Prosperity Bank – Heights Review

This is an archive of a consumer complaint published against Prosperity Bank – Heights at DirtyScam.com-

Business Details –

• Name: Prosperity Bank – Heights
• Address: Yale Street
• City: Houston
• State: TX
• Phone: (713) 861-1125
• Website: http://prosperitybankusa.com
• Reported Loss: 3210 $
• Severity of Scam: High

Original Complaint against Prosperity Bank – Heights published at DirtyScam.com says, verbatim –

This coming from a guy who’s been jerked around by several banks, thinking that nobody could possibly be worse than Wells Fargo…Do not use Prosperity Bank – Heights. I wanted a local bank with whom I could build a few businesses and possibly re-finance my mortgage.After moving close to 7 figures through the bank to build 2 new businesses, I began to get daily overdraft fees for temporarily falling below $3k in my account…an obviously egregious offense, even though I wasn’t alerted until after the fact and until charges had begun to accumulate.When I asked if I could immediately replenish $3k and have the charges waived, I was told no and that they would continue to charge me $3 per day until I paid them.Seeing as I work 8-5, and their doors open promptly at 9:01 and lock at 4:59 on the dot (they define the term “banker’s hours”), it took a little time before I could take time off of work to atone for my sins.In the end they calculated that I owed $143 for my crime…a small amount of money in the overall scheme of things, but a big indication of how I would be treated had I stayed with them.I have 3 issues with the way this was handled:1) “Gotcha!” Clearly Prosperity would rather charge you anything they can than build a long lasting relationship, to the point they will charge $3/day on top of late fees and penalties.If you choose to bank with them, watch out as they’re looking to take their pound of flesh any way they can.I’m glad I learned this early on in my experience with Prosperity…I can’t imagine all of the hidden fees and other “gotcha”‘s that would have occurred had I actually re-fi’d my mortgage with them.2) Lack of business acumen. If you’re a bank and have a business account with large sums of money going through it, are you really so narrow minded that you’d rather collect $143 in late fees and daily charges than to continue to do business with someone who wishes to use your institution exclusively to build businesses?That seems like a bad business model…and indicates that one is not a good business partner going forward.3) Personal service. At some point, you would think that someone would say “let’s work together on this and figure out a solution” rather than smile and let a large account simply close and walk out of the door.But hey, they wanted that $143, and it was clearly more important than maintaining a business relationship.If this is how their business accounts are handled, I can’t imagine how you’d be treated as a personal account. I wouldn’t suggest finding out.