MUFG AMERICAS HOLDINGS CORPORATION CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91739	Web	Servicemember
FRAUD complaint against Union Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX. There are no statute of limitations on Fraud and Fraud vitiates all contracts and everything it touches from the beginning ( United States vs Throckmorton ). After sustaining a few XXXX and not being able to work anymore because of a physical XXXX, Ive been able to read and research more about mortgage fraud happening to me by Union Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX. I've been trying to dispute and resolve this since last year and I have attached much of the proof but I have a lot more that I wasn't able to upload here because its a large amount but it's available upon request. I discovered there was never any actual valuable consideration given nor actual loan given. I gradually discovered all this information and that there was a lot of concealment and non-disclosure and Ive seen how fraudulently these companies operate. There are many violations these companies are committing and they are continually reporting negative inaccuracies causing damages to me and damages to my credit reports & public records causing harm and defamation of character violating 15 usc 1681g and 1681a1. They have violated many laws including but not limited to the Privacy Act of 1974, 15 U.S.C. 1681, 15 U.S.C. 1692, the FDCPA Fair Debt Collection Practices Act, the FCRA Fair Credit Reporting Act, RESPA Real Estate Procedures Act, TILA Truth in Lending Act, Regulation Z, & even the highest of laws, including the Maxims of law and Constitutional law. I first sent Union Bank an email on or about XX/XX/XXXX XXXX when the Forbearance period was ending and I got no response. I then sent a certified letter on XXXX XXXX, XXXX requesting validation of debt via certified mail number XXXX. Union Bank then responded on XXXX XXXX, XXXX, however their attempt to validate the debt did not meet the FDCPA standards. There also was shown a bifurcation/break in the chain of title and the deed did not match the promissory note making the instrument unenforceable yet they are still attempting to foreclose on my home and steal it by filing a Notice of Default in the public records violating FCRA and more. Furthermore, FDCPA codified in 15 USC 1692 stipulates that a debt collector must validate an alleged debt by affidavit, oath or deposition and cease all collection activity until proper validation is provided. Union Bank failed to cease all negative collection activity and failed to comply with accurate reporting, and further keep violating my rights and are continually reporting negative transactions to the credit bureaus and more. On XXXX XXXX, XXXX, I then sent Union Bank an XXXX XXXX XXXX notarized and titled, XXXX Notice XXXX XXXX XXXX XXXX XXXX XXXX, with about 50 averments I discovered about mortgages, fraud, unlawful and lawful contracts and more. I served Union Bank via registered mail through an Administrative Lawful Process, giving them 30 days to respond to my affidavit point by point and according the highest forms of law. Maxims of Law include but are not limited to In Commerce an Unrebutted affidavit stands as truth, and A Declaration after 30 days becomes the final judgment in commerce, and Indeed no more than an affidavit is necessary to make a prima facie case ( United States V Kis, 658 F2d, 526,536 ( 9th cir 1981 ). I sent Union Bank via Registered mail # XXXX XXXX & XXXX notarized XXXX XXXX XXXX along with an Estoppel with return signature receipt requested. I received confirmation of receipt in the mail however, there was no response to my XXXX from Union Bank. On XXXXXXXX XXXXXXXX via registered mail # XXXX XXXX & XXXX I then gave Union Bank another chance, in honor, another 10 days to respond and yet they still did not respond to my affidavit & it went unrebutted. They failed to respond to the affidavit altogether therefore tacitly agreeing to all the statements and acquiesced by silence ( see attached ). I then served Union Bank their final Notice of XXXX XXXX XXXX notarized with a True Bill in commerce on XX/XX/XXXXXXXX XXXX via Registered mail # XXXX XXXX & XXXX for over XXXX XXXX dollars in violations of Fraud and more ( see attached ). Silence can only be equated with Fraud when there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading ( U.S. vs Pruden & U.S. V. Twill ) Union Bank to this day has not responded to any of my affidavits of truth yet continue to criminally trespass on the issued Collateral Estoppel and violate my privacy rights and the laws stated above. On XX/XX/XXXX I responded to a letter that XXXX XXXX XXXX, an unauthorized 3rd party sent me, that I did not give my written expressed permission to yet they sent me a letter saying Union Bank obtained them as Counsel to try to collect information to collect the debt. I responded via certified mail # XXXX letting them know that by operation of Law, Union Bank has already been put on Notice of Default and Dishonor and are under Collateral Estoppel and are prohibited from any collection activity ; no one, nor third party, can further make a claim as its already Res Judicata on its dispute. Nevertheless, XXXX XXXX XXXX continued to criminally trespass on the Estoppel and that as well and sent me another package I received on XX/XX/XXXX that I realized had possibly forged and or fraudulent backdated documents on them. I would like to see the authenticity of those documents, a forensic audit requested may be in order here. Furthermore, if they barely got it transferred in their name in XX/XX/XXXXXXXX XXXX, how were they sending me and collecting on bills for years before that? A forensic and securitization audit is recommended for proof of all fraud committed. Furthermore they trespassed on the Estoppel I issued Union Bank on XX/XX/XXXXXXXX. Theres so much apparent fraud that needs to be addressed, investigated, audited and looked into here to avoid further violations of my rights, trespass and harm. Union Bank, XXXX XXXX XXXX and XXXX XXXX XXXX appeared to have conspired together ( as it can be found XXXX XXXX XXXX and XXXX XXXX XXXX share a same address on XXXX XXXX in XXXX XXXX ) They continue to criminally trespass on the issued Estoppel and continually report negative items on all of the credit reports and even public records and are continually issuing threatening foreclosure mail and statements which are in clear violation of FCRA, FDCPA and many of the laws stated above. They further fraudulently filed a Notice of Default on public record XX/XX/XXXX at the XXXX XXXX XXXX records causing me so much XXXX XXXX to me as well as my family and tenants causing harm and defamation of character. They sent out mail to 3 different addresses on XXXXXXXX XXXX XXXX violating my privacy rights and further causing harm. They furthermore keep reporting negative inaccuracies on many 3rd parties and credit reporting agencies including XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. I then further served all 3 companies via registered mail notarized to Union Bank, XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX an XXXX XXXX XXXX and Notice to Cease and Desist via Registered mail # XXXX XXXX, XXXX, & XXXX & I also sent them a copy of my notarized rescission of signatures for Fraud dated XX/XX/XXXX and noting it goes back to anything signed from XX/XX/XXXX to present including rescission of signatures to MERS and Union Bank and any versions of their changed names or parenting or affiliated companies and or debt collectors ( see attached ) I tried to call XXXX on XX/XX/XXXX to report the Fraud as well to all 3 credit reporting agencies including XXXX and XXXX and they told me they would investigate it but the results just show that it seems verified and if there is identity theft to call the companies because they may not have a phone number to call me, but they all just continue to report inaccurate reporting causing me defamation of character, harm, emotional distress and more and violating the FCRA and the FDCPA. I have a pile of proof of all this evidence but the file was too large to upload here ( available upon request ; I can email it or mail it to you ). They are actually trying to steal my property and put it in foreclosure when they have no lawful or legal standing and the instruments are defective, fraudulent and are unenforceable according to State and Federal law. Their Fraud must be investigated and handled appropriately and their violations must stop immediately. My Constitutional Rights must be protected and furthermore I should be protected by all the laws put in place including at the Federal and State level including FCRA and FDCPA. According to UCC 9-203. ATTACHMENT AND ENFORCEABILITY OF SECURITY INTEREST ; PROCEEDS ; SUPPORTING OBLIGATIONS ; FORMAL REQUISITES ( b ) [ Enforceability. ] Except as otherwise provided in subsections ( c ) through ( i ), a security interest is enforceable against the debtor and third parties with respect to the collateral only if : ( 1 ) value has been given ; ( no value has been given, no valuable consideration or loan from Union Bank, XXXX XXXX XXXX or XXXX XXXX XXXX ) Was the obligor in the mortgage or vehicle consumer credit contract given Valuable Consideration for the Note, Lien from the originator, the beneficiary of the deed of trust, the REMIC depositor or underwriter buyer ( s )? No? No valuable consideration or loan was ever given and that was not disclosed to me from the beginning. Theres also apparent Securities Fraud involved that should possibly be investigated by the SEC and or the Attorney General. Case should be rested and closed here, no attachment under UCC 9-203 ( a ), no enforceability of the Note under UCC 203 ( b ), by any holder-in-due course or holder or non-holder of the Note, such as servicer, trustee, beneficiary of the deed of trust. read 'Attachment ' UCC 9-203 UCC 9-203 ( b ) enforcement of a lien against the Debtor only if Valuable Consideration has been given to your Debtor THE NEGOTIABLE INSTRUMENT NOTE BEING FORECLOSED ON HAS FORGED ALTERATION AND THEREFORE, THERE IS AUTOMATIC DISCHARGE OF ANY DEBT. It appears there has been more fraud and possible forgery with the documents they recorded on XX/XX/XXXX at XXXX XXXX as it appears to be extremely and unusually backdated to XX/XX/XXXX. I would like to see an audit of that Notaries book of signatures and thumbprints and dates and get aknowledgement of verified notary. It was mailed to me on XX/XX/XXXX. They further didnt give me due process, nor 30 days to respond and they quickly filed a Notice of Default on XX/XX/XXXX fraudulently yet it is in public records for all to see and now XXXX shows pre foreclosure and Im eXXXX XXXX as I'm now getting harassed daily with constant calls, and mail and its going to all 3 different addresses defaming my character and causing much emotional stress to my family, tenants and I, causing harm. Per Cal. Civil Code section 1700 ( material Alteration ) & Cal Penal Code 496 ( forgery ) and Per UCC 3-407 - ALTERATION Despite the debt being disputed and made Res Judicata by their silence and non-response and tacitally agreeing to my Affidavit of Truth on XX/XX/XXXX along with a placed Estoppel on that date to hault collection activity and reporting ( see attached ), UNION BANK XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX continually criminally trespass on the Estoppel and seemed to have conspired together and acted in dishonor and bad faith without due process and Fraudulently filing. I have further rescinded all signatures, power of attorney, or beneficiary and/or trustee powers to anyone at Union Bank XXXX XXXX, any and all mortgage companies and debt collectors going back to XX/XX/XXXX and forward for Fraud and have provided them a copy as well as have attached it here ( it is dated XXXX ) Therefore, the Notice of Default filed XX/XX/XXXX by a defunct Trustee is NULL and VOID Nunc Pro Tunc as they have no authority or standing to act as a Trustee. I would not have signed any of those fraudulent contracts, Deed of Trust, if there was actual full disclosure and as that was sheer trickery played on me. There was no full disclosure and meeting of the minds to the contract agreement. The bank against me the alleged borrower, constructed the contract without me having all of the same information as per the rules of the contract. Therefore there has been a breach of contract. Making all contracts Null and Void. Due to the fact there was no meeting of the minds to the contract prior to the signing of the contract, and that the rules of the contract were deceptive in nature and was designed to benefit one party over the other i.e. to the benefit of the Bank who constructed the contract, this is FRAUD by the misrepresentation of a material fact. Through the rules that dictate contract law, and through the Statute of Frauds, there must be a meeting of the minds of the rules governing the contract or the contract is to be deemed null and void. FOR ALL THE ABOVE REASONS, THE attempted XXXX XXXX BY Union Bank, XXXX XXXX XXXX and XXXX XXXX XXXX IS WRONGFUL ILLEGAL, HARMFUL AND NULL AND VOID. IT MUST BE TERMINATED IMMEDIATELY AND NOTICE OF DEFAULT RESCINDED. A FULL SATISFACTION OF MORTGAGE AND RECONVEYANCE OF THE DEED MUST BE RECORDED IN XXXX XXXX XXXX WHERE THE PROPERTY IS LOCATED. SHOULD THEY CONTINUE WITH THE WRONGFUL AND ILLEGAL FORECLOSURE, THEY WILL BE INVOICED TRIPLE THE AMOUNT THEY ARE FORECLOSING ON IN DAMAGES. I WOULD LIKE TO REQUEST CFPB Consumer Financial Protection Bureau TO INVESTIGATE THE FRAUD THAT IS BEING PURPORTED ON CONSUMERS UNDER THE GUISE OF A MORTGAGE AND TAKE APPROPRIATE ACTIONS TO PROTECT THE UNINFORMED CONSUMERS. Thank you for your immediate help and investigation in this matter to protect me and others against all these violations as a federally protected consumer.
06/21/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	WA 98203	Web
Summary : Union Bank 's mishandling of my account has escalated into overt criminal harassment, intimidation and continued violations. Most recently, Union Bank solicited a third party agent to photograph inside my home windows and open my front unlocked storm door and attempt to open my locked front door. See surveillance videos and photo stills ( turn volume on for doorbell camera-the trespasser did not knock or ring the doorbell ). Union Bank sent out this " agent '' AFTER, Union Bank and Borrower were in a loan modification trial plan agreement and Union Bank had received the Borrower 's first payment-this occurring several days PRIOR to their sending out a creepy person dressed in all black, wearing a hood and photographing inside windows and trying to enter the home. No reason and no notice provided. Did not knock or ring the doorbell. Timeline of Events On XX/XX/XXXX, I received a streamline loan modification solicitation offer- after having filed a prior complaint against Union Bank for their mishandling of my account post covid-19 forbearance. However, Union Banks initial offer provided : ( 1 ) an incorrect interest rate per the XXXX XXXX streamlined modification interest rate guidelines/table ; and ( 2 ) a shortened response deadline that is also inconsistent with XXXX XXXX guidelines. On XX/XX/XXXX, I brought Union Bank 's deficiencies in their streamline solicitation offer dated XXXX XXXX to XXXX XXXX, manager of the mortgage assistance department. I provided XXXX XXXX with the specific guideline citations she had violated. XXXX XXXX stated she needed time to research the XXXX XXXX Guidelines. On XX/XX/XXXX, I received a new streamline solicitation offer with an interest rate of 3.875 % and a response deadline of XX/XX/XXXX. On XX/XX/XXXX, I made the first payment under the payment plan agreement and I returned the signed agreement to Union Bank via email and overnight mail. On XX/XX/XXXX, a woman wearing all black with a hood pulled over her head took photos all around my home, put her camera into my windows and snapped photos of the interior of my home and opened the unlocked front storm door and tried to walk inside the front door. I was in the room next to the front door and I heard someone open the front storm door ( which creaks as it opens ) and attempted to open the front door to my home. ( see attached videos ). The noise of the person trying to unlawfully enter my home woke up my dog as heard in the video, which apparently spooked her. The audio and video also corroborates the fact that the attempted intruder never knocked or rang the doorbell. It was very scary and intimidating. I was already on heightened awareness for reasons described later. If the person had walked through my door as she intended to do, she would have been XXXX Please read that last sentence again. If the person had walked through my door as she intended to do, she would have been XXXX. Think about that for a moment. The police were called immediately and a report was filed. The person that tried to enter my home was believed to be an associate of a federal inmate that had escaped from prison. The surveillance videos were requested by and provided to City Police XXXX County Sheriff 's Deputy and the US Marshal 's Service. I was terrified. Law enforcement believed that she or the escaped inmate would return to my home. The responding officer reviewed the surveillance videos and noted how she intentionally covered her head with her black hood to shield to face. Law enforcement sent video to forensics to enhance the license plate on the perpetrator 's XXXX XXXX XXXX, XXXX XXXX. I was absolutely terrified. I feared that someone would return to my home and that they were taking photographs to document the layout, etc. I was scared to be alone. I had someone stay with me. I was scared to leave my house for fear of someone being in my home upon my return, so I could not leave my home. I covered all my windows with solid curtains. I added additional cameras to the 10 existing cameras. I added more exterior lights. I had to have someone stay at my home while I went to visit my sick mother on mother 's day. The day I had planned for my mother was cut short because of the fear that someone would return and successfully break in. On XX/XX/XXXX, at the suggestion of a neighbor/attorney, I contacted Union Bank ( mortgage company ), out of an abundance of caution, to see whether the creepy woman with a hood trying to enter my home was an agent of theirs. On XX/XX/XXXX, XXXX from Union Bank confirmed that Union Bank had NOT sent anyone to my home. XXXX confirmed receipt of payment and the signed agreement with the bank having been received XX/XX/XXXX and reiterated the fact that " there would be no reason for us to send anyone out as we received your payment plan agreement and your payment on XX/XX/XXXX. '' He said there was no mention of anyone being sent out on my file and said that it looked like I had been in frequent communication with Union Bank, including his department manager, XXXX XXXX. XXXX said he would send a note to XXXX XXXX to double check for me. On XX/XX/XXXX, XXXX XXXX contacted me and admitted that Union Bank had " mistakenly sent someone to the property, but that that person should not have tried to come inside and she should not have put her camera through a window to photograph the interior of the home. '' XXXX XXXX said that she needed to investigate the invasive nature of this inspection. I told XXXX XXXX I had surveillance footage depicting everything I had described to her, yet she was not interested in viewing the footage. On XX/XX/XXXX, XXXX XXXX, a manager at Union Bank, called me and stated that the Deed of Trust allows them to send someone out at any time and look inside the home. I know that to be false and stated that is untrue. XXXX XXXX claimed that the inspector tried to knock. Again, false information that is disproved by the surveillance footage and video doorbell footage. See attached video. The person never knocked, never rang the doorbell, and she tried to enter my home. The Deed of Trust does NOT allow for any uninvited person to enter my home or take photos of the interior of my home without written notice. On XX/XX/XXXX, XXXX, from XXXX XXXX XXXX XXXX XXXX, contacted me. XXXX is the third party contractor who employs the person that violated my constitutional right and tried to enter my home without written notice, reason or permission. XXXX tried to convince me that it is legal to photograph INSIDE someones home and is okay for them to try to enter that home or try the locks as XXXX said. XXXX refused to cite any legal authority that would supersede my constitutional right to privacy in my home. I did not authorize Union Bank to provide Safeguard with my personal phone number to continue their harassment campaign and further attempt to convince me that their intrusive and unlawful conduct were somehow okay based on their misrepresentations of the Deed of Trust-just as several of Union Banks managers had prior thereto. XXXX Bank had multiple different senior level managers contact me, many on the same day. I kept getting passed around, but theyd all misrepresent the Deed of Trust the same. Because XXXX XXXX misrepresentation of the Deed of Trust was rejected, on XX/XX/XXXX, XXXX XXXX, XXXX of residential lending, contacted me. XXXX XXXX once again tried to convince me that the Deed of Trust provides Union Bank the authority to enter my home and photograph inside my windows. Again, I rejected XXXX XXXX misrepresentation of the Deed of Trust. I asked XXXX XXXX to read the specific clause that she claims provides Union Bank the authority to violate my constitutional right to privacy without prior written notice and articulated reason. Needless to say, XXXX XXXX failed to articulate any clause permitting said conduct. To the contrary, the Deed of Trust reads as follows : Lender or its agent may make reasonable entries upon and inspection of the property IF it has REASONABLE CAUSE, Lender may inspect the interior of the improvements on the property Lender SHALL GIVE BORROWER NOTICE AT THE TIME OR PRIOR SUCH AN INTERIOR INSPECTION SPECIFYING SUCH REASONABLE CAUSE. XXXX XXXX became very hostile and unprofessional by adding words to change the meaning of the Deed of Trust and then our phone call mysteriously disconnected. Also, the property is very well maintained. It is evident from the public street or sidewalk that the property was/is occupied. Not to mention Union Bank and I had already established a new agreement and payment had been made several days prior to the person having been sent out to harass me. There was no reason for Unio XXXX Bank to send someone to put their camera in my windows and open my front storm door and try to enter my front door. I have since made multiple attempts to communicate with XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. No one will return my calls/messages. No one at Union Bank has apologized for what it has done. Union Bank has and will continue their campaign of harassment and violations. There was no reason for Union Bank to believe the property was vacated. Not only is the property very well maintained from the exterior, Union Bank and I had been under written contract at the time and Union Bank had received payment several days prior to their sending an agent to look in my windows and open my doors. Whats more, during each of the countless phone calls with Union Bank over the past few months prior to this incident, representatives have consistently confirmed that I live at the mortgaged property that I pay for. There was no reason for Union Bank to have sent out an inspector to a Borrower 's property that has paid and was/is in complete compliance with their agreement, but to harass and intimate the Borrower. The only thing that prevented that person from successfully entering my home was a deadbolt lock. Had I forgotten to lock it ( like I forgot to lock the storm door she walked through ), she would probably be dead right now. The complete negligence and recklessness and lack of boundary on part of Union Bank is astounding.
05/07/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95032	Web
Union Bank ( MUFG ) has spent six weeks claiming they have not received our completed loan modification packet despite it being sent via their secure message center and are only seeing blank pages when sent to the email address they provided us with. They have internal inconsistencies, but blame the borrower for these actions while pushing out the loan modification review process at a time of a pandemic. We understand these are difficult times, but the treatment during our last phone discussion was uncalled for and left little confidence they will follow through. The following is my call log with Union Bank and hopefully it will illustrate why I don't feel further communication on my own may be successful : XX/XX/XXXX : I phoned Union Bank to inquire on a loan modification and information about the process as I have never done one before. I spoke to XXXX who said I wouldnt incur a late charge nor would it negatively impact my credit thru end of XXXX. I agreed for him to transfer me to mortgage assistance for a deferment program. I spoke to XXXX XXXX who advised he will be my contact moving forward, will activate a " loan for loss mitigation '', mail a packet to us by tomorrow morning as well as send it over online, that we have 30 days to complete and that Union Bank will have another 30 days to review. He then gave me his direct line at XXXX, hours of XXXX PT, M-F, and the XXXX XXXX number of XXXX. XX/XX/XXXX, XXXX XXXX left a voicemail to call him, but did not indicate the reason for his call. XXXX : I returned XXXX call and left a message with a customer service agent to have him call me back to which I never received a call. XX/XX/XXXX, XXXX : I attempted to call again, but was placed on hold for 5 minutes before being electronically asked to call later due to high call volume so I hung up. XX/XX/XXXX & XXXX : I submitted our loan modification packet online via secure message center which was how I received the packet from XXXX on XX/XX/XXXX at XXXX. We never received the hard copies, but it it was alright since the soft copies were sufficient. I had to send two secure messages as the files were too large for one message and stated that with details of what were attached. ( I had sent a secure email to XXXX earlier in the week about questions on the packet, but did not receive a response so completed what we could. ) XX/XX/XXXX : I called Union Bank ( UB ) at XXXX to check on status. Spoke to XXXX who referred me to XXXX, the Mortgage Assistance Group. I spoke with XXXX who is part of customer service and said she was fielding all loan assistance calls and process was to file task requests for team members like XXXX to respond to. She will email him directly in hopes for a response sooner than the 3-5 days currently required due to high volume. It appears UB was triaging now. XX/XX/XXXX, XXXX : I received a call from someone who sounded like XXXX asking for my husband, to phone him at XXXX. I returned the call at XXXX and spoke to XXXX from customer service. It seemed very difficult to get a hold of XXXX. XXXX stated he will have someone from his group return my call. Later that day we received a letter from XXXX dated XX/XX/XXXX indicating they aren't able to offer a workout option because they didnt receive our loan modification package. XX/XX/XXXX, XXXX : I called and spoke to XXXX and informed her of the letter to which she indicated our package must be buried in their message center mailbox, and to resend the completed loan modification packet to the email address XXXX where she will forward to XXXX XXXX She offered forbearance as a solution to give UB time to review our packet and to see it as a combined option with a possible loan modification down the road. I accepted based on new terms she will mail me by next week : no interest, no penalty fee, no negative impact to credit history, for 3 months from XXXX, can be reviewed and extended at end of term to continue if needed and modification can be an option in addition to forbearance. She stated our account is now flagged for deferred payments or on hold starting on XX/XX/XXXX. She indicated once she received my emailed packet she will only have time to reply with " received '' so that I know she got it. I forgot to confirm repayment to be added to the end of our mortgage. XX/XX/XXXX, XXXX : I attempted to call UB @ XXXX which was the last number XXXX said to contact her at to see if she received my email. The call dropped 19 minutes later. I was also hoping to discuss why the no interest, no penalty fee, no negative impact to credit history was not in writing ; and to change the repayment option from due immediately after expiration of forbearance period to add to end of mortgage instead. I decided to call again later. XXXX, XXXX : I missed a call from UB leaving no message, but phoned back and spoke with XXXX who asked if we still needed the forbearance plan because the XXXX payment went through which was a surprise to me because that was not the case. She then realized we were on autopay which was the reason for her mistake, but she will remove the autopay from our account to be certain they don't make a withdrawal. She advised if we see any debit to our bank account and overdrawn fees are incurred to give them a call for reimbursement. She also said to give them a call 2 weeks before XXXX to discuss if we need to extend forbearance period and if not then to ask for the 90 day repayment to be tacked on to end of loan and continue mortgage payment on XXXX as usual or do a loan modification if needed. I informed her we also had not received any acknowledgment as XXXX had promised, but XXXX didn't see anything in their mailbox. She indicated she will email XXXX to inquire on my XX/XX/XXXX email of the loan modification packet and asked to confirm my email address so XXXX can use it to flag the email down more quickly. XXXX, XXXX : I received a call from XXXX to phone him back at XXXX, but no other explanation. I phoned back at XXXX and spoke to XXXX who again asked if I was still interested in forbearance. I was confused as that was cleared up with XXXX the day before. She apologized and mentioned that due to Covid-19, the forbearance is indeed a good alternative which buys us time and is common prior to a loan modification. She indicated she will send a message to XXXX to inquire on whether he received our packet. I told her the other service reps have informed me of the same, but I'm not certain the communication gets through as it's been a while. She hoped to have an answer and gave me the 800 number she will call me from so that I know it's her. XXXX, XXXX : XXXX left me a voicemail and I returned his call at XXXX and spoke to XXXX who says his initial notes show to ask if we want a forbearance or another type of loan assistance? I'm thoroughly confused by now and indicated I had already confirmed this with two of his other colleagues. XXXX was able to transfer my call to XXXX and for some reason the connection was poor and very choppy. I informed him weve been placed on a forbearance plan already and was asked to again send our loan modification packet via email for consideration while on forbearance. XXXX indicated what sounded like 2 forms in the packet came up blank. I tried to paraphrase what he said and gave up asking him to repeat himself to which he then said the whole packet consisted of blank forms. I pointed out it was a zip file because it was very large and asked if they had trouble with it being a zip file. He indicated he just received it yesterday from another internal group that handles the emails before passing it on to him. He then asked who placed us on the forbearance plan and that one can only be on one program at time. I informed him XXXX did and what transpired in my conversation with her. Then he said only the collections department can do that and XXXX is no longer with them. Once he said collections I grew very anxious. He says what XXXX told me is not accurate to which I was very confused as he seemed to make it my issue instead of UB 's inability to communicate in a consistent manner. XXXX had sent us the forbearance agreement so I repeated what she told me to which he seemed to sound agitated and asked, " why do you keep saying, " XXXX, XXXX, XXXX and want to argue?! '' which was very inflammatory and unprofessional. I was taken aback sensing he had no intention to seek out a solution, but replied that it didn't matter whose name it is and whether they are still employed, but what we've been asking for since XXXX was their assistance with mortgage relief. He then asked how he was to help me and I'm just shocked he put the onus on me. He didn't explain why using the secure message center did not work. Nor did he offer another solution to securely submit a packet filled with private information. In fact, he didn't seem to recall using the secure message center. He simply said we can only be on a loan modification or a forbearance plan and if we didn't want the latter he will have to pull us off. However, that didn't make much sense seeing UB put us on the forbearance plan because they couldn't find our loan modification package to begin with. He didn't appear to want to help at all and said he will have his manager, XXXX XXXX call me immediately if possible. We have not heard from them and are afraid it will get us nowhere seeing this is only how far we've gotten in seven weeks.
06/09/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 93436	Web	Older American, Servicemember
Th is is my 3rd complaint against MUFG Union Bank, for their sloppy boo k keeping of my loan. For each complaint MUFG Union Bank has patched a minor problem with m y loan but refuse to do a full on fix of the many problems by refusing to audit my loan, and correcting the multitude of problems with it. This is my 3rd complaint, with this email account, with absolutely no help from the CFPB. Could you please clarify how the Consumer Finance Protection Bureau is supposed to help consumers? I havent received any help. They simply pass on the lies told by MUFG Union Bank with no effort put into getting correct information or my loan audited by an independent actual accountant who understands all the errors included in my loan. MUFG Union Bank will patch a problem but never addresses all the issues, stops responding. When I contact them again to resolve all the issues, they send me to another person to not deal with the issues of my loan. This last time they referred me to three separate people with no effort to address the problems with my loan. Here is the latest list of problems, in letter I sent to MUFG Union Bank. I am writing to confirm a phone conversation held this morning, at XXXX a.m. with XXXX XXXX XXXX. i just got XXXX once again by responding to voice mail request for a call back from XXXX XXXX. She got me to change my questions, one more time. Going forward, all interactions with MUFG Union Bank will be in writing. I will no longer respond to phone call requests. XXXX XXXX informed me XXXX XXXX is her boss and will no longer be involved in this discussion. She also got me to agree to changing my questions, against my earlier statements. # 1. In letter from XXXX XXXX XXXX, dated yesterday, XX/XX/XXXX, the fee reflected in the " Loan Activity Report '' charged in XX/XX/XXXX, for {$850.00}, has been moved to the XXXX XXXX XXXX account. -- from the XXXX XXXX report, dated and received on XX/XX/XXXX, from XXXX XXXX, with due date of XX/XX/XXXX and paid date of XX/XX/XXXX of {$850.00}. -The XXXX XXXX XXXX account for this loan was closed in XX/XX/XXXX. -Where are the funds now? -I want these funds applied to the principal of the loan, on the date the funds were credited to my loan by MUFG Union Bank . # 2. Why was the amount of my payment that went to reduce principal changed From the received Loan Activity report received XX/XX/XXXX with data from XX/XX/XXXX through XX/XX/XXXX, from XXXX XXXX, XXXX XXXX. Manual entry XX/XX/XXXX Principal/Curtailment of {$1500.00} Manual entry XX/XX/XXXXXXXX Principal/Curtailment of {$1300.00} with {$230.00} to unapplied funds and continued putting part of my payment to unapplied funds going forward. -I want this money applied to my principal, on the date paymnents were credited to my loan. -Why were funds moved from Principal/Curtailment to unapplied funds? What changed in my loan? -Variable rate did not come into effect until XX/XX/XXXX. # XXXX. Have identified, and MUFG Union Bank has corrected, several errors in my loan. I want it audited back to when it was written. Why is MUFG Union Bank insisting on placing band aide after band aide to my loan? XXXX the loan, back to when it was written, and correct all the issues when they occurred, not when MUFG Union Bank finally admitted to it's errors. # 4. I still don't have a definition of when payments are applied to loan. One person tells me it's the date on the check and the next tells me it's the date the check is received. i was referred to # 4 of my loan, which ends with " until and including the date of collection. '' Is MUFG Union Bank telling me they can hold onto my check as long as they want, in their mail room, saying it wasn't received? During the COVID pandemic, this has resulted in my checks not being credited to my loan for over 2 weeks in many instances. -It appears that my payment, speaking of the {$4700.00} this time, are applied when MUFG Union Bank finally processes the payment, not when it is dated, depending on the mood of the bank at the time the payment is received. The payment of {$4700.00}, was dated XX/XX/XXXX, sent to MUFG Union Bank, by my Bank, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX but not received by MUFG Union Bank until XX/XX/XXXX, when credited to my loan, despite that MUFG Union Bank states the payments are credited according to the date of the check. Regarding my name on the loan, since XXXX XXXX XXXX included it in her response yesterday, despite that I did not bring it up : # 5. I use the last name XXXX. The loan uses the last name of XXXX. The property title is in the last name of XXXX. When I attempted to clear this up with MUFG Union Bank, a completed loan application was required, including 16 documents of personal and private, financial information, which MUFG Union Bank is now requiring and has no legal right to. I refused. I have been to court and have a legal document changing my last names of XXXX and XXXX to XXXX, dated XX/XX/XXXX. Have been attempting to get this worked out with MUFG Union Bank for over 6 years, so far. My last name has been changed every place else, except with MUFG Union Bank. The Bank states they need a new application, with 16 documents of personal and private information, to prove I am still a good credit risk. I give permission for MUFG Union Bank to pull my credit report, and verify my score is over XXXX out of a possible XXXX. The Bank has no justifiable reason for refusing to change my last name on the loan and title to the last name I currently use. Since MUFG Union Bank is unwilling to work with me to get the names to all line up, it's on MUFG Union Bank for problems this causes in the future. So far, -I have adjusted how payments are made, several times, since finally getting a response from the " XXXX of the XXXX ''. -Had to close escrow account because MUFG Union Bank could not control the account and ended up gouging me for hundreds of dollars. -Mysterious charges have been removed from my loan accounting but payments to those charges have still not been applied to the principal of my loan. -Payments made on my loan have still not been applied to the principal, as requested, many times, according to the loan activity report from XX/XX/XXXX thru XX/XX/XXXX, received from XXXX XXXX XXXX Some has gone to fees I don't owe, or unapplied funds, while the principal balance remains inflated, and charging interest. I will be filing yet another complaint with FDIC regarding this loan. MUFG Union Bank has made multiple errors and only agrees to make partial corrections, after questioning the charges over and over and over again. MUFG Union Bank refuses to provide a well documented. as required, loan audit. I have many documents to attach to the loan. The many, varying loan activity reports, the initial loan, many different loan activity reports, in many different forms. If you will notice the number of entries per month you will get an idea of how many corrections have been done on my loan. This is not acceptable. My loan needs to be audited, back to when it was written, by an outside accounting firm, that knows what they are doing. CPFB - PLEASE HELP ME GET MY LOAN AUDITED AND CORRECTED! PLEASE!
11/02/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA XXXXX	Web
Provide a description of the incident and how you were victimized. Provide information not captured elsewhere in this complaint form. On Friday, XX/XX/2022, my spouses XXXX had gotten locked due to suspicious activity. He is currently incarcerated and asked me to unlock it so it would not be deleted. I XXXX customer support and the number ( XXXX ) XXXX popped up. Calling the number put me in contact with a " XXXX XXXX '' who gave me his direct phone number of ( XXXX ) XXXX. XXXX XXXX stated he was with XXXX support and asked for the e-mail address and phone number on my account so he could look it up. XXXX XXXX asked explained that the account had been locked due to suspicious activity. Because I knew that was in fact what happened, I believed him when he stated he needed to confirm my mine and my spouses identity in another way so I could get the XXXX account unlocked. XXXX XXXX told me to go to my XXXX XXXX and download the " XXXXXXXX XXXX XXXX XXXX. This allowed XXXX XXXX access to my phone so he could work on unlocking the account. He then requested a picture of my spouses drivers license and,, then hen told me open my XXXX XXXX and put in the " XXXX XXXX '' of XXXX. He then asked if there was anyone I knew who could immediately access that code and accept it to confirm I was me. I selected my daughter, XXXX XXXX. XXXX XXXX told me to push " pay '' and then tell her to accept and send right back, which she did. XXXX XXXX then told me to go to the " XXXX '' button in my XXXX XXXX. He instructed me to select " Buy '', select the " XXXX dots '', enter the " XXXX XXXX '' of XXXX, select " Next '' and then chose the " X '' at the top right hand corner. XXXX XXXX then instructed me to go to the " XXXX '' on the XXXX tab on my XXXX XXXX. He once again instructed me to put in the " XXXX XXXX '' of XXXX and then told me to press " Send ''. This brought me to list of my contacts who have previously received money from my XXXX XXXX from me. XXXX XXXX told me to enter " $ XXXX '' under the line that says " To '', he then told me to select " Pay ''. Apparently I am extremally stupid because I allowed him to instruct me to repeat the process with the " Pin Code '' of XXXX. Once those two transactions were complete, XXXX XXXX instructed me to enter the " Pin Code '' XXXX and then go to my contacts, select someone I knew could " confirm my identity '' and would respond quickly. I still had not caught on to this ridiculous scheme so I selected my daughter, XXXX XXXX ( $ XXXX ). XXXX XXXX then instructed me to select " Request ''. Because my daughter loves me, she just accepted the request without any questions. Once the XXXX had been put onto my XXXX XXXX. XXXX XXXX instructed me to repeat the XXXX steps I took previously but, this time I was told to select " $ XXXX '' as the recipient. XXXX XXXX informed me that " $ XXXX '' and " XXXX '' were the supervisors who would use the actions I had completed to unlock my spouses XXXX account. XXXX XXXX instructed me to repeat this process with my daughter but when the transaction was denied, XXXX XXXX instructed me to select a second party who could confirm I was who I said I was so I selected my friend, XXXX XXXX ( $ XXXX ) and the process was completed with " $ XXXX '' as the " supervisor ''. It was not until my daughter attempted to purchase something that we realized the numbers I was given were not " PIN Codes '' but were in fact money being taken from our accounts. At this point I am getting mad, I asked XXXX XXXX about the money taken out and he stated it would all be refunded. XXXX XXXX instructed me to input the " XXXX XXXX '' of XXXX again and select my daughter, he told me to tell her to accept the transaction as this was the " Refund Request '' that would allow him to refund the money taken out. Due to the fact that my daughter no longer had money in her account, it would not process. XXXX XXXX then instructed me to attempt the process with my friend, XXXX. This attempt was also denied. At this point, XXXX XXXX is getting pushy and irritable, telling me to continue having my daughter and friend accept the " Pin Codes '' being sent because he was trying to return their money. I kept attempting to explain to him that the transaction would not go through because both of their accounts no longer had money on them. XXXX XXXX is continuing in his attempt to get my daughter and friend so me still thinking I am talking to XXXX Support ( Yes, I know I am stupid ) I request to speak with a supervisor. Another " gentleman '' got on the phone and just continued telling me to tell my daughter and friend to accept the requests. I am finally beginning to think maybe something is not right so I go back to my browser to re-look at the page of the number I am calling. Keep in mind, this whole time ( about XXXX hrs ) these people have had access to everything I am doing on my phone because of the XXXX application. When he sees me looking up the page, he asks what I am doing and I tell him I now see that on the page it says they are a furniture store. I then realize that I have been completely scammed and I hang up. Attached is a screenshot of the website page that came up when I XXXX " XXXX Support '' it clearly states " XXXX '' Complete URL is " XXXX : XXXX Police reports were submitted to the XXXX XXXX XXXX Department by myself, ( XXXX ) XXXX XXXX Police Department by my daughter, ( XXXX ) XXXX Police Department by XXXX XXXX XXXX ) and the FBI, claim attached ) My XXXX, XXXX and my friend XXXX filed claims with XXXX XXXX and were able to retrieve the money lost. I submitted a claim to Union Bank on XX/XX/2022, so I could recover the money stolen. Unfortunately, Union Bank denied my claim stating that I initiated the contact and allowed someone access to my bank information. In no way was I giving someone " access to my bank information '', I was told I was sending " Pin Codes '' that is it.
06/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 94121	Web
I wish to report a staff member at Union Bank Fraud Management department named XXXX. This woman had basically been stalking me with calls for more than 30 days. This issue started at around early XXXX when I had called about a disputed charge which had since been resolved by the merchant and a refund made. But the Bank who locked the account after my report had refused to unlock it on the instruction of this staff named, XXXX. This Union Bank and through its staff had treated me in the worst possible ways since I opened the debit and credit accounts and I want to cite here examples of all that I had experienced along the lines of intense discrimination from this Bank from the very first day XXXX entered their branch here in XXXX XXXX, CA. 1. The bank continued to make very rude requests and remarks about me and my account needs. For example, one of the Bank staff once rejected a check that I was paying in which was from my other business account stating that the check was not like a normal check, i.e., it looks fraudulent. This was the long business check size given to business account holders. And the manager there that day who should have been working in banking for at least a decade if not more, could not tell this woman that the check was good and that typically business checks are, extra-long. 2. Rather I was made to go back to that Bank and collect cash to pay in, thus I have only been able to pay in cash into this my Union Bank account because the Bank insisted that I should only pay cash to avoid validation issues like this. Can you imagine that? 3. The Bank continued to send me debit cards with my names spelled inappropriately and also had depicted my name in an email with some type of connotations to ridicule me. It took them six issuances of the ATM card for them to finally write my name and business name correctly. This matter should be investigated, because in a different system, this might have been reported as fraud, giving the re-issuance process may not reflect the truth as it appears to me that the Bank is trying to destroy my creditworthiness amongst other things. 4. The business credit card department has given me XXXX since the account was opened about a month ago. I called them about a merchant who is holding my money and is not returning them after a botched transaction. A simple call to the bank that they should stop the payment since it was within hours of the transactions before it goes through, quickly turned into a fraud charge hunt of the century. Even when the merchant returned the money a few days later, this Union Bank staff named XXXX continued with locking my card, making it impossible for me to purchase goods and services or pay bills registered to this account. 5. After I called to let them know that the matter has been resolved and the merchant has refunded the money, which was now obviously showing in the account statement as returned ; the aforementioned staff XXXX, refused to unlock my account and proceeded to claiming fraud happened and also attempting to verify other transactions in my account asking me if it was by me or not and other non-relevant activities like going ahead to enter my name and identity in fraud systems. She continued to spread misinformation disguised as trying to solve a fraud matter, but which was to portray me in a negative light and to disrupt my business. She was manipulating processes based on her power to forge a false narrative that I am in some way to be castigated for reporting a transaction on a business account with a known merchant. One of her staff also claimed after I got upset and complained about it that I have no say in how they conduct their matters and that the Bank owns the card not me. ( This card is in actuality, a CD- based credit card which holds {$2000.00} of my own money currently. The Bank has not given me the money to trade, it is my {$2000.00} of my liquid cash for running my business that was locked up by XXXX. ) I did not have time to fully fathom what was going on until they began to destroy my relationship with other businesses and many other things this Bank began to do to me. The Bank spam calls me daily, and like today at XXXX in the morning, this XXXX had called me already. And by XXXX thereabouts, she had now called me like ten times. Why? And I have tried to reach the Bank myself on countless occasions to reiterate this matter had been resolved and the merchant had returned the payment dutifully, but this XXXX had instructed on my profile that no one should help me unlock the card until they pass the call to her. On two separate occasions, it had gone into her voicemail. So, this XXXX left a legitimate path in her work to focus on a customer, and to profile me as a customer, using her knowledge of the business to negatively impact my identity, my profile, my business, and my life. I want to start legal proceeding against this Bank for XXXX profiling, acts of discrimination and many other unconscionable acts of harming me and my business. I also want this matter investigated fully as to what this XXXX had done to me. What documentation she had put together in this case, whether it conforms to due process or not. And whether it constitutes a deviation from her duty after learning fully the material elements of this case to still pursue fraud directed at me. I also want to allege that this Bank must have been sabotaging XXXX owned businesses like they are doing to me and their activities must be investigated. This is an act so designed in other to cause intentional harm to minorities and minority owned businesses like me. And this is the common practice by Banks like these, here in XXXX XXXX. But this Union Bank pretends it is an inclusive and diversity-oriented Bank, but it is not. That is a mere facade. They have given me such a difficult time existing as their customer.
11/13/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 90291	Web
My father and I had some problems with fraud at XXXX XXXX and so we opened a new trust and joint checking account at Union bank to receive the funds from our house about XXXX, We got just before the pandemic on XX/XX/XXXX. I found a assisted living for my dad and I moved to out on my own to find a XXXX XXXX and to find out what happened with XXXX XXXX. but this is about XXXX XXXX, Union bank and XXXX XXXX I noticed in XXXX when i went to buy some furniture and clothes for my dad who i could not even see cause of the pandemic rules at assisted living, at the beginning of XXXX most all of the bills had been paid we had XXXX plus XXXX in XXXX XXXX in investments and another XXXX in other accounts enough to live three years or more. after going to XXXX California to visit my dad for two weeks spending XXXX there was only XXXX left then 5 weeks later in XXXX only XXXX left that is about XXXX and there was no reason cause all my accounts had money to pay for things. I first notice there is XXXX in XXXX at XXXX XXXX during the pandemic and during the riots. I had XXXX in reciepts and there was XXXX in XXXX on my fathers ATM card from XXXX XXXX XXXX and XXXX and the XXXX XXXX ending XXXX all at two XXXX XXXX locations and I really want those atm photos cause i used two cards everytime i went there to make sure i knew i was there and none of the transactions match at same time infact the union bank ones have no info at all. so i try to find the statements to this union bank trust account cause there where not coming to my house. start to notice more and more money missing and I not adding anything to XXXX XXXX or so i thought, when i get the statements I have four examples for you or more of my name on XXXX XXXX has always been " XXXX '' example of XXXX XXXX statement From XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX example of XXXX XXXX XXXX account XXXX AXXXX XXXXXXXX XXXX XXXX Withdrawal Debit Card example of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PMNT on all of these union bank done on my fathers cards, there is already to much in XXXX XXXX and i am not using cause i know something is wrong and everytime i am not using there is even more XXXX XXXX from union bank both cards and I contact XXXX XXXX and say look there is to may XXXX XXXX and no spending to support this and also there is XXXX missing from my balance, then i stop using from XXXX to XXXX and I go into hospital for XXXX and XXXX XXXX XXXX there is even more added to XXXX XXXX and i report this to XXXX XXXX they do nothing. then I add all the bank and XXXX XXXX to quicken and find there is even more missing than i thought and when i give this to XXXX XXXX I goto download the novemeber and XXXX statemtents and it wont let me. so i could not reconcile. finally i removed a script called edit statement from my browser and i get this blue colored statement and XXXX XXXX everything is green. I will attach a copy of these and the blue statements have 2-4 more pages then the green ones and the XXXX XXXX are listed as minus. someone was trying to disapate the missing XXXX in XXXX and then by XXXX it was XXXX missing. I can give copies. I have XXXX XXXX account with these called XXXX XXXX fraud on my " XXXX XXXX' XXXX XXXX account too. showing what XXXX XXXX, union bank and XXXX XXXX did and tried to hide. almost XXXX views now. but back to this. the name one all of the XXXX XXXX union bank ads is just XXXX XXXX XXXX not XXXX or the handle the other fraud name on statement was XXXX the name I changed before i told union bank. but my neighbors name was XXXX XXXX XXXX. but anyway the XXXX XXXX account name and number do not match any of my others done over a 3 year period. the union bank ones all say this and a different account number XXXX XXXX XXXX XXXX XXXX XXXX that was not my name my XXXX XXXX or the right account number. its almost XXXX above the spending and then no money coming back. the quicken file shows an exess XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX, I report to police and adult protective services and tell union bank and this manager shuts off the account with no notes as to why? I go to XXXX get my dad take him to a branch of union bank and the manager said she would look into it cause there was no notes as to why, we go back next day and she said we needed to talk to office of president who never contacts us and when they do are so XXXX and unhelpful and refused to give my father his statements. close the accounts and steal XXXX from us and will not talk to us. I find the statements at our old house in XXXX and find that this other name is on all of the XXXX XXXX and no info on these atm at XXXX XXXX no date or time stamp that matched any other use of cards. then the wrong XXXX XXXX account number and name on all the downloads. they gave us back XXXX of XXXX in XXXX of XXXX and now that i have all the info showing we only spent XXXX of now XXXX and that we had XXXX left. I took to police in LA and in XXXX XXXX they both can see this. I put up on XXXX XXXX cause they refused to talk to us after stealing what is left and will redo the XXXX XXXX case now that i have the missing info XXXX XXXX was hiding. but union bank and XXXX XXXX owes us an immediate XXXX for the atms and the XXXX XXXX fraud as well as all the loss including my car i had to sell to get to here cause i was sick, I did not leave my house for almost a year. cause of needing a new XXXX and the missing money. please look at XXXX XXXX for better explanations and picts of the XXXX XXXX statements video of the XXXX XXXX and maybe better explanation of this but these where the wrong name, wrong account on the statement and who did that i asked XXXX XXXX and they said nothing and said i needed you or police to talk to them.
07/13/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	CA 947XX	Web
This is a very complex story. I have learned, via conversations with six different employees of Union Bank, that the bank is unable to terminate a given company 's ability to withdraw funds from our checking about by EFT as required by law. The CFPB 's page : https : //www.consumerfinance.gov/ask-cfpb/how-do-i-stop-automatic-payments-from-my-bank-account-en-2023/ explains that " You have the right to stop a company from taking automatic payments from your account, even if you previously allowed them '' as we would expect. The supporting ( linked ) suggested letters for the company and for the bank which are provided on that CFPB page ALSO make it plain that we have the right to request that any and all auto debits from a previously authorized company cease. Also, one form on the Union Bank website, here : https : //bankingsso.unionbank.com/web/customerservice.do under the " Automatic Payments '' choice, where a form is given called " Automatic Payment Authorization '' states " This authorization will remain in effect until you ( meaning the bank ) receive a written notice of termination from me. '' Same story. And yet, not one of the six people I've spoken to at the bank ( actually there was one who thought I could do this but who could only suggest that I go into the branch to do this ) has told me that this is even possible, let alone provided a form to revoke an authorization or said " Yes you can come into the branch and do this '' - quite the contrary, i.e. they've all said, no, you can't do this. I have explained numerous times now that this power of the account holder is required under federal law, yet the bank is simply incapable of honoring this obvious and gigantic security loophole closure which defends against fraudulent and incompetent debiting, both. The Union Bank web page is only accessible to account holders for you to get the form, but I can provide you with a PDF copy of their Auto. Pmt. Auth. form if your site allows me to after this point in the process of filing a complaint. This issue arose because an honest company with an incompetent bookkeeper debited our checking account for {$15000.00}, when the debit should have been XXXX or at most a few XXXX dollars, owing to two errors. I was forced to put a stop payment on the debit, which was an option for me only on account of sheer luck as this debit triggered a low balance warning text message to my phone. I would have had to rely on the good faith AND good sense of the company to refund the money had I not placed the stop payment successfully. And having placed a stop payment, I could expect that they might again debit the account for the same errant amount or a different errant amount. The bank has said instead that I can : 1 ) Place a stop payment on any given debit, should I notice it in time, for a {$30.00} fee 2 ) Close the account after opening a new one, and transfer over all of the other auto debits and deposits by informing each of those entities of the change 3 ) Place the account into a deposits and credits only mode, so that no checks will be honored and no EFT debits will be honored 4 ) Contact the company making the debit and tell them not to do it ( which would obviously not work in the case of fraud or dispute over an owed amount, which could result from incompetent bookkeeping as in my recent experience ) None of these remedies is acceptable as a proper solution to the need to terminate a given entity 's right to withdraw funds from an account. Who will see to it that every bank in America provides us with this obviously-needed capability? Please see to it that Union Bank and every other bank provides customers with : A ) The unfettered right to terminate any and all EFT withdrawals from your account by any given previously authorized entity, regardless of changing dollar amounts or changing dates or changing frequencies -- no if 's, and 's or but 's and no uncertainty about it working, via a reasonably straightforward procedure, indeed by the procedure outlined on the CFPB 's own website as mentioned above. B ) The right to limit EFT withdrawals to a certain range of dollar amounts and a certain range of dates of each month and a certain number of times each month or on some similar schedule. These items may not currently exist as rights, but obviously should, as basic protections against fraud and financial errors made by third parties ( who do not own our money ). Duh. Also please make sure that there are no loopholes which any entity can use to take funds from our accounts, aside from state and federal agencies carrying out their duties according to the law, after we have chosen to terminate their right to take money from our accounts, having previously authorized them to do so. Thank you! Go CFPB!
02/29/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA XXXXX	Web
This complaint is in regard to how Union Bank handled my dispute. I do not recall the exact day that I filed my dispute. My dispute was denied by MUFG Union Bank on XX/XX/XXXX. I called to check the status and the first representative I spoke with was XXXX. XXXX advised me that my dispute had been denied. She did not provide a satisfactory reason for the denial and there wasn't a request made for documentation from me. When I asked XXXX to speak with a manager, I was advised that 3 managers had already reviewed the dispute and that speaking to a manager would not change anything. XXXX also advised me that the final manager that reviewed the dispute was XXXX. Being that I was not satisfied with the answers provided, I called a second time and was connected with XXXX. I asked XXXX for a manager. Immediately after XXXX reviewed the records, he actually told me that they were very busy and asked me if I intended to waste everyone 's so that I could hear a manager tell me the same exact information I was just told. He also advised me that 3 managers reviewed and denied my dispute. When I asked for a manager again, he said that XXXX was right there, but was busy. About an hour later, I received an unexpected call from XXXX with Union Bank. She immediately began the conversation by claiming that she was calling because she reviewed the two telephone calls that I had made earlier that day. Her intention was to make it clear that she was not a manager and did not understand why she was misrepresented as such. She confirmed that she was the person that both XXXX and XXXX claimed to be a manager, but she was not a manager. She said that she was appalled when she heard both of these conversations. And despite advising me that she was not a manager, she said something that I find odd ... She advised me that she would counsel with both XXXX and XXXX concerning this matter. XXXX further advised with regard to my claim that my dispute was denied as it did not fall under regulation E. I don't know what information to trust from these people at this point. XXXX was polite and professional during the entire call, but unfortunately how can I possibly trust anything that I was told by XXXX after speaking with XXXX and XXXX. My dispute had to due with several purchases made using my Union Bank Debit Mastercard. The purchases for for a game from the XXXX XXXX XXXX. In XX/XX/XXXX, I caught the developer cheating players in the game. The reason used for my dispute was " Service not as described ''. I have several videos and screenshots proving this. I have sent XXXX well over 100 emails. During this period, I did receive an email from XXXX indicating that they found that the developer violated their terms of service based on the evidence I submitted. However, XXXX has maintained the position that I needed to contact the app developer directly and they needed to process the refund. I have sent well over 50 emails to the specific email address for the developer that XXXX advised me to use. The developer did not respond to any of them. XXXX advised me to dispute the charges with my bank and that is what I did. There wasn't an objection to my dispute from either XXXX or XXXX XXXX received from Union Bank. Further, the app name is XXXX XXXX XXXX and according to XXXX the developer is XXXX XXXX. XXXX 's site is very specific about charges appearing in the following format : XXXX + App Name or XXXX + Developer Name. All of the charges in question appear on my statements as XXXX XXXX. I have no ides who XXXX is and I have contacted XXXX once again concerning this issue. I have also looked at the Mastercard rules and perhaps the basis for my dispute does not fall under Reg E> I believe that it is a valid dispute that falls under the standard Mastercard rules. " Cardholder DisputeDefective/Not as Describedfor Debit Mastercard transactions '' is listed as a valid reason for disputes for debit card transactions provided by that Mastercard provides. It is unacceptable that my bank would employ anyone who does not have the ability to address concerns made by consumers without jeopardizing the integrity of the institution itself. If I can not trust the information I was given during these two calls, how can I trust anything I was told or will be told in the future by any employee of Union Bank. I am still in a state of shock that a financial institution would employ anyone that would lie to its customers for any reason. The Trustee of the XXXX XXXX XXXX was going to move the account to her regular bank, but kept the Trust accounts at Union Bank based on my personal request. I hate to say it but, I am now seriously questioning that decision.
09/24/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 94014	Web
I applied for a refi loan with Union Bank in XX/XX/2020. The process started off great, however, in the middle of the process the loan officer for a unknown reason was unable to be involved in the finalizing of the loan. Not knowing until XX/XX/2020 that the loan officer was on leave, per a discussion with her manager. I reached out several times in the process to speak with and communicate with her. I then reached out to her assistant, who was unable to properly manage the refi process. The loan processor reached out as well, to inform me that my loan had been extended, due to processing problem related to Covid pandemic. A list of requested information was provided to me in a email and all requested documents were submitted quickly. I set up a closing date in the month of XXXX and made plans to close with the titling company assigned. I reached out to the assistant again, because I had not received any information regarding my loan, such as a disclosure statement, closing cost amount, borrower 's closing fees, or the monthly payment for the refi. I had to cancel my closing date after proofreading my disclosure, because there were multiple mistakes noted. I also had a increased points charge, due to compounds not listed, as previously requested. My lender 's credit was not added to the loan and extension charges kept building. After canceling my closing date a second set of disclosure documents were sent to me via email and they too were incorrect again. I was never provide the opportunity to discuss the documents or the completion of the refi with someone one-on-one. After the additional charges and the poor communication and repeated mistakes, I decided to withdraw the loan. Though my efforts of reaching out to the loan officer 's assistant I was able to voice my frustration with the process. I felt because this was my first refi, that it should have been more personal and done a lot sooner. Also, recognizing that no other loan officer had been put in place to facilitate me in the process. I asked the assistant to have her manager give me a call. A return call was made after hours, so I had to return his call the next morning. The call was to a personal cellphone, which I thought was very unusual, because it would not be legally recorded. However, I discussed my frustrations with him and requested to withdraw my application because nothing was being done correctly and in a timely manner. On XX/XX/2020, after my complaints and frustrations were discussed he offered to go over the disclosure with me. Prior to this no one had been in place, to do that. I felt I did not deserve a last minute rush job on a refi loan. I told the manager that I would prefer to withdraw my loan for this reason, and would like my application fee refunded, as a courtesy. He refused and offered to discuss the loan for closing only. I told him, because of the unprofessional experience I had up to now, I was not interested in pursuing the loan any further. He was very matter of fact about the whole situation. So I asked him to provide me with the customer 's relations department representative. I discussed with her the same frustrations and complaints I had previously discussed with the manager. She too, offered to go over the disclosure with me and stated that she could offer a credit of my application fee, at closing, as a courtesy. Again, I shared with her my frustrations and requested an application fee refund, because of my feeling about the whole experience. She stated that she would present the request of a refund for the application, but because the application fee is non-refundable that it probably would not be honored. She stated that she would get back with me by the end of the day or the following date. No return call on XX/XX/2020. So I reached out to her this morning, and she stated that the refund was rejected, but that the offer of closing my loan and refunding the application fee at the closing was the only offer. I requested to speak with someone else about my experience. I feel that the process took too long, no loan officer was assigned to complete my loan, a loan extension was given without notice, fees were passed on to the customer ( points ), and the customer requiring to withdraw the refi loan because of the frustrating process, hold the customer to a binding contract because of the bank mistakes, and refusing to refund the application fee unless the customer closed their loan with the bank is very unfair to the customer. I am writing this complaint because of a unfair process to a customer ( myself ).
06/15/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90066	Web
FYI I have resolved this, but am calling out the issues that I had during this process. I recently closed on a mortgage with Union Bank, but only after I openly accused them of slowing down my closing process to cross into a new month, thereby requiring new documents and new paycheck stubs. I believe their underwriting process and scrutiny of my file went beyond what was called for in this situation. If it weren't for the patience of the sellers, I would have lost this home and this is happening entirely too often to peole of XXXX. Details below : 1. My loan application was submitted XX/XX/XXXX, and everything was in order - by XX/XX/XXXX, the loan had been denied due to my Debt to Income ratio, after the bank determined that my XXXX taxes were too complicated to count all the income. 2. My loan broker addressed this with the bank and I filed my XXXX taxes in less than 2 business days in order to give the bank more visibility to my finances. My loan was approved with 24 conditions against it on XX/XX/XXXX. Among the conditions were requests that I pay off my car and a personal loan at closing. My DTI should have been fine without needing to pay that off, and the bank has not been able to provide me with the calculation that would have supported this request. Nonetheless I complied. 3. In addition the bank requested that I pay my XXXX taxes prior to closing and provide them a cancelled check, although taxes aren't due for another month and a half. In total - the bank was asking me to come up with an extra $ XXXX in order to obtain this loan. Failure to show proof that I had access to these funds would of course lead to an inability to close. The bank worked tirelessly to push expense after expense at me to make it almost impossible for me to close. 4. I was told that a loan of my size was small enough to not require a secondary review, yet on two separate occasions I was told that my loan was undergoing secondary review. When I asked for explanation from the Customer Resolution team, the representative suggested that they were overwhelmed and junior officers were underwriting, before a senior officer conducted a review. The rep suggested that this is not their normal secondary review process. She suggested that covid and working at home were causing them to have challenges in their process. I would have believed all of this, but I asked this very same rep for a video conference call and she told me she did not have access to video at home. However, on our call, this same rep told me that Union Bank issued them new computers and hardware to work from home. I truly question everything she has said as a way to silence me and prevent me from further investigating the concerns I found disturbing. I will stop short of saying that she blatantly lied. 5. On the day my loan should have moved to closing docs, the bank came back to me asking for proof that bathroom mirrors and appliances were not " premium '' in nature, which they wouldn't pay for. These items were written into the addendum of my purchase agreement. The sellers said they were leaving them. Nothing in this wording should have raised an eyebrow, but it stalled my loan and prevented it from moving to the next phase for 2 additional days. On XX/XX/XXXX, I contacted Union Bank directly about my concerns regarding how bias conscious or not has been impacting my loan. The purchase agreement scrutiny should have happened earlier, or could have been handled via the settlement agent. There was no reason to hold up the loan. After this email and my conversation with the Customer Resolution Manager - who tried to placate me ... things began to move a lot faster. Truly - I don't think that we would have closed had it not been for me speaking up. I asked them if they were trying to get me to cross into the month of XXXX so that they could request new documents and paychecks, to make sure I hadn't doctored my file ... this question was never answered. I want banks to treat all applicants fairly, I'd like to understand in detail the debt to income ratios and calculations that made XXXX worth of payoffs necessary, I'd also like to know why i was asked to pay off my taxes although it is not a requirement, I want to know if my interest rate is higher than another applicant with a similar profile?
05/28/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	CA 902XX	Web
What happened? This complaint should be directed to XXXX XXXX XXXX. Office of the XXXX. XXXX XXXX XXXX XXXX <><> -- -- - The Complaint -- -- -- -- -- MUFG Union Bank lured me into opening a checking account with the promise it will pay me {$300.00} bonus, which they never did. To keep using interest free my large 7 figure deposit, Union Bank repeatedly lied that they mailed me the bank card which never came in four months, unil couple of days ago - with a full 4 months delay. There was no legitimate reason for not issuing that bank card at all. -- - On XX/XX/2021 XXXX Bank took from my account XXXX and again on XX/XX/2021 the bank took {$2000.00} for a total of {$16000.00}. A call to legal process department reviled that California XXXX XXXX served a levy which did not have information consistent with my account. - MUFG Union Bank acted carelessly with a high dose of incompetence and disregard for consumers'rights when an outsourced department in a third world country accepted the levy and took the money out of my account, despite evident inconsistencies ( the non matching name for example ). When I spoke with department manager XXXX, he lied to me boldly that he personably called the XXXX and they confirmed that date of birth was matching. California XXXX XXXX XXXX XXXX " XXXX '' ) does not discuss or share personal information as such conduct will represent a major privacy violations. Yet, flourishing through lies in the misbehaving Bank with the terrible reputation US which is the one of cheating customers by the rate of hundreds ( see a link below XXXX XXXX lied freely and the office of the President when I brought this to XXXX 's attention did not seem to care about such troubling conduct allegation, which appears to be Union banks corporate culture. -- - A moth and a half after the issue was resolved and the money was restored in my account I tried to make 2 x {$1000.00} transfers last week. Union Bank did not complete the transaction and instead froze my aces to onlinebanking and then froze my account and denied me the aces to my deposit which caused me to default on the contract with a {$100000.00} reprecosion. -- Despite Banks baseless claim thataccount was frozen to protect me as a customer and the bank from fraudulent transactionsMUFG UnioXXXX Bank could NOT produce ANY evidence to support such false claim asserted in XX/XX/2021 letter, which was discussed further below in more details. My demand to close the account was denied by the Bank and I was caused to default on the contract sue to such practice. -- - Despite the fact that that and earlier dispute concerning XXXX request to withhold was resolved almost two months ago, XXXX who represents MUFG Union Bank 's President 's office said that Union Bank will re-debit my account. Giving that there are no base to do that, I consider this to be an act of embezzlement as they use the relationship to take the money that is not theirs and that no one asked them to take. - On request, MUFG Union Bank provided NO evidence to date, showing that after the original dispute regarding the California XXXX XXXX XXXX ( FTB ) was resolved on XX/XX/2021, the XXXX did contact the Union Bank with request to withhold and did not levy another account, in the meantime. -- I take MUFG Union Banks abuse very seriously. Based on the publicly available record Union Bank has been cheating consumers for years and is time for the Government to step in and conduct a through investigation into this XXXX offshoot inUS conduct - see also : XXXX : XXXX -- XXXX fact XXXX MUFG Union Bank is a corporate offshoot of MUFG in XXXX, with bad reputation in XXXX where hundreds complained about being cheated and defrauded by thisbank, MUFG XXXX XXXX XXXX is also on notice that Union Banks harassment and intimidation needs to cease. -- MUFG Union Bank has been engaging in series of harassing, fraudulent and disloyal acts described below, which must CEASE and DESIST Immediately. Idemand that Union Bank is subjected to investigation and that my demand to close the account without THEM keeping a single penny, under any pretext, is honored, immediately.
01/21/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	XXXXX	Web
MUFG Union Bank ( UB ) served as Trustee to the XXXX XXXX XXXX ( Trust ) from XX/XX/XXXX to XXXX. As Trustee, UB failed to carry out its fiduciary duties with due care, skill & diligence in the interest of the beneficiaries. Hence, trust assets declined in value, unnecessary expenses were incurred & income from income-producing assets was forgone. The Trust consisted of stocks, real estate investments in CA & NY, and personal property. When UB took over the XXXX, XXXX XXXX ( the main beneficiary ) was living in an assisted living facility. Had UB managed the XXXX properly, all income generated by the Trusts properties etc. would have been sufficient and used to support her care. However, 1 ) UB failed to invest as an ordinary prudent person would do ; 2 ) Assets were not used efficiently : houses that were once income generating were no longer generating income yet continued to be held in the XXXX ; assets such as cars were not sold, storage areas were not liquidated ; 3 ) Unnecessary exorbitant costs were incurred by UB including legal counsel to make simple decisions. UB shirked its fiduciary responsibilities. New York ( NY ) Vacation rental houses held in the XXXX were neglected and unable to generate income yet remained in the XXXX. One of the houses typically generated XXXX $ XXXX. season. Tangible Personal Property ( TPP ) : 6 mos. after UB took over as Trustee, UB arranged for personal property to be evaluated in the ( 2 ) NY properties. UB arranged for personal property in 3 houses ( XXXX XXXX XXXX SD ) ; XXXX ) to be stored. The service used by UB for the SD house was not detailed nor were photos provided. On XX/XX/XXXX a binder was provided by the trust manager asking the beneficiaries to choose the items they wanted. Meanwhile storage charges mounted. After the initial exchanges on the TPP & attempts to minimize costs, UB retained legal counsel, evading its duties & responsibilities as Trustee to handle personal property & real estate issues. 4 cars were held by the estate when UB was named Trustee. In an email of XX/XX/XXXX, the trust manager said that the cars would be sold. The cars remained in the XXXX. They were of no value by the time the estate was settled. General inefficient handling of the trust : UB did not handle trust assets judiciously by failing to deal with issues in a timely manner. Terms of trust notice were received in XX/XX/XXXX & were returned on XX/XX/XXXX. The liquidation of the trust was held up for years as 1 asset was being decided in the court system. Assets should have been distributed. UB held up the liquidation due to its inability to deal with 1 trust asset all the while collecting a management fee. Beneficiaries reached agreement in XX/XX/XXXX & closing of the trust administration was to begin. In XX/XX/XXXX UB asked for {$75000.00} in extraordinary costs without any explanation as to what this corresponded nor why their usual percentage-based fee was not sufficient. An explanation was received on XX/XX/XXXX indicating that the costs incurred were indeed under their purview. Time sheets reflected changes for work on a petition related to 1 asset, when no petition was filed (! ). They reflected services related to UBs 2 changes in counsel, which is not a proper charge to a trust estate. Also included was {$10.00} 000 to send 3 UB employees for 1 week to NY to clean out the 2 houses. This trip was questioned in an email to the trust manager on XX/XX/XXXX. Dealing with residences and personal property is a common task for a trustee. This Trustee was aware before taking the job. This task could have been done by a bonded independent NY-based contractor. UB dragged out the negotiations on the Settlement Agreement and Mutual Releases so that they could collect their fees. UB insisted that language be included in the agreement indicating that the beneficiaries agreed to their legal fees and agreed to release them of any wrongdoing or mishandling of the trust before any distribution of assets would be made.
09/14/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90292	Web
I have recently been scammed/defrauded by a Union Bank Loan officer/employee in the amount of {$280000.00}. Union Bank has acted negligent in this matter and is vicariously responsible for the fraudulent actions of their employee, XXXX XXXX XXXX. Around XX/XX/XXXX I called Union Bank for a Mortgage loan on a loan for a condo in XXXX. The condo was part of a new community project that was underdevelopment. I was put in touch with XXXX XXXX, aka XXXX XXXX. XXXX XXXX proceeded to gather many supporting documents including bank statements, tax returns, financial assets, etc.. in preparation for my loan. She assured me that I would be receiving a fixed rate of 3 % for a 30 years term. The rate would be fixed for 60 days with an extension if needed for construction delays. During that time, XXXX convinced me to invest in Roth IRA, Sep IRA and also in a short term investment with XXXX XXXX DBA XXXX XXXX. I expressed to XXXX that I was not interested in investing but she assured me that the money with XXXX investment was not a true investment as it would only be in that account for 60 days but the interest would strengthen the loan application by showing more reserves. Since XXXX worked as a loan officer at a major bank I trusted her and thought she was guiding me in the right direction. XXXX was in weekly communication with the sales office for the community getting updates. Sometime in XXXX of XXXX, XXXX told me that since the community is not having enough sales my loan would not get approved. I was worried as I had a placed a deposit of {$82000.00} as earnest money. I then requested a denial letter from XXXX so that I could submit to the sales office for the return of my money. on the evening of XX/XX/XXXX XXXX emails me a denial letter that seemed to have come from Union Bank, however some of the information on the letter seemed questionable. On XX/XX/XXXX, I called the XXXX Bank for an explanation, after many hours of waiting I was able to speak to XXXX 's former manager. At that time, I was informed that XXXX had been terminated from the bank XX/XX/XXXX. I was never informed by the bank of her termination. The only form of telephonic communication with XXXX was a cell phone which still remains active. XXXX 's Union Bank email address was never deactivated.Had the email address been deactivated either myself, my real estate agent, members of the sales office and all of the escrow team would have been alerted. Union Bank claims that they called and sent me an email but upon checking with the manager it became clear that my email was inputted incorrectly on that file. Union bank also informed me that I had two loan numbers with One files having my correct contact information, however, it seems that Union Bank did not attempt to contact me using my info from both files. According to the manager, he used the contact info from the incorrect file to reach out to me. The manager also states that my loan was declined in XXXX of XXXX for being incomplete. XXXX XXXX had gathered many financial documents from me, however, it seems that she never provided them for my loan approval. XXXX XXXX also has two other fraud claims against her that are on going. XXXX got served for one of those fraud claims at Union Bank in XXXX of XXXX. XXXX also has a history of a criminal past at the previous bank which resulted in her termination from that bank. Union Bank acted negligently, hired a criminal as an employee in a financial institution. Union Bank is responsible for the damages caused by their former employee, XXXX XXXX. Union bank also ran my credit report in XXXX of XXXX without my Knowledge and consent. Union Bank has behaved negligent in this situation and did not take proper steps in protecting me, as their client. They should have performed a proper background check. They were negligent in taking necessary steps in alerting me of XXXX 's termination.
04/03/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92887	Web
This is the case of a simple refinancing gone bad that took 101 days to reach closing and as of this date we have not officially closed and I am being told through a third party, that Union Bank is drawing up all new documents. I have not received any communication regarding this development, nor have I ever approved redoing documents again. My last communication by email/phone call was on XX/XX/XXXX, when I rejected their proposal. The process began early in XXXX, XXXX with an estimate based on the following assumptions : A ) No Cash out, B ) Roll existing escrow into new Escrow account and finally all related costs to be rolled into new loan. I received an estimate that included a lenders credit of {$2500.00} along with standard refinancing, title and escrow fees. We provided all the requested documents by the lender in under 30 days. I paid the loan appraisal fee of {$550.00}, plus an additional {$170.00} for an HOA certification. The first estimated Closing document, reduced my credit reduced by {$800.00} because when they prepared the original estimate, they failed to recognize the property was a Condo and not an SFR, plus cash out to us for over {$2000.00}. For the next 30-60 days multiple emails were exchanged, which I was the primary initiator of those emails since I rarely heard from my Loan Consultant and I received multiple Closing estimates that range from large refunds or I would have to pay more at closing. These constant delays and unknowns reached a point where I emailed my consultant ( XX/XX/XXXX ) and told him I was dissatisfied with the progress and communication and wanted to walk away and eat my losses. He convinced me that we were very close to setting a closing date. We finally scheduled a closing on or about XX/XX/XXXX, but the documents were all wrong and, in some cases, double sided printing, which is not allowed for closing documents. I communicated by displeasure with my loan consultant on XX/XX/XXXX. After exchanging emails, another closing was scheduled for XX/XX/XXXX with new documents, we signed all the documents as requested and assumed we were done with this refinancing. After closing I requested a Rate Modification from 4.25 % to 4.00 %, which would require minimal documentation. I was told we would need to resign all new documents again and pay a fee almost equal to the amount I was to receive from the closing on XX/XX/XXXX. I rejected the offer and told them to finish the closing already signed. I assumed they were moving forward with the closing and I would not have to make a mortgage payment ( old loan ) in XXXX as part of the refinancing. On XX/XX/XXXX I noticed my original loan was not paid off and replaced with the new loan and after multiple calls to customer service I discovered the refinancing was never processed and if I did not make a payment immediately on the original loan, I would be late. Needless to say, I made the payment and requested the manager of my loan consultant call me to find out what is going on. They allegedly left a message with him and I attempted to contact him with no response. In the meantime, I contacted the Title Company ( the third party ) and was told the original loan was not paid off and Union Bank was redrafting all new documents and there was nothing they could do. On XX/XX/XXXX I contacted the Title Company and was told that there is no payoff of the original loan and there is no record of any new documents redrafted. The documents signed are no longer valid loan documents according to the Title company. So, I am left with my original high rate mortgage, out of pocket {$720.00} and had to make a mortgage payment on an old loan that should have been replaced ( {$2400.00} ) with a new loan starting in XXXX, XXXX.
09/15/2021	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CA XXXXX	Web	Older American
XX/XX/2021 ONLINE COMPLAINT From : XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) To : Consumer Financial Protection Bureau ( Online Complaint ) Reference : Union Bank A/C No. XXXX XXXX XXXX ; Refusal to Pay {$300.00} Bonus Legitimately Earned Dear Sir or Madam, This is a sad story about how a reputable bank made our life miserable and put us through a rigorous process involving opening an account, login, ACH link, and then being denied the {$300.00} bonus. We followed and met all the requirements to no avail. Here is a brief summary : 1 ) In response to a personal invitation ( XXXX ) involving a {$300.00} bonus ( copy attached ), we opened a checking account on XX/XX/2021 in UBs XXXX, CA branch. Prior to opening, we made sure that by making 3 direct pension deposits we will get the subject bonus. Then, we had perpetual problems. Could not go online. It took several days to log in. To get help was very time consuming involving long hold on the telephone, etc. Even to this date, Union Banks ( UBs ) log-in screen indicates that three telephone numbers are missing. I mentioned this to Ms. XXXX XXXX of XXXX, CA office. She informed me that she is able to see all three telephone numbers. For the last five months, Union Bank has made my life miserable. Then, I had problems establishing ACH links with other banks. Further, ACH link verification took more time and more telephone calls. Finally, ACH transfers took more than one day. Most other US Banks I deal with ; money is transferred the next working day. So much for the customer service. In spite of all these stumbling blocks, we tolerated shortcomings and moved on. Now, UB has denied our hard-earned bonus of {$300.00}. In a telephonic discussion on XX/XX/2021, XXXX XXXX tried to redefine or change the rules of eligibility. The offer clearly requires, three direct deposits of {$500.00} or more. She tried to interject other terms, such as, independent direct deposits, etc.. This is a clear case of deception and unethical behavior that borders on criminal acts. I asked her if the 90-day limit could be a problem? She essentially said, NO. ( see below ). I will submit two pieces of evidence : EV-1 : I ask CFPB to get a statement under oath from XXXX XXXX , Universal Banker who helped open the account. I told him my concern that the first deposit most likely will not come through on XX/XX/2021. He stated that it will be ok. Either Mr. XXXX was not capable of counting numbers, or he just wanted this account in the hope of getting credit for opening the a/c. Either way, we are not at fault. EV-2 : I ask CFPB to get a record/transcript of my XXXX XXXX, 2021 conversation with XXXX XXXX who clearly stated XXXX we will not penalize for that ( referring to 90-day limit ). This could be easily verified. It should be noted I contacted UBs Presidents office via email ( copy attached ). No reply was received as of this date. Instead, I got two calls on my cell phone ( not my primary contact that was provided in each communication ) from XXXX and XXXX. When I returned their calls, I was faced with several confusing prompts. So, after several minutes, I gave up. I have never seen such despicable customer service. By a copy of this letter to UB ( Ms. XXXX XXXX, Director ) and XXXX XXXX I am asking to produce EV-1 and EV-2 and forward to CFPB, ASAP. Thank you for your time. Sincerely yours, XXXX XXXX ( Primary ) XXXX XXXX XXXX ( Co-owner and writer ) Attachments : Log-in Computer Screen Photo + Personal Invitation Photo + Letter Dated XX/XX/2021 Home ( primary ) : XXXX Copies : XXXX XXXX XXXX ( XXXX ) + XXXX XXXX XXXX XXXX XXXX )
07/14/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 93021	Web	Older American, Servicemember
On XX/XX/2021, I fell victim to a fraud scheme perpetrated by a criminal group posing as a customer service department from XXXX, XXXX. I had returned merchandise purchased via the XXXX website approximately one month earlier to XXXX. The XXXX webpage at the time did not post a customer service phone number so I had to do a XXXX Search to find a Customer Service number to check on my refund of {$250.00}. The number that appeared at the top of the list referred to XXXX Customer Service, so I called that number. It turned out to be completely fraudulent but the man answering my call, said Hello This is XXXX from Customer Service, how can I help you. I explained I had not received my refund which was overdue. He said he would get me my refund that day. He asked me to download several cell phone apps which I did and then sent me several code numbers to authorize an electronic funds transfer. After about 45 minutes of being on the phone he said I should see my refund in my account. When I checked about 20 minutes after the call ended, I found 13 fraudulent debit card pulls from my account totaling over {$6200.00}. I immediately called and asked why he had done this? He said it is temporary and asked me to again authorize additional transfers. At this point I realized this was a scam, hung up and called the local police department. I filed a police fraud/theft report # XXXX with Deputy XXXX of the XXXX, CA Sheriffs/Police office. I then went to my Union Bank branch and filed a fraud report and closed the account that had been attacked. I opened a new separate account which would not allow any further access. I was told by the branch manager and the personal banker that the bank would provide a provisional credit of the funds taken from me fraudulently within 10 days of the incident pending the outcome of a bank investigation. This conflicted with what I was told by the financial fraud unit after being contacted by them in the process of the Union Bank investigation. At first, they said I would get a provisional refund on or around XX/XX/XXXX which was 10 days after the filing. When I did not see that credit, I called again, and they said that there will be no provisional credit at all due to this being a Mastercard Debit purchase. I explained this was all fraudulent and that I had filed a police report and an additional IC-3 Federal Crime report. I eventually received a letter from Union Bank stating that my claim had been denied due to my authorization of the use of my debit card for what appeared to be purchases. I received no product or service and was not the one benefitting from the withdrawal of my funds. I was further told by Union Bank that Mastercard was now investigating and may be able to recover my funds if it is found to be fraudulent and that I did not receive merchandise or service as a result of the use of my debit card. I feel very disappointed in Union Banks Policy not to even grant me a provisional credit due to this fraud perpetrated by unscrupulous individuals posing as actual customer service reps. I am XXXX years of age and I feel I have been victimized not only by the perpetrators of this scheme but also by my own bank that I have been a customer of for over 20 years. I feel that in the end Mastercard will find that this was a financial crime scheme which used Mastercard and a company called XXXX XXXX to illegally withdraw funds from my bank account. I am requesting an investigation into Policies and Procedures of Union Bank in recovering my funds and protecting customers from these scams. Sincerely, XXXX XXXX
02/28/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	CA 90006	Web
On XX/XX/2023, I have been a victim of Identity Theft ( specifically Impersonation Fraud ). I have been contacted by someone impersonating Union Bank employee reporting on fraudulent activities on my card. The fraudster spoofed the Union Bank 's customer service number and told me some people are using my card number and in guise of protecting my account from fraud, the fraudster obtained my personal informations, asked me to enter few codes ( later I learned this was likely for them to create fake account to wire my money away ), entered my online bank account and wire transferred total of {$8200.00} from my Union Bank Account ( {$7500.00} to XXXX XXXX at XXXXXXXX XXXX and {$750.00} to my " wife at XXXX XXXX XXXX - these are the informations I got from the bank 's Fraud Investigator XXXX XXXX who asked me to call her to confirm I did not make these transaction ). The fraudster asked me not to answer any other phone call saying that could be a fraud and at one point when I expressed doubt assured me by saying they are calling from the customer number listed on the back of my card... it was. I did not realize I was defrauded out of my money until the fraudster hanged up without giving me temporary User ID and Password for my bank account which they locked me out from. I called the Union Bank Customer Service number and found out there was only around {$50.00} left in my account and rest of the money there has been wire transferred out. My case was elevated to Union Bank Fraud Department and after opening a new account ( changing password, personal question everything ) on Friday XX/XX/XXXX, I filed a claim on Monday XX/XX/XXXX ( since the transfers were not posted yet at the point of Friday ). After talking to several claim department person, fraud investigators and branch managers and been given a run around and confusing information, today, XX/XX/XXXX, I was informed that the Union Bank has denied my unauthorized wire claim, their reasoning being I gave fraudster the information that allowed them to initiate the wire transfer. I have contacted office of XXXX XXXX to help with the situation. This is the money I have saved up to move to XXXX ( where I grew up and my parents live ) to start a new life and as without this fund I really do not know how to go on. I currently have little money in my bank from borrowing from family and friend and some from XXXX, and from the XXXX XXXX XXXX which is ending soon. In addition to making fraud report to Union Bank, I have made reports to local police ( XXXX ) as well as FTC and FCC. Below are the pertinent informations : My Name : XXXX XXXX Union Bank Fraud Case Number : XXXX for account ending in XXXX Assigned XXXX : XXXX XXXX XXXX Office : XXXX Here is the address Union Bank gave me for any action or correspondence regarding this matter in writing : Union Bank XXXX. XXXX XXXX XXXX XXXX, Ca XXXX Police Report ( of Identity Theft ) Made XX/XX/2023. Incident XXXX ( to XXXX XXXX, serial number XXXX ) FTC Fraud Report Number : XXXX Ticket no. for FCC Complaints of Spoofed Number : XXXX After my claim was denied by the Union Bank, I have appealed with them ( and have talked with their Corporate Investigator XXXX XXXX ) and have authorized Rep. XXXX XXXX to inquire in my behalf to get my stolen fund back so I can go on and. In addition I will be contacting media and filing complaints to Consumer Finance Protection Agency now in hope of it would assist me in getting reimbursement somehow.
10/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	WA 98034	Web
XX/XX/XXXX : was the last authorized charge ever made to this MUFG Union Bank, N.A. Visa credit card account. The cards, four of them on this one account, were removed from wallets and the cards were put in our home safe, never to be taken out until they were shredded in XXXX, XXXX. XX/XX/XXXX : I awoke to an unauthorized transaction alert, a charge made to XXXX in Minnesota for {$42.00}. I called Union bank 's fraud department and reported the transaction as fraud. I was told the card ending in XXXX was used, and it was canceled and a replacement card was sent ending in XXXX. The new card was immediately placed with the others in our safe and the replaced card ending in XXXX was shredded. One day later, on XX/XX/XXXX, the fraudulent {$42.00} transaction posted to the Visa account. XX/XX/XXXX : I telephoned the Union Bank fraud department, two days in a row, to report new fraudulent use, because unauthorized transactions were piling in, eight of them in the last two days. On the XXXX I closed the Visa account. None of these most recent unauthorized charges were allowed to post to my account. However the first charge from XX/XX/XXXX for {$42.00} remained unreversed, and I asked that it be reversed, again. I was explicitly told that all four cards on the account were closed at the end of the call. Despite this, another 28 " authorization amount '' alerts have arrived as of XX/XX/XXXX, making a total of 37 unauthorised transactions between XX/XX/XXXX and XX/XX/XXXX, with 29 happening after the account was allegedly closed on XX/XX/XXXX. However the transactions are not posting to the allegedly closed account, however the original fraudulent charge on XX/XX/XXXX, for {$42.00}, remains unreversed and late fees and interest are accumulating. XX/XX/XXXX : I called Union Bank customer service because I got a late payment warning. This call was recorded. By the end of this call I was assured that the account was closed and that everything would be reversed. Days later I confirmed late fees and interest were reversed, but not the original {$42.00} charge on XX/XX/XXXX. XX/XX/XXXX : I called Union Bank collections because of a collections notice I received for the allegedly closed account. This call was recorded. By the end of the call I had worked with the fraud department and was assured that all charges would be reversed. XX/XX/XXXX : this call was recorded. I called Union Bank customer service because I was notified by at least one credit bureau that Union Bank has reported a late payment blemish on my credit report. I said I was sick of calling and asked to speak to a supervisor, or how can I be assured that this would be the last call I make about this? By the end of the call I was assured it would be taken care of, and the customer service rep even had a reason for why the issue has failed to be taken care of heretofore, which was that the wrong card was determined to have been used on the very first XX/XX/XXXX fraudulent charge. Now that the right card is known, I was assured the XX/XX/XXXX fraudulent charge for {$42.00} would be reversed although it might take a week. XX/XX/XXXX : nothing has been reversed, the account balance is {$81.00}, including the original XX/XX/XXXX fraudulent charge for {$42.00}, and accumulated late charges and interest. Today I plan to file a complaint with the Consumer Financial Protection Bureau ( consumerfinance.gov ).
01/12/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Unexpected or other fees	IL 60189	Web	Older American, Servicemember
Gentlemen - I am reaching out to your organization to complain that I am currently waiting for a check from Purepoint Finnancial, MUFG Union Bank, N.A. XXXX XXXX for over {$100000.00} from closing out a CD on XX/XX/XXXX. I closed this CD two days before my 10 day grace period expired. Today, almost a month later, I have yet to receive my check and I have been notified that I am going to pay a penalty for early withdrawal. Here is the basic timeline of events. My Cd was due for renewal on XX/XX/XXXX. I closed my CD account online on XX/XX/XXXX. I printed out a confirmation that the account was closed on that date and that I would receive the full amount of {$100000.00} by mail within 4 to 14 days. At the latest I would be getting my check by XX/XX/XXXX. Over the holidays I went on vacation and, on my return, I found several messages from Purepoint asking me to call them which I did on XX/XX/XXXX. At that time I was told that I was to pay a penalty of {$110.00} because they wanted me to verify my intention to close the CD by phone even though I had successfully closed the CD on XXXX, XXXX, XXXX. I protested that there was no indication on their website nor on my printed confirmation that I needed to call them to close my CD. As a matter of fact none of their vague phone messages indicated that anything was amiss an I assumed the were just calling with a better rate for a new CD. I asked to talk to a supervisor and was put on hold for 45 minutes. I was then informed that in order for me to close my CD I needed to verify my wishes by phone. I pointed out that there was nothing in the online confirmation that indicated that any further action was necessary. I would have promptly called them if instructed by the XX/XX/XXXX online confirmation. Purepoint grudgingly admitted that they could not produce any documentation calling for a phone verification and I was told that they would phone me XX/XX/XXXX to let me know if they would remove the unwarranted {$110.00} early withdrawal penalty. On XX/XX/XXXX I did not receive any phone call from Purepoint but the y did send me an email that told me that they closed my CD on XX/XX/XXXX and my penalty was now increased to {$130.00}. On XX/XX/XXXX I still had not received my reduced check so I called to ask whether they had cut my check for {$100000.00} and if they had indeed mailed it. Purepoint said that they " thought the check was probably sent out XXXX XXXX XXXX but that it might be lost in the mail. '' when I pressed them for a firm date Purepoint told me that if it wasn't lost I would be receiving a check by XX/XX/XXXX, 14 days from our conversation on XXXX, XXXX. This upset me because if they had closed the CD on XX/XX/XXXX I should be receiving my check no later than XX/XX/XXXX. Essentially they are holding my check in limbo and every time I've called to complain the date has been reset to another 14 days from my phone call. In order to rectify the situation I reached out to my personal banker at XXXX in XXXX Il who directed me to your site. I would like to recover the bogus {$130.00} early withdrawal but at the very least I needed to let you know of Purepoint sleazy tactics to postpone my payout to force an early withdrawal penalty. As of today, XX/XX/XXXX I have not received a XXXX which was due XX/XX/XXXX. Thank you for your time and attention, XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX Il. XXXX
07/08/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CA 91402	Web
Hi Im XXXX XXXX, I would like to submit a complain regarding my Union bank credit card.. my bank statement on union bank posted on XX/XX/XXXX to XXXX XXXX cause a difference in my credit score from XXXX score dropped down to XXXX score. I decided to pay all my debt on my union bank credit card bill posted bank statement last XX/XX/2020 to XX/XX/2020 and I paid the whole amount the I owe, plus an I overpay of {$94.00}. I called union bank to let them know that I am aware of the an extra {$94.00} that I overpay and I requested a check to be sent to my address so I can redeem my money back that I over pay, but they didnt allow me to do so because of theyre policies, they gave me an option to use a {$94.00} of credit to be used. We both agreed to continue with that option.. I purchased XXXX XXXX {$13.00} and it went through, I still have {$80.00} on credit so I order XXXX XXXX and worth {$62.00}, I still have {$18.00} of credit, they accepted the XXXX XXXX purchase but they declined it too and accepted it again and I wasnt able to track what could be the reason of the declined purchase for I have a credit to be used, I went and purchase on XX/XX/XXXX same order through XXXX it declined and in my mind it declined already but after few days it went through.. after the billing cycle ends and after the declined purchased and accepted purchase transaction they didnt not communicate with me what could be the reason of them declining my purchases and accepting it after got declined with no advice of what is going on with my bank transactions, on top of it, I owe them {$1.00} and now that is XXXX I owe them {$8.00} for they put interest charge from {$1.00} now they are claiming that I owe {$8.00}, they did not contact me through my address about what I owe, they didnt send me an email for what I have to pay the {$1.00}, they only give me an option to communicate with them through phone call which I called the number on the Back of my card, and for them to reach me back, specialist that I called from union bank told me that I dont have an option to communicate with them through email.. Union bank gave me a phone call through a No caller ID number which when I receive theyre calls, union bank phone number wont register to my logs for they are calling me through a caller no Id set up, and they ask for my credit card number information, Social security number, birthdate while they are contacting me through no caller ID number, I told the bank that if they can call me through a non caller ID number for I am not comfortable disclosing my personal information and social security number for a bank that calls me with no number, they didnt give me other ways to contact them too such as emails or mail.. and now Im waiting for a respond of my complain and they say I will expect a phone call and it will still be no caller ID and from the previous phone calls I had with union bank they would not proceed with my concern or help me settle the Payment of {$8.00} without me disclosing the security question such as my name, birthday, address, ss number through no caller Id phone call.. how would I know if its legit the union bank that is calling me and not a scam for it doesnt have a number? Please help me, my goal is to close both of my debit card and credit card account after all this.. thank you so much.. to call me back my number is XXXX
03/31/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90504	Web
My mortgage lender is Union Bank and after speaking with a Mortgage consultant I filed for a refinance process that started in the end of XX/XX/XXXX as everything seemed to be in place for a successful refinance process First week I XX/XX/XXXX I received an email from the mortgage consultant from Union Bank indicating that the appraisal came in at same price I purchased the home in XX/XX/XXXX, and that the max allowable total Loan to value ratio is 80 %, which means I need to being in cash to close for this refinance to work. This was never informed to me before we started the process. Then I replied back expressing that this was never communicated about such an important criteria. And that we were shocked and disappointed to learn about this now, especially after the credit inquiries and paying the appraiser. Should we have not been informed about such an important point earlier if this was a prerequisite? Also the home appraisal - we are quite surprised to see the appraisal figure that indicates the home value has not grown since we purchased the place 1.5 years ago given the real estate boom and that also literally every single real estate website shows a significant increase in price for our property. There was no response after that for close to a week after repeated emails and I get a real shocker - a denial notice I replied back looking for a response and after many emails I received a note from the initial mortgage consultant that the loan was already denied even before he sent you the email and it was his effort to try to save the loan from denial. This was unbelievable. When a company states if you'd like to continue please bring in 'x ' amount of cash it seemed to imply an option was still on the table and the loan was not disapproved. Also the reason being cited about not having enough reserves doesn't make sense. We showed enough cash in our banks and XXXX to meet the capital requirements. Also, the statement of credit denial states a different reason. I reached out to his bosses but no response. Finally, a sales XXXX replied back on XX/XX/XXXX we spoke about other possible options to refinance and I agreed. But then, he never returned by calls later. I then sent an email to him indicating that I'd like to file an appeal to the mortgage appraisal process to which he replied on XX/XX/XXXX stating the loan has been declined and is no longer in process, we would need a new loan open and in process in order for us to conduct a new appraisal. How can I appeal the appraisal before closure when the load was closed without my knowledge? Somehow the way this process was dealt with has been unfair, unprofessional and borderline dishonest especially since the denial for refinance was made without discussion, not providing information upfront ( about LTV XXXX or discussing options. And not to mention since my credit was run, and I paid the mortgage appraiser. And my biggest disappointment is the time I have spend in this process and the mortgage rates that have increased since my initial request As your existing customer I thought I deserved better treatment from Union Bank but I am giving up on that expectation. I will appreciate your help with this matter
12/14/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 94558	Web
Fraudulent charges in my Union Bank credit account : Sequence of events : XX/XX/2021 : Email regarding fraud alert, I reply indicating that these transactions were not performed by me or someone authorized to use my card. XX/XX/2021 : Email regarding fraud alert, I reply indicating that these transactions were not performed by me or someone authorized to use my card. XX/XX/2021 : Email regarding fraud alert, I reply indicating that these transactions were not performed by me or someone authorized to use my card. XX/XX/2021 : Letter from Union Bank Fraud Department ( attached ) resolving part of the fraudulent transactions ( only {$60.00} ), but still pending several for the amount of {$70.00} XX/XX/2021 : Called and left voice message to Fraud department at XXXX PDT and XXXX PDT XX/XX/2021 : Called and left voice message to Fraud department at XXXX PDT XX/XX/2021 : Called to customer service to close the account as I am not getting any response from the Fraud department regarding the rest of the fraudulent transactions and I do not wish to have any further fraudulent actions. XX/XX/2021 : Called and left voice message to Fraud department ( main line and the designated analyst, XXXX ). XX/XX/2021 : Confirmation letter that the credit account is closed. XX/XX/2021 : Called customer services, at XXXX PDT, XXXX # XXXX attended my call, and help me, and informed me that she sent to dispute the pending transactions, informed that I am not responsible for any late fees or any charges until these are investigated. XX/XX/2021 : Called customer services at XXXX PST, XXXX attended my called and she resubmitted/reworked my petition. XX/XX/XXXX and then XX/XX/2021 : Received a letter each of these dates from collections department related to the fraudulent chargers. XX/XX/2021 : Called customer service at XXXX PST, attended # XXXX, she indicated that they missed to mark a box on my file regarding the fraudulent transactions, she apologized and marked the box and indicated that a fraud analyst would follow up. I mentioned about the letters received from collections. XX/XX/2021 : Called customer service at XXXX PST, XXXX informed me that I have a case # XXXX XXXX XXXX XXXX, with fraud analyst XXXX and should hear from her soon. XX/XX/2021 : Mailed to Union Bank collections and fraud departments same letter dated XX/XX/2021 ( attached ), requesting their attention to this matter, via certified mail. Dated XX/XX/2021 : Received exact same letter from Union Bank Fraud Department ( attached ) resolving part of the fraudulent transactions, but still pending several for the amount of {$70.00}, the letter is exactly the same as the one dated XX/XX/2021, just different date on the top, it does not indicate any new revision to the pending fraudulent charges. XX/XX/2021 : Contacted XXXX for support. XX/XX/2021 : Received information from XXXX and I started preparing the material to submit to consumerfinance.gov/complain, per their guidance. Email attached. XX/XX/2021 : Called fraud line at XXXX PST and left a message to the two fraud analysts : XXXX and XXXX, indicating this situation.
03/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 94550	Web
I was called on XX/XX/XXXX by the fraud department from my credit card company, Union Bank Credit Card, to alert me that someone had used my card at XXXX XXXX XXXX XXXX in XXXX, CA for {$200.00}, XXXX in XXXX, CA for {$100.00}, and XXXX XXXX in XXXX, CA for {$22.00} and that the charge looked suspicious. I confirmed with the fraud department that I had not made these purchases, but I was told by the fraud department that whoever was making the charges had my physical card because the card had a chip on it. However, I had my card in my locked safe at my home at this time. I reported this to the fraud department case # XXXX and I asked to escalate this fraud to someone in management because the only way someone could have made these charges would be with a counterfeit card with a counterfeit chip. I was told by this fraud department agent that these charges would be flagged as fraud an they weren't until l called for a second time to the fraud department. The bank rep also told me that this type of fraud was impossible, but upon doing research, this is happening per reports by credit card companies, retailers and documented by journalists since XXXX and the fraud technology continues to be more and more sophisticated. Since I had and have my physical card, I am clear that someone obtained my credit card number and put it on a counterfeit credit card with a counterfeit chip using EMV-Bypass Cloning. I called XXXX XXXX call center to alert them that someone is using my credit card number on a counterfeit card with counterfeit chip ( XXXX XXXX # XXXX ) and they said that this credit card/chip cloning is indeed happening and that they would escalate this fraud to the management. I also reported the fraud to XXXX conf # XXXX, XXXX Police Department in California Tracking numbers XXXX, XXXX and XXXX Police Department in California XXXX. I was given the number to the fraud department ( XXXX ) to talk to XXXX at Union Bank Credit Card and when I called they said that I couldn't speak to this person. XXXX XX/XX/XXXX I called XXXX ( assistance number on the back of my credit card ) and asked to be transferred to the fraud department and was told that they couldn't do that, even though yesterday they did transfer me to this department. I was also told that the credit card company does not have an active case with me even though I have I was given a case number and have called to talk to the fraud department yesterday. I haven't been able to get any assistance to escalate this fraud card/chip cloning to my credit card company. Union Bank Credit Card appears to be given misleading information, is now denying me access to the fraud department to give them my police report information, is being unethical in their business practices. Can you please help me document the EMV-Bypass Cloning that occurred with my card as I believe that it is my duty as a citizen to inform the powers that be that this is occurring now in California and to make consumers aware of this so they can protect themselves. I also need help escalating this to management in Union Bank Credit Card Company. Thank you.
04/14/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN XXXXX	Web	Servicemember
When my husband passed away, i notified Union Bank immediately. I updated my address based on the court documents. Within a year, somehow payments that i made where applied different than agreed upon and the house went into default, still don't understand how that happened, but i was not notified. I discovered the default by accident, called the bank and after speaking to 12 people was told that i had 4 days to pay {$12000.00}. I was able to get the money, i saved the house but was never given a full explanation why this happened. I was told a variety of stories from different employees, but the bottom line is they have no idea what happened and they don't care as long as they got their money. Union bank has a lack of communication policy. As long as you have an account with them they decide what to do with your payments and mortgage, regardless of the customers requests, needs or wants. When my husband signed for this loan he was drunk, i notified the everyone involved in the process and nothing was done. I have tried to resolve multiple issues with Union Bank and they continuously give me the run around. Last year i made a payment plan for the property taxes and when we were late on a payment, i called the tax collector prior to the payment date and we renegotiated the debt, they notified Union Bank ( because they owned the note ) and Union bank decided to open an escrow account and pay the taxes. I contacted XXXX Treasurer and they said that the notification was just to let them know but when Union Bank contacted them, they told them that our payment arrangements are acceptable and the house was not endanger of a lien. Not to mention we have XXXX % equity, no reason for Union Bank to violate my life and finances. They sent me a bill stating that my mortgage would go up {$1000.00} per month based on the loan and the escrow account. They wanted {$250.00} extra a month to pay the escrow, i told them that this amount was unreasonable and unaffordable. I asked why so much when there's 23 yrs remaining on the loan and the escrow account is {$8200.00}. They told me by law it has to be paid within 5 years ( i can't find this law anywhere ). I requested to pay $ XXXX/month the first year ( {$600.00} ), increase to $ XXXX/month ( XXXX year ) and $ XXXXXXXX/month ( XXXX yr ), this complies and would pay of the debt in the 5 year period but they just keep passing me off and giving me delays, They want to make all the decisions but they own less than XXXX of my house. I have been trying to resolve this for 5 months and the XXXX escrow payment is due XX/XX/XXXX and still no response. No one should be treated like this. Union bank has violated my life and possibly my rights for 7 years now. Most lawyers are afraid to take them on or want millions to do it. I am tired of taking this beating from Union Bank and i deserve better. I know the world is not fair, but continuous harassment and privacy violations must be looked into. We have owned this house since 1977 and have never worked with a company like Union Bank and hope to never, ever deal with them again in life.
11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CO 816XX	Web
XX/XX/XXXX I contacted Union Bank in XXXX notifying them that someone at their bank fraudulently changed my address. Union bank erroneously changed my address when an unverified, unauthorized individual called in on XX/XX/XXXX ( per Union Banks letter dated XX/XX/XXXX to me ) and changed my personal information on my account. I called as soon as I received notification to inform them that they had the incorrect address, but they claim to have no record of my phone call to them. However, curiously, they have a record of the phone call from the unauthorized individual on XX/XX/XXXX. What was their name? How did they verify that person was the account holder? What was the phone number on record for that call? Interestingly, in XXXX XXXX letter dated XX/XX/XXXX, she states that they called my husband on XX/XX/XXXX requesting he call XXXX in Fraud Management. Why? Did Union Bank finally realize they did not verify the person calling them on XX/XX/XXXX and needed to now back track and try to verify the address change with the account holder. Union Bank, and in particular XXXX XXXX, refuses to take responsibility for their bank 's error, and correct the information reported to the credit bureaus. This is a follow-up to the original complaint, where I had requested that they correct the address, clean up the credit report, adjust the balance to the correct amount that I owed, and apologize for the intentional financial and emotional stress that they have caused me and my family. Originally, they apologized for their error and promised to take care of ALL of my requests including correcting the credit report. They have finally, in XXXX, corrected our address, adjusted the balance to the correct amount owed, but have taken back the apology refusing to take responsibility for their error, and refuse to correct the information at the credit bureaus. And, last time I contacted the collection company, they still have my incorrect address. I want to pay off the balance to Union Bank and have them correct their mistaken reporting to the credit bureaus. I do not feel that I should have to pay the balance with the credit collection company, since the error was Union Banks and the fact that they still have the incorrect address which I verified with XXXX XXXX at XXXX XXXX at XXXX, today, XX/XX/XXXX at XXXX. I was able to obtain some call records showing that I did indeed call the bank to request that they correct their error. Here are the records of my calls : Union Bank Fraud Management/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX ( twice XXXX XXXXUnion Bank XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX there were additional calls, but it too costly for me to obtain call records at a cost of $ XXXX, so I only obtained the ranges that reflected the notes in my file. It is quite apparent Union Bank not only made a grave error, but that they dropped the ball on XXXX. My request again is that they fulfill their original promises of accepting that they made an error by correct the reporting to the credit bureaus and allow me to pay them off directly. Thank you!
08/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91606	Web
RE : Union Bank - XXXX XXXX XXXX XXXX, WA XXXX My Union Bank credit card ending in XXXX was closed on XX/XX/XXXX due to inactivity and my credit score as reported by XXXX. The Union Bank letter was dated 9 days after I opened my first complaint about the XXXX XXXX Credit Card company fraud with the CFPB. On XX/XX/XXXX, I called Union and explained to XXXX, at first, and later XXXX, that I would be forced to sue if they could not at minimum, reactivate the card. The telephone operators sent me into the bank branch for a final attempt to reactivate the account. On XX/XX/XXXX I walked into the Union Bank branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and spoke to an agent named XXXX, and a manager named XXXX who both tried to reactivate the account for me and were not successful. I explained all that had transpired with the complaints, the fraud and the credit reporting agencies and that I was prepared to sue Union Bank for the credit limit decrease, and the irreparable harm to my credit score, and they both agreed that Union bank was liable for actions that they could not undo. Union Bank has tried as best they can to undo the reckless harm done but were ultimately unable to do anything but leave my credit limit, and score destroyed further when no harm was done directly to them. I had a XXXX balance on the Union Credit card # XXXX since XXXX. Union Bank claimed this retaliation was due to my inactivity but mainly was the credit reporting information provided by XXXX. The main reason for the inactivity on the Union Bank Card was that I had misplaced the card and Union Bank had a habit of sending ads separately in the same brand and style envelopes as the statements and after awhile I forgot I was their customer. Since my card had a XXXX balance and it was mostly ads they were sending me month after month, I got in the habit of not opening the envelopes after a while. I only discovered the Union Bank card # XXXX had been closed when I opened the letter this week, almost two months after it had been sent. I did not receive any letters with a prior warning about inactivity, lots of ads though. The letter was sent out by Union Bank dated XX/XX/XXXX and had noted at the bottom that the information used to determine this action was collected and provided to them by XXXX. And if I should want to dispute the information XXXX provided I would have to contact XXXX. My first complaint to the CFPB was dated XX/XX/XXXX - 9 days prior to the Union Bank Card # XXXX closure. XXXX had removed the XXXX XXXX dispute by or before XX/XX/XXXX but as they had failed to restore the credit score as well, XXXX misreporting was the direct cause of the Union Credit card # XXXX deactivation, decrease in credit limit, further decrease in credit score, and credit worthiness. Union banks eliminating {$12000.00} unduly deprived me of my rightful property without due process and further diminished my credit score for not using their card in an act of retaliation, and a violation of my constitutional rights.
01/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92869	Web
On XX/XX/XXXX, I disputed several fraudulent charges to my Union Bank credit card made since XXXX, XXXX. I had not made any purchases to the subject credit card in a few years and did not notice any charges until early XXXX, XXXX. The fraudulent charges are as follows : - XX/XX/XXXX - {$180.00} - XX/XX/XXXX - {$280.00} - XX/XX/XXXX - {$140.00} - XX/XX/XXXX - {$170.00} - XX/XX/XXXX - {$100.00} - XX/XX/XXXX - {$94.00}. In addition to the listed charges, my credit card account was also charged a late payment fee in the amount of {$27.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX. I called Union Bank on XX/XX/XXXX when I first discovered the unauthorized charges and reported the above-listed charges as fraudulent. I was informed that the charges would be removed from my account as soon as an investigation was concluded and sent a replacement card since my current account was compromised. Instead of any of the promised actions, I received a collections letter from Union Bank on XX/XX/XXXX letting me know that I had not paid my credit card balance. In response to the collections notice, I called Union Bank on XX/XX/XXXX to determine what actions had been taken with respect to the fraudulent charges. After nearly 3 hours of being transferred from department to department and having to call back in when my calls were randomly dropped, I finally spoke with a customer service manager named XXXX, who let me know that a fraud investigator had not yet been assigned to my case. I was told that one would be assigned in no later than 48 hours, and that I would be able to find out the status of my case. I expressed concern that my credit score would be negatively impacted in the time it took to review the fraudulent charges. I was assured that the matter would be handled quickly and before my credit score was impacted. On XX/XX/XXXX, I received a notice from a credit monitoring service that my credit score went down. I called Union Bank the same day and after nearly 2 hours of being shuffled from various departments, abrupt phone disconnections, and the same circular explanations of a fraud investigation with no access to anyone who could provide the status of my case, I finally was able to speak with someone and was told that a letter dated XX/XX/XXXX was in the process of being sent to me with a form that I needed to fill out to confirm that the charges were not authorized, and finally reverse and conclude the matter. As of XX/XX/XXXX, I have not received any such form. I am frustrated and upset that my credit score was negatively affected by what I believe should have been a relatively routine dispute. I have taken every action, given as much time as possible for Union Bank to resolve this matter, and made myself available to respond to any required actions or questions, but at this point, I don't know what to do because I continually receive the same placating and circular responses with no concrete proof of any action being taken to address and remove the unauthorized charges from my account.
02/23/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	CA 95746	Web
The cliff note version of what happened is that when I started the loan process, the one thing that I said was that the loan had to close by XX/XX/XXXX. I was told IN WRITING on XX/XX/XXXX that the loan amount would be {$630000.00}, the rate would be 3.75 % IO, the payment would be {$1900.00} and " the loan would take 3 weeks to close ''. ( Written documentation was provided several times ) This was reiterated on XX/XX/XXXX when I was told IN WRITING that " the loan would take around 30 days to finish. '' ( Again, written documentation was provided. ) From that point on, I performed - I did everything Union Bank asked me to do. And yet the loan ( inexplicably ) took more than 120 days to close!!!!! And when it did close, despite the fact that I was told numerous times during the process that there was no rush to lock the rate because the rates don't move much on this type of loan, the loan amount did change to {$640000.00}, the interest rate changed to 4 % ( originally they quoted 4.25 % but they lowered it to 4 % ) and the payment changed {$2100.00}. : - ( The only explanation I was given from Union Bank as to why there has been a more than THREE MONTHS long delay is that underwriting was backed up.??? This delay cost me more than {$3600.00} ( if the loan had closed on time ( before XX/XX/XXXX ), I would have paid approx. $ 2700+ in mortgage payments in XXXX and XXXX but because the loan did not close on time, I had to pay $ 4500+ in XXXX and XXXX!! ) + {$4600.00} increased loan amount and will cost me approx. $ XXXX/month in payments going forward ( $ XXXX ). Not to mention all the unnecessary stress!!!!! The facts are Union Bank set improper expectations and then mismanaged the timeline of my loan. As far as I know, my situation was elevated several times from XX/XX/XXXX - mid/late XXXX so there were plenty of chances for senior management at Union Bank to acknowledge/apologize for the improper expectations ( that they set ), reset expectations and then manage the timeline accordingly. ( Honestly, had they done that, we probably wouldn't be here today. ) But they never did that. They completely bullied me - they tried to blame me for stuff that happened prior to XX/XX/XXXX ( which is irrelevant since it was on XX/XX/XXXX that I was told IN WRITING that " the loan would take 3 weeks to close '' ), they brought up things that were not an issue during the process but then became convenient excuses after the fact, they brought up things that never happened, they made factually incorrect statements, etc. And they suggested that waiving a {$550.00} application fee and the 4 % loan ( still up from any # I had been quoted during the process ) was fair compensation. Considering the delay caused by Union Bank caused me more than {$8200.00} ( more than {$3600.00} in mortgage payments plu {$4600.00} in increased loan amount ) and will cost me $ XXXX/month going forward, I do not agree!!!
02/20/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem accessing account	FL 33160	Web
Summary of the Complaint : PurePoint Financial, a division of MUFG Union Bank, N.A., effectively blocks my mother and I from accessing our CD account that we have with them, by closing their branch offices and locking and refusing to unlock full online access to the account. Complaint Details : In XXXX of XXXX, my mother and I opened a CD account at PurePoint Financial a division of MUFG Union Bank, N.A. The CD account was opened in the name of a trust, where we both are co-trustees with equal rights to the trust 's assets and related documentation. At the time the CD account was opened there was a PurePoint branch office in XXXX, FL, where we actually opened and funded the account. The bank representative also assisted us in setting up an online user access ID and profile to the CD account. Sometime before the maturity of the CD account in XXXX of XXXX, I tried to access the account to setup an external liked account in case we decide to not renew the CD and had some questions about how to do it. I called PurePoint Customer Service and identified myself to the representative, who told me that I could not use the online access profile, which was associated with my mother 's name, and immediately locked that only online access profile we had at the time, and also insisted that I need to setup my own online access ID and profile which I did. The representative also told me that they would be able to unlock my mother 's account access profile when they talk to her but that was not possible at the time, as she was recovering from XXXX XXXX at a rehabilitation facility and also was having XXXX XXXX. A few days ago, my mother and I decided to not renew the CD when it matures in XXXX of this year, so we called PurePoint Financial again ( both of us on the phone at the same time ) spending over 3 hours on the phone with numerous people, at different departments, with no resolution of the issue. They continue to refuse to unlock my mother 's profile, despite the fact that they talked to her and she answered all of their questions concerning her identity and her desire to have her profile unlocked. Additionally, my profile, that they told me to setup, is limited in what I can do on the account. For example, I can not see any tax-related information. One other thing, a representative at the bank suggested that they could help us move the money to another bank, if we're not happy with the arrangement with them, but we would have to pay a penalty for doing that. My mother and I are not interested in doing that we want to be able to move our money without any penalties, when the CD matures. My mother is XXXX and is very traumatized by what's happening with her life savings. Note that on the advice of an OCC representative we contacted and left several messages at the Office of the Bank President in hope that this simple issue can get resolved quickly, but never heard from them.
03/30/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92065	Web	Older American
My name is XXXX XXXX. My email address is XXXX. My phone number is XXXX. On XX/XX/XXXX, my wife and I had lunch at a local Mexican restaurant in XXXX XXXX XXXX XXXX.The lunch bill was {$77.00}, paid with my debit card ( see photo ). My bank, Union Bank in XXXX XXXX, or XXXX its debit card partner, then allowed the restaurant to withdraw {$11000.00} out of my account. There was no signed receipt or contract that could have been presented to allow that withdrawal to take place. The bank records indicate it went to the restaurant ( see photo ). I have tried to get help but the bank has not been responsive, saying that because I have a business account and this was an electronic funds transfer they can not help me. They also say the merchant made the mistake - not them ( see letter ) which does not make sense because nothing couldve been presented to the bank or its business partner XXXX to allow this withdraw from my account. They say I might be successful in getting my money back through XXXX ( see letter ) but its a slow process and theres no guarantee of success. I also went to the bank and confirmed that the POS transaction limit on my card was supposed to be {$2500.00}. The bank did not call to confirm that this was a legitimate transaction of {$11000.00}, and a fraud by someone shouldve been limited to no more than {$2500.00} without a phone call to confirm the legitimacy of the transaction, as they had done in the past. To me this seems like an act of negligence by my bank, and they have not been very helpful or seem overly concerned about my predicament. I have requested documentation from the bank as allowed by Federal Regulation E showing what investigation they conducted with XXXX, where the money was transferred to, and my records show it was transferred to the restaurant. I have received no response from the bank to my emailed request. I feel am powerless in this matter, and do not get a sense that the bank is concerned at all about my loss. I have documented this transaction, and forwarded a request to the California Attorney Generals office for help but I have not gotten a notification of receipt or acknowledgment that an investigation will be undertaken by them. I imagine they have a lot of cases to investigate and I am not a priority, but I am concerned time is passing ( with all the investigation time involved ) and I dont seem to be able to get any help in this matter. It is also important for business owners, using debit cards, to not assume that their transactions are secure, or that the bank is willing to make extra effort to help them when something like this occurs. In theory one could buy a pair of sneakers with a debit card, and have the shoe store withdraw thousands of dollars from your account without seemingly presenting any type of signed authorization.
12/26/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	MN 55412	Web
Union Bank has a broken interest rate calculation system that is charging consumers interest on purchases they did not make. Union Bank also has a promotional balance payment allocation system that is by design making it very difficult for consumers to pay off promotional balances before they expire when they have more than one promotional balance of the same interest rate. I have spent hours researching this issue on my credit card statements and have reported these two distinct issues to the company on three separate occasions and as of yet none of the {$33.00} in interest that has been incorrectly charged to my account since XX/XX/XXXX has been refunded. Issue 1 : Union Bank is charging " Interest on Purchases '' and " MINIMUM INTEREST CHARGE '' when there were no purchases made and the account has a {$0.00} purchase balance. Since XX/XX/XXXX I have been charged {$1.00} on " Interest on Purchases '' when I had a XXXX purchase balance. I have also been charged a total of {$5.00} in " MINIMUM INTEREST CHARGE '' for which the company has had no explanation. Union Bank only agreed to stopping charging me this erroneous " MINIMUM INTEREST CHARGE '' monthly interest charge after I complained in XX/XX/XXXX, but as of yet none of the interest charged has been refunded. Issue 2 : On XX/XX/XXXX I had a promotional 0 % APR balance of {$3000.00} that was set to expire in XXXX of XXXX. On XX/XX/XXXX after making a total of {$0.00} in purchases and {$2600.00} in payments I had expected to have the promotional balance almost paid off, but my XX/XX/XXXX statement still showed a balance of {$1800.00} remaining. I called Union Bank twice on XX/XX/XXXX to ask why after making {$2600.00} in payments and no purchases was only {$1100.00} in payments were made towards my promotional balance expiring this year. On the first call I was told the {$1400.00} in payments I made had been put towards a 0 % promotional balance expiring in XX/XX/XXXX and not towards the 0 % promotional balance expiring in XX/XX/XXXX. When I asked why they would put the majority of my payment towards the promotional balance with the later expiration date I was told this is just how their system calculates it. When I informed them that this gave consumers very little ability to pay off promotional balances before they expired and asked to talk to a manager I was transferred and put on hold indefinitely and was forced to hang-up. When I called back a second time on XX/XX/XXXX and re-explained the situation to a new phone banker he again told me that is just how their system calculates interest. He agreed to open a " ticket '' to have the issue looked into but did not refund any of the {$27.00} in interest charged on the expired 0 % promotional balance which the system would not let me payoff before it expired.
03/01/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA XXXXX	Web	Older American
On XXXX XXXX, XXXX, I noticed an unauthorized debit to my account of {$250.00}. I notified the bank that this was an unauthorized charge and to return the money to me. They also confirmed to me verbally that they immediately had flagged the account to not allow any further debits to this bank account. In that I knew my monthly health insurance charge would probably debit from the account, I notified the bank about this in writing to allow that charge particular charge to go through. At that time I had enough money in the account to cover this charge. I also filed a claim, per the bank 's instruction to get the {$250.00} back. Then on XX/XX/XXXX through the XXXX I noticed that additional debits to this same account had been allowed by XXXX Bank. Other than the health insurance charge that I had expected and allowed, the other charges were still in question. I called them repeatedly asking why they allowed further charges to go through since the account had been flagged a week before. No one at the bank has been able to identify who they paid these XXXX charges to totaling an amount of {$1000.00}. The only comment on my statement against each of these XXXX charges is notated as " Check or XXXX XXXX ''. I have called XXXX Bank in XXXX, CA. several times since then, as well as the XXXX Bank Customer Service, and no one can tell me who this money was paid to. As of today, XX/XX/XXXX, XXXX Bank XXXX Customer Service told me on the phone at XXXX, that they could see that the account had been flagged at the end of XX/XX/XXXX to not allow any further charges to go through, however, since XXXX Bank has closed the account effective XXXX XXXX, XXXX, they can not explain who the money was paid to. To make matters worse, because this is a sole proprieter business account, the bank told me that they can not do anything about the original claimed debit of {$250.00}, AND that even though I have spent an average of XXXX hours/week for the past XXXX weeks following up on the XX/XX/XXXX unauthorized debit, and questioning these XXXX unknown additional charges in XX/XX/XXXX, no one at the bank has escalated the problem to determine why they allowed further debits to go through on my account after XX/XX/XXXX, even though the account was to have supposed to have not allowed further charges to go through. On top of these issues, they actually closed my account and charged off an amount of {$430.00} against me, which will wind up going to collections and negatively affecting my XXXX XXXX. This entire situation is Outrageous! I really don't know what to do to get my money bank that the bank took out of my account. I guess I will go ahead and make a XXXX XXXXeport about this, but I need the CFPB 's help to get me answers and my money back. Please XXXX XXXX Copy of XXXX Bank XXXX.
01/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 93004	Web
I received a credit card from Union Bank XXXX years ago when I opened up a savings account with the bank. I have never used the card ; it has remained in my file cabinet since I originally received it. I have also never authorized anyone else to use this card or the credit card number. Right after the New Year, I received a letter from Union Bank, saying that I was in arrears on my account and that I owed {$3100.00} for charges and late fees incurred during the previous month. I immediately called Union Bank 's credit card division and was automatically put through to the collections department. When I asked what the charges were for, they explained to me that someone had used the card to make purchases in late XXXX and early XXXX at a clothing store based in XXXX. I do not know if the charges were made in person or online. I live in California and haven't traveled out of the state for the last XXXX years. Union Bank collections department did not appear interested in acknowledging there was fraud. It took me multiple attempts to reach the right person at Union Bank who could help me file a fraud complaint. Union Bank, from what I learned, has a third-party service provider that operates its fraud detection system. When I spoke to several people there I was told that did not even have access to my account information, since there are an independent outside service entity. Finally I called the next day ( XX/XX/2022 ) and spoke to XXXX in Customer Service, who agreed to send a fraud complaint to the appropriate department, promising me I would hear back within 30 days about the resolution of the complaint. She also told me that the records showed that the XXXX XXXX division had tried to contact me on on my mobile phone on XX/XX/XXXX and XX/XX/XXXX to alert me to a possible fraud. I never received such a call and no message was ever left there. Even though they never reached me, they went ahead and allowed the suspicious charges to be made to my account. I find this process to be highly inadequate and unfair to consumers and believe that Union Bank should change its system. Union Bank 's fraud detection operation places consumers at financial and security risk, and fails to follow more effective procedures I have experienced with XXXX XXXX XXXX and XXXX XXXX, for example. I have not heard back yet from Union Bank about the status of my fraud complaint. However, I just received another letter from the bank, dated XX/XX/2022, demanding payment and warning me that " not making payments due may result in adverse reporting to credit reporting agencies. '' I ask that the Bureau launch an inquiry into Union Bank 's handling of this matter, as well as a more comprehensive investigation into how it implements its consumer fraud service.
06/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	CA 92692	Web
*Mailing full complete credit card statements including full account number, name and address and details of the account over a year after the account was closed. Security breach opens client and bank up to fraud. * I have been in the finance industry for 30 years. Starting out with XXXX XXXXXXXX XXXX on the teller line and continue my career into the mortgage sector in the XXXX. I've been through the XXXX crash and I know how easily fraud can occur. I even wrote a book about the mortgage loan process. I also hold my broker 's license in XXXX and XXXX. My husband works for a merchant processor in security, for credit card companies. He runs their Technologies division. We are both horribly alarmed at the policies of Union Bank. They had closed our account a year ago which is fine. I understand they were probably concerned about covid-19 as it was just breaking out around this time. Knowing the account was closed was fine, XX/XX/20. Over a year later, XXXX, I get a bank statement with its complete account number, all of our information including address and name. I called Union bank just to be informed that they will mail out bank statements just like this anytime they have a policy change. Yes they will mail these out on closed accounts. Yes they will continue to mail it to the last address on record for up to seven years. This policy is flawed and needs to be corrected. I have never in my career ever seen this happen. Again I am a professional of 30 years in the finance industry and very alarmed at the behavior and policy of Union Bank. If this policy has been implemented in recent years I would strongly discourage it and ask for reconsideration for Consumer Protection. We have a situation now also because a lot of folks have passed away during the pandemic. Mailing out bank statements on accounts of the deceased, even if the account is officially closed, is opening up for liability, fraud, and exposure. I would think Union Bank would have a lot more sense in this. They are huge and they should be more aware of what kind of problems this could create and more than likely already has. In doing my homework, I looked at XXXX reviews to find one star and several complaints of accounts being closed and consumers subjected to fraud already. Numerous complaints of identity theft. This is how it can happen. Thank you for taking care of this matter and having Union Bank change its policy. Furthermore remedying any other policy like it that other banks are using. This is dangerous to the consumer and to the bank because people could fraudulently be opening accounts with this information. Thank you. XXXX XXXX XXXX, author of " XXXX XXXX XXXX XXXX '', XXXX # XXXX, WA # XXXX, Firm # XXXX, NMLS # XXXX XXXX XXXX XXXX
09/18/2020	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	CT 068XX	Web
I have a savings account with Purepoint Financial ( " Purepoint '' ), a division of MUFG Union Bank, N.A. ( " Union Bank '' ). The latter 's website states that I may request from Union Bank and its affiliates a document called the " Verification of Deposit '' ( VOD ) for my account, which verifies various types of account information, including the average XXXX balance, among other items. I have attempted to request this document for immigration purposes, and have encountered unreasonable difficulties as a result of Purepoint 's deceptive practices in and blatant refusal for honoring its own corporate policies. I initially requested the VOD on XX/XX/2020 over the phone from Purepoint. The document I received was merely the " Verification of Deposit Request '' form, and not the actual VOD itself. I called Purepoint again on XX/XX/2020 to again request the VOD. The customer service agent repeatedly and falsely insisted that what I received was the actual VOD document, even though the form I received was nothing more than a fillable PDF form freely modifiable by anyone, and it clearly states that it is a request form to be faxed to XXXX for requesting the VOD. A similar form with the same fax number is in fact freely available for download from Union Bank 's website. I did fax in the VOD request form given to me, and received a response stating that the request could not be processed because of incorrect social security number and incomplete account number. The former is simply false, and the latter is because the form provided to me does not permit inputting a full account number. After requesting to escalate the matter, I received a call from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX from Union Bank, who advised me to use the Union Bank 's VOD request form, which does permit inputting a full account number. My resubmitted request for a VOD has generated no response even though the specified XXXXbusiness-day time frame has passed. I again received a call from a customer service agent from Purepoint on XX/XX/2020. This time, instead of insisting that the document I was given was the actual VOD, I was simply told that I can not request a VOD, which is categorically false according to Union Bank 's own policies. I have been a customer of Purepoint since its inception as a division of Union Bank, and have always kept a substantial balance in my account. I am deeply disappointed and gravely appalled by the level of dishonesty as well as the glaring disregard to corporate policies and customer needs this bank engages in, which have caused me enormous frustration for simply requesting a well-established document that verifies my account and deposit.
11/19/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 90045	Web	Older American
XX/XX/XXXX I linked my personal bank ( XXXX XXXX ) to my Union Bank XXXX account and transferred {$10000.00} before going on vacation on XX/XX/XXXX. XX/XX/XXXX - While in vacation, someone accessed my Union Bank of California account, and initiated a link with " XXXX XXXX XXXX ''. XXXX someone withdrew as a XXXX XXXX XXXX XXXX an amount of {$30000.00}. XXXX I received on my phone a suspicious call from XXXX asking if I was XXXX XXXX from XXXX XXXX ( the account holder ), and if I did government work ( which I do ). The person said we could have some grounds to work together. I apologized and asked if he could call me the next day. I never received any calls from him again, and after learning of the fraud, I called his number-it just rang and rang. This week I called again and received a voice recorded message from XXXX stating that the number was disconnected. When we came back stateside, I checked my account at the end of the day on XX/XX/XXXX, and found the transaction which I did not authorize, and immediately called the bank, spoke to an operator and was told that I needed to go to a branch during the week and report the problem. Went to the bank on XX/XX/XXXX and the representative ( XXXX XXXX ) called the bank IT department and was told that even though the transaction were labeled XXXX XXXX XXXX the routing number where the money was transferred to was XXXX XXXX XXXX into a company called XXXX XXXX XXXX in Florida. This, by itself, should have raised a red flag on their system. My wife called the fraud department of the bank 3 days after the claim was initiated and was told that they did not have any record of the claim and that the fault was ours for not protecting our information. Next day she went to the bank and was given a claim number. This week she went back to the bank and finally spoke to the business banking representative boss ( branch manager ) and was told that the bank would have to receive the money back from XXXX XXXX ( she was looking at the bank database ) and this could take 1 year. My wife showed her the transaction log showing money going to a XXXX XXXX XXXX account and the manager corrected herself saying that it was XXXX XXXX XXXX. I completely lost faith in Union Bank ; they have a poor online system to protect customers interest. Union Bank is in the process of selling the bank to XXXX XXXX as of XX/XX/XXXX which has a more secure system. I am concerned with what will happen to this claim once it becomes another bank. I have XXXX XXXX XXXX on my XXXX and XXXX, nothing was detected.
09/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	TX 79762	Web
To Whom It May Concern : I recently ( within the past two weeks ) signed up for a credit card with Union Bank XXXX XXXX and received the card Thursday, XX/XX/2022. In the paperwork that was sent to me with the card, the Summary of Credit Terms states in large font and in bold a " 0.00 % Introductory APR for the first 15 moths that your account is open '' under " Annual Percentage Rate ( APR ) for Purchases. Additionally, this Summary of Credit Terms states ( in bold ) a " 0.00 % Introductory APR for the first 15 moths that your account is open '' under " APR for Balance Transfers ''. Nowhere on the form does it say that using the card for a purchase after doing a balance transfer will nullify both 0.00 % promotional offers. Yesterday ( XXXX XXXX ), I called in to do a balance transfer and transferred {$2800.00} from my XXXX credit card, although I would have preferred to do it via paper or online form but was not able to do so on the Union Bank website ( https : XXXX ). I repeatedly had difficulty understanding the Union Bank employee 's speech and repeatedly made this clear ( our conversation was in English, and I speak fluent English as a first language ), and I did not hear any new warnings that ( despite not mentioning it the Summary of Credit Terms issued to me this week ) that if I use the credit card for a purchase after doing a balance transfer that I would be liable for a 9.99 % interest rate for not only the balance transfer but also all new purchases. I would not have realized it until today ( XX/XX/XXXX ) when I called in to transfer {$4000.00} from my other credit card and was clearly told the terms, which I feel are unfair and so I declined to transfer the additional balance. I spoke with two Union Bank representatives today ( XX/XX/XXXX ) and clearly expressed that I felt I had been misled and that I do NOT agree to paying this bank interest in the first month when the Summary of Credit Terms clearly states that the APR for both purchases and balance transfers are 0.00 % for the first 15 months that my account is open. I was told that I could file a complaint with the company but there is nothing else they or I could do, and now I have to wait 10 business days to hear back from them. Again, this is false advertising at the very least, and completely predatory behavior in my view as a consumer. Any help with this issue would be appreciated, I am more than happy to provide a copy of the Summary of Credit Terms that I refer to, please see attached. Best Regards, XXXX XXXX
08/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 91606	Web
I am writing this because I have been a victim of identity theft and I did everything I could so far to resolve the issues but at this point I want the proper authorities to conduct the investigations with the banks. I have been a victim of identity theft, with multiple banks. On XX/XX/2022, my real estate broker and I discovered of this issue after the broker conducted a financial background check to analyze if I'm eligible for a real estate loan or not. He discovered that there are XXXX judgments pending from XXXX XXXX and Union Bank. I contacted both creditors because I never conducted any business with these banks. I had to inform them of the identity theft because they cooperated with identity thieves to open these accounts without my consent and authorization. Both banks initiate what they call a dispute to remove and delete the account from their systems and the balance. In addition, purge my personal information from their banks since I never associated with them or conducted any form of business. Couple weeks go by and I had the please to speak with a financial crimes investigator from Union Bank requesting additional documentation. I sent her whatever she requested. I sent her a signed and notarized affidavit, my identification card and my social, an FTC report also. In addition, I picked up the court documents to learn what was happening because I was never served any documents. In addition, they are claiming that the information that was used it was used for a business loan or a business line of credit. I do not even own a business and yet it shows that there is a business line of credit under my name. I informed them of this issue and they claimed to understand that I have been a victim of identity theft. They were supposed to send me a reply within a month and Union Bank Financial Crimes Investigator XXXX XXXX was supposed to remove and delete the account because the account was opened due to identity theft and fraud. Union Bank and XXXX XXXX both cooperated with identity thieves to open fraudulent and falsified accounts using my name, social security, date of birth. I am not the responsible party for these accounts because I have never associated with these banks. I would urge people to check their information more and more and to play a lock at the in order to not become a victim of identity thef with some random financial banks.
06/17/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 919XX	Web
I have a HELOC with Union Bank. I have set up autopay for the minimum payment due to UnionBank. On XX/XX/2020 and XX/XX/2020 I submitted checks to Union Bank, and clearly wrote on the checks and the payment coupon " EXTRA TO PRINCIPAL '' and wrote on the check my account number and the words " EXTRA TO PRINCIPAL '' As has happened in the past Union Bank refuses to apply my payment as extra to principal. On XX/XX/2020 they applied my extra to principal payment of {$100.00} as if it were a regular monthly payment and prepaid interest and some principal. And then without my authorization, they reduced the amount of my autopay from {$430.00} to {$330.00}. On XX/XX/2020 I sent another {$100.00} check and clearly wrote on the check and the payment coupon " EXTRA TO PRINCIPAL '' and wrote on the check my account number and the words " EXTRA TO PRINCIPAL '' This time Union Bank rejected my payment and sent a letter to me saying they returned the check. When I called customer service they said they did not know what to do with the check so they returned it. I had previously called customer serviced and requested they re-apply my {$100.00} payment of XX/XX/XXXX to principal. They have not done so and now when I call it is no longer and option.I asked that the ycorrect the autopay and return it to the amount I authorized, whichis the minimum/ regular monthly payment in the amount of {$430.00}. They said they would research the matter and when they called me back they said if I want to pay extra to principal I must wait 3 days after the autopay is posted, but not to wait too long, or the payment will be applied as a regular payment. I found no matter when I mail the extra to principal payment they post it incorrectly and always in their favor. Union Bank gave no solution to reallocate the {$200.00} I mailed in to be applied as extra to principal. They are lenders but do not know how to apply payments, I find that hard to believe. In addition, years ago I tried to pay extra to principal many times and they refused to post it correctly and did the same thing - prepaid interest instead of paying extra to principal. I spent hours on the phone and I finally gave up on making said extra to principal payments. Today, XX/XX/2020 I asked for a supervisor to discuss a resolution and they said my call would not be taken/they don't take calls.
02/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 94015	Web
I have credit card account with Union bank since XX/XX/XXXX. I was making regular monthly payment. I use XXXXXXXX XXXX electronic checks for payment. On XX/XX/XXXX XXXX I received the letter from Union Bank stating my payment was received in XX/XX/XXXX but is returned, not accepted. I will incur late fee with next statement and needed to pay ASAP. Of note, due date is XXXX of each month. Bank deliberately mailed the letter late to set up a customer for late charge. I confirmed with XXXX XXXX check was mailed on XX/XX/XXXX and was cleared on XX/XX/XXXX I have the letter from XXXX XXXX with a copy of the check. I called Union Bank, I was advised the case will be escalated with payment team and I should check in five business day. On XXXX XXXX I received a letter from Union Bank advising me to pay ASAP to avoid collection process! I called Union bank again on XX/XX/XXXX and was advised in rude away I have to pay. I again advised Union Bank I did not receive any reversed payment, {$200.00} were sent by XXXXXXXX XXXX. I did not receive my money back. I was advised again case would be escalated to the payment team I have to wait for ten business day. I called on XX/XX/XXXX and was advised same, case was escalated As responsible consumer with credit score XXXXXXXX I am concerned about the situation. I am between two banks now, I payed on time, two weeks prior to due date. As of XX/XX/XXXX I did not receive a check from Union bank with reversed payment.Money were cleared from my XXXX checking account! I called your agency and I was advised to open dispute case. I tried to open it last week and today, XX/XX/XXXX Both time my request to open the dispute case was declined! I just spoke with representative XXXX who declined my request. I asked to speak with the supervisor but she/he is not available .I was advised supervisor would call me back within an hour. I did make my payment on XX/XX/XXXX with the memo to apply the payment for my XXXX statement. I believe XXXX payment was lost but money were cleared from my account .I would like to pay my XXXX dues when I receive my money back! It should be in Dispute process .Union Bank declined to open Dispute case. I appreciate your assistance in this matter! I can prove with my monthly bank statement, so called reversed payment is not received. XXXX XXXX XXXX number with Union Bank XXXX
03/18/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 75063	Web
Hello Team, I had asked my Mortgage provider, Union Bank, to exclude Owner 's title insurance ( which is stated as optional ) on XX/XX/XXXX. They replied saying they would speak with XXXX XXXX XXXX XXXX and exclude it. Neither the bank nor the XXXX XXXX XXXX XXXX never responded with any data or numbers as to what it would look like if they removed owner 's title insurance. I was communicating with the bank only all the time and the bank is partnering with the title company. Today is XX/XX/XXXX and we are now 3 days away from closing the home. Today, I was arm-twisted to buy owner 's title insurance by scaring me with the fact that if I don't buy owner 's title insurance, then : ( a ) my overall title charges will increase by {$3000.00} as the title company is bundling all together for a discounted rate and ( b ) that removing owner 's title insurance is going to delay my closing by 7 days. I had no choice but to go for it at this time. Also, today, XX/XX/XXXX, I had a very bad and insulting experience with one of the escrow assistants in XXXX XXXX XXXX XXXX. I was not told about what would happen if I reject the owners title insurance policy ( which is optional ) by representing it with proper data and numbers, much before hand. I had asked this information around 4 weeks back. Now, XX/XX/XXXX, I am around 3 days away from closing and I am called and I am being disturbed on my vacation with information like if I do not take the owners title insurance policy then its going to increase the overall rate by {$3000.00}. This is almost like twisting my arm, and trying to force me to take the owners title insurance policy without presenting the clear information and data to me much before hand. When I informed the escrow assistant that I feel insulted, there was no empathy or acknowledgment shown, rather there was a blank statement in response saying that OK we will include the owners title insurance policy. This practice needs to be addressed and made sure that all homeowners are treated and communicated properly. They should be treated with respect and dignity. The escrow assistants name is XXXX XXXX XXXX. My address is : XXXX XXXX, XXXX, CA XXXX Why would they do this to consumers? Why would the title charges increase by {$3000.00} if I try to deduct an owner 's title insurance by {$1200.00}? Regards, XXXX
04/15/2020	Yes	Mortgage VA mortgage	Closing on a mortgage	CA XXXXX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Cell, XXXX XXXX Home phone XXXX United States Congressman , Mr. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : VA Loans and Refinancing To the Honorable , Mr. XXXX XXXX During this global pandemic the fact that your congressional office actively reaching out to our community at this time is very reassuring. Early XX/XX/2020, I applied for a VA refinancing loan from Union Bank. At the onset of the application I was advised not to include the income that I received for hosting an exchange student at my home. My VA refinance application ( Union Bank Loan Number XXXX ) has been pending over 90 days without resolution. I have paid my own appraisal fee and pest inspection fee prior to the latest closing disclosure dated XX/XX/2020. My cash out has been reduced from {$80000.00} to {$19000.00} with the same monthly payment. Most of the XXXX Veterans ( like myself ) own one home and has lived in XXXX County for a long time ( 39 years ) and subsist on their VA XXXX as their primary income. I ( enjoy ) hosting international students as supplementary income for the unexpected expenses and I have been hosting for 10 years. I applied for my loan before the pandemic and I am grateful that financial institutions are in place, making loans and providing general banking needs, however, I do not want people losing their homes to fancy math. I have lived through the US predatory loans era and the market recession of XXXX. Every eligible veteran applying for a VA loan should be entitled to the lowest interest rate loans on the market. Ive owned my home for 15 years, never late on my mortgage-yet the loan process has taken more than 90 days to get the loan to the disclosure stage. I am praying for the ( VA ) loan process to be streamlined and fairly dispersed, so that individuals like myself can prepare for our families within this pandemic. Sincerely XXXX XXXX My questions Is it true, that as the interest rate has been lowered, Union Bank charges a higher interest rate for refinancing VA loans? Ive paid for my VA appraisal {$600.00}, pest inspection {$150.00} and re-inspection {$99.00} as I have filed this complaint can they cancel my loan? What protections from retaliation does a borrower have? Every time a closing disclosure is issued does that cost the borrower money?
02/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	OR 974XX	Web
I received my credit card statement on XX/XX/XXXX and it had a fraudulent charge that I did not make. My card had a zero balance prior to this charge & I had not used the card in quite some time. I contacted Union Bank immediately & reported the the fraudulent charge. Their customer service center told me they would take care of it they closed my account and issued a new card with a new number. A month later I got my next statement and the fraudulent charge was still on my account plus I had been charged late fees and interest charges. I called Union bank again on XX/XX/XXXX - the customer service rep I spoke to told me she saw the record of my prior call but the person I spoke to didn't flag the charge as fraud like she was supposed to. The rep I spoke to on XX/XX/XXXX flagged the fraudulent charge as a fraud charge and credited the late fee and interest charged on my XXXX statement. A few days later I started getting collection calls from Union bank. I called again on XX/XX/XXXX and spoke to the collection dept. The collection agent said she would take care of it. The collection calls stopped after that but I am still receiving collection letters regarding the past due balance ( late fees & interest that they keep charging me because of the fraudulent charge they wont take care of ). I called again on XX/XX/XXXX and spoke to the collection dept ( my calls are automatically routed to them when I call ). They are the only dept that speaks clear english. The collection agent apologized and said she understood my frustration but the customer service department was the only department that could help me so she transferred me over to them again. The customer service center is outsourced to another country. I have a hard time understanding them & they are not doing anything to resolve this matter even though they tell me they will take care of it every time I call. I dont know what else to do at this point because I cant speak to anyone who is willing to actually fix this issue. When I spoke to them on XX/XX/XXXX I told them I want to get this resolved & I want to close my account. I have never had such horrible service from a bank in my life & will never do business with them again. I hope you can assist me with resolving this matter and getting my account closed to prevent this from happening again.
04/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 94597	Web
* XXXX Received an email notification from our credit monitoring company, XXXX, that a dormant Union Bank credit card has recent activities on it. Called the bank on same day and found out XXXX fraudulent transactions for amount of {$980.00} were placed in XXXX. The representative said he will report to Fraud department and it should be taken care of within 30 days. * Received a letter on XX/XX/2022 that they are looking into this matter and will contact us if additional info is required. Also the original card was closed and a new card was issued, but the balance of fraud transactions along with added fees and interests ( {$37.00} ) were placed on the new card. * Received a collection letter on XXXX XXXXXXXX XXXX asking to pay a minimum payment of {$40.00} for the balance of {$1000.00}. Realizing that a phone call may not suffice, submitted an official certified dispute letter dated XXXX XXXXXXXX XXXX disputing the fraudulent charges and mailed to the address outlined in the back of the statement. * Received another collection letter dated XX/XX/XXXX and XX/XX/XXXX. Called Collection department several times stating that the fraud charges are under the investigation, however, the representatives informed us that their department does not communicate with other departments and referred us back to their customer service or fraud department. Between XX/XX/XXXX and XX/XX/XXXX, left several messages to a XXXX at the fraud department with no avail. We were also given the run around when we contacted the customer service department. * On XX/XX/2022 our credit score dropped XXXX points to XXXX due to late payment/past dues for this credit card. * Wrote a XXXX official letter dated XX/XX/XXXX, requesting a quick resolution to this matter and to contact the credit agency to repair the damage. * On XX/XX/2022, we received a letter from fraud management services stating the credit was given for all the unauthorized charges. * Called the Customer service department on XXXX wanting to close the account, they informed us that the account has a balance of {$57.00} plus amount for all the fees and interest charges accumulated from the unauthorized charges. The representative said he will put a request to see if they can waive these charges, but we have to wait until XX/XX/XXXX to verify its approval.
10/15/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 923XX	Web
I have been a Union Bank personal and multiple business account customer for about 25 years. I normally make our two separate monthly mortgage payments on our two separate properties via Union Bank 's automatic online bill payment program from our personal checking account. Because we were refinancing both of those loans by entering into new mortgage loans, no XXXX mortgage payments were due. So on XX/XX/XXXX I went to the Union Bank online bill payment program to delete both of those " old '' automatic mortgage loan payments that would otherwise be made on XX/XX/XXXX. However, when I tried to do so, I found that they showed to be " In Process '' and I therefore could not delete them. On XX/XX/XXXX I contacted Union Bank customer service by phone. Initially, I was assured that they would just stop those payment checks from being sent out since they were still " In Process ''. But after spending almost three hours on the phone, I was told that they actually could not stop the checks from being mailed out. Instead, they would stop payment on both checks, assuring me that those checks ABSOLUTELY COULD NOT BE CASHED AND WOULD NOT BE PAID. I then told the agent that I wanted to receive confirmation of that IN WRITING. Although they tried to avoid doing so, they finally agreed. On XX/XX/XXXX I received an email from another individual at Union Bank confirming that the stop payment orders had been issued on both checks, and that " these items are unable to be cashed ''. On XX/XX/XXXX, despite assurances to the contrary, Union Bank PAID BOTH CHECKS BY WITHDRAWING NEARLY {$3500.00} FROM MY ACCOUNT WITHOUT MY AUTHORIZATION, AND WITH MY SPECIFIC INSTRUCTIONS TO NOT DO SO. I immediately contacted customer service again and accomplished nothing. I then contacted the branch manager who tried to get things resolved, but was only able to escalate the case to the " Office of the President ''. It is now XX/XX/XXXX, I have spoken to a person from the " Office of the President '' myself, and STILL nothing has been accomplished and they still have not credited the funds back to my account. In my opinion, Union Bank has STOLEN {$3500.00} from my account, AND I WANT MY MONEY BACK IMMEDIATELY!!! Further, they should be criminally prosecuted for their theft of funds from my account.
05/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with balance transfer	RI 02879	Web
On XX/XX/2022 I applied and was immediately approved for a Union Bank Visa credit card. They had a promotion offering {$0.00} fee balance transfers for the first 60 days. As soon as it was approved, I was asked if I'd like to request a balance transfer. I said yes and entered in the account number and balance amount for my XXXX XXXX. I was not asked for an address. I never received an email confirmation for the new card account or for the balance transfer. I was given no verification or documentation. My XXXX XXXX payment was due on XX/XX/XXXX. The balance transfer did not show up on my account, so I made the minimum payment believing the funds would soon be transfered. I received no communication from Union Bank until receiving the card on XX/XX/XXXX. The transfer amount was shown as a balance on the Union Bank Card, but was not applied to the XXXX XXXX. Then, on XX/XX/XXXX ( 13 says after requesting the balance transfer ), I received a letter saying Union Bank mailed a check to " XXXX XXXX '' ( name misspelled ) on XX/XX/XXXX. None of the card disclosures said balance transfers were done by physical check. I don't know of any large financial institutions that does not use electronic funds transfers. On XX/XX/XXXX, a full two weeks after being approved for the card and requesting the transfer, I received a check made out to " XXXX XXXX '' and addressed to my home address. Union Bank sent my balance transfer to my home, addressed to the wrong company. When I called customer service about this error, they tried to tell me it was my fault for putting in the wrong address. I was never asked for one and they could not demonstrate where or how I had submitted both the wrong name and address. They offered no possible solutions and I ended up closing the account in frustration. Now I'm going to be charged interest on the balance I could have paid completely on the due date and I have a card opened and closed two weeks later on my credit report. I now don't have the funds for a home improvement project I have planned ( the whole reason I applied for the 0 % interest card ) and wasted a significant amount of time with both XXXX XXXX customer service ( trying to find those supposedly transfered funds ) and Union Bank 's grossly incompetent and unhelpful customer support.
12/14/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 90024	Web
XXXX XXXX has now went against law and beyond his legal means to now STEAL MONEY FROM MY BUSINESS ACCOUNT... TRANSACTION XXXX - XXXX Check # XXXX TRANSACTION XXXX - XXXX Check # XXXX TRANSACTION XXXX - XXXX Check # XXXX Total of = {$19000.00} To pay off personal debt... The money in my business account is clear and true and was in the account for over a month. He illegally froze and leveraged that money against my will with no authority. No messages or information pertaining to the reasoning behind it was offered ever. I had to jump through hoops for over a XXXX weeks to get ahold of XXXX XXXX who then told me she was instructing the bank to close the account and issue me a cashiers check prior to this branch manager stealing the money today to pay off personal debt of mine. IT's now cost me my business and livelihood. My business is now fallen and i have no way to pay for food or personal expenses or business expenses. The law states If you are an owner of a corporation or LLC, you are a separate entity from the business, and the business isn't responsible for your personal debts. In a corporation, a creditor with a judgment against a shareholder could end up controlling the business, as you'll see below. By they way they never took legal route to do so or had any judgements or civil authority to do this. For example, a creditor with a judgment against an LLC member can come after any distributions that would have been made to the member, but not the member 's share of ownership in the LLC. Most states will not order a forced sale to pay the debt. . Liability for corporate shareholders is different from that of LLCs because the shares of stock they own in the company are considered personal assets. A creditor with a judgment against a corporate shareholder can take the shares of stock the shareholder owns, and along with it, the voting rights granted by those shares. If the debt is large enough, and the shareholder owns a majority of the stock shares, the creditor can take over the company and even force it to be liquidated. The above referenced is the ONLY the bank had the authority to take money from my account to pay for personal debt with them. THIS IS A VIOLATION OF THE LAW BOTH CRIMINAL AND CIVILLY BY this branch manager. XXXX XXXX.
10/05/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 91607	Web
Hello, I am a XXXX XXXX XXXX women with a permanent XXXX. I opened a checking account with Union Bank in XXXX XXXX, XXXX. in XX/XX/XXXX. I had my XXXX direct deposit going to this checking account, & I never had any problem until In XX/XX/XXXX, my balance was around {$31000.00}. I wrote some checks for total of {$26000.00}, ( which include XXXX check for {$14000.00} to my XXXX XXXX ). If Union Bank paid all my checks, my remaining balance would be {$5700.00} plus my direct deposit of {$1700.00} which gets deposited on XXXX of each month. That would make my balance {$7400.00}. On XX/XX/XXXX, Union Bank paid XXXX total of {$7000.00} and on XX/XX/XXXX paid again to XXXX {$10000.00} which I have no idea who this is or I don't know how they got my information or my account number. When I was checking my account balance to see if my direct deposit was in my account, I noticed there was a negative balance of {$13000.00}. I was shocked and panicked, and quickly rushed to the bank to resolve the issue. The Union Bank Manager stated that I authorized XXXX to approve the charges, but when I explained the situation to the teller of the bank as well as the manager, they both said I do not believe you and was very rude. The manager said too bad and that we already pay them, and that I owe them {$11000.00} since the bank took my direct deposit of that month, otherwise it would be {$13000.00}, because of that {$14000.00} check to my insurance, bank made my account negative & closed my account and send me to collection. Please help me retrieve my money back from the bank, since the bank paid over {$17000.00} to XXXX without even verifying with me. They didnt check to see history of my checking account that I have never paid anything to XXXX in the past. They did not even bother to call me to verify the transaction. In reality, I feel like they assisted XXXX to rob me because they did not do their due diligence. I trusted the bank since I have been a long time customer with them with no issues. They dont understand that was my life saving and working very hard to save this. And I cant live my life like this with bad credit and no money after all my life working hard. Please see attached statements and help me to recover this. Thank you
07/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 95757	Web
This is in regards to fraudulent charges in a Union Bank credit card account. 1. XX/XX/XXXX I was made aware of a " late '' fee on this Union Bank account for a card which I had never activated or used. I then viewed various transactions that I had not initiated ( see below ) : Transaction History for XX/XX/XXXX Transactions XXXX XXXX XXXX Date Transaction Description Amount XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX GA {$43.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$190.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$170.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX {$190.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$44.00} Total {$850.00} XX/XX/XXXX XX/XX/XXXX 3 % XXXX XXXX XXXX {$5.00} Total Fees This Period {$5.00} I immediately contacted Union Bank and filed a fraud complaint, as I had not made any of these charges. XXXX. XX/XX/XXXX I received a letter from Union Bank fraud department acknowledging a fraud dispute had been opened, and to await further word by mail as to any conclusions. 3. XX/XX/XXXX I received a letter from Union Bank fraud department in response to the fraud claim. However, the amount forgiven was only {$29.00} ( actual total was $ XXXX at that time ). I then made several attempts to contact the person listed on the letter, and could not get her on the phone, and her voicemail box was full. 4. Time between XX/XX/XXXX- Present I contacted the fraud department 2-3 more times and re-initiated the fraud disputes, again with promise to be responded to by mail, but have yet to receive any further response from the fraud department. The company closed my account ( involuntarily ) resulting in an immediate XXXX point drop in my credit score, due to reducing my available credit. The " Collections '' department continues to make attempts every few weeks to collect the " balance, '' with no coordination between them and the fraud department, and no additional information provided to me. 5. According to the latest statement, with due date of XX/XX/XXXX, the current " balance '' is {$1000.00}. ( Again, for a card I never used, and charges I never initiated.
08/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 94587	Web
I applied for a credit card with Union Bank XX/XX/2021 ; never received a reply ; no card to activate. Little did I know, an identity theft had already occurred. Charges were allowed on the card for more than 2 months! I wound not know because no statements were mailed to me. I blame Union Bank for letting its guard down maybe because I had a high credit rating XXXX. No verifying my identity, allowing the fraudulent user to steal my identity, proceed with anomalous multiple purchases and cash advances in just 2 days without any check or verification that it was indeed me ; no text no phone call, no alert, at all. Unknown to me, transactions amounted to almost {$18000.00} have been accumulating from XXXX XXXXXXXX XXXX, using up the credit limit of {$15000.00} and then some. This is obviously a red flag that Union Bank did not do anything about. I have copies of 2 monthly statements which by the way were not received in the mail - I had to request for them late in the game. Month after month, interest and late payment charges were leveled against the account with this high balance, which by then in XXXX came as a big shock when I finally got the statement mailed to me. All this time, I thought my application for the credit card in XXXX was denied and forgotten. I personally went to the bank in XXXX, to tellers, to account managers to have the whole thing rectified and in earnest time. Nothing happened immediately but eventually got a letter from Fraud Dept stating that the matter is under investigation, after so many calls and hours of waiting in the call answering system. I don't even know the full account number, just the last 4 digits that show on the statements. From my multiple calls with Union Banks representatives over the months, I was able to gather the first 6 digits of the account number and a phone number associated with the perpetuator. No follow up at all from Union Bank until now that I've sent letters to all three credit bureaus and CFPB. XXXX XXXX Bank now asks for a police report which I immediately mailed to them today, XX/XX/XXXX. I will be giving updates right after anything comes up.
10/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	CA 92618	Web
Hello, this complaint is against my Union Bank Credit Card for false or misleading program information in regards to Covid-19 assistance due to hardship on two separate occasions. This has now resulted in two late payments on my credit report, as well as a " hard credit check '' ( even after I verified with the rep on the phone that it would be a " soft check ''. 1st Instance : In early XXXX, I received an offer by email indicating that if I'm having any financial issues as a result of Covid-19, that I could request payment deferment for 3 months via the Union Bank Credit Card website . I filled out this form, and received an on-screen confirmation that I can skip my mininum payment for 3 months without any adverse credit reporting, or late fees. Two month later, I was hit with a late payment on my credit. I called and spoke with Union Bank, and they rep said they had no record of my online request. 2nd instance : I received a letter from Union Bank dated XX/XX/XXXX, stating that if I was impacted by Covid-19, to contact union bank for flexible relief programs. I called Union Bank and spoke with " XXXX '' or " XXXX '' on XX/XX/XXXX. The rep said that no such program exist ( even though I received a letter from union bank stating such a program exists ). The rep then took a payment from me to avoid a late payment. He rep also said they can run my credit to see if they can help in any way. I told the rep that I would only consent to a credit check if it was a " soft check '', and not a " hard check ''. The rep verbally confirmed that it would be a soft check. Today ( XX/XX/XXXX ), I was hit with a late payment, and a hard check on my credit. The Union Bank rep completely LIED, and the Union Bank letter contradicts what he told me about relief programs. Union Bank 's credit card division is not truthful, any Covid-19 related relief programs they advertise to customers are never actually available ( I can provide a copy of the letter they mailed me to advertise Covid-19 relief ). The phone rep completely lied. Please help. This has damaged my credit, and created a hardship situation. Thank you
04/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA XXXXX	Web	Older American
I have never applied for or ever used any Union bank credit card. I received a billing statement for the card ending in XXXX for the period of XX/XX/XXXX to XX/XX/XXXX on XXXX XXXX for {$5.00} ( the transaction date was XXXXPlease see the attached pdf files containing XXXX copies of all relevant Union bank documents mailed to me by Union bank ) . I called the Fraud number on XX/XX/XXXX to report that I had not only not purchased the item, but that I had never called to activate the card ending in XXXX or removed the sticker. I was told that this was a recurring charge and that they would start an investigation. I received another billing statement for the period XX/XX/XXXX to XX/XX/XXXX while the fraud investigation was ongoing for another {$5.00} ( Transaction date was XX/XX/XXXX ) plus the original charge of {$5.00} plus fees of {$7.00} ( this included a late fee of {$5.00} ) for a balance of {$19.00}. Since I was NOT SUPPOSED TO BE BILLED FOR ANY TRANSACTION INVOLVING REPORTED FRAUD, I assumed this was a billing error.I had received a letter dated XX/XX/XXXX ( see attachments ) stating that the fraud investigation was ongoing.However, I received a Union bank statement for the period of XX/XX/XXXX to XX/XX/XXXX for the {$19.00} plus fees charged of {$21.00} for a total of {$41.00}. The billing statement was for the new card that they had issued me ending in XXXXI never requested a replacement card, never phoned in to activate this card, and never took the sticker off this card.I have never used this card. I received a letter ( see attachments ), dated XX/XX/XXXX, from XXXX XXXX, stating that the charges involving the two fraudulent {$5.00} billings had been reversed. However, I then received a billing statement from XX/XX/XXXX to XX/XX/XXXX claiming that I still owed {$11.00}, of which {$9.00} was past due. I then realized that Union Bank does not know what they are doing and that they have extremely severe coordination problems that currently exist between their billing dept., fraud dept., sales dept., and loan dept.. Sincerely, XXXX XXXX XXXX
03/18/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 94609	Web
In XXXX, XXXX I reported to Union bank number of unauthorized transactions totaling {$5800.00} that have posted to my card ending in XXXX. On XX/XX/2022 the Union Bank denied my claim using the regulation E and stating that I was negligent in promptly notifying them and imposed liability on me in the amount of {$5700.00} honoring only {$110.00} to conclude the claim. I am appealed that the bank would use such a lame excuse in order to deny consumer protection that is guaranteed by the law. The regulation E makes it clear that the consumer is entitled to receive protection under regulation E even in consumer acted negligently. The financial institution did not consider all the relevant information regarding the protection. Regulation E takes into consideration extension of time limits due to extenuating situations. In the past six months I have had to travel overseas for four weeks at the time to take care of a terminally ill father in law. I was absent from the country for many, many weeks. I have communicated about my position to two different banking representatives and explained that since I was out of the country for very prolonged blocks of time I may have not acted by the books, and that I did not discover some of these unauthorized transaction on time. The larger debits that amounted to over {$5000.00} were reported within the 60 day time limit. The bank did not consider any of these facts when creating greater liability on me then premiered by the law. The bank representatives kept stating that I am not protected and were not introduced in hearing about the hardships that I was facing with extended travel and terminal illness of my close family member. I am asking the CFPB to investigate and provide me with the protection that is guaranteed to me by the law. XX/XX/XXXX number of transaction with union bank reported them as soon as i seem them. XXXX union back denied the claim they only covered {$100.00} and the rest I'm just out all that money. I tried another time to get them to cover and no success.
03/16/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 94801	Web
Union Bank has blocked use of my VISA credit card # XXXX, for well over a year. Although Union Bank may have a right to close a credit card, they do not have a right to damage me by forcing me to have an open credit card with a valid credit limit, but not let me use it. This damages me as I can not apply for other business credit cards, as the credit bureaus are reporting that I have this credit card open. It is also a burden on me to have to watch incoming statements for this card. I have made roughly 30 requests that this card be either opened or closed, however Union Bank has ignored all of them. This includes an in branch visit to a Union Bank branch. After many, many calls, over many months, I was referred to XXXX at XXXX XXXX XXXX XXXX. After roughly 15 messages XXXX responded zero ( 0 ) times. Aside from this problem, I have had a very good relationship with Union Bank, both with credit cards and bank accounts for many years. I bear them no ill will. Accordingly, if they remove the block on my account, I will consider this as an unfortunate mistake, committed in good faith, and I will withdraw my CFPB complaint and I will not pursue legal action. However, if Union Bank continues to stonewall me, then I will continue with this complaint and with appropriate legal action to seek reimbursement for my damages, including punitive damages for intentional wrongful acts by Union Bank. If, by their future actions, Union Bank shows that are acting in bad faith, I would suggest that the CFPB, under threat of litigation, require 1 ) a written statement confirming either that blocking a customer 's account for ~ 2 years with no explanation was not their policy, and committing to a specific plan to properly train the employees ( like XXXX ) who handle these matters, or 2 ) a statement that it was their policy and a written plan to change that policy and to train their relevant employees on the new policy. Please feel free to contact me if I can be off further assistance. XXXX XXXX XXXX XXXX
04/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92019	Web
On XX/XX/XXXX, I received both a phone message and email from my credit card company ( Union Bank of California ) about some potential unauthorized charges on my credit card account. I then found that my credit card was missing so I contacted my credit card company on XX/XX/XXXX to report that indeed, there are many unauthorized charges on my account. The card was then closed and a new card issued to me. The credit card company also removed all the unauthorized charges. Then, the same fraudulent charges that appeared on XX/XX/XXXX ~ XXXX reappeared on my account on XXXX of XXXX. I then called the credit card company on XX/XX/XXXXXXXX and re-reported this issue. I called back again on XX/XX/XXXX to check on the status. I was told that the results of their investigation deemed all charges to have been authorized and that the case was now closed. All of the fraudulent charges appear to have been made in the XXXX XXXX area after a single authorized purchase during a day trip to XXXX XXXX from our residence in XXXX XXXX. The last authorized charge made before fraudulent purchases were made = XX/XX/XXXXXXXX at XXXX XXXX XXXX XXXX XXXX for the amount of {$26.00} The 11 unauthorized charges that occurred between XX/XX/XXXX and XX/XX/XXXX after the final authorized purchase listed above = XX/XX/XXXX at XXXX # XXXX XXXX for the amount of {$80.00} XX/XX/XXXXXXXX at XXXX XXXX XXXXXXXX for the amount of {$220.00} XX/XX/XXXXXXXX at XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$220.00} XX/XX/XXXXXXXX at XXXX XXXXXXXX by XXXX for the amount of {$5.00} XX/XX/XXXXXXXX at XXXX # XXXX XXXX for the amount of {$80.00} XX/XX/XXXX at XXXX # XXXX for the amount of {$160.00} XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX for the amount of {$160.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX # XXXX for the amount of {$220.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX for the amount of {$220.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX for the amount of {$10.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX for the amount of {$10.00}
09/06/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 91342	Web
Around XX/XX/2020, I received a phone call from Union Bank fraud department regrading suspicious transactions. Upon returning their call, the informed me that on XX/XX/2020 there were two purchases made, from XXXX XXXX and XXXX XXXX, totaling {$3100.00}, through my Union Bank credit card, that I did not make. I could not locate my physical card, and neither could my wife. The card was in her possession for several months, in case of an emergency. She did not make these purchases either. I contacted Union Bank and they credited the account and sent me a new card. On XX/XX/XXXX, they sent a letter that they determined the transactions were authorized, and re billed my account for the stated amount. The letter stated that I can request to view the documents/information that they used to make the decision. I had sent a certified letter back to them, specifically to XXXX, Fraud Management Services, XXXX XXXX XXXX, XXXX, XXXX XXXX, clearly requesting that information. A month later I get a reply from XXXX, Dispute Operations, XXXX XXXX XXXX, XXXX, XXXX XXXX, asking me to explain what transaction I would like information on, a description of what happened, date/dollar amount, and what I am expecting from them. I called XXXX at the number in the letter, XXXX ex XXXX and left two voicemails explaining that I am replying to a letter from XXXX, and looking for the specific information that was used to determine the charge as authorized. On XX/XX/XXXX I receive another letter from XXXX, regarding a different charge, for {$210.00}, from XXXX, asking me to complete a dispute form and fax it to them. This was a transaction that I never continued to dispute because I was able to eventually resell the item and get my money back. Union Bank is giving me a run around regarding providing information for this fraudulent charge. The two employees, XXXX and XXXX, have -never- answered their phone, and are completely avoiding providing direct answers and information, and resolving this latter.
07/30/2020	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	CA 91754	Web
RE : Fingerprint Requirement to cash checks - Possible Security RISKS to personal technology and privacy - MUFG Union Bank Office of the President and XXXX XXXX XXXX CFPB, MUFG Union Bank, XXXX XXXX and XXXX XXXX : This complaint was filed due to not receiving any response about my check cashing experience at your bank located in California. I am a current safety box ( Signature Card Holder ) at branch that cashed check. Please ask XXXX that she can verify my signature on file and she knows me as I am a former employee. Is this the way you treat ALL former employees of the bank? On XX/XX/2019, I went to the local branch of Union Bank or MUFG Union Bank and wanted to cash a check written to me from my mom ( Check Number XXXX in the amount of {$760.00} was drawn on Union Bank ). I went to the teller window and was asked for 2 pieces of Identification. I had that and provided it. Next, they asked me for ID to cash my mom 's check. I was shocked at the request and had the employee ask XXXX ( Customer Service Manager ) if I still had to give the fingerprint even if she can vouch for me as a her former employee. According to her, I was required to provide the fingerprint. It hurt me that they did not trust me cashing my own mother 's check. Trust is very important and I did nothing wrong for them to treat me less than equal to other former employees. Also, due to the new smartphone technologies, fingerprints are now more a security or privacy risk and can be a possible violation of 4th amendment rights. The use of fingerprints as unlock feature can pose as this risk and the bank should protect consumers, as well as, find new ways to secure assets. No one believes me. I previous complaint was filed with the CFPB and hope this can be resolved correctly. Can you please ask XXXX XXXX why I am unable to bank with my family at Union Bank or MUFG Union Bank and to avoid these type of check cashing issues in the future? Respectfully submitted for review.
03/04/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OR 97229	Web
I had just closed on a mortgage for my primary residence with Union Bank at the end of XXXX / beginning of XXXX and started working with them for a refinance transaction for an investment property on XX/XX/XXXX. I was quoted by XXXX XXXX over email that closing costs would be roughly 4k on on $ XXXX 75 % = {$150000.00}, PI {$760.00} 3.875 % 1.250 pts. I asked XXXX and his assistant XXXX to proceed with the transaction. XXXX responded on XX/XX/XXXX with this : " Ok, I will forward a online app invite to you, the same you filled out for your purchase. Its easy. '' I filled out the application and proceeded to provide all required documents to XXXX and XXXX. On XX/XX/XXXX I received a loan estimate that showed the closing cost of {$7300.00} instead of ~ {$4000.00} that was quoted to me. This is all documented in email. XXXX said that was a misquote and he will work with management to get a rate exception While the issue with the rate was going on, I was told that the appraisal has been ordered ... and I was contacted by the appraiser who completed the appraisal in XXXX. As I was getting worried that the transaction is not proceeding as per normal i kept asking XXXX about progress and was always reassured that its proceeding per usual and that refinances are just taking a long time at the bank right now. But in the middle of XXXX i was told by XXXX that my application was cancelled since I did not pay the application fees. NO ONE EVER ASKED ME FOR AN APPLICATION FEES. At this point, XXXX said we need to re-start the process. XXXX called and collected {$550.00} application fees and my loan was submitted for underwriting around XX/XX/XXXX and a new appraisal was ordered. After getting the run around from underwriting for a month and still no progress till XXXX, i decided to go with XXXX XXXX for this transaction. I am asking for action to be taken against Union Bank and for my {$550.00} application fees to be refunded in full
09/03/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	CA 92337	Web
I went to Union Bank the XXXX XXXX XXXX XXXX location I was racially profiled by two employees XXXX XXXX Branch Service and Sales Officer I and the other representative refused to give me her information I presented my work check to them and Immediately I was told my check looks suspicious the rep called XXXX XXXX over to assist and he conducted another inspection from there he said it was fine and started to cash my check from and he said he was gon na charge me {$10.00} to cash my check so I asked why I just cashed a check at the riverside branch and I wasnt charge {$10.00} from there he stated those are his requirements to cash a check at his branch from there XXXX XXXX got upset from the questions I was asking and refused to cash my check he handed it back to me along with my license and told me to leave once I got to my car I called the customer service number for Union Bank and filed a complaint from there the representative reassured me the complaint will be address and told me to go to another location and said I will not be a issue at the other location moving forward from there I drove to the XXXX XXXX XXXX and was assisted by XXXX XXXX Assistant Branch Manager and XXXX XXXX Branch Service & Sales Officer and received horrible service I was told my check was already cashed they refused to give the location are any information concerning my check I was told to contact my job and they will speak with them and match the check numbers on the check to see if it was cashed on there end at XXXX XXXX XXXX XXXX the representative spoke with them and still refused to cash my check and said I must contact the fraud department or have my job reissue a new check but the whole day I was racially profiled I contacted union bank customer service again and filed another complaint this time I was yelled at from both representatives at the XXXX XXXX location and told my check was cashed and treated like a criminal once again
01/17/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92111	Web
Against Union Bank of XXXX I have had a business account with them since at least XXXX. Unfortunately, Union Bank allowed 5 unauthorized withdrawals from my account. The first one was for XXXX cents on XXXX XXXX. The other unauthorized withdrawals took place as follows : XX/XX/XXXX for {$13000.00} ; XX/XX/XXXX for # XXXX & on XX/XX/XXXX for {>= $1,000,000}. I first found out about these unauthorized withdrawals on XX/XX/XXXX when the bank called me to tell me that I was overdrawn. I knew that was impossible so I called customer service. They proceeded to tell me about the withdrawls. They further told me that I had to go in person to the bank to file a claim. I went into the bank that same day and filed the claim. I also provided them with a letter stating that all those withdrawals were unauthorized. On or about XX/XX/XXXX the bank notitifed that they were denying my claim on the basis that they were told by the company that I signed an authorization. I told the bank that this was NOT true and to send me a copy of the authorization. Nonetheless, besides me not signing any authorization there are several problems with that story. First of all, assuming arguendo, that I did sign an authorization ( which I didn't ) why did the bank allow the funds to be removed without first seeing the authorization. Secondly, if they had a signed authorization why did they first have to test the withdrawal from account for XXXX cents. Lastly, and the most important, the withdrawal was allegedly for a collection account for an LLC. I have NEVER been an LLC. My account is solely in my name. Thus, the bank allowed someone to withdraw funds from an account that was and is NOT under my name. Despite this, they refuse to reimburse me the money. This is wrong. They should immediately reimburse me the money that was wrongfully taken from my account, that the bank wrongfully allowed.
06/16/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 923XX	Web
My Name is XXXX XXXX, and I have been trying to get a loan modification plan with Union Bank. My wife XXXX XXXX lost her job back before XX/XX/XXXX, and we were unable to pay. Right then we kept in close contact with the lender Union Bank for a loan modification to catch up on our payments. Right from that point we were told they could not accept our income and we could not understand why. Fast forward to XXXX we re applied again sending all the proper documentation they needed to get our file done in a timely manner, even taking time off my work to send faxes and gather the documents. XXXX XXXX the Underwriter over my file spoke to me since the other representatives were unable to give us an answer as to why we are being decriminiated against on our income. XXXX XXXX then went forward and stated to resend documentation of income during the Covid19 pandemic, and we did so. A few weeks later again they descriminiated against my income since I work both in the state of XXXX, and XXXX. She stated that the income willnot be accepted. We do not know why this income is nit acceptable when the income is valid. My wife started a new job and also presented her income offer letter and this was still not accepted. XXXX XXXX keeps stating we do not live in the home, in which we do live there. I work in and out of the state and own NO OTHER PROPERTIES. We love our home and we live in our home, and we just need assistance with getting a loan modification to save our home. XXXX XXXX told us that our home will go to foreclosure XX/XX/XXXX. We sent XXXX XXXX a full breakdown on the funds we have to come in with to start the process and still she denied us based on the fact I work both in and out of XXXX. This is desparate treatment and overt descrimination against my income, and I need help. Please Help us we want to save our home.
02/25/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 93422	Web
On XX/XX/2022 my UnionBank debit card was hacked by a foreign fraud organization and an amount of {XXXX} was transferred to a XXXX XXXX via a money transfer service called XXXX. I had not authorized this transaction and just by sheer luck, happened to check my account shortly after it occurred. I immediately called the bank help line and discovered that it no longer functioned 24 hours a day, as it had before being acquired by XXXX XXXX. ( Generally, following this merger, services have suffered greatly and fees have been rampant! ) As a result, I was unable to put in a charge dispute till the following day. When I finally was able to open a charge dispute, I was told that there would be a 10 to 20 BUSINESS day investigation period at the end of which I would get a response via email detailing the results of their investigation. And so I waited. After a full 21 business days had elapsed without a response I called the dispute response department and was informed that no investigation had ever been opened or was lost. I was told I would have to open a new one and that I would have to wait an additional 10-20 business days for an an investigation to take place. This amounts to a dog ate my homework response, which in my experience is typical with stoned teenagers and giant fascist corporations such as XXXXXXXX XXXX ( Truth be told, I would trust a stoned teen before XXXX XXXX with my money. ) What I would love to see happen is for XXXXXXXX XXXX to be put out of business through strangling fines and draconian regulations. I realize this is unlikely. I insist, however, that you investigate this and give them some legal pain that will cost them significantly more in lawyer billable hours than the small sum that was stolen from my account as punishment for their XXXX response to my complaint.
01/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 94546	Web
1, I have not been used Union Bank credit cards for a few years, and both were stored in my personal and safe place at home. 2, I got an email from Union Bank for payment, I had to log in to Union bank credit card account, I found that a purchase with {$34.00} was made on XX/XX/XXXX, but I never know about that. 3, I tried to call Union bank credit card Fraud management Services, and leave many messages for them, but no one responded to me, even though they promise to call back within 24 business hours in the voice messages. 4, To void the late payment charge and keep my good credit score, I have to make the payment by the due date. 5, I got a letter from XXXX, Fraud Management Services, the date on the letter is XX/XX/XXXX, it mentions that they already post a credit of {$34.00} to my account and my claim was resolved. 6, I was very surprised by that, it was my payment, not your credit. I tried to call Fraud Management Service and left messages many times about that, NO ONE RESPOND TO ME. 7, I had to write a letter to explain that it was my payment and provide the XXXX XXXX money transfer record to prove it was my payment. I sent out the letter with a bank transfer proof to Union Bank Fraud Management Service on XX/XX/XXXX XXXX, I got a letter from Fraud Management Service which dated XX/XX/XXXX on the letter, it mentions that Thank you for contacting us about the Union Bank credit card account referenced above, we are reaching out to let you know that a review of this account is underway, and if additional information is needed, we will contact you. 9, I got another letter from XXXX, Fraud Management Service, which dated XX/XX/XXXX it still considers that was union bank credit and posted to my account, so they consider my claim resolved.
05/02/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA XXXXX	Web
I want to find out why this is like this at XXXX and no other bank, I've asked a teller and they couldn't give any answer. Each month I put money into my checking account with my mortgage company to pay the bill. I used to put a check in, but they would most of the time put a 3-day hold on the check ( excluding weekends, so sometimes 5 days ), and then they would take an extra day to " pay themselves ''. I don't understand the 3-day hold+ delay in paying themselve since they take the money out of my other account within hours the same day. So, I started taking cash from my other bank account and depositing to avoid their holds on my money. But it appears, they still delay applying the payment to my mortgage which is with them. For example : I deposited cash on XX/XX/22 and paid the mortgage on XX/XX/22 and this was before noon on XX/XX/22. They did not " send '' my payment to themselves until XX/XX/22. As of today XX/XX/22, the payment still has not been applied to my account, for the payment due XX/XX/22. I'm just wanting to know why a bank is doing this. I am paying the same bank that has my mortgage. When I originally set up the mortgage, they told me I had to do the payments through a checking account with them or they would charge me more and that also it would instantly process the payment and avoid issue. However, that is clearly not what has happened. Oh, and I am not able to deposit my payment directly into my mortgage account. I have to put it in checking and then pay them and allow them to do this delay. I even use their online banking to make the payment. Why can't I just make a payment directly into the mortgage online? No other bank I deal with does this. So I'm just trying to understand why this is allowed..
07/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 92211	Web
On XX/XX/XXXX I received a text alert that a transaction had been made on my account for {$790.00}. I called XXXX and XXXX XXXX ( XXXX # XXXX ) and explained that I got an alert. XXXX said " don't worry I don't see a transaction on your acct so likely it's nothing '' A few minutes after hanging up I signed into my CC online and see a transaction referenced above. I called back and XXXX cancelled the card and issued a new card. He further said the transaction would be referred for investigation and taken off my account. On XXXX a new card arrived and I followed the instruction to set up online. When I log in I can see a new charge on XXXX for the same merchant and same XXXX amount. I called and spoke with XXXX on XXXX. She said " its confusing, but that is the reversal of the XXXX charge and with in 24 hours they will XXXX out. On XX/XX/XXXX I signed in and see that the two XXXX transaction are gone, but a new change on XXXX for XXXX has appeared. I called and spoke with XXXX. XXXX tells me not to worry that the charge is the original charge and I should just ignore it. I explained that makes no sense as the transaction date is XXXX and in a different amount and was posted on an account that as closed four days earlier. She hung up on me. I called back and spoke with XXXX ( Ref # XXXX ). XXXX at least appeared knowledgeable and she explained that it was odd that a transaction would approve on a closed account. She would escalate this issue as she has worked at XXXX for a long time and has never seen a transaction approve, once an account is closed from reported fraudulent activity. I explained that I have no trust in Union Bank as this whole experience is a nightmare compounded by Union Bank 's inability to do their job!
11/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA XXXXX	Web
To Whom It May Concern, I am a long time Union Bank customer for my personal banking and home mortgage. Responding to a promotion for a Union Bank credit card I applied and was given a card in XXXX that I used for 3 years. I paid that card off on XX/XX/XXXX but ended up with a XXXX XXXX of {$4200.00} because of a cancelled vacation. I requested the balance be deposited into my bank account on XX/XX/XXXX. I was told they only issues checks for over payments unlike every other credit card company I have ever used ( XXXX XXXX, XXXX, XXXX, XXXX ). A check was apparently sent on XX/XX/XXXX. I called on XX/XX/XXXX because I had not received the check after the allocated XXXX business days. I was told to wait. I called again on XX/XX/XXXX and was told they would send a " ticket '' to have an expedited check rushed and it would arrive in XXXX business days. I called on XX/XX/XXXX because I still had not received a check and spoke to a supervisor who said he couldn't do anything more than what the prior rep had done and send a ticket requesting a new check. He said they don't send anything rush. I still have not received a check. I called today and the rep said a check was sent on XX/XX/XXXX and should arrive in XXXX business days. That would be over a week from my talking with the supervisor and two weeks after I spoke to the rep who said they would rush a new check to me. Not to mention 7 weeks since I first requested the check. It is fraudulent for a bank to not return money due to me. There is no tracking, no direct deposit and no service to rush the payment. My impression is that Union Bank is holding on to my money for their own profit and disregarding my request to return it. This is theft. Thank you.
07/21/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 95355	Web
On XX/XX/2022 I showed up at the branch located at UNION BANK XXXX XXXX XXXX XXXX, CA. XXXX. I had an appointment scheduled at XXXX XXXX, I arrived at XXXX XXXX When I sat with the personal banker, she began the process of opening an account. I provided all forms of Identification and a name change decree, provided by XXXX XXXX XXXX. The representative refused to open the account in my LEGAL name because my new Identification cards had not arrived in the mail. I continued to ask her to please refer to the legal document and use my legal and birth name. I even offered to show her my birth certificate which matched the name change decree, but she continued to refuse. I agreed to open the checking and savings account in my former last name. About 30 minutes later, she informed me that she was unable to open the account. I asked her why and her response was, " I don't know, it just denied it. '' I continued to ask her to provide me with a reason as to why I was denied and she refused. I left the bank and called my lawyer. He informed me that they are legally required to tell me what is preventing the account from opening. I returned to the bank and requested another representative tell me why I couldn't be approved. She refused to tell me as well. She handed me a paper with the XXXX phone number on it and suggested I call. I explained to her that I had already called them and couldn't find any information as to why I was denied. I asked to speak to a supervisor and she said there were none in the bank. I left.
06/04/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 902XX	Web
I have a perfect credit rating and have never been late on payments to any lender or any supplier. I started the search to refinance the mortgage on my home back in XXXX of last year, requesting approximately 30 % LTV. I contacted the Union Bank representative on XX/XX/2020. I spoke with XXXX XXXX who started a file for me and requested a large number of documents from banks and LLCs that provide my source of income. He also collected several XXXX dollars as processing fee. Over the course of the next 10 months, the bank continued to tell me that they are working on my loan. In the meantime, I had to refresh/update my bank and LLC financial documents a total of 4 times. They also asked me to bring a large amount of money to the bank ( about 1/2 the amount of the loan ) and I was forced to liquidate an asset to come up with that amount. Hundreds of emails later, I had no promise of a loan, and I have lost the opportunity to lock in the low rate that was available last year and Union Bank had promised. Finally, this week, close to 10 months later, I gave up trying! This has been a disappointing and time consuming process which will affect me financially, especially because the rates that were available last year are no longer available anywhere. Union Bank is not interested in lending. If they did, I would be their ideal borrower with great credit, steady income and with 30 % LTV. They should not wasting people 's time and should not be permitted to stay in the business of lending.
08/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91367	Web
I mailed my payment for the month of XXXX, 2022 and my payment was returned from the Post Office as ( RETURN TO SENDER, NOT DELIVERABLE AS ADDRESSED, UNABLE TO FORWARD ). I never paid attention to the letter as I thought it was some kind of junk mail, but after I realized that my check had not been cashed I immediately realized that it was the payment for my credit card. I immediately made the payment using Bill Pay from my checking account and called my credit card company ( Union Bank ) to report the problem. I explained the scenario to them and requested that they remove the 30 day late reporting from my credit report. I also offered to send them the returned mail from the post office but they assured me that they would remove the negative reading from my account. I called them back in a few days and they told me that they had already sent me the letter verifying the removal of the late payment. Since I did not want to wait for 30-60 days for the credit reporting agencies to remove the late payment I initiated a credit bureau dispute with the credit agencies myself. A few days later I got an email that the investigation was complete. As I checked the results I saw that the negative item was still present. I decided to call Union Bank again and this time I was advised that they had never told me that they would remove the late payment reporting and noted down the incident details to pass on to their management.
01/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	MI 49418	Web
On XXXX, I applied for a Union Bank Platinum Visa Credit Card, and received an immediate approval ( " Congratulations! Your application for the Non Rewards Card has been approved. You have been assigned a credit limit of {$10000.00} '' ). As part of the application, Union Bank asked if I " would like to request a Balance Transfer to your new Union Bank Credit Card '', which I agreed to. On that day, MUFG UNION BANK NA began reporting the new account to the credit agencies. On XXXX, I received a letter dated XXXX confirming that my " application has been approved. Your new card should arrive in the mail within the next seven business days ''. Also on XXXX, I received a new credit card. The account number ends in XXXX. I tried to activate my card online following the provided instructions, but the website would not let me due to an error. I called Union Bank for assistance, and I was informed that my account had been closed due to a suspicion of fraud linked with a balance transfer request. I was surprised by this for several reasons : 1. Union Bank had specifically advertised this credit card as having a " Low INTRO APR ON PURCHASES AND BALANCE TRANSFERS ''. 2. The balance transfer request submitted as part of the application process. 3. I received two confirmations that my application had been approved ( instantly after the application was submitted on XXXX, and in writing by a letter dated XXXX ).
11/20/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 90024	Web
Branch XXXX XXXX XXXX has illegally frozen a business entity of mine bank account of mine ACCNT # XXXX. Money is being held without my consent and being leveraged to pay for a personal debt. I've gone into the brand to handle this and they are claiming a personal account is negative and I need to pay the balance for the personal debt and can not have the money from a business account. It's illegal to hijack my business account which is a completely separate entity. You can not freeze my business account and its assets bc of a negative balance in a personal account. My entire livelihood is in jeopardy and I can not pay for any bills or survive. If the bank wants money from me personally they may file a civil suite or place in collections. They can not do so against a completely different entity. Limited liability companies, or LLCs, are considered separate legal entities, wholly apart from their owners. This means the owners are not personally liable for the businesss debts and obligations. Likewise, the business is not liable for the personal debts and obligations of the individual owners. They have blocked me from seeing any transactions or even accessing my accounts or viewing anything because of a personal debt. I'm filing a lawsuit and filing with the FBI for bank fraud on this XXXX if the business account is not released. Any civil matter with me personally may be handled separately
05/18/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 90804	Web
I opened a checking account with Union Bank on XX/XX/21 in a local branch and enrolled in a {$300.00} referral offer. The bonus offer requires to complete three direct deposits of {$500.00} or more OR spend {$1000.00} in total on a minimum of ten ( 10 ) purchases with the Union Bank Debit Card Mastercard. I confirm I have already completed both requirements and am waiting for bonus to hit in anytime. However, after almost 60 days of account opening, I received a notification from Union Bank that my login has been locked and my account will be closed on XX/XX/21 due to XXXX. At this moment, the locked login cause great inconvenience as I can not check my balance or download statements to find out my checking account number. Moreover, the date is interesting that after almost two months of account opening and deposit requirement are met, they all of a sudden decide to close my account, just right before they are due to credit me the bonus. I have never seen any bank closes account due to XXXX post-opening, and if there is such case closing account within one week after account opening makes more sense, but definitely not after two months. Therefore, I accept their decision to close my account but I request Union Bank to credit the {$300.00} bonus into my account before they end my relationship on XX/XX/21. I have to seek help on CFPB and hope this problem can be resolved properly. Thanks.
10/26/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	CA 92336	Web
I opened a bank account as a sole proprietor and after the account was opened I got an email from the branch manager demanding that I file for a new fictitious business name adding my suffix to the last name field on the state form. I explained that the state does now require the suffix and adding a suffix to the last name field is not a legal last name and is a crime ( Penal Code 115 California ). The branch manager insisted that I either falsify the records or they would close the bank account. Important to note is that before I even went into the branch, I explained the situation with the XXXX filing and went through a process to be pre-approved for the account. I never would have even went to the branch if I hadn't already been approved for the account so something is clearly off with this institution. It is unlawful as a consumer to falsify a public record, the bank is telling me they have numerous examples in their database of other clients who put that suffix in the last name field, so we are talking about falsification on a potentially massive scale. I told the bank to just close the account and send me a cashier 's check but I want this investigated. I have the email thread with the discussion to provide as evidence of them telling me to falsify and also the email thread where I was already pre-approved to open the account before I went into the branch.
09/01/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	CA 93436	Web
I applied for a HELOC with Union Bank CA and was denied based upon their discriminatory practices in calculating income of XXXX owned, XXXX XXXX The method used by the Union Bank underwriter was not consistent with fair lending practices, nor industry standards. Union also declined based upon inability to verify occupancy, which they determined by using a desk top appraisal and misinterpreting data in the tax returns. They provided no window for explanation and sent an automatic decline. When repeatedly asked for an explanation, after taking a hit on my credit report for the inquiry and wasting 3 weeks of my life that I'll never get back, they remained unresponsive. Union is EXTREMELY misleading regarding their lending criteria and gets you down the rabbit hole of applying, only to pepper you with ridiculous and extensive questions over name typos on your credit report, yet performs a scant review of tax returns, does not review any other schedules other than schedule c, is not knowledgeable on tax return analysis, which results in a completely inaccurate result and then flatly denies based upon completely erroneous results. As a sXXXX XXXX, I felt disregarded and the underwriter provided zero input. The initial loam officer didn't even have the decency to call and answer questions, simply auto replies and computer generated messages from their automated system.
04/25/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92335	Web
XXXX Bank did not credit these charges as discussed and most of them were unseen : {$250.00} on XX/XX/XXXX for USPS ; {$21.00} on XX/XX/XXXX for XXXX XXXX ; {$53.00} on XX/XX/XXXX for XXXX XXXX XXXX ; {$180.00} on XX/XX/XXXX for XXXX XXXX ; {$6.00}. on XX/XX/XXXX for Deposited item-this was credited-other placed stop not me ; {$57.00} on XX/XX/XXXX for XX/XX/XXXX ; {$350.00} on XX/XX/XXXX for XX/XX/XXXX ; {$180.00} on XX/XX/XXXX for XX/XX/XXXX; {$240.00} on XX/XX/XXXX for XXXX XXXX ; {$150.00} on XX/XX/XXXX for XXXX XXXX ; {$140.00} on XX/XX/XXXX for XXXX ; {$41.00} XXXX XX/XX/XXXX for XXXX XXXX ; {$320.00} on XX/XX/XXXX for XXXX ; {$100.00} XXXX XX/XX/XXXX for XXXX ; {$370.00} XXXX XX/XX/XXXX for XX/XX/XXXX; {$330.00} on XX/XX/XXXX for XXXX XXXX ; {$180.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$38.00} on XX/XX/XXXX for XX/XX/XXXX ; {$170.00} XXXX XX/XX/XXXX for XXXX ; {$40.00} XXXX XX/XX/XXXX for XXXX ; {$29.00} XXXX XX/XX/XXXX for XXXX ; {$590.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$240.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$20.00} XXXX XX/XX/XXXX for XX/XX/XXXX; {$160.00} XXXX XX/XX/XXXX for XXXX & XXXX ; {$120.00} on XX/XX/XXXX for XX/XX/XXXX ; {$100.00} on XX/XX/XXXX for XXXX ; {$14.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$57.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$100.00} on XX/XX/XXXX for USPS ; and {$41.00} on XX/XX/XXXX for XXXX XXXX Please mail XXXX XXXX me.
04/06/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91754	Web
Back in XX/XX/XXXX when I submitted my Intent to Proceed on submitting a mortgage application to Union Bank, it was made only after seeing the Union Bank Mortgage XXXX XXXX flyer online that advertises a top Rate Discount of the 0.50 % for combined balances over $ XXXX. ( It was only since this advertised rate discount matches what I was and am still being offered by XXXX XXXX, that I decided to pay the application fee and submit an Intent to Proceed to Union Bank. As I had already submitted an Intent to Proceed to XXXX XXXX. ) In fact, this Union Bank advertisement is still posted on Union Bank 's website today, XX/XX/XXXX, https : XXXX is the first, top search result if you XXXX " union bank relationship discount ''. Given that thisflyer advertisement is still posted on Union Bank 's website today, and is without an expiration date and is freely open and accessible to the general public, I'd ask Union Bank to reconsider and honor this posted Rate Discount for my home mortgage loan, including the maximum Rate Discount of 0.50 % for transferring $ XXXX to Union Bank XXXX and all subsequent pricing tiers listed on the flyer ). I've instead been informed that these discount pricing rates expired in XXXXXXXX XXXX XXXX, as Union Bank 's current Relationship Pricing rate discounts range from 0.125 % to 0.25 % less than the current online advertised flyer.
06/09/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 857XX	Web
My original mortgage lender ( XXXX XXXX XXXX ) that I was using sold my mortgage to another institution who currently is Union Bank XXXX XXXX XXXX XXXX, WA XXXX. I was having both taxes and insurance being placed in escrow so the mortgage company can pay these on my behalf. I found out through my insurance agent at XXXX XXXX that my homeowners policy was lapsed and I did not have coverage from XX/XX/XXXX to XX/XX/XXXX due to non-payment. I then called the service center of Union Bank in XX/XX/XXXXto explain that this was to be paid by Union Bank and that they were the new service owner of my mortgage and had an obligation to make this payment. They told me that they were going to look into this issue and that they were to pay XXXX XXXX. I was later told by my XXXX agent that due to the length of time of the lapse that they had to write a new policy for my home. I explained to Union Bank after calling them a second time that it was their fault that my insurance lapse as they were trying to have me pay lender placed hazard insurance. I spoke to a supervisor named XXXX ( Direct phone number XXXX ) in XX/XX/XXXX and she stated that she would be sending this issue to support research and I would get a call from Union Bank in a week. This never happened and I received a bill in the mail from them dated XX/XX/XXXX. I have attached this recent Bill.
08/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 900XX	Web	Older American, Servicemember
How did this happen? Let me start on XX/XX/2022. On that date, I called the credit card payment phone number to make a payment on the XXXX card during which I received a payment confirmation number : XXXX. On XX/XX/2022, I called the payment center again to make a payment on the XXXX card. This time I was transferred to a male agent and told him that I was making a payment of {$120.00} on card ending in XXXX whose due date was XX/XX/2022. The agent processed the payment but I did not receive a confirmation number as before. I ended the call believing my payment had been properly made. On XX/XX/2022, I received a letter the Collections Department claiming that my account XXXX was past due. I had had not looked at my new statement at that time so I was unaware of the discrepancy. My statement for the XXXX card showed that the {$120.00} payment was placed on that card and not on the XXXX card as I had instructed the agent to do. I called the Online Service Center that day and talked to a female agent and explained what had happened to my account and requested that she correct the incompetence of the previous agent. She told me that she could not correct the error but that she would notify the appropriate department about the mix-up. To this date, I have heard nothing about correcting the mistake which I believe should be very simple to do.
01/06/2023	Yes	Checking or savings account Other banking product or service	Opening an account Didn't receive terms that were advertised	CA 90017	Web
I signed up with a Business checking account on XX/XX/XXXX with XXXX XXXX under the Union Bank {$300.00} Checking Bonus flyer that I received in the mail. It was to complete XXXX transactions and make a direct deposit into your business checking account. I first checked in on the XX/XX/XXXX by email and XXXX called me to let me know that he was checking in on it and would follow-up. I didn't hear anything back and followed-up by email on XX/XX/XXXX and he let me know that the promo was 60 days instead of the original 90 days he told me. We went back and forth and said that he would reach to the back end to see if they would approve since he did have the original flyer in his possession. XX/XX/XXXX He called to let me know that it was approved. I waited and followed-up several times by email with no response. I went into the bank and was told that XXXX no longer worked there and was given a phone number to contact XXXX, the assistant XXXX XXXX. I called XXXX and he said that he had to check with the the back office to check with the status. XX/XX/XXXX I was told that it had been approved and I was to send over banking information for the bonus to be deposited into my account. I never received it and kept getting delayed responses. I made sure I followed every instruction that was given and I am still waiting and it's been over a year.
09/30/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	CA 93619	Web	Older American
I first met XXXX XXXX on a social meeting site, XX/XX/XXXX Thursday, user handle name XXXX She immediately asked what I did for a living, I asked the same question, which she replied back stating being an XXXX of a cosmetic shop, a XXXX to modeling companies, makeup goods She was born in XXXX, moved to the XXXX when XXXX XXXX XXXX, her father is from Florida, her mom from XXXX She asked if I rent a place to live or do I own a residence I asked if we could meet for lunch and a movie She replied back that she was in Kansas to acquire goods from the clearing agent from XXXX and supply a modeling company in Kansas She said she is a XXXX who works with XXXX XXXX in NY, which she acquired a contract with them to supply them with makeup artist cosmetics The large wire transfer payments were sent on XX/XX/XXXX and XX/XX/XXXX to purchase goods in order to fulfill 45 clients. These payment needed to be paid before receiving commission on the contract In return a commission payment she would receive once fulfilling a contract with the modeling company to supply cosmetic goods Smaller payments made thru paypal made were to workers she hired for logistics on the cosmetic supplies As my knowledge with communicating with XXXX, I still have not seen or received any payment back, I truly believe that a commission payment is non-existence
02/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	CA 94587	Web
Sometimes late XX/XX/2021 or early XX/XX/2021, XXXX XXXX from Union Bank XXXX XXXX, CA XXXX told me specifically, that if I were to open a Union Bank Freely Rewards Visa credit card AND have a balance transfer of at least {$1000.00}, I would receive a bonus of {$100.00} plus additional XXXX XXXX if I put the reward bonus back into my checking account. I kept waiting for the reward points to show up in my account for XXXX months, only to find out that I have been LIED TO by this person or institution. When I called today to both the branch office and the XXXX number in the back of the credit card, they told me that the promotion was only for customers that spend at least {$1000.00}, instead of doing a balance transfer of at least {$1000.00}. In fact, they blamed me for not reading those many pages of the disclosure provided, when I opened the account, instead of relying on the word of their associate. Yes, I could have read all those pages in detail, but in my past experience dealing with other financial institutions, words from the associates are always aligned with the promo. Apparently, that does not apply with Union Bank, where you can not trust the associates, and when you as customers become a victim, they will not right the issue and instead just to blame you for trusting bank 's associates.
01/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 94610	Web
I had a fraud on my credit card account back in XX/XX/XXXX. Called them to report. They closed the card but ended up waiving only part of the amount ( I think some of the fraudulent charge was still pending at the time ). So I ended up having literally {$5.00} on the account. I called again to notify that there is still fraud amount on the account. They have reopened investigation, allegedly. That was all happening in XXXX XXXX. I closed the account since because I don't want to deal with them anymore. In early XX/XX/XXXX I called to check on the status of the investigation. My call was transferred to debt collection. I was very surprised about that and clarified that the amount is fraudulent and I should not be on the debt collection list. They gave me the fraud department number and the extension of the agent on my case ( XXXX ). Over the last 3 weeks I have tried calling at least 10 times, left several voicemails. There has still been no response. Had I known, I would just paid that {$5.00}. But now it is too late ... My credit history is being impacted ( the score dropped by XXXX points already ) and fees are accumulating. I have spoken with the bank 's customer service but they had no option for me other than continuing to call the fraud department. I ran out of options.
01/24/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	CA 90501	Web
Our business account with Union Bank was closed due to an overdraft of {$150.00}. We are a a new business just starting out and are in the process of finishing our website to start conducting business and in the meantime attempted to connect our external checking accounts to our Union bank business account to keep our business account afloat with the appropriate balances to cover our domain fees, and web services fees until we began generating sales. We received online notices that our accounts werent allowed to be connected. To pay our overdraft fee, we attempted to deposit {$360.00} on Sunday XX/XX/2023 to pay the overdraft and have a balance and the funds were not accepted and thats when we realized our account was closed. We paid the overdraft fee on the closed account, but was unfortunately told that we were reported. It is unfair that banks can just report and close accounts when there are actual attempts from customers to resolve issues. We all as individuals and partners have active and good standings with our other banking institutions. We are now being held in a position to have our otherwise good standings questions when we attempt to open a new business account. We truly want to have this damaging notice/reporting cleared for a minor issue. Thank you so much
08/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 92618	Web
Three charges occurred on my credit card on XX/XX/XXXX, and XX/XX/2022, in the total amount of {$4500.00}. I reported the fraud 6 days after it occurred. XX/XX/2022 my account was credited the {$4500.00}. On XX/XX/2022, I was sent a letter stating that the company does not consider it fraud because a chip was used and put the charges back on my account. Now they are charging me interest and late fees on the fraudulent charges. I can not reach the fraud department of my credit card company and have left many messages. I went into the bank branch and I have asked for the case to be reopened. I have filed a case with my local police station who will sent the information to the two cities where the charges were made. The police department is City of XXXX, the case # is XXXX. I have now taken 2.5 days off of work and spend many hours on the phone, in the police department and bank. I know that if the credit card company looked at the recordings of people purchasing on those days, they would see who duplicated my chip. The police said that the companies do not have to provide me with this information. I have called both companies and neither has my name in their system as purchasing items or subscriptions. What can I do to expedite the investigation?
06/12/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 95825	Web	Servicemember
I found out that I have several accounts through Union Bank located at XXXX XXXX XXXX XXXX XXXX CA XXXX, and apparently these accounts are being managed by some appointed power of attorney designated to manage my accounts. In XXXX, XXXX XXXX opened an investment account, account number XXXX which seems to have been opened and closed after a year. I found this information out thru my income tax records at the franchise tax board and again through some financial documents I found at his house. According to FDIC I have several other accounts that are also shared with XXXX and his family members, but I am the sole owner of these accounts that are valued over 1.7 million in available balance. I have never received bank statements, cards associated to these multiple accounts nor have I had any communication about these opened accounts in my name. My name is XXXX XXXX XXXX, my ssn is XXXX and my date of birth is XX/XX/XXXX. I filed a police report for this situation with the local law enforcement. The report number is XXXX and the officer that took my report is Deputy XXXX. She can be reached at XXXX for further information. My contact information is XXXX. My email address is XXXX. Thanks
08/05/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	CA 91030	Web	Older American
In 2009, I obtained a " Flexequity '' credity line account from Union Bank in the amount of {$160000.00} secured by my residence in present residence in XXXX XXXX, California. The account consists of Draw Period and Repayment Period. Draw period is 120 months and the Repayment Period is 240 months. The variable interest for rate was 1.5 % plus XXXX XXXX index. At that time was 4.75 %. Late last year the account went into the Repayment period. Union Bank adjusted my monthly payment over {$1300.00} for a app. 10 % interest rate .I made many objections and asking to talk to a officer. they have ignored me for months.. Finally the supervisor of their department referred me to talk to a loan officer in XXXX. I made numerous calls and let messages. I also refer the situation to the supervisor who referred me. I was ignored for months again. Then I received the " Notice of Intent to Accelerate '' from last month. The secured Property is currently worth over {$600000.00}. When I obtained the Line, Union was in second position. I paid off the first mortgage last year. They are in first position now. They are in more secured position then before. flexequity
08/19/2020	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	CA 934XX	Web
On XX/XX/2020, my ex-husband of 4 years walked into a Union Bank in XXXX XXXX XXXX, California and fraudulently opened two accounts in my name without my permission. He opened these accounts in my married name, which I have not used for the past 4 years. Union Bank did not verify anything with me before opening these accounts. Today, on XX/XX/2020, I received an email about my " new account '' -- opened in a name I don't even use anymore -- saying that they received my Signature Card. How did they receive a signature card from me if I did not open this account? So I called the Customer Service line to close the account and Union Bank won't let me because I don't have the account number ( because I didn't open the account! ). Union Bank refuses to help me. This is fraud!!! ONLINE BANKING Confirmation for your new Union Bank account Dear XXXX : This is a confirmation that we have received your Signature Card for your new account ( s ) opened on XX/XX/2020. Thank You, Union Bank Questions? Call XXXX. Representatives are available Monday - Friday XXXX XXXX XXXX - XXXX XXXX. Pacific Time ) ; Saturday ( XXXX XXXX. - XXXX XXXX. Pacific Time )
01/21/2022	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	CO 80919	Web	Older American, Servicemember
My mom died XXXX XX/XX/XXXX. As executor/trustee, I personally went to Union Bank XXXX XXXX XX/XX/XXXX with trust documents, death certificates, etc and closed my mom/family trust 's three Union Bank accounts, walking out with three cashiers checks. I continued to get statements showing a small balance in one account that evidently was NOT closed at the time. I contacted the bank XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I've been reassured they are " looking into it '' and that the account will be closed. I received another statement XX/XX/XXXX, so sent another email to XXXX XXXX XXXX Union Bank contact ) asking that the account be closed and that a check for {$2.00} be sent to me along with a final statement showing the account is closed. I have had no response. On XXXX XX/XX/XXXX I received yet another statement showing the account remains open with {$2.00}. Union Bank has failed to be responsive to what I think is a simple matter of minimal monetary significance ( maybe that's the problem ). As executor, I can not close out the trust until all financial accounts are closed... I am stuck and appreciate any help you may offer.
02/04/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 92307	Web
On XXXX XXXX, 2022, I received a call from the bank stating there were fraudulent charges on my account they sent me emails from the bank for verification. The bank said they fixed the account. The next day my account was on hold and my money was gone. {$1800.00}, was wired to someone in Florida. The bank to file a claim and contact fraud department. I did just that. No response from anyone. I contacted the bank daily and went to the bank to get updates weekly. No one could tell me anything. On XX/XX/XXXX I contacted the fraud department and I found out my case was given to a whole new case worker without my knowledge. I was told that my money would not be returned and I would need to file a police report. The bank says I should have known that the person that called me on XXXX XXXX was not actually from the bank even though the caller ID matched the bank when they called, even though they sent me emails from the bank verifying it was them I was talking to. I filed the police report # XXXX. The police are investigating. Please help, I am facing eviction due to this set back. The {$1800.00} they stole was for my rent.
03/04/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA XXXXX	Web
I have 2 business accounts with Union Bank, XXXX CA branch. On XXXX XXXX I was about to pay some bills when I decided to check the balances on my accounts. I logged in only to find that on XX/XX/XXXX both of my accounts were closed. I called the branch but was only given a telephone number to call. They could NOT tell me why or who closed my bank accounts. I called the number I was given ( XXXX ) and a voicemail recording asked for my name, account number and phone number and they would get back to me within 2 business days after their investigation. It's XX/XX/XXXX and I have never been contacted by anyone at Union Bank. Not anyone from the branch, not anyone from that investigation unit - nobody. I have called the branch several times, I have called and left messages for the investigation unit - several times just today - NOTHING! Can they seize my funds like that and never contact me? It's now over a week since they closed my accounts and I never heard a thing from them. All of the contact has been initiated by me. When does the bank have a responsibility to contact me about my funds ( my money )?
01/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 971XX	Web
In XXXX of 2019, Union bank took money out of our escrow account in error to pay for an insurance policy for a condo in the same XXXX complex. When I was doing our taxes in XXXX I noticed the issue and contacted Union Bank for the first time. The disbursement out of our escrow account was {$540.00}. During this call I was told I would receive a follow up call. I have called six times over the past year. Every time I am told I would receive a follow up correspondence. Today I called again and was told they just released funds back into our escrow account. In no way should I have had to call six times to get back my own money that was taken out in error by union bank. I spent over 10 hours having to call and micromanage this. Some other system needs to be in place because they stole money from us and had no intention of putting it back had I not continued calling for nearly a year. No borrower should feel powerless when their escrow account is drained by their lender. Union bank should have refunded the total immediately upon realizing the error instead of my escrow account funding their own errors.
03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 93004	Web
I reported a case of fraud on my Union Bank credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a Union Bank investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. Union Bank should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at Union Bank. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from Union Bank, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. Union Bank has mishandled this entire matter from the beginning.
10/10/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 90019	Web	Older American
My bank Union Bank, charges a {$10.00} fee monthly fee if account falls below a certain amount. You can avoid that fee if you combine your accounts and they meet certain requirements. I combined my two checking accounts XXXX, account assessed, and XXXX. Usually their totals avoid the charge. Some times the totals don't, but another exception is if combined accounts have direct deposits of {$500.00} or more. My Social security is direct deposited monthly to account XXXX and it is over {$2000.00}. When I raised this with Union bank they credited my account for one fee ( thus admitting their error ), but would not for a XXXX charged fee. Basically it admits it was wrong, but will not go back 4 months to correct their illegal charge. {$10.00} is not going to kill me, but what concerns me is XXXX is probably ignoring this exceptions on other customers combined accounts as well and thus making $ XXXX of dollars every month in fees improperly assessed. They need to be called on their illegal game and I would also like my {$10.00} back. I'll drink to your health with it. XXXX
05/21/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	WA 98109	Web
On XX/XX/XXXX, I opened a Checking Account in branch with Union Bank. At the time of account opening, I took advantage of a {$300.00} " refer a friend '' promotion incentive. This promotion required three $ XXXX direct deposits or 10 debit card transactions totaling at least {$1000.00}. During the month of XXXX, I received three direct deposits of at least {$500.00}. Unfortunately, I received a letter in early XXXX ( dated XX/XX/XXXX ) that Union Bank would be closing my account XX/XX/XXXX. I've reached out repeatedly to Union Bank ( customer service, local branch manager, and the customer advocacy department ) in hopes of getting this issue resolved ; however, none of these individuals have been able to resolve this issue. As of today, Union Bank has still yet to pay my " refer a friend '' incentive and has not adjusted their decision to close my account on XX/XX/XXXX. This entire experience feels like such a bait and switch. I completed the bonus terms and then Union Bank decides to close my account vs. paying out to account incentive as promised at the time of opening.
12/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91326	Web
I previously notified your company that I am a victim of identity theft, and requested that you do the following : - Close the unauthorized account - Remove any charges on the unauthorized account, and - Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, XXXX and XXXX. I recently pulled a copy of my credit report on XX/XX/2021, and found that MUFG UNION BANK is still reporting this fraudulent information to my XXXX and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
03/28/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 902XX	Web	Older American
Union bank Visa card has been sending my statements to the wrong address knowingly and then charging late fees and high percentage even though they had my address they still sent to the wrong address for the last 7 months. I called every month I went to the bank and Mr XXXX XXXX of Union bank of XXXX XXXX knowingly gave them the wrong address as he is on the take of XXXX and XXXX XXXX who have illegally broken a trust and will of my father Mr XXXX XXXX and millions of dollars of mine.XXXX XXXX was / past my banker but he has broken law and he also changed ACH transfers to ATS on my bank statements at Union bank, he padded my bank account. Union bank of XXXX and the credit card need to have full furensic of accounts.Mr XXXX XXXX has knowingly broken law. Sending my statements to wrong address is illegal and XXXX XXXX is criminal who did this plus other illegal activities hes done. They can not charge late fees or interest when they have illegally sent my statements to the wrong address. This bank and branch needs to be looked into as so illegal.
07/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CO 816XX	Web
Union Bank sent me a letter on XX/XX/2019 notifying us of a change of billing address to a XXXXXXXX XXXX address. It stated " if this address is incorrect, please notify our office immediately at XXXX. '' I called immediately, and many times after that to get the address updated, but they never changed it. I was also unable to access my account online. It went to collections, but I had no way of verifying what of the charges on the account were mind, and no one would assist. Today I spoke with XXXX XXXX today at a collection agency ( XXXX XXXX. ) and tried explaiing this to him, and he stated he had no way of having me pay off the 'last balance ' that I felt I was responsible for before the fraudulent address change, and could only go by what Union Bank had sent to them. When I called Union Bank 1st, they were no help, and directed me to the collection department who then directed me to XXXX XXXX XXXX XXXX XXXX. I also tried to set up a payment plan, but XXXX was rude and condescending and told me the amount I suggested wasn't good enough.
12/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	FL 34771	Web	Older American
On XX/XX/2021 I applied for a Visa credit card from UnionBank of NY ( MUFG Union Bank N.A. ) using their online application process. The next day on XX/XX/2021 they pulled my credit information, so I know the application was in process. On XX/XX/2021 I called them to see what the status was. The Customer Service Rep I spoke to said she could not tell me anything from what she saw in the system. She further stated that I should receive something in the mail with in 7-10 business days from the application date. It is now XX/XX/2021 and I have not received any communication from them. I called their Credit Card Customer Service again on the XXXX, and they could not tell me anything. They suggested I call the branch near me. I looked up their branches and they are all on the west coast - CA, OR, WA. I called one in Oregon and they had not way to help and suggested I come into a branch. I live in Florida and that is not happening. By pulling my credit they have impacted my credit score and thereby affected my ability to get other credit.
11/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 92373	Web	Older American
I am a credit card holder from Union Bank, XXXX XXXX XXXXXXXX, XXXX, TX XXXX. I, In the last 5 years, I have made only one transaction in this account. It was in XX/XX/XXXX for a balance transfer. The balance of {$7200.00} in this transaction was paid in full on XX/XX/XXXX. I have not made any transaction since then and did not activate new cards which means my account was inactive since XXXX. The Union Bank 's statement of XX/XX/XXXX shows that the balance in my account was XXXX. However, in the statement of XX/XX/XXXX, the balance jumped to {$1100.00}. It shows that the Union Bank has allowed a fraudulent transaction to take place in my inactive account. I have written a letter dated XX/XX/XXXX to the bank about this fraudulent transaction but to date there is no response. Also, I called Union Bank on XX/XX/XXXX and spoke to XXXX. He assured me that he would forward my complaint to the fraud div. but to date there is no response. My credit score is XXXX and XXXX years of my credit history there is not a single missed payment.
03/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TN 37128	Web
Charges began XX/XX/XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX, OH XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, CA Late Fees, Interest Fees and OverLimit Fees. Union Bank contacted me to confirm the first charge. First charge and all charges there after were confirmed fraudulent, Union Bank then closed the account. Since that time, the card remains over the limit, fees continue to be charged and interest accruing. With each 30 days the account is reported delinquent to the credit bureaus, my credit score continues to drop drastically. I have contacted Union Bank with each letter that arrives in my mail box. Each time I speak first with the collections department, then am transferred over to card services where the representatives say they are re-opening the file. The file still continues to remain open and closed at the same time, no resolution, and my credit score continues to drop. I contacted XXXX, and they suggested the FTC complaint for fraud.
11/03/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	WA 98146	Web
On XX/XX/2022 Union Bank ( MUFG Union Bank ) improperly allowed an unknown and unauthorized person to withdraw {$27000.00} from our line of credit. The funds were withdrawn in person ( by unknown and unauthorized persons ) from a bank in California, where we have never been. The signatures this person provided did not match ours and identification was inadequately checked. Upon learning of this unauthorized withdrawal we immediately contacted the bank, and provided completed forms and details they requested. Despite several attempts to contact the bank to understand the status they inform us that the investigation will take " A while '' and while the investigation is underway, our account is still missing the this amount, accruing interest on said amount and our other funds are locked and inaccessible. The bank has not followed XXXX Liability of consumer for unauthorized transfers. with respect to this issue, as we are still out of pocket for funds the Bank inappropriately issued to an unauthorized, unknown party.
01/14/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA XXXXX	Web
To Whom It May Concern, I applied for forbearance in XX/XX/2020 due to the Corona Virus shutdown. My lender, Union Bank of California has been very understanding and easy to work with. I owe over {$50000.00} and have been approved for deferment. Moreover, I applied for the California Mortgage Relief Program and have submitted all necessary documents. The California Mortgage Relief Program will cover past-due mortgage payments in full through a grant of up to {$80000.00} per household. The money will go directly to a homeowners ' mortgage servicer. It's free to enroll and funds do not need to be repaid. My case qualifies for this grant and I have been in constant contact with the California Mortgage Relief Program. My lender, Union Bank of California has not signed up for the program. Please help me reach Union Bank 's higher management and ask them to join this program that was established to help mortgage holders, and lenders to take care of delinquent payments. Thank you very much. With best wishes, XXXX XXXX
04/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	WA 982XX	Web	Servicemember
An unauthorized charge was made on my Union Bank debit card with XXXX in the amount of {$1900.00}. I called XXXX and informed them. The representative asked if I had an account and I said no. He then asked for mu address and birthdate to verify that it was not I that placed the bet. I gave him that information. He said the bet would be placed on hold and someone would call back in 24 hours. I then called Union Bank and alerted them. The debit card was cancelled and a credit of {$1900.00} was placed back into my account. When Union Bank contacted XXXX the agent stated that it had my address and birthdate, thereby saying it was used in the transaction. By asking for my address and birthdate initially, the XXXX representative was not trying to verify if I had an account but rather to limit their liability of having to refund the {$1900.00} to Union Bank. I am out the money and they have my personal information. Union bank refuses to refund the {$1900.00} to me, even though they know I did not authorize the transaction.
12/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CA 93534	Web
Union Bank broke contract with me and stopped my access to the credit card I was paying on. I no longer have any access to any of the money I'm paying on the card. Since I no longer have a " product '' to use, I am refusing to pay for what I can't use. If the bank that services my mortgage came and threw me out of my house, that same bank should not expect me to continue making mortgage payments on a house I can no longer live in. With a credit card, it's the same difference. If I can't use the card, I'm not making payments. In a letter dated XX/XX/2022 sent out by priority mail with confirmation, I demanded that Union Bank cease and desist making any further contact with me regarding the card account ending in XXXX. Since this date, Union Bank representatives have violated the law by making further contact with me by phone and mail several times. Union Bank needs to face the fact that they made a big mistake and deal with the consequences of that mistake, and cease sending any letters regarding this case.
09/12/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	CA 90015	Web
On XX/XX/XXXX XXXX, I went to MUFG Union Bank XXXX Branch ( XXXX XXXX XXXX, XXXX, CA XXXX ) and using their ATM for a cash deposit. I counted my cash in the car for {$5000.00} with 50 of {$100.00} bills. I went to the ATM inserted my card, select deposit cash, the ATM states it can take up to XXXX bills, which is exactly the amount of bill. After the ATM received my cash, it immediately reported there's a technical issue and non of my money can be returned. It was after business hours and I tried every number that could contact Union Bank. What amazed me is Union Bank does not even have a 24/7 customer service. More stunning is the customer service does not accept phone calls on Sundays. I was helpless and standing at front of the ATM for a long time. They only offer 24 hours service to their " credit card users '' and the guy refused to assist me because I had a debit card and it was an ATM issue. I'm due for rent and car loan tomorrow. I can't even take the cash back and deposit to my other bank account
04/25/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	CA 90405	Web
Despite repeated attempts to comply with a request from Union Bank to name a Business Contracting Officer prior to their merger with XXXX XXXX, and despite our final, in-person attempt to satisfy this request with XXXX XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX Friday, XX/XX/XXXX, Union Bank still refuses to acknowledge that our account is in good standing and that our money will be moved over successfully through the intended merger. XXXX XXXX said he doesn't have access to any of our paperwork, but we've had a business account with this bank for more than 20 years. He asked us to fill out multiple forms, which we did, and is still unable to confirm that we have a Business Contracting Officer named on our account. Please investigate and DELAY this merger until the parties can get their records in proper, working order! Union Bank branches are poorly staffed. Employees have one leg out the door and are simply unwilling to accept responsibility for serving customers at this point.
08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95037	Web
MUFG Union Bank NA is reporting my mother 's credit information on her XXXX XXXX account with XXXXXXXX XXXX when I am only an " authorized user ''!!!. so far I know of it being reported to XXXX only... but I have not checked with the other credit reporting agencies. today ( XX/XX/2022 ) i called XXXXXXXX XXXX and the cust svc agent stated that the credit card account disclosures states that " authorized user '' will also be reported to credit agencies. strangely, I asked the agent to mail or email me the " disclosures '' which he said could not be done. why not sounds suspicious to me!! so I went to the bank branch in XXXX XXXX XXXX XXXX and got a copy of the " disclosures ''. in the disclosures it does NOT state authorized users would be reported to credit agencies! I am going to follow up with this complaint filing with a call and letter to MUF Union bank N.A. to immediately decease from reporting my mother 's MUF Union Bank visa account on my credit reports!!
09/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MD 21043	Web	Older American, Servicemember
I sent the police report, the date of the fraud, phone number of person pretending to be XXXX -rhey insisted that I owed them {$4000.00} after accessing my computer with a software program. I contacted the bank right away and they reversed my charges. Then, 3 months later they said that the charges were legitimate and I was responsible for the charges. I had purchased gift cards on my VISA credit card issued by XXXX. This vendor cashed these credit cards, so Union Bank VISA considered them legitimate. I have received nothing in writing that this has been resolved and only called the number of the Fraud Department in order to rectify the charges. Now, they say I owe the whole amount. It was Fraud and gave them the phone number that I contacted on and even called XXXX about the gift cards and they had all been cashed. My credit card with Union Banki # XXXX, would like this resolved and put the responsibilty on the fraudulent vendor.
06/29/2021	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	CA 91342	Web
XXXX is suggesting I owe student debt. The debt is from a private loan from Union Bank. This loan dates back to XXXX. I have not been a student in college since XXXX. When I attended college, it was a Junior College and I paid out of pocket. I explained to the customer service representative that these two accounts are fraud and I was a victim of identity theft as early as XXXX. Under the FCRA & Statute of Limitations, these fraudulent accounts should have been removed from record years ago. Instead, XXXX bought the fraudulent accounts and are harassing me in an effort to collect on bogus accounts. In explaining the situation to the customer service representative, I was clear that my police reports and FTC reports would be strong enough to show how my ID was stolen and personal information compromised. XXXX is wrong on so many levels with this matter. I will be speaking to a lawyer to have them outline my rights and recourse.
12/11/2022	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account	CA 92021	Web
I have been attempting to close my account since early XXXX. With Multiple calls and continued reasons why, this account can't be closed due to self-induced bank fees. First call, the representative said he would close the account, in which the account ATM card is no longer in service and can't transfer any reminding balance out of the account. Second call, the account went negative although there was a positive balance and the {$30.00} overdraft fees were waived. XXXX XXXX, the account was positive {$8.00} dollars but was over drawn due to Bank XXXX XXXX and explained to the representative. The account has overdrawn by {$11.00} dollars, Negative. Customer service refused XXXX ) Talk to a Manager 2 ) Request a call back from a manager 3 ) Talk to the Office of the President. There are no charges on this account. There is no autopay 's debiting. The Bank simply won't close the account until I pay their self-induced bank fees.
10/09/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 97520	Web	Older American
Union Bank assumed our loan from another bank last year. Twice the bank has tried to charge late fees on payments made through XXXX XXXX XXXX on line banking ... .funds sent by electronic means ... .not a check ... not in the mail ... Union Bank received funds on or before the XXXX of the month according to the loan agreement, and proven to be true with records from XXXX XXXX XXXXXXXX Twice they have sent out a past due notice dated that same day, the XXXX .They seem to not know that they already have payment on that same day and that it is on time. We have 10 real estate loans with 7 other lenders and have been paying on time for 20 years. .We pay most banks on our rental property by electronic means all on the XXXX Never any problems until now ..Union Bank is the only bank that we have encountered this issue ... .Union Bank seems to have a glitch in their system or they are trolling for fees not deserved.
10/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92040	Web
I have a home loan with Union bank. They contacted me for a refinance. My current rate is a XXXX. They offered a rate of XXXX. I filled out the paperwork. Most of this was online since COVID was going. Ive retired since I acquired the first loan and my income isnt as much as when I was working. They told me I didnt qualify, asked if someone could co-sign. I told them my son, but he doesnt make much money. We sent his info. The loan officer called and said everything looks good. He said I needed to show 6 months of reserve payments and pay a {$500.00} loan processing fee. I did both. About 3 weeks later I get a little letter in the mail, saying we didnt qualify and no loan. I called the loan officer and asked where my {$500.00} was He said it was non refundable. No one told me that and on the receipt it doesnt say that I asked to speak to his manager, was told he would call me later Never received a call back
10/09/2020	Yes	Checking or savings account Savings account	Closing an account Company closed your account	IL 60657	Web
Purepoint closed my online savings account on XX/XX/20 with no prior notification and without my permission. I received a phone call the prior week ( on XX/XX/20 ) from Purepoint asking me to call them back at their convenience. As I was traveling that week, I hadn't gotten the chance to call them back at the time of account closure. When I called Purepoint on XX/XX/20 to learn of the details of the account closure, they said my account was not in compliance with bank secrecy laws because they needed more information about the joint holder of the account ( my wife ). Purepoint says that they had reached out to my wife for further information ( emails and letters ) but she has no record of receiving either form of communication. As I see it, Purepoint gave us one week to call them back, which we didn't do in a timely manner, and promptly closed the account without further thought of ramifications.
06/25/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 91302	Web
Thank you in advance. Last year I opened a credit card with Union Bank. I know of one location on XXXX XXXX XXXX. in XXXX XXXX, California. In XXXX of 2020 I received a statement for the {$49.00} yearly fee. Since I no longer needed this card I called up to cancel the card on XX/XX/XXXX. This is way before the statement due date of XX/XX/XXXX. The following month I received another statement for same amount. This was on XX/XX/XXXX. They claim I still need to pay it, even though I cancelled the card. I asked to speak to a supervisor. They said one would call me back within 3 business days. That never happened so I called them today XX/XX/XXXX. I was able to speak to a supervisor named XXXX employee # XXXX. She said she would file a complaint on her end. I have no faith in this bank now. I feel I should not have to pay the yearly fee since I cancelled the card and will not be using it. Thank you.
03/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AL 366XX	Web
On XX/XX/XXXX XXXX fraudulently charged my credit card {$120.00}. I contacted my credit card company & asked that they reverse the charge on XX/XX/XXXX. To date no action has ever been taken by my credit card company to rectify the issue. Every time I have called I have been told there are zero updates on my case. It's been 5 weeks & I provided all of the necessary info. I returned a package to XXXX, and XXXX is claiming the package was not returned even though tracking proves it was returned & I have 2 emails from XXXX employees confirming the package was received. On my XXXX account page however the package showed as not being returned which is why I called XXXX to ask about that issue. They assured me I just needed to give it time to let the system update & the info would update on my account page. That never happened & instead XXXX charged me for the package that was returned.
03/27/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 90275	Web
I refinanced my 9 unit building and the escrow was closed on XX/XX/XXXX. The existing lender ( XXXX XXXX, CA ) wired the principal to the previous lender ( Union Bank ). The mortgage payment was set on " AUTO PAY '' with the Union Bank and they were not to withdraw the money for the Month of XXXX. Auto Pay is due on the XXXX of the month. Union Bank withdrew the mortgage on XX/XX/XXXX. I called Union Bank on XX/XX/XXXX @ XXXX ; XXXX and left message to reverse the withdrawal. I also called the local Union Bank representative ( XXXX ) and left message as to what had happened and need his help to resolve the matter. XXXX returned my call and told me to see how he can help? SINCE THEN I HAVE NOT HEARD FROM THE UNION BANK. My new payment is due on XX/XX/XXXX and I am out of {$4500.00}. I need help so that I can pay my bills on time. Have the UNION Bank reverse the charges ASAP.
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90620	Web
I XXXX XXXX XXXX am filing a complaint on XXXX for disclosing my information to multiple third parties such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who has put me and my wife on a strict checking account not allowing us to deposit anything from a mobile app or ATM, having very limited transfer abilities basically making me feel humiliated and embarrassed of the situation. They are in violation of : 15 US code 1681a # 2 A1 15 US code 1681a # 4 MUFG Union Bank is in violation of the Gramm Leech Bliley Act- they did not give me any opportunity to opt out from any information being disclosed, they also disclosed information without my consent to XXXX XXXX I have submitted a report from chexsystems with all the information. This situation has caused me much damage financially, not allowing me to open a bank account so i could acquire a vehicle loan for me and my family.
04/07/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	CA 92025	Web
Around XX/XX/XXXX, I applied for a HELOC with Union Bank. They told me that they felt my house would appraise for the amount I requested and that it should close within 30 days. At the same time, I applied for the same HELOC with another lender to see which institution could provide better terms. Union Bank 's process was difficult and there were long wait times between communication points. The person that I was assigned to said she didn't receive voicemails and emails that I and her co-workers sent her. The appraisal that Union Bank ordered came in and it was not sufficient for the amount we needed. The appraisal from the other lender came in much higher and that lender was able to help us with the amount we needed. The other lender asked us to provide written confirmation of cancellation. I requested this with 3 people at Union Bank and did not receive it.
06/04/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 92260	Web
Union Bank Credit Card ( Card ending in XXXX ) I used their Promo Balance transfer option. " Enjoy 0 % Promo APR on Balance transfer through XX/XX/XXXX '' ( 3 % fee ) I transferred {$8000.00} into my account and paid the {$240.00} fee. Total amount of {$8200.00}. Transfer on XX/XX/XXXX. Since I had 0 % interest till XX/XX/XXXX, I set up automatic Minimum payments on that account, but on the first payment, Union Bank took the total Balances of XXXX XXXX out of my XXXX XXXX XXXX account. So they basically made the {$240.00} fee for them self. The {$8000.00} was in my bank for about 2 1/2 weeks. I called them several times and basically just got the " Run-around ''. Like saying someone is gon na look at it and contact me etc. Never got a call back. I called them like 5 times in a 10 day period. They just cashed in the {$240.00} and ran!!!!!!!!
03/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 92065	Web	Servicemember
XX/XX/2012, while I was XXXX to XXXX I attempted to close a joint account at Union Bank of California, I paid what I owed and had a XXXX balance, I called to cancel my account and the bank told me I had to walk in to their bank and close, I told them I was unable to and they told me I would incur a XXXX dollar charge a month to keep the account open, I told them I refuse to pay and to close the account and they told me no, 6 months pass they finally close the account and charged me XXXX dollars to keep the account open for that period, they harassed me by phone and sent delinquent letters finally selling my account to a credit collector who harassed me some more, this company has refreshed my file just recently and now 8 years later union bank is reporting me as still delinquent and the account as current charge off ... .seriously is this legal?
11/09/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 93536	Web
We are in process of refinancing our loan with a new lender. Our new lender requested the payoff quote from XXXX XXXX several times via, email, fax and phone from XX/XX/XXXX - XX/XX/2020. On XX/XX/XXXX they enlisted my help due to non-response from our lender and I called twice trying to get payoff information. MUFG was uncooperative. They would not provide me with the payoff request, even though I am the borrower. After speaking with managers and supervisors the payoff request was finally send to the new lender. However, due to the delays on the part of MUFG, we came up on the deadline of our rate lock and the extension ended up costing us an additional {$720.00}. This was entirely on the blame of MUFG as they waiting nearly 2 weeks to get us the requesting information and we have everything else lined up and ready to go to underwriting.
07/06/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OR 97217	Web	Older American
Around XX/XX/XXXX I notified my Mortgage holder that the Property address on my Mortgage Statement was incorrect. I've been corresponding with them ongoing concerning the correction that's needed. They went back & fourth for months through XXXX changing the mailing address! Finally they realized after much paperwork, it was the property address & also the Deed of Trust was written & documented wrong! XXXX XXXX & now it's XXXX I'm still getting the run around. XX/XX/2020 they sent me a generated letter after my writing a long letter to them about my concerns of why this correction is taking so long. I've sent them documented proof from XXXX County, the tax statement which has the property address on it & still this generated letter states there reviewing it. I'm so frustrated with this can you please help me? Thanks
10/19/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 94609	Web
On XX/XX/2020 I opened a billing dispute with Union Bank against a merchant who refused to issue a refund for selling me a brand new washing machine that arrived broken. I tried for over six weeks to resolve the issue with the merchant on my own and only after they stopped all the communication I filed the chargeback. Under the consumer protection act, the onus is on my bank to get the money back if I can't get a refund. The broken washing machine is made available for pickup. The merchant was contacted by me numerous times, and the merchants failure to respond was submitted in my detailed letter to the bank to help with a chargeback filing documentation. The bank refused to help by stating that they do now get involved in these types of disputes.
12/20/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10022	Web
Ive been a mortgage customer at Union Bank for many years. Earlier this year I refinanced within Union Bank under lower percentage. My payments are automatically administered by the XXXX XXXX XXXX monthly. As it happens, Union Bank issues new account number for me, but the payments were going to the old account and I wasnt made aware of it. As a result there is a late fee of {$250.00}, again, I wasnt aware of. I sold my house few weeks ago and only then discovered that late fee. The Union Bank customer service supervisor apologized for a mishap of ever assigning me a new account and reversed their late fees. Well, as that late fee was included in the closing cost, the bank never issued the check, that is due to me.
06/14/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92704	Web
Hi My name is XXXX XXXX. My bank is XXXX XXXX. My XXXX XXXX. On XXXX XX/XX/2022 I order an wire fund to a company XXXX XXXX XXXX with a XXXX XXXX account XXXX. But money end up in XXXX XXXX XXXX. I tried without success to recover money. They take more 10 days to investigate. They sent me report on XXXX XX/XX/2022 Finally, banker told me I can not get money back on XX/XX/XXXX XXXX. XXXX XXXX said that : XXXX is owner of XXXX. So that money goto right company which is not true. Attached are 3 files : 1. my order. 2. screen shot of wire trans detail in my account via web-site. 3. investigate report from XXXX XXXX 4. emal from XXXX XXXX Thanks for your help Regards XXXX XXXX Email : XXXX Cell phone : XXXX
09/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90660	Web
XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. MUFG Union Bank NA have violated many laws. Section 605, Section 605A, Section 605B.
10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92683	Web
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and MUFG Union Bank. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is MUFG Union Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
09/26/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92056	Web
XX/XX/2020 Credit Card dispute faxed to Union Bank Dispute Operations in the amount of {$250.00}. Investigation Completed determined claim valid letter from Union Bank stating {$250.00} was credited to my account on XX/XX/2020. No funds received to date. Contacted bank XX/XX/2020 agent stated would make ticket. Contacted bank again XX/XX/2020 no notes or entries about my claim credit. Told to contact dispute operations again. Received billing statement XX/XX/2020 balance states {$250.00} with min payment of {$40.00} due by XX/XX/2020 and no statement of payment of amount of dispute is not required. Submitted written letter about continuing error on statement XX/XX/2020
04/18/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 93940	Web	Older American
I opened a checking account at Union Bank in XXXX XXXX California. I deposited. a check the following week. A week after that I went in to get money as was told they would not release the funds for XXXX days. I don't remember XXXX XXXX telling me that it was bank policy of the bank to hold a check for a month, I checked all of the collateral that she gave me and there is nothing there stating the monthly hold. In fact they say they take about a week to turn around checks.The manger XXXX XXXX would not help me with my pin or even listen to me. I swore at him and he called the police. I was told that if I entered the bank I would be arrested for trespassing.
09/02/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90034	Web
Hello, I need to dispute 4 charges made with my debit card ending in XXXX. The seller never sent the items, never provided any kind of delivery information or tracking number, also never answered the emails and phone calls 1 : XX/XX/XXXX : XXXX, It was a XXXX XXXX XXXX XXXX. Expected delivery date XX/XX/XXXX XXXX : XX/XX/XXXX : XXXX, It was a XXXX XXXX XXXXXXXX XXXX XXXX. Expected delivery date XX/XX/XXXX XXXX : XX/XX/XXXX : XXXX, It was a XXXX XXXXXXXX XXXX. Expected delivery date XX/XX/XXXX XXXX : XX/XX/XXXX : XXXX, it was a XXXX XXXXXXXX XXXX XXXX XXXX. Expected delivery date XX/XX/XXXX Until now I have not received the merchandise from the seller.
03/24/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	WA 98125	Web
I have a 40 year ARM that adjusts yearly. On XX/XX/XXXX, I exercised a one time option to fix my loan at the current rate without the need to refinance. Per the " Adjustable Rate Mortgage Disclosure Notice '' I requested this option on the above date with a letter in writing. In XXXX of XXXX I noted that I received an " Adjustable Rate Mortgage Disclosure Notice ''. My payment had gone up and the rate had not been fixed. I contacted Union Bank, they stated, they did not receive my letter and will not honor the request. They will not acquiesce to any concern of mine that the letter was overlooked or intentional neglected. Do I have any recourse?
07/21/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95820	Web
In XX/XX/2021 I received notice that my property tax was past due and I was assessed a penalty fee of {$250.00}. I have an escrow account so I notified my mortgage company Union Bank, right away and the balance was paid. However, they pulled the penalty out of my escrow funds which I believe is not legal. I have called at least 6 times to resolve the matter, which would be them refunding the late fee to my escrow, and I have received no resolution. I have received no written notice that it has been resolved and each person I talk to on the phone assures me they will " take care of it. '' As of XXXX, XXXX it has not been resolved.
09/14/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 95608	Web
I applied for a refinance of my first mortgage on XX/XX/XXXX with an application fee of {$550.00} given on that date. We are now at XX/XX/XXXX and I have yet to have a decision made on my loan. This is a violation of the Reg B rule of a requirement of 30 days for an application decision. I have provided every request within hours of it being made. I asked for a refund of the application fee onXX/XX/XXXX since they cant make a decision on my loan and the application I paid for isnt being underwritten in a timely manner. No one will respond. I informed them I am aware they are in violation of the Ecoa rules With no reply.
02/02/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92651	Web
Hi, I need to dispute 4 transactions made with my debit card ending in XXXX for merchandize not received. Transactions : XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX Silver XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX XXXX The merchant should sent the smartphones to my address on profile not later than XX/XX/XXXX. Until today XX/XX/XXXX I have not received the items bought, also I tried to reach the merchant many times by phone but nobody answer to see what is going on.
05/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77396	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Complaining Department MUFG Union Bank XXXX Dear Sir or Madam, I am writing this letter to correct information in my credit report. I have circled the items I dispute on the attached copy of the report I received. The information that I have circled " not correctly '' because I never borrow money from my equity line with union bank. I am requesting that the item be removed to correct the information. Attached are copies of my credit report. Please reinvestigate this matter and correct the disputed item as soon as possible. Sincerely, XXXX XXXX
10/25/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 935XX	Web
This bank constantly deducts transactions starting from the highest amount to the lowest amount. For example : Lets say I have XXXX $ in my account. If I make 2 charges on a Thursday for XXXX XXXX another on Friday for XXXX $ and an automatic bill pay goes through on a Saturday for XXXX XXXX I receive 4 overdraft charges even tho the Saturday charge is the charge that overdraws my account .. All items post on Monday in order of most expensive to least expensive. If I make a deposit. The deposit is credited to my account after the deductions even if the deposits was made on Saturday over the weekend.
04/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 90746	Web	Older American
I opened a statement in XXXX for this card I havent used in a long time. It had some fraudulent charge from XXXX XXXX for {$42.00} on XXXX. I reported it and initially they refused to send it to the fraud XXXX. It took them months to admit it was fraudulent. Another fraudulent charge appeared on XX/XX/XXXX ( I think ) from XXXX. They refused to investigate that for months and are now just looking into it supposedly. They are sending me to collections and dinging my credit for late fees for two fraudulent charges and now I cant even get someone on the phone for it. Its been a terrible experience.
11/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NV 897XX	Web
Hello. I was notified by mail in XXXX of possible fraud charges. Called and there were XXXX fraud charges to the same vendor XXXX. Reported all charges as fraud. It is now the end of XXXX ( the XXXX ) and they have not resolved these. The voicemail for the person I was informed to follow through with is XXXX at XXXX x XXXX. Her voicemail says they are experiencing higher than normal volume. The same or similar message was there in XXXX. Files of available statements attached showing fraud charges, finance charges, and prior balance of XXXX. Thank you for your time and attention.
04/10/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 90017	Web
Re : The Bank Company Delaying a Fund Transaction. -- PROBLEM BANK - UNION BANK. -- The Complainant Sent a Small Amount ( College Tuition ) to the Union Bank, from the Complaint 's External Bank Account, XX/XX/2020, However, The Bank Company, Delaying the Transaction. REMITTANCE REF XXXX TO XXXX XXXX XXXX USD Kindly Advise the Bank Company XXXX to Review the Process, Conduct the Fund Transaction, At Its Earliest Convenience Please ... -- Thank You Very Much, We Appreciate Your Business. -- XXXX ( SS # : XXXX. ) XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.
08/04/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	WA 98335	Web
On XXXX and XXXX, unauthorized transactions were made on the account totaling XXXX. I reported the issue to Branch Manager XXXX XXXX at the bank a few days later. She helped me fill out the fraud forms to start an investigation. To this date, no evidence of an investigation has been given to me. I have no documentation that any investigation actually occurred. XXXX now says the bank will not cover the loss. The bank is negligent because the transactions exceeded the daily limit for the account, exhibited an abnormal pattern of activity, and should have been denied on the spot.
06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89178	Web
Ive been reported late from my mortgage co for the second time now. I originally reported and disputed on XX/XX/XXXX. XX/XX/XXXX, I recevied they reported my mortgage late again when the mortgage has never been late and has been paid off ... .I disputed the first time and they reported again, this has cause me being unable to purchase a home. This has cause me not being about to purchase my new home and caused my score to decrese significantlly. I attached the letter they sent from the XX/XX/2020 reporting but they reported me late again on XX/XX/XXXX XXXX
04/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NY 11365	Web
This bank is crazy unbelievable I hate them the way they are to me is horrible they should be out of business everything sucks when I apply for their credit card more than once they decline me send me a letter with only one reason which doesnt make sense when I call to go over this reason they either dont answer or dont want to speak with me Ive waited over 90 days to reapply because thats how bad I want the credit card rewards with them but they turn me down and I dont feel this is fair their credit department treats me awful I feel discriminated
03/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95134	Web
i filed a complaint on XX/XX/2021 with XXXX after viewing my credit report and noticed that there was an account that did not pertain to me. I sent them an identity theft victim complaint and affidavit with my California driver 's license and certified police report from the XXXX XXXX police department to support my claim. They told me that they had forward my document to MUFG UNION Bank NA with account number XXXX as a fraudulent account that they would remove the account. This account is fraudulent and needs to be removed from my credit report.
01/07/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 90302	Web
I attempted to use my debit card for a charge less than {$30.00} and my card was declined. I have more than enough in my checking account to cover a {$30.00} transaction. I had to call the fraud department. I was on hold for more than 20 minutes. The rep mispronounced my name and asked me several personal questions. He claimed he was protecting my account. He then stated he would make a note on my account that I was traveling. I did not authorize him to make a note on my account. I did not authorize Union Bank to place a freeze on my account.
02/14/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	CA 91321	Web
I have checking account with Union Bank MUFG at XXXX XXXX XXXX. This is my company direct deposit account Im using. Without notifying me my account has closed with my money in this account. I visited to my branch and discussed about the reason to close my account and they have auto answering number to contact. I have contact and I leave a message with my whole details. Still I did not get any answer from them. I was trying from last Wednesday XXXX of XXXX. And I can not pay my mortgage and any other due payments card and etc.
02/25/2020	Yes	Checking or savings account Checking account	Closing an account Can't close your account	CA 92116	Web
I went to the Union Bank branch in XXXX, CA to close my checking account as the bank 's products and services do not meet my needs at this time. The branch manager told me the teller could close it. I sat down at the teller window and the teller said " okay its closed '' and I left. The account was still reflecting as open online so I called the 1800 number and the rep confirmed the account had not been closed. The rep on the phone said he would close it. The account is still showing as open online today.
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91780	Web
There is an account open from UNION BANK in my name which i never opened and i would like deleted from my consumer report and to stop being reported to XXXX The information linked to this account is a phone number which does not belong to me XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX which is not my address. This account was opened XX/XX/2017 and was closed XX/XX/2017 and still has not been removed from my consumer report despite it being fraudulently opened without my permission.
07/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	RI 028XX	Web
I opened an account on XX/XX/2022 with Union Bank the product was the XXXX XXXX and it have a XXXX days promotional balance transfer with XXXX fees, today XX/XX/2022 I call them to make a balance transfer and they told me I will be charge interest because today is my XXXX day. I want to add that since I made a dispute regarding a payment I made for the amount of XXXX on XXXX XXXX ( that haven't been posted to my account as XXXX XXXX ) they have miss lead me with the information about my account.
04/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	RI XXXXX	Web
I received my new Union Bank Visa Credit Card XX/XX/XXXX with a {$2700.00} balance transfer XX/XX/XXXX. I paid my first bill for {$40.00} minimum ( 0 % apr on the balance transfer ) on time XX/XX/XXXX. I paid my second bill for {$40.00} minimum on time XX/XX/XXXX. My third bill was emailed today and the statement says XX/XX/XXXX LATE FEE {$27.00} even though my XXXX out of XXXX bills for {$40.00} were paid on time. The minimum payment due on this third bill is {$93.00} which makes no sense.
08/18/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	CA XXXXX	Web	Servicemember
My union bank account was hacked and someone made three wire transfers for over {$12000.00} to a XXXX XXXX account. the bank investigated and they were able to recover about {$470.00}. they are not continuing the investigation and refusing to refund the money stolen from my account. the person was able to hack my XXXX XXXX account and have my emails and phone calls forwarded to their phone. They were able to verify the wire transfer requests as the bank calls were forwarded to them.
02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and MUFG Union Bank. The Account Opened is MUFG Union Bank Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
05/18/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 90027	Web
I opened an Bank XXXX Checking account in branch with an associate around XX/XX/XXXX. There was a {$300.00} referral bonus. I completed all the requirements such as making three direct deposits, minimum {$1000.00} debit card spend and was expecting a bonus. Around second week of XXXX I was locked out of my account citing Fraud. This is not true. There was no fraud they just closed my account. I never received {$300.00} bonus for completing the requirements.
06/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93611	Web	Servicemember
I Have requested five different times of the 35 day span debt validation and that verification regarding the accuracy of the day because the debt was paid off and shouldve been deleted off my account and its still not Ive asked for different times for the original agreement the death summary debt validation along with payment some reason and I have yet to receive that this letters have been sent for over eight months with a 35 day time at least in between
03/31/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 920XX	Web
XXXX They holded my bank account when I try withdraw cash. I call them, and that said I will recived call for next 24 hours, and it was not happening. Then I call them again, they said I will receive call by this week, and again I don't recived anything. Now is XXXX and I don't received any calls. I make all cash out from XXXX for this account. I pay loan for my car by this account, and now I don't have access to my money and can't pay loan
12/17/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 90044	Web
On XX/XX/2022 I made a complaint about a dispute of the invested amount I need back because of the merchant bankruptcy it's been more than long enough to receive the dispute amount. I also can not make payments because my account being restrained for more than 10 business days all because I wanted to make a dispute for the invested amount the merchant owes me. I need a dispute and also my account being unrestrained I'm very disappointed.
02/05/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 92335	Web
On XX/XX/2022 My card didn't work-I went to get gas 2 times. I'm told by customer service there's a hold. I call branch, XXXX, supv. who said call Customer Service back. I had to pay rent and my money was there. Also I noticed a false charge of {$28.00} customer service said was XXXX XXXX and a " Debit Memo '' for {$50.00} that I tried to put disputes for both through with Supv. XXXX, customer service but she left me on hold.
12/23/2021	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	XXXXX	Web
Dear XXXX, I had received the XXXX copy from our client to make fund transfer to our XXXX BANK XXXX XXXX XXXX to buy our Rice on behalf of company in the XXXX Country XXXX XXXX in amount of US {>= $1,000,000}. but until now I did not receive this amount in our bank from MUFG Union Bank, U.S.A. In this transaction I think that is fraud and I also sent email to bank for confirm but non reply.
09/23/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 92392	Web
Union Bank closed my account after several times of asessing fees. After I transferred {$20.00} from my savings to checking then XXXX it elsewhere leaving it empty waiting for maintenance fee to be assessed now they have negatively impacted my credit standing as well as additional fees in my saving account now placed in the negative. After siphoning out of account for ovsr the last year.
12/06/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CA 90292	Web	Older American
I tried to connect my credit card XXXX to XXXX, but it did not work out. So I contacted the Customer Service twice, eventually they added my XXXX number to my contacts, but it turned out I would have to wait for 30 days until my XXXX would start working. I consider 30 days is not reasonable delay for the service to start working as other credit cards start it immediately.
01/13/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 90274	Web	Older American
My account was Hacked by wire transfer for {$140000.00} dollars. Union Bank recovered only {$110000.00} dollars of it, with an outstanding balance of {$28000.00} to still be recovered. At this point they will not call me back and I do not know what to do. If I had known the Security on my account was so poor I would of never opened an account with Union Bank in California.
08/17/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NV XXXXX	Web
Union Bank, XXXX XXXX XXXX, XXXX XXXX, CA XXXX does not answer the phone. My bank can not get mortgage payoff information from them and suggested I try. I've been on hold for 1 hour, 15 minutes and counting. I find this unreasonable customer service. It is holding up my refinancing. Of course, they continue to get 4.5 % while I wait for them to answer the XXXX phone.
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90032	Web
I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at MUFG UNION BANK XXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is not mine.
10/20/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 900XX	Web
The bank flagged a deposit incorrectly as Fraud. They froze the online access to the account at that time. As we have paperless statements, we were unable to access the account and our paychecks are deposited there as well. We have been trying unsuccessfully for a month to deal with this and have received zero response from the fraud department at the bank.
12/23/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 94587	Web
Date : XXXX XXXX, 2021 Action : Opening a checking account at Union Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Complaint : False Advertisement. I Received a solicitation email from Union Bank to open a checking account and get a {$300.00} bonus. Office branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX refused to open the account with bonus.
03/06/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 922XX	Web	Older American
I made a large deposit via check at the counter inside the branch with funds received from escrow. After the deposit was completed, I was notified by the receipt that the funds would not be available until 14 days after the deposit. I contacted the bank to no avail. This account has never been overdrawn, and there is nothing suspicious about the check.
09/28/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	CA 91913	Web
Made an instant transfer for {$350.00} ( {$5.00} fee ) in XX/XX/2022 on the XXXX XXXX XXXX XXXX to a Union Bank checkings account and never received the money. Spoke to both parties, XXXX claims the transaction for {$340.00} was successful and Union Bank that it was not, each independently through their respective investigations.
08/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	CA 92346	Web	Older American
I am is a victim of fraud by the bank. and service provider.start with my problem 1. The bank issued me tw different atm card account with same one password to use for both account. Second, the phone service provider gain an access to my checking account and get his payment, without my knowledge and authority the payment
02/03/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92346	Web
XXXX XXXX sent out an active debit card to an unknown address after social security XXXX benefits had been deposited. The debit card was then fraudulently used until the account was closed due to having a negative balance. I never received any correspondence from the bank nor have they resolved this matter.
01/21/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92024	Web
Union Bank refuses to cash or make a deposit for their own account holders who have received Economic Stimulus debit cards. The service rep 's advice to their customers is to take the card to a XXXX ATM, withdraw money, and bring the cash back to their so-called 'bank ' to make a deposit.
08/10/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 91913	Web
Union Bank charged my checking account on XX/XX/2022 overdraft fees that are not valid. This fee was caused by the change of the order in which transactions were processed on XX/XX/2022 and XX/XX/2022. To date a total of {$110.00} in overdraft fees have been charged to my account.
10/17/2021	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	CA XXXXX	Web
Atm shut down before withdrawal was completed but the bank still took XXXX dollars out of my account even though the machine gave me nothing. And they are not helping at all its been 2 weeks plus with no answer back to my complaint im on XXXX and a tight budget every XXXX counts.
11/10/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92037	Web
There was a charge to my checking account at Union Bank but I do not recognize the name nor the amount. It appears to be from a company in XXXX and looks like an annual fee of {$99.00} dlls. Ive done a XXXX search for it but came back empty, no information was found. XXXX XXXX
08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 902XX	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 902XX	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
06/22/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92840	Web
I made a check deposit on XX/XX/XXXX and they said they are going to hold it until XX/XX/XXXX but they already withdrew the money from that check owner on XX/XX/XXXX. What is the reason for them to hold the fund so long?
08/11/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	CA 92336	Web
I closed my union bank account and received a check for {$9000.00} and have not been able to cashed it. I need a new acc closure check mailed to me please have union bank contact me to mail me a new cashier check XXXX
11/18/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 91206	Web
Sombody used my bussines debit card, i file complaint I disputed claim number # XXXX Union bank denied my claim and stiil my monay, union bank keep me wait XXXX to returne my monay back, to the end claim denied!
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97219	Web
MUFG Union Bank Purepoint is mistakenly reporting a late payment in XXXX 2022. Please see attached a transaction history from my bank showing proof of payment. Please recall the late payment asap. Thanks.
06/13/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL XXXXX	Web
I sent my remittance coupon payments to Union Bank for XX/XX/2022 and XX/XX/2022 and both times they have rejected my payments and have transferred my mortgage into default. I sent them all the attached.
01/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92335	Web
Union Bank sent closing letter not on letterhead and refused to return money for 2 boxes although they have tiny boxes do had to get 2. Since they are closing account should get refund.
09/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 91913	Web
Union Bank closed my account without any advance notice or opportunity to remedy any problem with my account that will cause the account to be closed.
11/11/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	NY 11365	Web
They wont approve me For my credit card Ive applied so many times its like they hate me and my credit ridiculous! This bank should be out of business
06/15/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91746	Web
Bank keeps holding my deposits and charging me overdraft fees due to the fact that bank account goes overdraft because they are holding my funds.
03/13/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	CA 92108	Web
They did not pay me my cash-back rewards after I met their requirements and after I made many attempts to get this resolved over several months.
06/15/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 91746	Web
For over a year Ive had many times My cards keep getting compromised and bank charges me fees when card gets compromised due to fraud.
03/13/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 92108	Web
I called the bank and they can not find my account. They told me that means the account was closed. I never closed the account.
01/19/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CA 90064	Web
Was offered {$300.00} to open an account with a minimum of {$1500.00} after 90 days. Did not get bonus after making deposit.
02/08/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	NC 273XX	Web
Checking and savings account opened with Unionbank. Company stated they closed the accounts.
12/01/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92335	Web
Union Bank does not process disputes. I don't hear anything and I have to keep calling.
02/28/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 92335	Web
Union bank hung up.on me 3 times when I asked for paper statements.
10/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	NY 11365	Web
They declined me and wont tell me why as they always do
05/16/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	AZ 85286	Web

04/10/2023	Yes	Checking or savings account Other banking product or service	Opening an account Didn't receive terms that were advertised	CA 90210	Referral

03/23/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 91401	Web

03/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 92058	Web

03/07/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	CA 92591	Web

02/19/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 90015	Web

02/18/2023	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	CO 80602	Web

02/17/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 91977	Phone

01/31/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 96088	Phone	Older American, Servicemember

01/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NV 89102	Web	Older American

01/30/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33029	Web

01/22/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 94124	Web

01/20/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90034	Web

01/09/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92154	Phone

12/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with balance transfer	CA 92692	Web

12/10/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 93646	Web

12/09/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	WA 99006	Web

12/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with balance transfer	WI 54937	Web

11/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 91205	Web

11/07/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	CA 93444	Web

11/02/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 91977	Web

10/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	WY 83118	Web

10/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 95204	Phone	Older American

10/18/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 91901	Referral

10/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	CA 91316	Phone

10/06/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 92704	Postal mail	Older American

09/26/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	CA 92025	Web	Older American

09/26/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	CA 92104	Phone

09/22/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 95357	Referral

09/21/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92612	Web

09/12/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 92311	Phone

09/08/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92656	Referral

08/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 95356	Referral

08/22/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 90630	Phone	Older American

08/19/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	MA 01824	Phone

08/09/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	CA 92879	Referral

08/06/2022	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account	TX 78701	Web

07/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	CA 93212	Phone	Older American

07/21/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92024	Postal mail

07/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 91206	Referral

07/16/2022	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	XXXXX	Web	Older American

07/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WA 98685	Referral

07/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 93023	Referral

07/14/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91423	Referral

07/04/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92335	Web

06/25/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94110	Web

06/16/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 93401	Phone	Older American, Servicemember

06/15/2022	Yes	Checking or savings account Savings account	Opening an account Unable to open an account	CA 92129	Web	Older American

06/09/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 92395	Web

06/02/2022	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	CA 94930	Web

06/02/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	CA 91304	Referral

05/28/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 93727	Web	Older American

05/25/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 90024	Phone

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95127	Web

05/25/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 94536	Referral

05/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 93643	Phone	Older American

05/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92129	Phone

05/17/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91979	Phone

05/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	CA 91304	Referral

05/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92131	Referral

05/10/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 92373	Phone

05/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX 77386	Phone

05/04/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MD 20770	Referral

04/29/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94952	Web

04/20/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 94541	Phone

04/19/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 92627	Web

04/19/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 93555	Referral

04/14/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	WA 98203	Web

04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91605	Web

04/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 91770	Referral

03/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 90249	Web	Older American

03/20/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 94017	Web

03/11/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 93441	Phone

03/08/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91776	Web

03/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	FL 34952	Web

02/24/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	CA 92677	Web	Older American

02/24/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94577	Referral

02/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	CA 92625	Phone

02/08/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92247	Referral

02/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 95765	Web

02/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 92227	Phone

02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92677	Web	Older American

02/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 91342	Phone

02/01/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 90077	Web

01/31/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 94509	Phone	Older American

01/28/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 90403	Referral

01/22/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 93436	Referral

01/21/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 93001	Phone

01/14/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 97838	Postal mail

01/11/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 92111	Postal mail

01/11/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 91335	Referral

12/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 93030	Web

12/20/2021	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CA 90806	Referral

12/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	AZ 85040	Web

12/16/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MT 59102	Phone	Older American

12/14/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91362	Referral

12/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 92025	Web	Older American

12/09/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OH 45645	Phone

11/26/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 78665	Referral

11/24/2021	Yes	Mortgage Other type of mortgage	Closing on a mortgage	CA 92656	Web

11/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 92802	Web	Older American

11/17/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 95307	Referral

11/12/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92629	Web

11/10/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 93110	Phone

11/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

11/04/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91402	Phone

11/02/2021	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CA 94544	Web	Older American

11/01/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90077	Web

10/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 93955	Web	Older American

10/28/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	CA 90064	Web

10/27/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92508	Referral

10/21/2021	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	WA 98012	Web

10/14/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 92562	Postal mail	Older American

10/10/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	XXXXX	Web

09/27/2021	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	WA 98012	Web

09/27/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX 77563	Referral

09/23/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92775	Referral

09/19/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 936XX	Web

09/17/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 93230	Phone

09/15/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92057	Phone

09/13/2021	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	CA 91941	Phone	Older American

09/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 93105	Web

09/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91010	Web

08/30/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90026	Phone

08/27/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92107	Referral

08/23/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 93561	Referral

08/17/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 91361	Web

08/14/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	TX 77581	Web

08/13/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92840	Referral

08/02/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OR 97031	Referral

07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78654	Web

07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90029	Web

07/28/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90026	Phone

07/27/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 94526	Referral

07/27/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA XXXXX	Web

07/20/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 95350	Referral

07/20/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 93441	Phone

07/20/2021	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93711	Phone	Older American

07/19/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91316	Web	Older American

07/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90077	Referral

06/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NY 11365	Web

06/17/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	AZ 85248	Phone	Older American

06/17/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Referral

06/12/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 91362	Referral

06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90047	Web

06/08/2021	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account	TX 76706	Referral

06/02/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 92781	Referral

05/25/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	CA 92315	Phone	Older American

05/23/2021	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem accessing account	NE 68510	Web

05/20/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	CA 92114	Phone	Older American

05/06/2021	Yes	Checking or savings account Savings account	Opening an account Unable to open an account	NY 12603	Web

05/02/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 95864	Web

04/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CA 91436	Phone

04/26/2021	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	CA 91356	Referral

04/06/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92694	Referral

04/05/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92651	Referral

04/02/2021	Yes	Checking or savings account Checking account	Managing an account Cashing a check	MA 01510	Web	Servicemember

03/30/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92115	Web

03/22/2021	Yes	Checking or savings account Savings account	Opening an account Confusing or missing disclosures		Phone

03/16/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92104	Referral

03/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 92127	Web

03/08/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 91950	Phone

03/05/2021	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	CA 94403	Referral

02/17/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	TN 37174	Web

02/05/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92078	Phone	Older American

01/28/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90732	Web

01/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 27606	Phone

01/14/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92277	Referral

01/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	NV 89011	Web

01/05/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90042	Referral

01/03/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	CA 92101	Web	Older American

12/31/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	OR 97229	Referral

12/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92119	Web	Older American

12/27/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 93402	Referral

12/24/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 95446	Referral

12/03/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NY 11743	Fax	Older American

12/02/2020	Yes	Checking or savings account Savings account	Closing an account Can't close your account	CA 95020	Referral

11/18/2020	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 92037	Web

11/04/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 92307	Web

10/30/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 11743	Phone	Older American

10/20/2020	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	CA 92692	Referral

10/16/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89166	Web	Older American, Servicemember

10/16/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	CA 90807	Referral

10/13/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95123	Web

10/13/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 91941	Web

10/01/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 91030	Referral

09/20/2020	Yes	Checking or savings account Savings account	Managing an account Banking errors	CA 94118	Referral

09/17/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CA 91107	Web

09/04/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 90274	Web	Older American

09/04/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91321	Referral

09/03/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	MA 01267	Referral

08/28/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 92620	Web

08/21/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 90211	Phone	Older American

08/18/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	CA 90017	Web

08/04/2020	Yes	Checking or savings account Checking account	Managing an account Cashing a check	WA 98110	Referral

08/03/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect		Phone

07/30/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90201	Phone

07/23/2020	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	CA 94123	Web	Older American, Servicemember

07/15/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	CA 91950	Web	Servicemember

07/15/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	WA 98116	Referral

07/14/2020	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	CA 91942	Web

07/13/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 90211	Phone	Older American

07/10/2020	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CA 92116	Referral

07/08/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 90017	Web

07/02/2020	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	CA 92879	Phone	Older American, Servicemember

07/02/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 91942	Web

07/02/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	WA 98075	Referral

06/29/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94502	Referral

06/25/2020	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 94030	Web

06/23/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 92705	Referral

06/19/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AZ 85248	Phone	Older American

06/18/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92024	Referral

06/17/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 91915	Referral

06/15/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account		Phone

06/12/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Add-on products and services		Phone

06/12/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	CA 90291	Referral

06/10/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	CA 92081	Phone

06/04/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 90211	Phone	Older American

06/03/2020	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	CA 92054	Phone

06/02/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 90051	Phone	Older American

05/28/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 95747	Referral

04/29/2020	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 94605	Phone	Older American

04/28/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95747	Web

04/21/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92112	Phone	Servicemember

04/21/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	CA 93103	Phone	Servicemember

04/16/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	CA 91325	Web

04/15/2020	Yes	Checking or savings account Checking account	Closing an account Can't close your account	CA 94904	Postal mail

04/10/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	NY 11050	Phone	Older American, Servicemember

04/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90025	Web

03/31/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95693	Web

03/30/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91945	Referral

03/27/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Phone	Older American

03/25/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90025	Referral

03/24/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NC 27519	Web

03/17/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60642	Web

03/17/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 91401	Phone	Older American

03/13/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed		Phone

03/13/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92506	Referral

03/10/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Can't close your account	NJ 07470	Referral

03/03/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	WA 98199	Referral

03/02/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	WA 98223	Web

02/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90025	Web