Celtic Bank Corporation
Reviews and Complaints

Scammers and possibly, by all appearances, committing tax fraud. Opened an Indigo credit card with them in 2018. I defaulted. They charged off the debt ($565.32)and sold it to *** Association doing business as *** in 2019. I have obviously had no dealings or accounts with them since. However, they then rebranded it as a loan issued in July , charged it off again (the same exact $565.32) and sold it again, this time to ***. Not sure if Spring Oaks is in cahoots with them in this fraud or if they have merely been duped. The new "loan" is made up and never existed. It is merely re-labeling the original credit card debt so they can charge it off twice and sell it off twice. The credit bureau has been notified and Federal and *** will be next. I can't believe they were so stupid as to reinvent it using the exact same dollar amount, to the ***. They created a fake loan to enable them to get all the benefits of a bad debt twice, did it very stupidly and actually thought no one would notice. I noticed and so will all applicable government agencies!

Terrible Company, please stay away from this company complete scam!

I paid off my credit card right away and they didn't like that so they canceled my credit card do not get this credit card I give them a 0

I was approved for a card and immediately got the bill in the mail for $125 initial fee which I paid on time. I never received the card. I had to have them resend it, and when it arrived I was not able to set the account up because the account number had changed. They said take no further action and that I would be contacted with new information on how to finish setting up my account. Never received the information. I've been trying to open the account since June/July and they have $125 of my money and I still have no account open.

Celtic Bank is terrific in obtaining your business. Once a “customer" expect days before a response, if any, and even longer for any action. You can expect emails from Executive Vice President, Special Assets and Loan Servicing that are in red bold lettering and stating things like “we are doing everything in our power to help accommodate your request (potentially)"& “However, you should know, there are no less than 45 other requests that came before yours “ These were not statements made when we secured our relationship a number of years ago.

Indigo Credit Card is the WORST credit card ever! I paid the balance in full beginning of May then on the May 21 saw I had $32.93 balance with due date in June. So I figured I'll pay it off to 0 out the balance due. Terrible idea! I call today and found out the payment was returned today May 28th (but received confirmed thru email that it was submitted). Was never told it was returned even when I spoke with a rep this morning at 10 am. Now I have a block on my account and can not even use it until I pay the 32.93 which again was not even due until June! Besides the high fees DO NOT GET THIS CARD!

I applied and received an indigo Platinum MasterCard immediately paid the $125 when I received the card I made the payment on February 24th and as of March 10th that I still had not been added to my account I have a $500 available credit but it was only 375 because of the $125 I had to pay which I paid the day I received the card which was February 24th and the hundred and $25 is still not available in my credit line 10 days later so I called customer service and was told it would be 14 days before it would be 14 days before it is available for use on your card that is ridiculous it should be available within no more than 3 days of payment being made they are just ripping people off I wish I had never gotten this card please take this advice do not apply for this rip-off card

After trying to build my credit back up I finally received an offer from Celtic Bank Indigo CC and even though it was only a $500 dollar credit limit I was excited. Then I received my card signed in activated and to my surprise I ALREADY owed $125.00 dollars that was PAST DUE and my credit limit was not available. I immediately called an the rep Sophia was extremely uneducated on her companies plan. I expressed that from my years in banking I know that any yearly fee must be indicated on any application. She told me it was but since I had the original application on hand I asked her where and she could not tell me. Then she said she would wave the yearly fee if I was interested in keeping the card but my limit would drop. I told her no. I was disgusted by how this company could lie and show false advertising. Now I am supposed to receive a letter saying the account is closed with no due balance. When I asked for an email confirming this she said THEY ARE NOT ALLOWED to send emails. Avoid this place by all means

I can write a novel on the sham this credit company is running! They should not be in business. I was able to review and pay my bill online soon as I was late two days I was no longer able to review my account or get help to reset my password that became unusable four days after logging into my account. Called the customer assistance department they told me they have no way of assisting me with my online reset( I stopped getting emails for some reason) Second they don't tell you but when making a payment they take it via ach only! And they don't apply it to your balance until 14 business days later ? So that means you can be charged a late fee and etc on the freaking balance not even knowing until you get the bill. My credit already in process of being rebuilt so I don't care to close this account after my payoff hits this week! They prey on the good ones out here trying to get back on track don't apply for this card! Read the reviews on ComplaintsBoard.com AND other sites from victims of this company trust me the complaints are all legit!

I have had indigo for over 3 years now. I have never had a problem until now. I paid my card off earlier this year. I had since then switched checking accounts due to the company closing. I had to use my indigo card for and emergency last month. I got my statement went online changed my checking account to the new one made my payment and my yearly fee that was due it cleared my new checking account the very next day. Now I have a 14 day hold on my available balance. So I call to see why and the 1st person couldn't tell me why that it would just come off. So I hang up and call back. This person tells me they haven't received my payment yet even though it shows paid on their end and has come out of my account and my new statement has been sent to me already with no past due amount or late payment fee. She tells me my hold will come off after 14 days. Then proceeds to tell me the hold went on because I used a new checking account. So you can see I used a new account and paid but you are still telling me my payment hasn't been received. Which is it? I do not recommend this company what so ever. Had you asked me 8 months ago I would have gave it 5 stars but after this I would give it 0 if I could..