NBT Bank

NBT user interface is impossible to navigate. Customer service is unresponsive and not able to help with issues relating to their app.

Worst Bank Ever! They charged me 2x for my first auto payment. Four phone calls later and it still wasn't resolved. I disputed the second payment with my bank and they charged me $20 for getting my money back from their screw up. Two more phone calls and it is still not resolved. What type of bank cannot figure out how to do monthly payments? Bank with literally anyone else.

This review should be 0 stars, not even 1 star, but I don't see how to do that.

My house is being held hostage by NBT bank because they put a lien on my house for a $53,000 loan for solar panels that I never asked for and never wanted, all because they don't understand how a deed with life estate works.

Unbeknownst to me, as I was visiting North Carolina at the time the Covid-19 pandemic struck and I was under doctor’s orders to quarantine in place and not travel, my adult son, Donald Lorenzo, while not the owner of the property, caused solar panels to be installed and financed through NBT Bank. Neither the solar panel installer nor this bank ever checked the real estate records or required proof that Donald Lorenzo was in fact, the owner of the house and therefore legally authorized to contract and finance the installation of said solar panels. HE WAS NOT.

My son committed suicide on 1/26/22 (before the first loan payment was even due.)

I am a retired senior citizen living on social security and now in addition to dealing with the loss of my son I can't sell my house and get on with my life because NBT bank wants their money from me rather than from my son's estate. You would expect a big bank to know how to interpret a deed with life estate and know that although my son's name is listed as the grantee, my son retained the REMAINDER INTEREST i.e. a future interest in the property which does NOT come into being until the life estate holder (me, the grantor) passes away. Only then does he become the legal owner in fee simple absolute of the premises.

Unfortunately, my son passed away first. His future interest in the property thereby passed to me, the grantor, by operation of law, making me the full owner of the property again.

The Sungage Lending Team is being totally unreasonable, telling me I would have to take them to court (this after not wanting to talk to me and avoiding my calls and letter.) A 72 year old divorcee now has to incur untold legal expenses to take on a big bank with a staff of lawyers when she has done nothing wrong and is the victim here - this is not fair and I strongly advise anyone and everyone from doing business with NBT Bank

I'll be posting this review everywhere I can.

If I could give a zero, I would. Terrible service. No help at all. My card was hacked, purchases made in Cali, and I can’t get them to help at all! The idiotic branch manager told me I needed to call all the merchants and work it out. Really? What does your fraud dept do? As soon as I can get it all straightened out, I’m out! I totally hate them. Run away, don’t use them and don’t look back.

In 2022, NBT Bank has not figured out how to make paying them easy. If you want to make a payment online, you have to link external bank accounts. Real banks have an option to pay using a credit card, but not “stuck in the 20th century” NBT Bank. Garbage bank!

NBT Bank froze my account. Said a check deposit was fraudulent. Which it wasn't. Fraud Dept was supposed to call me to discuss it which they never did. I won't use this bank ever again

I don't trust this bank. I paid off my loan 4 days ago. They need to send me a paid in full letter.
They need to be more professional. And they still need to post the money, as it cleared my bank 4 days ago already.

Why does this bank think every online transaction or any other transaction I make is fraud? It's not. It's me. I just wanted to buy something online and I can't because EVERY DAY they block my card and then I gotta call to unblock it EVERY DAY! ENOUGH IS ENOUGH! By far the worst bank I had to deal with fraud and fraud protection. They are way to OVER PROTECTIVE!

Deposited a check in nbt bank in saranac lake Ny the lady put a 7 day hold on it even though it was a business check so I call the business the funds were already released to nbt and we still can't get out money this is out of spike because I never got along with her son Julie Conners I will never bank again there after I can withdrawal my funds