Bank Reviews

My thoughts on this company are very polarized. I have 3 credit cards, always pay them off at the end of the month. I only have three because Chase paid me back the annual fee, and some, to keep my United card. I got the Sapphire card to replace it. I have been on the phone with them, probably on average once every 4 or 6 months for one reason or another (not because they did anything wrong) and they have always been more than helpful. I have absolutely nothing bad to say about the credit card side of things with Chase (but keep in mind, I am not carrying a balance. I am not sure how that would play into things).

Now, they just purchased my mortgage. This has been more of a problem. When they first purchased it, there were some payments I made to the old owner of the mortgage that ended up in limbo longer than I hoped. They kept giving me the same cookie cutter response.. wait 3 days, etc. At the end this fixed itself and I guess they were right. It would have been nice if they did a little research so I did not have to wait, but I can't fault them too much for that. What really bugged me though, was I ended up making an extra payment about a week after they purchased my mortgage. Instead of putting it all to principal, they considered it the following month's payment and took out interest from the payment as if I did not make the payment until the start of that following month.. almost 4 weeks later. Essentially they charged me a lot of interest on a loan that did not accrue much interest since the last payment because their computers treated it as if it were received the following month. I called them up and they had that changed 3 days later, but it really should never have happened. It sounds illegal to charge interest like this. I have considered complaining to the state Attorney General because I bet this is happening to other people who don't realize it.

So all in all, I am very happy with their credit card operations, not so happy with the mortgage side.

My wife and I were sold through a number of transactions to PNC. We tend to prefer local banks, which is what we had originally. The staff at this PNC branch has kept us a customer. They greet you by name, even though I am sure I am not a major depositor. We were so impressed with this branch, that we opened our business accounts there. We originally dealt with a different branch, at Tesson Ferry, and they were great too.

My wife and I were sold through a number of transactions to PNC. We tend to prefer local banks, which is what we had originally. The staff at this PNC branch has kept us a customer. They greet you by name, even though I am sure I am not a major depositor. We were so impressed with this branch, that we opened our business accounts there. We originally dealt with a different branch, at Tesson Ferry, and they were great too.

These people make stuff up as they go I have banked at US and chase prior to key. They are by far the worse the make up stuff that doesn't make sense I got overdraft fees when fund where there but they make up some lame excuse they will pile on fees save your money DONT BANK AT KEY.

I did a refinance on May 3rd and was given a note. The note said my 1st payment was due on the 1st of June. I was given a loan number and told that I would hear from Sandy Spring Bank approx 7 days before the 1st pmt was due. Well I have not heard from them as of the 24th and when I called to find out why I gave them the loan number I was given. They could not find it and I was told it was incorrect. When I asked for the correct number I was told that it couldn't be given out over the phone. This was after I had given my social security number, address, mother's maiden name, and birthdate. I then said text or mail the number to me because I do not want to make a payment to an account number that is incorrect (especially the first payment). The response was..."I'll make a request for it to be mailed to you" This is a bank that I am trying to make a payment to and I'm getting red tape after being given a wrong account number at settlement. Today is the 24th of May (21 days after settlement and I have not heard one word from Sandy Spring Bank). It was the same thing in obtaining the loan. I would rush to fill out forms and they would sit on them for weeks and when I would hear from them it was "these must be returned within 48 hrs" I certainly would not give them a B for efficiency.

The teller was by herself and extremely slow. When I got to the front of the line I was told in a very rude manner to wait for a banker after waiting 40 minutes in line. I have come to this branch before to deposit money into an account and I was told by a female teller (once again) in a very rude manner that I could not be helped. This branch has rude workers, managers, and tellers. Personal banker by the name David did not help me, he was very rude and after talking to me he told me to get back in line to cash a check. PLEASE save yourself and never visit this branch. You will walk out regretting it. I will never step foot in this branch again.

Everyone told me the home buying process is so painful and tedious. Armando, Mimi and Micheal were so well organized and on top of their job, the process was so seamless. And they are all so pleasant to talk too.

I had not used this account for a few months and had a $40 balance in it and attempted to direct deposit some money into the account to learn that it was not accepted. I called the Marble Falls Texas office and was told that I needed to come in and sign a paper to reactivate the account. Only then at the front desk with a surly and borderline rude woman was I told that the account was closed, My money had been taken in fees and that I would have to make a new deposit to reopen the account. They had not sent me any notification of "inactive account", "dormant account", or "closed account" when they effectively stole my money. I thought that I had learned a long time ago not to deal with large interstate banks. A small county bank or credit union does not treat customers this way so I will never open another account with a big bank. They have all robbed the Amercan people blind and then seek their own reimbursement through the US Congress..

I was mailed a check drawn from this bank location for over $4,000 I'm in Kansas called this branch to verify the check they told me to bring it into them. I again told them I was in Kansas, was told again they won't help me. Guess Wells Fargo Bank really isn't concerned about bank fraud?

johnny on the spot watching my credit card transactions..