was told that a check would be issued to us (the money had been electronically withdrawn from our Wells Fargo account but I was told it could not be electronically put back into that account?). As of today, 8/24, we still have not received the refund check. I called to confirm, once again, that they have the correct address, was told the check would have gone out "around" the 7th (not able to tell me exactly when) and we resolved the issue by supposedly voiding that check and leaving the funds there to apply to our next mortgage payment, which was what they wanted initially. Customer friendly? I don't think so...definitely not a friend of Senior Citizens!!

I tried to pay off my account balance in full. According to the website, I owed $3156.62 on my balance, which included $15.55 worth of Interest. I paid that balance expecting to have paid off my account. Today I received an email stating that I still owed $15.55 cents in interest, even though the webite had showed that I paid it. I called to speak with a customer service representative, and they could give me no explanation besides that their website was incorrect, and I did in fact owe another $15.56 (note the penny increase). After asking multiple times why the website showed that I had already paid that an inquiring as to why I still owed it, they could give me no answer besides that I still owed it. The representative told me that she would give me a 10 day payoff quote, and it was $15.60 (even higher than originally discussed). In an effort to stop this "interest" scam from going any further, I paid the interenst of $15.60 according to their payoff quote.
I believe that they forced me to make this interest pament twice and should receive the second payment of $15.60 back as a full refund, and my account should be considdered paid in full and closed. I have delt with lenders like this in the past that continuously charge for interest even though that account balance has been paid multiple times.

This business's website was confusing or didn't interface with my browser efficiently enough to set up automatic payments. It was misleading from my end as the customer. I thought the bill was being taken care of from the confirmation email I received. The bill was not being payed so the company left multiple missed calls from an unidentified phone number to tell me the bill was not being paid. Also, they sent someone out to my house to put a physical letter on my door. The customer service representative I spoke to after playing phone tag, explained that only one payment had worked. I am multiple months overdue AND they are charging me for not answering my phone and for sending a man to my house when I was not home.

This is a problem because I cannot take phone calls on my very long commute because of phone and driving laws. Also, I do not answer phone numbers I don't know for security reasons. I am not home very often to receive visitors because I go to school full time and I am a single mom.

This bank is using predatory late fees and collection fees and justifying it with poor communication practices. My credit score is extensive and excellent. I have not had this problem with other lenders.

They just sold my mortgage to a shady debt collection company, even though I've been paying on time every month, and I make more than enough money to pay the bills. I went with these guys initially for a mortgage because they are local to where I live, but now I have to try to find another local bank--hopefully one with a higher ethical standard--to refinance my loan.

I have a checking account with a payroll direct deposit every 2 weeks. With that came a no fees savings account because of my direct deposits. End of May my savings balance was $10.01, come June 1st, my savings balance was $00.01. So I sent off an email inquiring why $10 was taken. They sent me a PDF in return stating a rule change effective May 1st that savings accounts must have at least a $300 balance to not be charged the monthly fee. I have not received any warning of any sort. At all, period. That's thievery and I'm fairly certain written notice is required by law.