Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I visited SouthState Bank, at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, to submit a consumer credit application for the purpose of purchasing a vehicle. A loan officer/ assistant branch manager by the name XXXX XXXX assisted me by filling out the application. I had initiated brought a buyer 's order for a vehicle ( XXXX XXXX XXXX XXXX XXXX miles ) for funding of {$11000.00} ( taxes, title and all fees included ), however the loan officer insisted they will not approve that vehicle, and I will need XXXX with less than XXXX miles, used XXXX and XXXX XXXX than 100 % with a credit score of a minimum XXXX. I acknowledged our requirements and informed her I will shop for a vehicle that meets those minimum requirements and if I can submit the application to know how much I can be approved for while shopping around. She said she will submit it but she can not use that vehicle, for which I acknowledge and reiterate I will shop for a vehicle that meets the minimum requirements. The loan officer stated she submitted the credit application and forwarded it over for review as they will have to manually do a credit pull. On XX/XX/XXXX, I received an email communication from XXXX XXXX for a followup credit application. She informed me that the application is still under review and will let me know once the review process is clear and sent to underwriting. A few hours later I received another email from the loan XXXX, that the credit application has been reviewed and a decision letter will be mailed out to me. I replied asking if the application was approved and she responded that it was declined and the letter will be explained and a contact number I can call for assistance. I received the letter on XX/XX/XXXX titled " NOTICE OF ACTION TAKEN '', which states that the credit application was not approved because : Credit application incomplete ; Value of type of collateral not sufficient. but no further details or contact information to get an explanation or assistance for the decision. I contacted the said branch to get further details about the letter and the reasons stated but the loan officer was not available. I asked the customer representative to leave a message and have the loan officer reach out to me between XXXX and XXXX the following business day. On XX/XX/XXXX, after not receiving any callback, I tried calling the loan officer, XXXX XXXX several times using the information from her business card. The office number rings without an answer and her cellphone number rings and then the call gets rejected. I then sent an email to her, informing her I received the letter and would like some clarification and to please reach out to me at her earliest convenience. She responded to the email stating : I have done as much as I can. I have submitted all related information requested. There is no other option at this time or recourse we can take. The application has been declined. You may want to try another financial institution Sincerely, XXXX XXXX XXXX. It is evidence that the loan officer is refusing to assist me with any further even though she is the one responsible for the application submission. There is also no contact information on the letter for specific information regarding my credit application. I have also contacted the customer service number ( XXXX ) XXXX and they are also unable to assist me, only directing me back to the branch and said loan XXXX. Said branch including the Manager who identified as XXXX XXXX, who also has not provided any clarity on the issue.

Company response to consumer: Closed with explanation