Five Star Bank
2330 State Route 19 N, Warsaw, NY 14569
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Loyalty Program!?!?! I find it hard to believe that the concept of charging an outrageous fee to delay a payment is even legal, let alone a good idea. Rather than showing a thank you, this program smacks of showing condescension and contempt for your loyal customers.
Delaying a payment without penalty would be a great reward for loyal customers, but replacing a late payment penalty fee with a program fee in addition to an extra month of interest is nothing but good, old fashioned flim-flam.
Congratulations! You have, once again, confirmed the greediness of the banking industry. What happened…run out of homes to foreclose?
Hey Dave, get your facts straight before you write stuff like this. First Niagara bought out HSBC, not five star bank. Also, you should follow up when there is ANY change. Banks aren't mind readers and don't know when there is a change with your account, address change, etc. Furthermore, im pretty sure the bank sent you a letter stating that you were late on your payment so the fact you let it go 60 days is your fault.
I never signed any paperwork to be a five star bank member they bought HSBC (it would seem from the news the sale was maybe an embezzlement attempt?)
So when five star took my accounts over, my auto payment on my loan stopped working.
I went to get a car loan and was informed I was in collections (after 60 days past due)
Called their collections department with every intention to pay my full balance on the phone right there, Had gotten about 5 words out and was cut off my the lady (I use the term loosely) on the other side. She immediately belittled and berated me, I tried to be nice but she just really kept purposely trying to bring the conversation to an argument or trying to get me to swear (maybe then she gets to hang up?)
After about 10 minutes we had determined I would need to bring a check to the bank the next day from my other bank. I thought it sucked they couldn't do a direct withdrawal from another account of mine at a different bank, I was able to setup a direct deposit but she didn't want that either.
So then she flipped out again for some reason (I think I asked her to mail me some info on the account?) She asked if I was playing games with her. I don't know what planet this lady was from but on Earth, asking a bank employee for your bank account info during times of a sudden $1k+ transaction is not the setup for any popular jokes.
This was like a year ago and I still remember it so vividly. I cant remember her stupid name but If you call to pay your bill and you get a real piece of trash on the other end just hang up on her and call back asking for someone besides the gutter-slag you just hung up on. Do your blood pressure and credit rating a favor.