Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MECHANICS BANK (CA)

XXXX XX/XX/XXXX I wrote this letter The * and e mailed it to Mechanics bank main office. It has been approximately XXXX days since I sent it to them. Today I have been trying to log into my bank account because of another issue from my other credit card, who has been very patient with me though this. I have not been able to log in and when I try to change my password or user name I receive a message stating that they are unable to validate my information. I havent had any problem logging in, after they showed me how when mechanics took over my bank, ( b**** c******** b*** ) until now. The problem is explained and so is the solution. I try to be as patient as possible, and I hope it is a technical issue which is not allowing me access to my bank account and not somebody is mad at me over what I wrote. For them to say that they have no record of having the XXXX late fee reversed is not true because it happened XXXX times and the manager reverse the charges each time, then he told me if it happens again he will fix it, I like to take people at their word, and hope for dignity and honor, characteristics that are becoming harder to find every day. The XXXX times the manager reversed the charges would be on record during the summer of XXXX. 

Mechanics Bank XXXX XXXX : Mechanics Bank XXXX XXXX XXXX XXXX XXXX XXXX Mississippi XXXX To whom this may concern, My name is XXXX XXXX, I have been banking with Mechanics since before it was Mechanics bank. I have also been using auto pay through the bank for all my credit cards. Up until last year my auto pay was on time. Since XX/XX/XXXX I have been paying a XXXX late fee to XXXX XXXX services on a card from Mechanics bank, which I have XXXX of. Before XX/XX/XXXX the manager of the XXXX XXXX XXXX on XXXX XXXX assured me that he is taking care of this issue. Every several months I would receive an e mail stating that my auto pay date was changed for certain reasons. I called the manager ( J*** ) I believe was his name, on several occasions prior to XX/XX/XXXX and he reversed the charge and set my date back to where it was suppose to be and assured me it that he will take care of this issue. I never received any e mail warnings so I presumed it was all taken care of. A few weeks ago I called XXXX XXXX  services to check balances to see how much I could spend for the holidays, and because of the 0 % offer I received to pay off XXXX of my cards. They told me that the XXXX late fee was charged since XX/XX/XXXX. I also received a letter today from XXXX services stating that they raised my APR because of what they call serious delinquencies among other issues. After receiving this disturbing news I called the local branch and found out that XXXX no longer works there, so the issue is all my fault because they do not believe me. All one has to do is look at the history of my banking and they will find that I have never missed a payment for the past XXXX years. 

The damage this has caused me is beyond my ability to fix. My credit score just bottomed out from high of XXXX. I had just received a 0 % credit card, which I take full advantage of, offered me XXXX line of credit, which after signing up and getting approved was reduced to XXXX for this reason. I need that XXXX line to pay off XXXX of my other cards. I should have been a banker, because I do all this in my head. 

My urgent desire, as a XXXX veteran, is that this will be taken care of between you, XXXX services and XXXX XXXX XXXX XXXX XXXX XXXX, and my credit score. 


Thank you for your time.