I will never get another car loan (or bank with) CPB again. Their people don't communicate effectively internally. I call in advance to alert them that I will be paying my car loan off and ask what the procedure was. They said to come in with the cash and give them one day notice to have the title interoffice sent to the branch for pickup.
I go in to pay off my loan and ask when I can come by to pick up the title and explain the process that was explained to me. The teller tells me in a surprised/awkward tone, "Oh, you want to pick it up at the branch? Normally it's certified mailed to you this is why I confirmed your address."
I was told I could pick it up. I work right down the street! I have a buyer for my car who's waiting for the title! So, I tell her that I need to have it mailed to my work address if that's the case because no one is home to sign for it. So, she has me fill out a change of address form.
2 days later. No title. What the crap? so, I call the bank back. guess what!? The title is still at the Honolulu branch!! I just lost 2 days. I'm glad my buyer is patient.
They tell me, i was supposed to call the day before I went in to pay off so they could make arrangements. I explain that I don't see the point if you won't send the title ANYWAY until you have my money. So, quite honestly, what's the point in giving 1 day notice? You won't interoffice mail it until the money's in the bank so what's the difference?
The lady at the Honolulu Branch tells me she will interoffice it to the Ward branch and someone there will CALL me in the morning to confirm that its there. "It should be there in the morning"
It's after lunch, no call. I'm frustrated. I call the bank again. Well, what do you know! The title IS there. Are they that busy that they can't call to let me know? Or was the information not passed on? Or do they not read their correspondence correctly?
So, I haul butt down there to get the title. I go straight to the loans lady and tell her I'm here to pick up my title. She looks at me with the confused dog tilted head. Title? Someone please shoot me now.
She walks to the teller and mentions it..OH! here it is, check her ID.
In the meantime, the same teller who made me do extra paperwork tries to chit chat with me. It's high freakin noon. I'm pregnant. It's hot and I'm pissed that this bank can't make a simple phone call. Don't talk to me. Just give me my title and I can walk out of here.
the lady hands it to me, "is that it?" YEAH! And i beeline out of there so fast and don't ever plan on walking back in to any CPB branch.
P.S. To add insult to injury, on the envelope my title was in, it was clearly written on the ENVELOPE in big letters to call me at my cell number. read more