Consumer Complaints: Hancock Whitney Bank

I opened a business checking account with Hancock Whitney in the XXXX area. Due to non activity, account becomes dormant. At the time, there is over {$150.00} in the account. I decided to close the account and wrote a check to cash this amount out, however the check bounced due to account being dormant. I called the bank, they said I have to go into the branch to withdraw and close account, all online access was denied. Due to my work schedules, it was difficult to find times to go into a branch. I finally went one day and the XXXX branch was closing permanently. The next time, which is around XXXX or XXXX, I tried another time to stop by their XXXX XXXX XXXX. It was also closing permanently. Today XX/XX/XXXX, I finanlly went to their branch in XXXX ( attached business card ). I am on maternity leave so in my last 2 weeks, I want to complete this task which has been on my to do list. To my surprise, the account was drained to thirties dollars because the last 2 years, the bank has been charging {$3.00} a month for service/statement fee. It could have been avoided with e-statement. But the account was dormant and all my online access was denied??? When I requested to receive help to reverse the fees, I met with the bank manager, XXXX XXXX XXXX. She treated me with a lack of professionalism and respect. She justified the fees by saying, " We are not here to do charity. '' When I mentioned that I hadnt been able to visit the branch earlier due to its distance ( the closer branches have all permanently closed ) and that I could only make it now because Im on parental leave, she dismissively rolled her eyes and said, " Well, I have XXXX ( kids ). '' The outcome may have been the same, but someone with good customer care would have approached it differently and treated client with respect, unlike XXXX.

No narrative provided by consumer.

I sent Hancock Whitney my durable power of attorney which they denied and would not explain the reason. From my understanding, my notification was just for recording purposes and for permission. I have notified Hancock Whitney of the agreement that I have with my trust with a commercial security agreement and trespass and cure. Whitney then notified me that they were closing my account after almost XXXX years without explanation. As hurtful as this is, I wrote them back conditionally accepting the offer to which they double down on closing my account. After I had my XXXX payments sent to that account that they returned after processing my credits as debits. Hancock Whitney has failed to provide me with my interest and proceeds to them utilizing my deposits. I requested to see both sides of the ledger which was refused. In addition to I wrote a letter to XXXX of the Board of Directors. I am not sure of what may be the issue. I am sure that there is some misunderstanding. In addition to many of my payments were reject, which then caused me to fail to perform my obligations. UCC 3-305 says I have a right to payment whether the bank has an issue with processing or not.

This company has outdated systems that misinform the consumer of what their account balances actually are as well as kick payments back with no reason why. Ive gone into the bank on serval occasions to be told someone would contact me and no one never will. Ive looked online and this is an ongoing problem with this institution.This banks makes it next to impossible to service accounts within their bank. I have all these improprieties documented.
XXXX. When you login to pay your bill the companys system states no payment is due making you think its already been paid in hopes of collecting late fees.
2.You schedule auto pay and get a confirmation page stating its confirmed the company doesnt take the auto pay out. Ive made 3 payments in one month because of this companies lack of up to date abilities.

3. This may not be illegal but it is certainly not good customer service. When you setup autopay You are only able to pay the minimum payment or the entire balance payoff. This is a reckless banking institution and because of their callous actions my credit has been ruined for a {$10.00} payment they said was already paid. And failed to correct the problem after they were informed of it.

My account reflected a pending negative balance of {$33.00}, on XX/XX/year>. I made a transfer of {$34.00}, to satisfy the amount owed at XXXX, on XX/XX/year>. This was before the processing cut-off time which is XXXX.
I am late on my line of credit payment. XXXX XXXX processed a forced automatic payment to the line of credit, which swept the {$34.00} out of the checking account, into the line of credit. This subsequently resulted in an overdraft charge in my checking account, although I made the deposit to cover the pending balance. The forced automatic transfer can not be disabled so I will continue to accumulate fees until the monthly payment is made to the line of credit. Ironically there is no late fee associated with the line of credit. That would have been one late fee for one late payment. This tactic railroads the consumer into potentially being accessed multiple overdraft fees regardless of the efforts made to cover the initial transactions.

No narrative provided by consumer.

Someone stole my debit card and my PIN number to my Hancock Whitney Bank bank account and made quite a few unauthorized ATM withdrawals and store purchases within 3 days time. As soon as I discovered what had happened I immediately contacted the bank and filed a dispute. The following morning I contacted the police and filed a police report. Dates and Amounts posted to my account are as follows in chronological order : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I've have filed disputes a total of three times and was denied each of the three different times. I have filed a report with the police that is being investigated currently. The Bank has still refused to reimburse the money stolen out of my checking account even though I did not give any authorization to anyone whatsoever to have use of my bank debit card.

No narrative provided by consumer.

No narrative provided by consumer.

On XXXX XX/XX/XXXX XXXX I tried to open Hancock whitney checking account online using a promotion. It requires {$25.00} deposit from another bank. I tried to transfer {$25.00} from other checking account - one from XXXX XXXX and another from XXXX. It failed. I also tried to transfer from debit card but it didn't worked.
Today I called Hancock whitney, they transferred me to online/digital team but they were also of no help. Only suggestion/help - to drive almost 20 miles to go to their branch to do this work. It's ridiculous that as a bank- Hancock whitney doesn't know how to do ACH or debit card transactions?
Moreover- why not open the account and then ask customer to find it later ( within a week or so ). Other banks are efficient- i can always push {$25.00} from my other bank account to this newly opened bank account.

I was very sick over the last week and my account went unattended, and we had other sickness in our household. I lost track of scheduled debits which caused an overdraft where I was charged {$72.00} on XX/XX/2023 then this caused another overdraft two days later of {$36.00} totalling {$100.00}. I had money in my business account, but due to being sick, failed to move it over. I've tried to work with the bank in the past without success. I'd like the {$100.00} refunded. This was an isolated incident I believe.

No narrative provided by consumer.

I was charged on XXXX {$100.00} and charge again on XXXX $ XXXX charged on XXXX XXXX XXXX I realize that my charges I had over a draft protection an my charges were totaling {$130.00} the bank charged me {$250.00} my only income is a total of {$930.00} a monthly I get on the XXXX {$830.00} an on the XXXX {$91.00}. XXXX totally {$930.00}. 00 monthly I I called them and they said they would return my call somebody call me back and nobody ever called and has it still and that's been XXXX days ago all I have to live off nothing else my checking account has {$570.00} in it right now I have that's why I'm reaching out to you this is ridiculous I can't afford this I pay {$350.00}. XXXX rent an live in a rv from having to bury my son no insurance I'm not going to be able to eat you know I suffer from XXXX I lost my XXXX son XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX my XXXX is Extreme right now this right here is just adding to it if there's anything somebody can do this is an injustice please help me I'd really appreciate it please help me thank you God bless XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Mississippi XXXX my email address is XXXX XXXX

My name is XXXX XXXX. On XX/XX/23 Im looking through XXXX XXXX XXXX for the used XXXX XXXX truck, I saw the the truck that I like at the place called XXXX XXXX XXXX in XXXXXXXX XXXX I contact them and talk to the guy name XXXX, The truck was listed at {$6900.00} and XXXX agree to sell the truck for {$6300.00} including delivery I asked XXXX how to pay him and he sending me email me the purchase agreement and instructions of how to send the money in the instructions they have the link that say CLICK HERE and the wallets address XXXX. When I press on the link click here its take me to the page that buys bitcoins online I follow the instructions put in the amount of {$6300.00} and the wallets address and it took me to the others page to fill out all of my personal information, when my transaction was approved I email XXXX the approved transaction email and he said he will delivery the truck, but the next day he send me the email asking to pay {$2000.00} more for insurance for the truck delivery I disagree with that and told him I cancel the deal, he said XXXX refund the money to me. As soon as he said that I know that I got scammed, I contact my bank asking them to stop the transaction while it in pending, I also file the dispute I also email my bank the police reports, the attorney general affidavit reports and the screenshots of the email between me and XXXX XXXX XXXX, couple weeks later I got the letter from my bank regarding the dispute in the letter they said based on the investigation they determined that no error has occurred, I disagree with their findings because it clearly a scam I hope that you getting involved to help me getting my {$6300.00} refund to me. Thank You!

No narrative provided by consumer.

I am seeking assistance in the matter of a dispute between all major bureaus and a financial Bank and lender Hancock Two payments were sent to Hancock Whitney in the month of XX/XX/XXXX these payments were sent to cover my monthly installment payments on an auto loan. Not only did they receive and confirm receipt of these two payments in XXXX, but a payment large enough to cover 2 months were also made in the month of XX/XX/XXXX. NOTE : XX/XX/XXXX payment was never late. I filed a dispute with the lender directly after several attempts to resolve this countless phone calls, emails, letters, and even copies of my bank statements well enough is enough. This is an internal problem with the staff and management of this lender they need to be investigated and possibly sued for damages. Onward I was reported 60 days late on XX/XX/XXXX after filing my initial dispute they updated the reporting to 30 days, Well this is still incorrect so I initiated another dispute with all three bureaus each time the lender has creatively updating my file but never removed or correcting the 30 days late XXXX notice it showed updated but nothing changed, XXXX noticed the 60days was changed to 30 days, XXXX was up dated added how much I paid on my loan each month because I always pay more than my amount due. A third dispute was requested now XXXX is refusing to reinvestigate. I have sent supporting documents showing this is their error. Recently they updated my credit report adding a late payment for XX/XX/XXXX ILLEGAL in XXXX causing my XXXX score to drop further. My account and credit file clearly state for the year XXXX, I made 12 on-time payments another error. XXXX, XXXX XXXX XXXX have a responsibility to the consumer public to do their due diligence, and that's making sure that information is accurately reported otherwise disputes are properly investigated. The terms of my installment loan grant a 10-day grace period, therefore, I have until the 10th day of the following month to make my payments before payment is considered late and a late fee is XXXX, not a bureau reporting. I provided proof these payments weren't late not even to get a fee XXXX. This lender is the liar and thief here I am the victim, the victim of credit discrimination. As a result of this reporting error and how my dispute has been handled, I am forced to seek further action in this matter and will continue to dispute this account until the reporting is satisfactory. The terms of my installment loan grants a 10-day grace period, therefore, I have until the 10th day of the following month to make my payments before a late fee is XXXX, not a bureau reporting The balance of this loan is around XXXX not XXXX the lender should be shut down.

Hancock & Whitney bank allowed someone to open XXXX checking accounts and XXXX savings account using my information. Then proceeded to let them draw {$250.00} from XXXX acct with a {$0.00} balance, {$100.00} from another acct thaty had a {$0.00} balance, and {$50.00} from another acct that had {$.00} in it. I can only assume the one with {$.00} was the first account. All of this was done using my name and SS # I presume, as the welcome letters, overdraft notices and the debit cards all came to me. It appears to me that it would have to be someone in XXXX XXXX XXXX bank as they would've had to go into a bank to make withdrawals. At the beginning of XX/XX/2023 I ran my credit and have not seen anything on there so far.

I have been a customer with XXXX XXXX for some time now. I have made substantial deposits in the past, one deposit equaling up to $ XXXX with no issues. I have had no problems or issues. On XX/XX/2022 my employer mailed a check to my office, for me with my name on it to deposit for a XXXX party. I used XXXX XXXX mobile deposit like I have done in the past. The deposit confirmed and the funds were not immediately put onto the account. No worries. Later that evening I received an email stating it would take until XX/XX/2022 until the {$1000.00} funds would be available because, they had to verify it. No problem. On XX/XX/2022 I went into target to do XXXX shopping when I got to check out I swiped my card and was unable to use. Their is no one to reach over the weekends so I was without funds the entire weekend. I was unable to get presents, gas, or food for my children. The bank never called nor notified me my entire account would be froze. I was unable to log into my mobile banking account. ALL of my funds were on hold without one reason as to why. On Monday XXXX, XXXX XXXX I had to call several banks due to majority of them not answering the phone. I finally get in touch with someone at the bank in XXXX XXXX on XXXX XXXX and explain what happened. It seemed no one knew what was going on or even why my account was froze. I left from work which is time away from working to handle this. When I arrived at the bank XXXX XXXX the branch manager told me he didnt know what was going on from what he say the check wasnt fraudulent he was unaware as to why they would freeze my funds. Then, he proceeded to say my account had been closed. I asked him why is that? He wasnt sure. I asked him well sir I have over $ XXXX in both the savings and checkings can I just get my funds out of my account until youll figure out whats going on with the check. He told me they could not release any of my funds to me as my balance was at a {$0.00} on both accounts. I told him that isnt right. I asked for my money he told me there was nothing he could do. Fast forward two hours of me sitting in the parking lot of the bank I called my company and notified them of what happened. My company informed me that the check had cleared from their XXXX account on XX/XX/2022. The same day I deposited it. So why would they close my account without having any access and not even being called about what was going on if they cared or was conernced it couldve been suspicious activity. This has cause me such grief, pain, emotional distress, loss wages from work and I was unable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the weekend because of this.

No narrative provided by consumer.

No narrative provided by consumer.