XXXX XXXX XXXXXXXX issued a XXXXXXXX XXXX card but would not protect the customer in a disputed charge made to them. XXXX doubled the cost and did not have prior approval but XXXX XXXX paid the Vendor and really did not care about our dispute, could not provide assistance, XXXX computer systems are so poor the XXXX customer service dispute could not even see our charge statement and requested us to fax a copy of the Visa statement to them and they did not care about our complaint or our business. Charge in the past ( authorized ) for vendor XXXX was {$680.00}, XXXX was purchased by another on-line company and merged into XXXX XXXXPage and they proceeded to charge the amount of {$1200.00} on XX/XX/year> for the same service without our knowledge or authorization ( with the increased amount ). After calling into XXXX XXXX XXXX to dispute charges in XXXX XXXX XXXX the looked into this and decided that they would not reverse charges that were not authorized.
CFPB COMPLAINT DATABASE
Zions Bancorporation
69 real consumer complaints filed against Zions Bancorporation at the Consumer Financial Protection Bureau in the last 12 months. 6 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Managing an account24
- 02Fraud or scam9
- 03Closing an account6
- 04Trouble during payment process6
- 05Problem with a lender or other company charging your account5
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
Over a period of several months, the bank placed extended holds of XXXX to XXXX weeks on all business checks I deposited, including legitimate client payments. During these holds, my account continued to process normal automatic business payments. Because the deposited funds were not made available in a reasonable timeframe, these payments were processed against an unavailable balance, resulting in overdraft fees. Between XXXX and XX/XX/year>, overdraft fees totaling {$660.00} were charged. I contacted customer service multiple times to resolve this issue. In my most recent interaction, customer service acknowledged that the overdraft fees were caused by the banks deposit hold practices and informed me that the fees would be refunded. However, no refund was issued. After following up again, customer service directed me to the branch XXXX.…
My debit card was stolen along with my bag discovered fraudulent charges on my account and called the bank. I let them know there was quite a few charges and then there was the bills I had paid on line. Those were mine but didn't seem to be processing in order. They said they would do an investigation. I let them know that while I did not know who had my card, it looks like someone I know because they had my pin from what I could see they had gone to an atm. So if they figured out who did it, i'd be happy to press charges. And then the bank closed my claim like just a couple days later. Doesn't seem like they did it through investigation and denied it to extremely frustrating. Because I call mom weekend and obviously. Somebody was spending money in a different state and everything and my card was gone, it was stolen so.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX debit card, which was stored on my XXXX account, was used without my authorization by someone who hacked into my XXXX account and purchased multiple XXXX gift cards. The hacker made XXXX separate transactions by buying gift cards, totaling in about {$890.00} stolen. Because of these fraudulent purchases, I had no money in my account. I did not authorize or make these purchases. I reported the unauthorized transactions to my bank, and they opened a fraud investigation. Initially, on XX/XX/XXXX I was refunded the full amount. However, several weeks later on XX/XX/XXXX, the bank reversed the refund and claimed the transactions were not fraudulent - despite clear evidence of account compromise. Now I am currently over {$800.00} negative in my account, and potentially having to pay overdraft fees. I did not receive any detailed explanation of the decision.…
Recent complaints
The 30 most recent complaints against Zions Bancorporation where the consumer chose to publish their narrative.
XXXX ( XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX employees have purposefully kept a hold on my account while {$2100.00} exists in the account. We had to dispute two checks written ( one cashed and one entered as an ACH ) which required the branch to dispute the charge and THEN deposit the money and two overdraft chargers that werent supposed to be triggered were manually deposited to my account ; the bank teller or relationship manager PURPOSEFULLY left it locked. Todays the XXXX of XXXX and this issue has been unresolved since XX/XX/XXXX when the two checks cashed. Ive tried calling 8 different times to XXXX, XXXX, and XXXX XXXX branches, only XXXX XXXX has been helpful. XXXX specifically then said this morning after the account was supposed to be unlocked on both Friday XXXX XXXX and on XX/XX/year>, yesterday.…
In XXXXXXXX XXXX XXXXXXXX my wife submitted name change paperwork to our bank to have the mortgage information changed to reflect her new legal name. Nothing was done with these documents by the bank until XX/XX/XXXX when she realized it had not been done and contacted them again to have this information corrected, to support us getting a HELOC loan. However, they changed MY name on the account without my consent. None of the documentation she provided had my information on it, there was absolutely no consent given to change my name on my mortgage account. On XX/XX/XXXX we both called the customer service line ( XXXX ). The representative she spoke with said we would need to resubmit all the paperwork for the name change, but would not speak about how to change my name back to the correct one on my account. The representative I spoke with apologized for the mistake, and said it would be resolved with correct names by XX/XX/XXXX.…
On XX/XX/XXXX XXXX XXXX sent me {$1000.00} for money that they owe me due to a loan. Later this person mistaken submitted a dispute, and together we went to XXXX XXXX bank and they withdrew the case. On XX/XX/XXXX XXXX notified me that my number and email were good to go with no restrictions, but XXXX XXXX XXXX hasn't released the Lock and its causing me really hard time.
XXXX XXXX XXXX and XXXX. XX/XX/XXXX on both accounts. I purchased a new XXXX and all of my apps transferred except my XXXX account. I called them to reconnect the account and was told I would have to deposit {$10.00} to my account and that it would be refunded the next day. I reviewed my bank account and saw that {$1000.00} dollars was gone and shown in XXXX as a purchase. There are 6 transactions on XX/XX/XXXX that were purchased and sold. My {$1000.00} dollars are not reflected in my assets. The money basically disappeared. I finally got a hold of a XXXX employee ( maybe ) and was told someone had breached my account. She told me she would investigate and call me back. She did but I missed her call. I have since tried that same number but all I get is a busy signal. The same day I contacted my bank and opened a claim but was denied because it was crypto and they don't deal with that. Once i received their decline letter I called them and spoke to a supervisor.…
XXXX XXXX XXXX Credit card promised XXXX $ cashback bonus if XXXX spend in first XXXX days. account was opened on XX/XX/XXXX, I completed the spend requirement during first month. I have paid off my balance in full effective XX/XX/XXXX ; Account was closed without reason by XXXX and company has failed to pay the bonus. There is nothing in the terms and conditions stating that if the account is closed by XXXX that my bonus is forfeited. I want to ask the bonus to be paid before i submit a small claims court case against the company
I have XXXX XXXX ( checking ) and money market account-this Bank had given me trouble from day one - always. On XX/XX/XXXX XXXX XXXX-sent an email I called and I was told : Min balance for money market account is {$1000.00} and XXXX is {$2500.00}. I don't have to have XXXX account to have the money market account. Thus I am closing the gold account. Already initiated the transfer. Once the transfer is done- please close the XXXX account. But this adamant XXXX XXXX responded on XX/XX/XXXX XXXX XXXX did nothing Later CSR XXXX is giving me hard time to close this account by stating " From : CSR Sent : XX/XX/XXXX XXXX XXXX I am sorry for the frustration. I do not show additional information about closing the XXXX Account. For additional information on the promotions please contact your local XXXX XXXX branch. To request the closure of the account ( s ), you can call the number below, visit the local branch or mail a letter requesting the account ( s ) to be closed.…
We refinanced our mortgage with XXXX in XX/XX/XXXX ( loan originated by XXXX, serviced by XXXX XXXX ). Prior to refinancing, we specifically asked XXXX loan XXXX XXXX about biweekly payment enrollment, as we were already enrolled in biweekly programs with our previous servicers ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX Biweekly availability was a factor in our decision to refinance. At no point during the loan process or at closing was a one-month-ahead prepayment requirement disclosed as a condition of biweekly enrollment. We submitted the XXXX XXXX enrollment form in XX/XX/XXXX. XXXX confirmed in writing that we were already a month ahead and qualified to enroll. For XXXX months from XX/XX/XXXX through XX/XX/XXXX no one at XXXX proactively communicated any additional steps. When we followed up ourselves, the requirement kept changing : first we were told XXXX needed to be satisfied, then XXXX. Each time we complied, the goalposts shifted.…
I contacted my bank a few months ago regarding a XXXX XXXX monthly fee being charged to my account. During that call, I was informed that maintaining a minimum balance of {$200.00} would prevent this fee from being applied. Despite following those instructions, the {$5.00} charge has continued to appear on my account. Today, I spoke with a manager who provided different information, stating that the account must maintain a balance greater than {$200.00}. When I explained that this was not what I had previously been told, he clarified that the balance must be at least {$200.00} to avoid the fee. I have maintained a balance above {$200.00}, yet I am still being charged this monthly fee. I am requesting clarification on the correct minimum balance requirement and a resolution to stop these improper charges, including reimbursement for any fees that were incorrectly assessed.
Subject : Formal Demand for Reimbursement XXXX Fraud Claim / Regulation E Violations To the Executive Resolution Office : I am XXXX XXXX XXXX and writing to demand immediate corrective action regarding your banks improper denial of my unauthorized ATM withdrawal claim. In XX/XX/year>, approximately {$8000.00} was withdrawn from my account over multiple days through ATM transactions that I did not authorize. I reported the transactions immediately and filed a police report. Law enforcement has identified a suspect. ATM surveillance footage exists and can confirm that I was not the individual conducting these withdrawals. Despite this clear evidence, your institution : Denied my claim Falsely stated that I furnished my PIN ( I did not ) Failed to provide evidence supporting that conclusion Closed my accounts without authorization Failed to properly comply with the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R.…
Urgent : Follow-Up on Credit Limit Increase Request ( Application ID : XXXX ) - Age Discrimination Concern From : XXXX Sent : XX/XX/year> XXXX PM I am writing to express my frustration and concern regarding the credit limit increase I requested for my XXXX credit card ( ending in XXXX ). I have been a loyal customer of XXXX for over 20 years, and on XX/XX/XXXX, I submitted a letter accepting the credit limit increase from {$9000.00} to {$15000.00} from you. I received a letter confirming your willingness to approve this increase ; however, as of today, I have not seen this change reflected in my account. I am increasingly concerned, as I believe I am being subjected to age discrimination, similar to the issues I am experiencing with other financial institutions. As a senior citizen, I know that both the Age Discrimination in Employment Act ( XXXX ) and the Americans with XXXX XXXX ( XXXX ) protect me from unfair treatment.…
On XX/XX/year>, my business received a XXXX payment in the amount of {$600.00} from a customer for completed moving services. The service was authorized, performed, and documented. We possess a signed invoice matching the payment amount, GPS records showing our crew at the customers location during the service period, a credit card receipt for the initial fuel fee, and recorded phone calls in which the customer authorized the labor. After the service was completed, we conducted a follow-up quality call and the customer confirmed that the move had been completed. During that conversation the customer stated that he contacted his bank after a disagreement with XXXX of our staff members and that the bank representative classified the transaction as fraud even though the payment had been authorized.…
I have a mortgage loan with Zions Bank and I have been making my mortgage payments regularly. My previous email address and mailing address are no longer valid, so I requested to update my contact information in order to receive important documents such as my Form XXXX. Zions Bank instructed me to fax my identification along with a request to update my email and mailing address. I faxed the requested documents. They later told me that my signature was required for the change to take effect, so I faxed the documents again with my signature. I was told that the update would be completed within three business days. However, my contact information was never updated. I still have not received my Form XXXX, my mailing address and email address remain unchanged in their system, and I am still unable to log in to my mortgage account. I have called the bank multiple times to follow up.…
I fell behind on my mortgage due to unemployment. I was out of work for a year. I did apply for Loss mitigation was told I did to many and they turned me down. Now the reason for denial this time was that Zions Bancorp does not offer work out options. I am not sure where to go from here. I am working with a HUD counselor by the name of XXXX XXXX at XXXX XXXX Colorado. I will attach the documents that I have.
I have XXXX XXXX account ending in XXXX and Money market account ending in XXXX qualified for bonuses for {$350.00} each. According to me - I already qualified for the bonus. But it seems that XXXX is not very clear in terms of when i am going to get this {$350.00} bonus in each account. When i asked them- not getting very clear answer.
Zions bank has decided to close my account because of their own misconduct regarding a fraudulent wire transfer claim. The XXXX did nothing other than allow Zions bank to not follow procedures and federal regulations, lie about facts in the case and conduct their own investigation. Now my account gets closed because i filled a complaint? That's retaliation! But let me guess it's perfectly fine for these small minded, superficial XXXX that call themselves executives to do so. I'm not impressed and I intend to move forward with legal action even if at the very least it embarrasses Zions bank and lets everyone know how they really treat customers.
I am requesting that the late payment reporting related to this account be removed or corrected. The only charge on the account was an annual fee, and my billing statements did not clearly show a required payment or due date before the late payment was reported. I am requesting correction of the credit reporting to reflect accurate payment history.
The XXXX letting Zions bank conduct its own investigation regarding the {$10000.00} I lost in a wire transfer is absurd. This entire process has been nothing but embarrassing, unprofessional and stupid. Zions Bank waited 7 days to send a recall to XXXX XXXX and according to XXXX XXXX it never was received. Zions Bank lied about me though the recipient. So consumer protection my XXXX! Thanks for nothing
We requested copies of the appraisals we have been charged for over the course of the past XXXX years. Withholding these appraisals that we are being charged for violates ECOA Regulation B ( 12 CFR 1002.14 ) No copies of any appraisals have ever been received by us, despite numerous requests for them and the law requiring Zions Bank provide them in a timely manner. I believe these fees were assessed but NO appraisal was ever completed, because the company can not provide any evidence of any appraisals, they only provide evidence of the fees they have charged us. See attached response from Zions Bank on XX/XX/year> admitting they are charging us these fees and not providing any copies of the appraisals or valuation reports, just providing evidence that the fees were charged.
Check was deposited XX/XX/XXXX, was told check would be on hold for a few days, I was told the same for the previous checks and funds were available the following business day. On XX/XX/XXXX I check my account for either a pending status or available funds however none is available At XXXX XXXX on XX/XX/XXXX I when to my local branch for information were they then told me the account will be on hold until XX/XX/XXXX information that if I was told on XX/XX/XXXX I would have not deposited the check then and would have waited to deposit it at another branch or bank. Called Customer service and was given conflicting information some saying the funds should be available by XX/XX/XXXX others saying it'll be available on XX/XX/XXXX. This forced me to contact Zions Bank corporation the parent company of Amegy Bank to receive the correct information and the Customer Service Representative was also confused as to why the checks weren't verified before and only now.…
XXXX XXXX XXXX XXXX opted to close all four of my accounts ( two checking and two savings ) on XX/XX/XXXX of XXXX. They froze the accounts on that date and prevented previously established autopay ACH transactions for my monthly HOA dues, mortgage and credit card from debiting my account. I have been a customer of XXXX XXXX XXXX XXXX for 21 years. I received no notification of this action taking place until I received a letter in the US mail on XX/XX/XXXX that was postmarked XX/XX/XXXX of XXXX. I called the XXXX XXXX customer service line on the evening of the XXXX and they claimed that they could not tell why this was taking place and referred me to my local branch. I went to my local branch on XX/XX/XXXX of XXXX and was told by the Branch Manager XXXX XXXX ( XXXX ) that the Local branch had been notified of the account closure by Zions Bancorp ( parent company of XXXX XXXX XXXX XXXX ).…
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: XXXX XXXX XXXX VIA CERTIFIED MAIL AND EMAIL\n\nTO: XXXX XXXX XXXX XXXX Attn: XXXX XXXX Branch Service Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA\n\nSubject: URGENT: REQUEST FOR 90-DAY ACCOUNT CONTINUATION Account Ending in XXXX\n\nDear XXXX XXXXI am writing to formally request a temporary continuation of my account ending in XXXX. This account is the primary receiving account for my U.S. Social Security and Federal benefits.\n\nAs a U.S. Veteran and citizen residing in XXXX, I am facing severe bureaucratic hurdles in complying with your institutions decision to close my account.…
An unauthorized charge popped up on bank account on Tuesday XX/XX/XXXX for the transaction : XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX I called XXXX XXXX XXXX XXXX XXXX Zions XXXX ) immediately and they stated the charge came from my debit card which was only utilized a few times. The next day I called XXXX XXXX XXXX XXXX XXXX Zions XXXX ) on Wednesday XX/XX/XXXX, and requested provisional credit and provided a police report. The bank proceeded to let me know that Wednesday morning an attempt of withdrawing a large amount of money was made at an ATM in XXXX, Texas. Then another attempt was made via online through gobanking. Both transactions were rejected since the bank canceled the debit card. XXXX XXXX XXXX XXXX XXXX Zions XXXX ) has been unresponsive in providing any additional details of the investigation. As of Friday, XX/XX/XXXX, I have not received a provisional credit authorized under Regulation E.…
I have Amegy bank XXXX and XXXX market account. I tried to schedule XXXX transfers to my external XXXX bank account for XXXX XXXX. First XXXX gave error ( Daily ACH limit exceeded without specifying how much is the limit ) so I talked to customer service they stated that it is $ XXXX per day. So i tried to have $ XXXX per day. But only the very first is done but others are failing.
I opened XXXX XXXX and Money market account on XXXX XX/XX/year>. On XXXX XX/XX/year> when i tried to move money from XXXX account to money account via online access it didn't worked. Then i called the customer service. They also tried and then asked me to go to the nearest branch in XXXX XXXX where i went there to do this transaction. Well i told them that i can not keep on coming to the branch like this. Today when i tried to move {$3000.00} from XXXX account to money market account it didn't allowed and gave this error once again.
This complaint concerns post-fraud negligence by Zions Bank and the closure of my prior CFPB complaint without evaluation of new material third-party evidence that directly contradicts Zions Banks regulatory representations. In XX/XX/year>, I authorized a {$10000.00} domestic wire transfer through Zions Bank. I did not know the recipient, which is why I was physically present in the branch with a Zions bank manager attempting to verify recipient information prior to the transfer. Within days, the transaction was identified as fraudulent. I reported the fraud immediatelyfirst through Zions XXXX phone line on a Saturday, then in person at the branch on the next business day. I also filed an IC3 report and contacted local law enforcement. Zions Bank initiated a recall on XX/XX/year>. After that recall, Zions failed to provide timely communication, failed to explain escalation steps, and failed to provide transparency regarding coordination with the receiving bank or law enforcement.…
I opened a line of credit with National Bank of Arizona for my new business, but with me as the sole personal guarantor. I submitted a complaint with the CFPB because despite multiple requests to receive signed copies of the documents I signed, NBAZ did not provide them. After my last CFPB complaint, I did finally receive the documents. However, NBAZ has been incorrectly charging me payments on this loan, in a matter which is inconsistent with the loan documents. Per the loan documents, my monthly payments of principal and interest are supposed to be {$1200.00}. However, for the last several months, NBAZ has only charged me interest and no principal, which has resulted in me paying more interest than I would have. I called the branch and asked for this to be corrected, but it doesn't appear to have been corrected and I'm unable to do so in online banking due to their extremly limited functionality.…
I am submitting this complaint regarding improper and excessive mortgage servicing fees assessed by Zions Bank on a reaffirmed HELOC. The loan was reaffirmed in a XXXX XXXX. During the active bankruptcy period, we were legally prohibited from making payments. Outside of that period, we have remained current and on time. At the time the HELOC was originated, the home was valued at over {$170000.00}. The current estimated value exceeds {$370000.00}. Despite this substantial equity and a very low principal balance ( approximately {$7800.00} in XXXX, now {$5900.00} ), Zions Bank has repeatedly charged appraisal and valuation-related fees, sometimes multiple times per year. These fees totaling almost {$5000.00} have inflated the payoff amount to over {$11000.00}.…
. Facts Within 3 days of my mothers passing I notified your institution of my mothers death and requested that her accounts be frozen until an executor was appointed. Despite this, XXXX unauthorized transactions occurred on XX/XX/year>, after her death : o {$8500.00} transfer at approximately XXXX XXXX ( Time Estimated due to lack of documentation requested multiple times from XXXXXXXX XXXX XXXX. ) o {$2800.00} transfer at approximately XXXX XXXX ( Time Estimated due to lack of documentation requested multiple times from XXXXXXXX XXXX XXXXXXXX. ) o {$700.00} payment to a XXXX credit card at approximately XXXXXXXX XXXX ( Time Estimated due to lack of documentation requested multiple times from XXXXXXXX XXXX XXXXXXXX. ) These transactions were executed using my mothers phone after her passing. No executor had been appointed, and no authorization existed for these withdrawals. Evidence I have documented proof of these transactions.…
I am filing a complaint regarding repeated overdraft fees charged by Zions Bank despite having available funds in a linked savings account at the same institution. In XXXX alone, I was charged {$690.00} in overdraft fees across 24 separate fees. These overdrafts were not the result of reckless spending, but rather transaction timing. Funds were available in my Zions Bank savings account, and I transferred money as soon as I noticed the checking balance was negative. However, overdraft fees were applied before transfers could post. These fees have created a cycle of financial harm. If the overdraft fees were refunded, my account would be positive. Instead, the fees themselves are what keep my account overdrafted. I contacted Zions Bank directly and was told they could only refund one overdraft fee. This is inconsistent with prior refunds I have received and does not reflect the full scope of the issue.…
In XX/XX/year>, I signed up for a small business credit card through XXXX XXXX XXXX for my single-member LLC. There was a new-account bonus associated with the card -- {$1000.00} cash back. When that bonus never hit my account, I called and asked why not ; they said there was an item in their fine print that claimed only " XXXX new account bonus per business per 48 months. '' While I do see that on their * current * Terms & Conditions -- and it is true that I received this same bonus from them within the XXXX period -- I don't believe that item was in the XXXX & XXXX 's when I signed up. I've asked them to please show me that language and no one ever has ( after at least XXXX calls where I was promised a callback... I was only called back once from an Unknown Number that I didn't pick up. ) I even checked my application ( which I completed via XXXX ), but they removed it from the XXXX XXXX ( I have a screenshot I will provide if prompted ).…
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