Zions Bancorporation

XXXX XXXX has placed a total operational profile freeze on my business account, completely restricting my access to a {$60.00} cash deposit and a {$29000.00}. business check. The {$29000.00} check has fully cleared the paying institution, and I have provided the bank with undeniable transaction evidence proving its legitimacy. Furthermore, my business is exclusively and legally registered with the Texas Secretary of State. XXXX XXXX XXXX risk department explicitly stated they are maintaining this freeze based entirely on an informal XXXX search of an unrelated website. By withholding my cash deposit past 24 hours and freezing cleared funds based on an internet search rather than official state registries, XXXX XXXX is in direct violation of Federal Reserve Regulation CC ( S 229.10 and 229.13 ). This improper banking practice is actively paralyzing my business operations. I am a new small business who does sub contracting work to install roofs.…

Fraud from people claiming to be FDIC agent, wire transfers, courier pick up and XXXX XXXX payment

Company : XX/XX/XXXXXXXX Zions Bancorporation Product : XXXX loan / business banking / loan servicing Issue : Prolonged processing, unclear servicing demands, operational interference, failure to identify contractual or regulatory basis I submit this complaint as the owner and guarantor of the borrower. For purposes of this complaint, XXXX means the same Texas limited liability company that obtained the XXXX loan from XX/XX/XXXX was formerly namedXX/XX/XXXX XXXX and is now legally named XXXX XXXX XXXX XXXX, with anticipated operations under the XXXX XXXX XXXX XXXX. Complainant means the owner and guarantor of XXXX. This complaint concerns XXXX handling and servicing of XXXX XXXX loan relationship. The issue is not ordinary dissatisfaction with processing speed. The issue is XXXX repeated creation of operational delay, uncertainty, and borrower burden without clearly identifying the contractual, regulatory, or servicing basis for its demands.…

I had a blocked trust account opened up for me in XXXX because I was awarded XXXX from an accident I was in when I was a minor and XXXX XXXX XXXX closed the account the day I turned XXXX without a judges signature and I was in XXXX taking care of my grandmother the day I turned XXXX and I forgot about the money even being there until recently so I went down to get the judge to sign off on it so I could get the money disbursed to me and when I went down to the bank with the court document and that's when they told me the account was closed and they weren't going to follow the order from the judge ..…

The issuer ( XXXX XXXXZions ) violated Truth in Lending Act ( TILA ) Regulation Z, 12 CFR 1026.7 ( b ) ( 14 ), by failing to disclose the expiration date of my 6-month promotional interest rate on my monthly billing statements. The date was completely missing from all PDF statements and the online banking portal. I was forced to call customer service on XX/XX/year> just to obtain this legally required disclosure. I am filing this complaint to hold the financial institution accountable for systemic non-compliance and to ensure no illegal interest is assessed to my account.

On the early morning of XX/XX/XXXX, I logged into my Zion 's Bank account and noticed three withdrawals ( listed as XXXX XXXX Shafier ). I called the bank and they told me to go into the branch, which I did. I was there for XXXX hours where the employee called in a dispute, let them know these were fraudulent withdrawals, and that I didn't recognize the name or authorize such charges. I also found a secure message to me from the bank stating, " You recently added an external account that we have verified you are not an authorized signer on. Please reach out to your XXXX XXXX for more information on adding an External Account for a friend. An External Transfer to a Friend Enrollment Form will need to be completed and returned to the branch in order to complete this action. If you did not add an external account, please contact XXXX XXXX at XXXX opt 3. '' When I called the number, they told me they couldn't speak to me.…

I opened an account on XX/XX/XXXX and deposited my federal refund check and was informed that there would be a 9 day hold on my funds because of it being a new account. I was given a paper confirming that my funds would be available on XXXX. My account says my funds are available on the app and even the tellers when I called said they were available. I went in to make a withdrawal and they said no my funds were on hold. I was told they had received confirmation from the IRS that yes they sent me the money and just needed to double check my identity. I received a letter XXXX XXXX from the IRS stating that if I deposited the check to take it to the bank for confirmation. My account still says the money is available but I still can not access it. I misplaced my debit card and tried to call and have it cancelled and they said they cant cause of a note the branch made on my account.…

I attempted to open a business bank account and apply for a XXXX XXXX loan but was denied services - When i asked why, they ignored my calls and emails

I am filing this complaint regarding a suspected unauthorized change to my bank account and the banks refusal to provide critical account information or conduct a transparent investigation. I discovered that the mailing address associated with my account was changed to an address that I did not authorize and do not control. This raises serious concerns regarding unauthorized access, potential identity misuse, and the security of my account. When I contacted the bank to report this issue : I was refused information regarding when the address change occurred I was not provided any details regarding how the change was authorized or processed I was told I must appear in person at a XXXX branch, despite residing in XXXX I was refused disclosure of my own account number over the phone, even after completing identity verification Additionally, I was informed that the address change allegedly occurred prior to XX/XX/year>.…

I am writing to formally file a complaint about the denial of my fraud claim regarding my XXXX ( XXXX XXXX XXXX XXXX ) personal checking account, check number XXXX dated XX/XX/XXXX which cleared my account on XX/XX/XXXX, in the amount of {$46000.00} after being stolen from within US Postal Service ( Certified Mail ), then washed, fraudulently altered and deposited. XXXX denial email dated XX/XX/XXXX states that redress was denied because I did not file a timely claim. This conclusion is legally and factually incorrect. This check was materially altered without my knowledge or authorization. The original check was written to IRS US TREASURY for {$46000.00}. It was fraudulently intercepted and stolen at the US Postal Service, and the payees name changed, the memo line deleted on the front of the check, on the back, my and my wifes full names and Social Security numbers deleted.…

Previous complaint # XXXX National Bank of Arizona responded to the XXXX and wrote a letter stating that they had no record of the transfer arriving at the bank. Complaint # XXXX & XXXX with XXXX says they sent the money to the bank. I have been complaining that I need my money to survive, and all they say is that they're working on it. They had 10 days to get me my money, and it has been 30 days+.

I opened a XXXX XXXX checking account during the promotional period ( XX/XX/XXXX ) where I had to make {$7500.00} direct deposit in 90 days and then within 60 days of the qualifying activity I would receive {$350.00}. Multiple times the reps confirmed that I made all the qualifying activities and that its a mystery as to why the {$350.00} has not shown up on my account. I have been passed around from call center to branch and secure messages and all passing the buck to each other and no one knows why I have not received the {$350.00} despite meeting all the requirements. Very frustrated with the bank and having spent hrs on the calls

I opened an XXXX XXXX account during the promotion period ( on XXXX XXXX ) where the terms required me to make {$7500.00} in total direct deposits within 90 days and then the bonus would post within 60 days of qualifying activity. On multiple calls with customer service reps and branch, I was told that I have met the requirements for the {$350.00} bonus but it seems mysterious to them as to why the bonus has not posted. I keep getting a run around stating to reach the branch and then to call centers and then secure message but all passing the buck to each other.

California Bank & Trust has given me issues since opening account with no explanation. there is a check deposit over 15 days to no answer why no clear. they keep given me the run around. this bank lock me out of online account. This been going on for a while issues rude bias

This complain is about XXXX XXXX XXXX. On XX/XX/XXXX I noticed that there was a charge in my checking account for the amount of {$1000.00} dated XX/XX/XXXX originating from XXXX XXXX XXXX XXXX. When I googled it I knew right away that I didn't spend {$1000.00} at XXXX XXXX XXXX since I have never been there in my life. I disputed that transaction on XX/XX/XXXX. The same day I got an email from my bank saying that they have received my transaction dispute information and that they would begin their investigation. Seven days later I noticed that I received a credit for the amount of {$1000.00} showing as " Bankcard DISPUTED PROVISIONAL CREDIT ''. After that I kept checking my emails waiting for the results of the investigation, but it never came. I said to myself OK I got my money back so everything was fine. Then a few months went by and on XX/XX/XXXX I noticed that my bank took back the {$1000.00} on XX/XX/XXXX showing " REVERSE PROVISIONAL XXXX XXXX ''.…

My husband and I have a joint checking account with Zions Bank, and we currently have exactly {$2100.00} frozen in it. We desperately needed to send {$1500.00} of our funds to help with a critical family emergency. When we attempted to make this transfer, the system blocked us and completely locked us out of the account, freezing our entire balance. Before trying to move our money, we had even called Zions Bank to inform them of our situation, and their representatives assured us it would be fine. When we called back this morning after the block, we were treated terribly. They refused to unblock our account over the phone and callously told us to just go into a physical branch, completely ignoring the fact that we are currently out of the country in XXXX and can not visit a branch. Our family members are suffering, and Zions Bank is keeping our own hard-earned money XXXX when it is needed most. They are causing severe distress to my household.…

XXXX XXXX ( Zions Bancorporation, N.A. ) charged my business 74 monthly " Analysis Service Fees '' totaling {$12000.00} on account ending XXXX between XX/XX/XXXX and XX/XX/XXXX. I am requesting refund of the remaining {$11000.00} ( net of a {$900.00} partial refund ). A complete indexed evidence package ( Documents XXXX ) supports this complaint. In XX/XX/XXXX, the bank converted my account from " Business Checking '' to " Commercial Analyzed Checking '' without my authorization or notice to administer an AR factoring relationship with XXXX XXXX XXXXXXXX XXXX. The bank 's own application form ( Doc 15 ) lists my account as a " Business Bank Account '' with no lockbox just weeks earlier. My contemporaneous email to the bank 's relationship manager ( Doc 09 ) shows I learned of the conversion only after it occurred. There is no customer authorization for the conversion in either party 's records.…

Loan was originated by XXXX XXXX in XXXX and it was a XXXX year fixed loan and interest rate adjusts at the end of every XXXX years to a new interest rate and it stays fixed for another XXXX years. XXXX bank sent a loan adjustment notice in XX/XX/XXXX stating that new interest will be increased to 6.055 % from 3.59 %. New payment was withdrawn on XX/XX/XXXX from my bank and XXXX statement showed the new interest and new amortization amounts. I received another notice on XX/XX/XXXX stating that interest being increased from 6.055 % to 6.405 % and new payment will be deducted on XX/XX/XXXX. I protested and sent them an email and they are simply saying that they made an internal error and that is why interest rate was increased XXXX. I need your help as I think they are simply increasing it a XXXX time when it was supposed to stay fixed for another XXXX years. If they made an error then they have to take the loss as it is their mistake.…

CFPB Fraud Complaint Draft Company XXXX XXXX XXXX Complaint I am filing this complaint regarding fraudulent transactions connected to my XXXX XXXX XXXX account involving XXXX transactions. On or around XX/XX/year>, unauthorized or fraudulent transactions totaling approximately {$1000.00} were made from my account in connection with XXXX or cryptocurrency activity. I did not knowingly authorize these transactions in the manner they were processed and I believe I was the victim of fraud/scam activity. I immediately reported the issue to XXXX XXXX XXXX and requested an investigation. Since then, I have filed complaints and disputes with the bank XXXX separate times. Each time, the bank denied my claim without providing a meaningful explanation or sufficient evidence showing how the investigation was conducted.…

On XX/XX/XXXX, XXXX XXXX loan officer XXXX XXXX offered me a HELOC on behalf of borrower XXXX XXXX XXXX, XXXX ( property located at XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ) with the following terms via phone : an APR of 4.5 % locked in for 12 billing cycles and a waived appraisal fee. Shortly after that conversation, I sent XXXX XXXX a follow-up email explicitly requesting written confirmation of those terms for my records. She never responded and never disputed or corrected the terms as I stated them. On XX/XX/XXXX, the first closing attempt took place. The promotional rate terms were entirely absent from the closing documentation no mention of the agreed APR or waived appraisal appeared anywhere in the official documents presented. When I inquired about the missing terms, XXXX XXXX produced a blank, unsigned addendum and sent it to me separately outside of the official closing documentation.…

Subject Request for Reinstatement Review Before Auction I am a long-term customer with ZionsXXXXXXXX XXXX and have successfully paid off several loans over the years, including mortgages, second mortgages, and lines of credit. I currently only have XXXX remaining loan with the bank, which is my truck loan. My XXXX XXXX XXXXXXXX XXXXl truck was recently repossessed after I fell XXXX months behind on payments. The hardship began when the truck broke down approximately XXXX miles from home in XXXX. By the time I had the vehicle transported home and repaired, I had incurred approximately {$11000.00} in repair costs and lost an estimated {$10000.00} in wages due to being unable to work. Shortly afterward, I also lost my job. The truck is now repaired, I am back to work, and I am requesting reinstatement of the loan so I can continue making payments. I offered to pay : the XXXX months past due, repossession-related fees, and an additional XXXX months ahead.…

This is a follow-up to closed CFPB Case # XXXX. The case was closed before we had the opportunity to submit our rebuttal to XXXX 's responses, which contained a critical internal contradiction. XXXX submitted two letters in response to our original complaint : XXXX. XXXX XXXX ( XXXX, XXXX XXXX XXXX ) admitted : " We apologize that the Loan Officer did not express the urgency needed nor the requirement of being paid one month ahead. '' a direct admission of disclosure failure. XXXX. XXXX XXXX. ( Executive Resolution Specialist ) stated : " We consistently provided accurate information regarding the requirements of Budget Drafting. '' a direct contradiction of the XXXX 's admission. Additionally, XXXX XXXX. 's letter references a XX/XX/XXXX letter claiming it informed us our Budget Drafting request was denied. That letter was an ACH autopay confirmation an entirely different program not a Budget Drafting denial.…

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.…