| 05/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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XX/XX/XXXX : In looking at my XXXX XXXX statement, I saw a link to look at my rewards. In the 22 years I've had this card, I've never used any rewards, ( rewards weren't even around when I started with this card ), so did some investigating to see what I could use them for. I had XXXX or XXXX and some rewards points showing to use. I saw where I could use them as cash back against my balance. So I cashed in XXXX points or {$500.00}. After doing so, I went to look at my transactions and saw not only the one I had just made but also three other transactions. These other three transactions used XXXX points each time in XX/XX/XXXX, all on the same day. Since I had never done anything with rewards points previously, this was suspicious. I noticed that the name on these other three transactions was not my name but another individual. It also had this other individual 's address. I called Cardservices immediately to ask what how this other individual was on my account. They said they would investigate and would get back to me within a few days. I called them back after the allotted time because I had not heard back from them and they said my account had gotten linked to another account somehow. When I asked what they were going to do, they said they were still looking into how that happened to correct it and referred me over to UMB about changing my security settings. I did this changing my username, password and security questions.
Next day, I tried logging into UMB ( https : //www.umb.comXXXX ) and was not able to ... the security questions that came up were not mine. I discovered that if I logged in through Cardservices ( XXXX XXXX XXXX ), I could using my new security information. But have never been able to login directly to UMB since this began. If I try to, it loops me around from being locked out because the information doesn't match ( the security questions I don't know answers to ) to unlocking my account using my information, then back to the login page to go through it all again. While it recognizes my information to the account, the security does not let me in after I changed it all after finding this other individual linked to my account.
I was able to get in to my account through my Cardservices login and to my rewards points. I saw where instead of the XXXX or so points I had left after I cashed in XXXX the week before, I only had XXXX and some points. They eventually all disappeared.
I, in the meantime while waiting for UMB to straighten out the linked accounts issue, had contacted my local credit union about getting a credit card through them. I was then going to transfer my balance over to the new card. I was very uneasy and leary at this point of UMB 's security and if someone else could get to my account and/or card information. As soon as the issue was resolved, I was going to close the UMB account. I will not tolerate lack security. And they did not seem to know what happened or how to correct it.
XX/XX/XXXX : I logged into my UMB account to see if the balance was {$0.00} after receiving notice that the balance had transferred to the new card. The balance was {$0.00}. I wanted to look at past statements while I was there to look for charges that automatically come out so I could switch them before canceling the UMB card. I wanted to make sure I did not forget about any auto payments. First statement I opened was NOT my statement. It was this other individual 's statement. I was looking at someone else 's balance, credit limit, charges and their credit card number. ( Their credit card number 's first 8 digits are the same as mine but the last 8 are different so I know it's not card number issue ). This was unbelievable and very disturbing to me. I immediately called UMB and canceled my card with them. I'll figure out my auto pays later. I told the customer service rep what had been going on when she asked why I was canceling and she started asking me all of these questions about it and I frankly told her that I was done and they could figure it out. I said that I didn't know if it was a hacking or internal issue but I wasn't playing games any longer with my account and their security. I was also going to try to notify the other individual, since I had their name and address, about the situation so they could protect their account. ( I have sent a letter to them with a copy of their statement I was able to see ). She didn't believe me that I was looking at someone else 's statement. I have attached a copy of the first page of my statement I printed off in XXXX when this situation was first noticed and the first page of the other persons statement that I printed XX/XX/XXXX, both of which I saw after logging into MY account.
Since I have canceled my UMB card I no longer have this issue and they did give me that {$500.00} credit after about 10 days towards my balance before taking the rest of the points away. But this is completely unacceptable that accounts got linked. They said they had no idea who the points belonged to. That was NOT my first concern. It's disturbing that I had to call and tell THEM they had a problem in the first place. Going through Cardservices it seems to work every time but I may not see my account information but the information of this other individual. Everyone needs to be wary of UMB and watch their accounts closely, not just the charges on their statements if they still get paper bills but their online accounts. This a major security flaw that needs to be investigated by the FTC as I have the feeling I am probably not the only customer who's account/security has been compromised.
I am an XXXX XXXX XXXX and I know security. I am an honest individual who will not take the other person 's information and use it maliciously. I have notified the other individual of the situation so they can protect themselves. However, the next person that can obtain information in this manner may not be so honest and can ruin another individuals credit.
As of XX/XX/XXXX, a month after being notified of the problem, UMB still did not have this issue resolved.
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| 01/28/2020 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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My brother and I have four trusts ( including two charitable trusts ) with UMB Bank from Missouri. These trusts, under the name XXXX XXXX Trusts, were originally with XXXX XXXX XXXX XXXX ( XXXX ) in Minnesota but were transferred/sold to UMB Bank NA, located in Missouri, in XXXX. The XXXX XXXX office was retained by UMB to be the Minnesota trust administrators in accordance with Minnesota Trust code requiring a presence in the original jurisdiction. In XXXX, XXXX withheld an every five year disbursement of {$200000.00} due to my brother and me, stating we had " signed '' it away in the transfer from our previous company, XXXX XXXX, to XXXX in XXXX.
I found out in XX/XX/XXXX that that was a falsehood. I confronted our now trust company, UMB, with this information and after their lawyers reviewed the will/court documents, they distributed the money owed from that distribution, but have since stopped/refused to disburse any money from my trust for day to day living. They have used the excuse that because I received an insurance disbursement from my late stepfather ( that I used to buy a cabin, a boat and some land ), they do not have to give me my previously disbursed, monthly disbursement. I suspect other trusts held by them are also receiving inadequate disbursements because of UMB 's losses.
I recently found out that UMB, after buying XXXX for {$180.00} XXXX, lost over {$45.00} XXXX in factoring debt ( it looks like they have turned that debt into a long term loan due in the XXXX 's ). I believe the reason why my previous very pleasant relationship of several years with my XXXX trust officer, XXXX XXXX, changed quite dramatically in XXXX was because XXXX were inflating the true value of their trust accounts for the sale to UMB. XXXX was the year my brother and I were told we had released our five year {$200000.00} distribution away forever.
With the timeline, I suspect the reason XXXX refused to pay my brother and me the {$200000.00}, and lied about why they did not have to, was because they were trying to strengthen their asset position for the sale. For example, with just our two accounts, saving {$400000.00} every five years ( {$80000.00} per year ), not having those disbursements say 8 times, would equate to {$3.00} XXXX extra over 40 years. Now add compound interest at 6 % and that number jumps to approximately {$17.00} XXXX over the same period. XXXX had well over a hundred accounts. If they did that with ours, what were they doing to the other accounts?
Even while UMB has been buying out other trust companies such as XXXX XXXX this year in states such as Iowa, they have transferred/sold their Minnesota trust companies to XXXX XXXX in the summer of XXXX. Why? Were they forced to by a court decision or a settlement with another trust? I have just learnt that according to MN Trust code, we were to be notified in XXXX about the transfer of our trusts from XXXX to UMB so we could raise any objections. We were never notified about the transfer. In fact, we were told that our trusts had been switched to UMB after the sale had happened. It seems very odd that UMB sold their Minnesota assets while accumulating other trust companies as fast as they could.
I suspect UMB is suing the XXXX family ( which owned XXXX ) based on an interview with UMB CEO XXXX XXXX and CFO XXXX XXXX given to the XXXX XXXX website at the end of XXXX and early XXXX. The XXXX XXXX XXXX name was bought by former officers of XXXX in early XXXX which in itself is interesting because three mid to high level officers in the first XXXX, managed to acquire over half a billion in assets instantaneously. How did they manage to do that? Was there a deal agreed to release the high asset trust holders back to XXXX, leaving the low to middle trust funds to be pillaged by UMB?
But what about the Minnesota trusts including my own? The ones transferred to XXXX XXXX probably have no idea what happen between UMB and XXXX. We were defrauded ( and continue to be as they still refuse to pay my monthly disbursement for daily living as written in my mother 's will ) in betrayal of XXXX and UMB 's fiduciary duty. I suspect, like myself, that many trusts are being, right now, managed by these companies to maximize profit for themselves at the expense of their beneficiaries.
In XX/XX/XXXX, we were informed that UMB was releasing their Minnesota Trusts. They wanted us to sign forms releasing them of liability and to transfer our trusts to XXXX XXXX in Minnesota. I refused. They insisted I had to release them of liability before they would transfer the trusts, although the law is clear in that I do not have to release them of liability before the trusts are transferred. Because of that refusal, since XX/XX/XXXX, UMB has been delaying the transferal process.
After pressure from our attorneys, in XX/XX/XXXX, UMB was finally ready to move our trusts. As co-trustee, under Minnesota trust law, I am required to carry out administrative duties ; I began to do some final accounting and noticed some anomalies with the fees we had paid to UMB. During the discovery process, I have been asking relevant questions to UMB about the accounting & administrative processes for the past years. This is when I discovered the above problems as well as other serious issues.
I have refused to release UMB from liability until they have answered my questions. They are now refusing to answer my questions as required by law. For example, when I asked them about the initial trust transfer from XXXX to UMB and why my brother and I had not been informed, they called my attorney and told him to pressure me to stop asking questions. This is against Minnesota trust code.
I believe this is because they have committed corporate fraud and have betrayed their fiduciary duty. I have quite a bit of evidence to support my story with emails, corporate reports, transcripts, accounting, XXXX spreadsheets and written documents.
Please let me know if this is the appropriate government agency to write a complaint to. Thank you.
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| 02/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2019, we were victims of a very sophisticated credit card extortion. This followed remote access to our computer by a group which had perfectly cloned all XXXX identifying information. Once in our computer under the guise of helping us eliminate hackers in our new and unfamiliar XXXX system, they identified and held hostage our largest bank account, demanding the purchase of gift cards to give them the security codes necessary to eliminate the hackers and reset our computer security. The most disconcerting and XXXX producing element of this contact was that of five bank accounts stored in our computer, they had scanned files and quickly identified the account with the largest balance. Assurance was given that they would not use the card, just the security code, and a refund for the amount of the card would be sent immediately. After each transaction, a perfect appearing XXXX email was received with a refund receipt for the amount of the card. Given the sophisticated level of this group, and knowing they had identified our largest balance account, we felt we simply had no choice but to cooperate with these extortionists until we could reach XXXX XXXX bank to freeze our account. Considering this was armed robbery in a different dress, we felt it best to follow law enforcement advice to cooperate with the robbers until they can be neutralized. Once that was accomplished, we terminated contact with the extortionists and began notifying all pertinent institutions and law enforcement of this fraud and extortion. Upon examining our Visa transaction statement, we discovered an additional charge made after the criminals obtained our credit card data. Two purchases were made during this extortion at XXXX XXXX # XXXX, the transaction log lists three. All details are contained in supporting documents from law enforcement and agencies concerned.
Two credit card issuers were involved in this theft and extortion. XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX XXXX XXXX has been extremely understanding, cooperative, and absolutely efficient. Within 9 days of reporting this theft and forwarding all documenting evidence to XXXX, we received a letter from XXXX granting a refund to our account pending investigation completion. We have since been advised XXXX has determined our claim to be resolved in our favor as a valid reported case of fraud, theft by deception, and extortion. XXXX further stated their appreciation for furnishing such detailed documentation to assist in their further investigation so as to protect other XXXX clients, and thanking us for our patronage.
XXXX XXXX XXXX has been an entirely different matter. Our initial contact with the UMB staff member meant to handle fraud cases was regrettably dismissive, totally unempathetic to our situation, and obstructive to our efforts. As soon as she heard that our credit card was not stolen, but rather used under extreme duress in an extortion scheme, she showed no interest in listening to, or receiving our verified documentation of this fraudulent activity. Just a flat statement of nothing she could do to help us. Even refusing to assign this dramatic case of criminal activity a case number, thus giving the erroneous appearance to further investigation that we were negligent in reporting this fraud. When challenged in a subsequent contact regarding the lack of a case reporting number or file which appears to be a breach of common fraud reporting procedures, the agitated, terse response was, " all I can do is send an email to them saying you disagree with our policy of not considering this fraud. '' When I again asked the identity of " them '', I realized she had abruptly disconnected. After giving UMB two business days for a staff member to respond to no avail, I contacted and left a voice mail requesting assistance and a return phone call with the Director of Customer Service. Today we were contacted by a Customer service staff member. This staff member thankfully proceeded with a different approach. He spent time allowing us to explain the real facts surrounding our situation and thus gained proper perspective into the extraordinary circumstances surrounding our case. Our conversation was closed with the much appreciated assurance that he would have a review of our documentation which was previously submitted to the UMB Dispute Operations Center in XXXX. We have been UMB clients for 49 years, with very positive relationship with the bank for that entire period. Up until this unfortunate dramatic incident, we have never had an issue with their products or services, and have been a trouble free client. We have been diligent and responsible to maintain our current XXXX credit score. An unresolved fraudulent credit card charge has a dramatic impact on credit usage to credit available ratio, and thus impacts a credit score. This in turn has a domino effect in many other areas. Secondarily, without proper pursuit and investigation to uncover this sophisticated group, more UMB clients are exposed, potentially resulting in greater losses to the bank.
At this point, we are requesting CFPB assistance with UMB in determining this incident and charges incurred were made under extraordinary conditions of blackmail and extortion. Charges were made in order to protect our bank account, which in effect was being held hostage. Charges were made under forced coercion, rather than intentional and voluntarily. The charges in question in no way benefited the card holder. The only fair determination, considering the exceptional and unique circumstances in this case of criminal extortion, is to render the cardholder blameless and without malice. Any assistance CFPB can offer to assist us with resolving this issue will be gratefully appreciated.
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| 05/19/2023 |
No |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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Since you have a line of communication to the Legal Department, I will mention to you that I just talked with the fraud department.
I have never reported fraud with UMB. I acknowledge that I made a purchase with XXXX on XX/XX/XXXX in the amount of {$560.00} ( this charge did not hard post until things were shipped out and you will see two transactions in the amount of {$440.00} and {$120.00} both on XX/XX/XXXX and these are the only charges in question ). These have both been charged to my account, and I have returned most of the purchase, so I am not sure why this is still going on. Close the dispute. The only charges that I disputed were never taken care of, but yet all these other ones were and your answer to me was " I cant talk to you anymore because you are seeking legal advise ''. You not only should not be in customer service, but you should not have your job anymore, as well as everyone else who had hands in this. This is my money that we are talking about, and even though you dont care about it, I trusted UMB to bank with for a long time and you all let me down. I am at a lose for hundreds of dollars and the bank will be responsible for rectifying this as well as all the charges that resulted from the error.
EVERYTHING ELSE, was legitimate ( not Fraud and not disputed - as I made it very clear that I made the purchase on my XXXX Credit card ) and UMB has made significant errors in my accounting. My concern is the number of vendors and credit card processors that you will have to settle up with as well as the fees that are associated with the banking errors. I have been threatened legal action and have done absolutely nothing wrong. I came to you for help on Monday. I have been calling UMB for weeks and nothing has been resolved.
In addition, if you look back through the notes, I was advised that a {$4600.00} debit was to come out and then {$5300.00} was taken out. This corresponds with my math from the attachment that I sent to you this morning, meaning that UMB has taken an extra {$680.00} out of my account. This is my best guess. With the charges that came out ( XXXX, which are on the account as a debit now, there is nothing left to do ). I just want this all closed out, I want my accounts frozen bearing in mind that I have a XXXX XXXX payment that will soon post in the amount of {$700.00} - tomorrow or Monday.
Please have legal call me. Your avoidance of this problem is completely unprofessional and proves your inability to help me solve this problem. I was advised by someone on the Disputes team that this was a glitch in the system when the new " customer experience '' software was rolled out and that there have been problems with a lot of other accounts.
Do not treat me poorly for your establishment 's error. I have been a customer with UMB since XXXX. My next step will be to reach out to the CFPB, XXXX and FDIC to submit complaints there too. I have given you all close to 60 days to resolve this and I am done waiting. I have not sook out legal, so I am not sure where you got that idea. I have exercised my consumer rights under the governing bodies that are here to protect me from faulty and bad banking practices.
I will be coming into the branch tomorrow to close out my account. I have downloaded my transactions from online banking and there appears to be a discrepancy. I was told that the bank was to debit {$4600.00} and {$5300.00} was taken out yesterday once I told the dispute team that I would be withdrawing all the money in my account. Funny it took that to make something happen. Even more sad that no one is helping me and you all have made this much of a mess that I have absolutely no idea how much money I have. According to this ledger, I am owed {$680.00} and I expect to be able to make this withdrawal.
I have filed a complaint with the Division of Finance. Please take a look at the attachment, as I want this rectified today so when I come in tomorrow, I can make a withdrawal.
I have moved all my money out of my savings, I have made a {$700.00} payment to capital one and want my account frozen. I would also like to have this figured out and will want to withdrawal the additional money of {$680.00} and terminate my relationship with UMB.
In addition, I expect that all the vendors be paid for the purchases that are on here. I will be real honest, I stopped looking at this after I was able to reconcile up to XXXX charges. It is a mess and I just want my money. If I owe you all anything, you can write it off. This is unacceptable and I will be pursuing things with the DOF.
Please let me know what time you will be there and I will meet you. I also am a little disappointed that given this situation, you have not responded to my emails. I have been a long time customer and understand that I am just a number to you.
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| 08/19/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I opened a checking account on XX/XX/2020 online for an offer they had posted on their website at XXXX. While I was able to complete the application online for the checking account and received confirmation online and in the email that the application was approved, the second application submitted for savings account did not go through and since it asked for login information I thought I would resubmit the savings applicaton after I login to the account. So, after I got the approval email, I went to setup an online access and it just kept saying it was not able to create an account try later or call support - then I tried again the following day and few times it said that I had already created an online account and when I tried to get the user id it said, I had to create a userid or call them. I called them at the XXXX number on the following day and the lady on the phone asked for my SSN and then the account number and at first she said she could not find anything and then later said I had to call a local branch and it was the weekend. The following week, I noticed that {$100.00} opening balance had been withdrawn from checking account from another bank that I had linked during application for the opening deposit. I tried to create the online access again and was not able to do so and so I called the local branch and spoke with XXXX XXXX and explained her the situation, and to my suprise or not to my surprise, she said that I have to call the XXXX number for thier online dept. and talk to them and so I called and after asking for my name, account number and social the person said that the account was locked and I have to fax my ID. I asked him if there was any way to send them by secure email or upload them securely on their website as I do not have a fax machine, he said " no, you have to fax '' ( I thought it was outdated for a bank to insist on faxing while one can easily proivde an secure upload on their website or provide secure email, like most banks do ). I asked him for the fax number and also his name ( XXXX ) and if this was a call center and he did not like that - I could tell from his voice. So, I called back the local branch and told XXXX that I do not have a fax machine or access to one and if there was a way to email them or I could stop by the branch. She told me to email them and and that she would fax them and so I emailed her my Drivers License and my Utility Bill ( on the XXXX ). Then, I got an email on XXXX with the subject line " Important notice reminder. Your UMB Bank account requires additional verification '' but nothing specifically stated as to what was required and I had to call them or email by XXXX or the account will be closed and since ( also it was late Friday afternoon ) I had already faxed them I was waiting to hear back from them. In the meantime I got 2 letters in the mail dated XXXX XXXX, one regarding new account opening and a visa debit/atm card. On the XXXX, since I had not heard back from XXXX I emailed asking her to follow up as it has been several days. She replied back to my email the following day, on the XXXX - " I just heard back from online banking and it appears they asked for more documentation. We need another form of ID such as social security card or passport and We also need some type of mortgage statement or lease agreement. '' I have never been asked for or heard of any bank asking for mortgage or lease agreement as a ID requirement to open a checking account. They have checked my credit report and also I believe chexsystems during application process ( for most banks these two fulfil all, if not most, ID and address verification requirements and rarely any other document is asked ) and then I emailed/faxed my Drivers License ( recently renewed ) along with recent Electric Utility bill, both with the same address but I do not have a mortage or lease agreement, which many citizens also do not have, and is excessive/extreme requirement for ID verification but if necessary I can provide passport, credit card statement, another bank statement or a voided check.
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| 01/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I am on a joint checking account with my dad at United Missouri Bank ( UMB ). He passed away XX/XX/XXXX. Prior to my dad passing away, he received monthly deposits from XXXX XXXX On XX/XX/XXXX he received one payment for {$1400.00} and XX/XX/XXXX for {$1400.00}. Since XXXX XXXX pays a month behind, he was eligible for the XXXX payment because he lived the whole month of XXXX. He was not eligible for the XXXX payment because he did not live the whole month of XXXX. On XX/XX/XXXX, I noticed that the account was {$0.00} which should have been {$610.00} because that's how much was in the account prior to the XXXX payment, to pay the taxes on my dad 's house. I contacted UMB Bank on XX/XX/XXXX to inquire about the {$0.00} balance. I was informed that XXXX XXXX reclaimed the money. I then asked why wasn't just the {$1400.00} reclaimed. The representative said that she wasn't sure and that another department handles the reclaims and she would submit for review and someone would contact me. I then called social security and at that time they did not have information on how much was returned. They also confirmed that he would have been eligible for the XXXX payment but not the XXXX payment. The representative stated that she can send the my case to the payment center which is who handles this process, and I will be notified in writing within 30 days. I learned by checking my dad 's phone messages on XX/XX/XXXX that a person from the XXXXXXXX XXXX UMB location ( XXXX ) left a voicemail. I immediately called her. She explained to me that if social security notifies them that someone is deceased, then they send all funds back that came in after the person dies. On XX/XX/XXXX I called the UMB downtown location and asked for a supervisor. The person that got on the line was a male. I asked him to explain to me the process when an account holder passes away. He basically said the same thing the previous representative said and he added that they should have sent back the full month of XXXX since he died before the XXXX payment was deposited. I tried to explain to him that according to social security, he was eligible for the XXXX payment because he lived the whole month of XXXX. He told me that I will just have to wait to see what social security says. On that same day XX/XX/XXXX, I checked the account again and now instead of it saying {$0.00}, it was negative {$810.00}. I'm assuming the guy that I spoke with had sent back the full month of XXXX instead of just what was in the account previously. I'm assuming this because he is the only one that made the comment about sending back the full month of XXXX and it happened the same day I spoke with him. About a week later, I went into a branch in XXXX, XXXX to see if they could shed a little more light on this situation. The teller was very nice and couldn't understand why that was done. He then called the XXXX location and spoke with someone who also basically said the same thing that they had been saying. He allowed me to speak with that representative too and I asked, when social security notifies UMB that someone is deceased, do they give an amount that they are reclaiming. She said no, all social security does is notify UMB that someone is deceased and it is UMB 's policy to send all funds back that comes in after the person is deceased, and once that is done, if a person is eligible for some of those funds, the social security will send back whatever they're eligible for. I left in tears because not only am I dealing with the passing of my father, I now have a negative balance in the account which will be sent to collections if I can't pay. On XX/XX/XXXX, a lady called from the UMB collections department to inform me of the negative balance. I explained to her the situation and she said she would notate the account and contact me later for an update. I will also soon begin being charged fee 's for the low balance and insufficient funds. My dad is due {$1400.00} for the month of XXXX. I still have not heard from social security.
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| 07/12/2015 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I have an HSA account with UMB bank. The account is currently in limbo between the bank and the State of XXXX. I started the account while working at XXXX Bank. XXXX Bank and UMB have a contract for all HSA accounts and every employee who chose this option automatically opened an account UMB bank. I chose to suppressed my statements and receive online access. XXXX contributed money to this account each month and the monthly fees were waived as a result. I left the bank XX/XX/XXXX and I was told this account was closed. Nevertheless, I recently received a notification letter from UMB Bank that was dated for XX/XX/XXXX. The letter stated that I needed to contact the bank because I still had funds left in the account that were now classified as dormant. It also stated that if they did n't hear from me the funds would be sent to the State of XXXX for inactivity. I contacted UMB bank the day after I received the letter and spoke to a representative that informed me that the funds were already sent to the State of XXXX as of XX/XX/XXXX. Also, because there was no longer a direct deposit and the bank could not get in contact with me fees had been assessed to the account since XX/XX/XXXX in the amount of {$2.00} a month. I told the representative that I just received the letter in the mail and it was dated XX/XX/XXXX I asked how could it be possible that the funds were already gone after the letter was sent? he replied " I do n't know '' I confirmed my mailing address, phone number, and email address UMB had on file for me and they listed the correct information except for an old mailing address that I had a forwarding on. To date, the bank have not sent any statements for this account. The last online statement that I received was XX/XX/XXXX. However, after XX/XX/XXXX UMB did not send me anymore email updates on my account which gave me more reason to believe the account this closed. Once I learned that the account was still opened I asked if the fees could be refunded to that account due to the bank not properly getting in contact with me even though they had the more than enough resources to do so. The gentlemen said " unfortunately ma'am, there 's nothing we can do '' I am complaining that this company had MORE than enough information to get in contact with me. Once the direct deposit stopped and I parted with my company. I received no correspondence about the funds in this account. This company had access to an address that I have in XXXX to warn me about the dormant status but never sent a statement or any other correspondence to my XXXX address to inform me of monthly fee that were being assessed on the account. Not to mention, I received a letter asking me to contact the bank. After I contacted the bank the next day and they told me my funds were already sent to the State of XXXX as of XX/XX/XXXX. Therefore, the bank sent false information about the timeframe in which my funds were sent to the State of XXXX. As a consumer I feel very much taken advantage of. I fee like this company purposely waited to the last minute to make use of the contact information they had on file to let me know about the fees they charged and the dormant status of the account. I feel like their unwillingness to refund the fees is not right and they should be held accountable. It 's very ironic that this company has my phone number -- but did n't call me, has my email address -- yet never sent statement information, and has my mailing address but never sent any paper correspondence until the account was in dormant status and over XXXX years worth of fees were taken out. I would like for this company to refund my fees that were assessed to my account and send my funds right away. I am willing to send any and all correspondence as proof of timeframes in which they sent me information.
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| 04/14/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2021, XXXX XXXX restricted my XXXX XXXX XXXX Account, for which UMB Bank is the custodian, meaning that no deposits were honored into the account. This action was taken because XXXX had requested an updated Customer Information Form on XX/XX/XXXX, and my wife & I promptly completed this form for our joint checking account. XXXX had this document on file and it was given document number XXXX.
No written ( or any other kind ) of notice was provided to me or my spouse that the account was restricted.
On XX/XX/XXXX, XXXX my wife 's payroll was sent to the account via ACH direct deposit, and it was rejected and returned to her employer. We promptly contacted XXXX to enquire as to why this occurred, the XXXX Service Rep stated that the Customer Information Form wasn't on file and it needed to be in order for the checking account restrictions to be removed. My wife & I promptly completed this form, for a second time. This form was given the document number XXXX.
On XX/XX/2021 I contacted XXXX XXXX at XXXX again for a follow-up, as the checking account was still restricted and various ACH insurance reimbursements were dishonored and returned to the insurance company. She provided the aforementioned document number, stated that we actually needed to complete the document 3 times, and return it. No notice was provided to my wife or I of this fact. We did so. That document number is : XXXX. I contacted XXXX via phone again and was assured that the form appeared to be correctly completed and indicated that the restrictions would be lifted by Tuesday, XX/XX/2021 and the account would again be allowed to accept ACH direct deposits.
On XX/XX/XXXX, my Social Security Disability ACH deposit was dishonored and returned to the U.S. Treasury Dept. This has resulted in a couple of dishonored checks for which there should have been sufficient funds if the ACH deposits had been accepted and were issued only after I was assured that my ACH would be accepted, and this has resulted in me not being able to pay my bills or basic living expenses. I am attempting to track down the returned Social Security Check in order to pay my mortgage on time- so far unsuccessfully.
To date, no written notice of these restrictions or explanation has ever been provided ; other than by way of calling customer service which said a Customer Information Form with a document number indicated the date of XX/XX/2021 wasn't on file by XX/XX/XXXX and therefore the account was restricted. This form was re-completed with a document date of XX/XX/2021, then again on XX/XX/2021 because we had neglected to complete XXXX individual copies of the form ( I pointed out only one copy was sent ) but as of the date of this letter, XX/XX/XXXX, the account is still restricted and my Social Security Disability check was rejected.
My wife obtained XXXX XXXX in the United States from her native country of XXXX and requests your agency to review the many troubling items in this letter to see if these adverse actions were taken against her due to her ethnicity. I am requesting your agency to review if, as a consequence of having a XXXX or other regulated factor, resulted in the fact that U.S. Treasury payment for XXXX was returned, without cause, notice, and in spite of verbal assurances to the contrary.
Is this type of restriction customary for other XXXX XXXX Account holders? Certainly, it would be interesting to compare the duration of the restrictions that my wife and I experienced to that of other customers ; in spite of turning the requested forms in three times.
This fact pattern is as absolutely unacceptable as it is incomprehensible. And we hope our family is somehow able to pay our Mortgage and other customary monthly bills on time for which we carefully budgeted.
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| 04/26/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I accidentally wrote a check from our XXXX XXXX XXXX account that was not supposed to be written from that account because it took all but a few dollars from the account. The situation is that I am on my father 's account ( he is XXXX this year ) and write checks for him. I accidentally grabbed the wrong check book to write a check for fertilizer and wrote it from this account when I was not supposed to. I was in a hurry, it was an accident. I did not even realize I did it until Monday, XXXX XXXX , 2017 w hen I went to make a deposit for dad. I was actually getting ready to pull away when I thought dad will want to know the new balance and asked for it. I was told the account was short {$110.00}. I explained to the teller that can not be because there should be over {$2000.00}. she said no and said it might be best in I came in. I go in to find that the account was more than {$110.00} overdrawn, that amount was not even correct. I had to wrote another check ( in addition to the original deposit of {$450. 00} ) for {$100.00}. They also explain that they have rejected the electric bill and a check to the IRS. I asked when the check for the IRS came through, keep in mind by this time there are 3 te llers 'assisting ' me. They explain it came through the first time Wednesday, XXXX XXXX , 2017 and was resent 2 days later because that is their policy. I asked why they did n't call us for something that important and I was told it is their policy to not call. All XXXX tellers assured me that they knew it was an IRS check and that it was important, that is bank policy. They also explained they let a {$100.00} check to my brother go through. I said why would you let that go through and not the IRS? Do n't you think that would have given us notification then? They really never gave me an answer. I was told They send a letter. I stated we have not received a letter. They told me that is because it does not go out right away and that we would be receiving it in the next few days. They also went on to explain that there is a {$36.00} per transaction fee. I said why did you let it go through if you know we have not received notification yet and why would you have a policy that allows a check to be reran that quickly when UMB 's knows the customer has NOT been notified. Further more, how hard was it to say something when I was there and why was n't I given the total amount the first time? The manager said the second run for the IRS check was still being processed and in house but since I was not there by XXXX XXXX Monday, XXXX XXXX , XXXX she would not accept it. I asked how I was supposed to know that since I was not notified. I explained that the original check that caused all of this is my fault. I am responsible for the fees for that but the fees and chaos after that is due to gross negligence on UMB 's part. We are doing business with them to protect our money. This is not protecting the customer 's best interest and has cost a lot of money to fix, as of this date I do not know exactly how much. In addition, it is very poor customer service. By allowing checks to hit when the customer is not even aware there is a problem is stealing because of how th e UMB p olicy is set up they will receive a fee each time. Yes, I made a mistake but when UMB makes a mistake, that is all it is and there is no penalty. For examp le, UMB w as deducting {$2.00} a month erroneously last fall. I went in person in XXXX and followed up twice with phone calls for a 4 month period to get this deduction stopped. I was told each time sorry it was a mistake. I take responsibility for the first fee but after that when we were not notified I do not f eel UMB sho uld be able to charge.
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| 02/14/2019 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Fee problem
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Web |
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I have an HSA account with UMB Bank that was set up by my former employer, XXXX XXXX. I had no choice in using UMB Bank for my HSA. As you can see in the transaction log below, UMB Bank has appropriated to themselves over {$200.00} from my savings account in fees over the past two plus years. My account started with {$1000.00}. I have never made a transaction against the account. My current account balance is {$790.00}. They have taken my money by charging me a {$3.00} per month service fee on the account ( 6 % of the principle every month ) for no reason whatsoever. The used the title of " Online Payment # XXXX '' for these monthly service fees to disguise their nature. These were not online payments to a third party. They were UMB Bank taking money out of my account for themselves. They added this fee after XXXX opened the account for me. They also started, without my knowledge or consent, charging a {$1.00} per month fee for a paper statement ( statements which I never asked for but they decided to send ). This is just theft. I am being charged fees, with were added ex post facto without my knowledge or consent, that have eaten over 20 % of the principle in a savings account which I have never used. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Description Date Status Withdrawal ( - ) Credit ( + ) Balance Online Payment # XXXX TX XX/XX/XXXX XX/XX/XXXX Pending {$3.00} {$790.00} INTEREST XX/XX/XXXX Posted {$0.00} {$790.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$790.00} PAPER STATEMENT FEE XX/XX/XXXX Posted {$1.00} {$790.00} INTEREST XX/XX/XXXX Posted {$0.00} {$800.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$800.00} INTEREST XX/XX/XXXX Posted {$0.00} {$800.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$800.00} INTEREST XX/XX/XXXX Posted {$0.00} {$800.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$800.00} PAPER STATEMENT FEE XX/XX/XXXX Posted {$1.00} {$810.00} INTEREST XX/XX/XXXX Posted {$0.00} {$810.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$810.00} INTEREST XX/XX/XXXX Posted {$0.00} {$810.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$810.00} INTEREST XX/XX/XXXX Posted {$0.00} {$820.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$820.00} PAPER STATEMENT FEE XX/XX/XXXX Posted {$1.00} {$820.00} INTEREST XX/XX/XXXX Posted {$0.00} {$820.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$820.00} INTEREST XX/XX/XXXX Posted {$0.00} {$830.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$830.00} INTEREST XX/XX/XXXX Posted {$0.00} {$830.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$830.00} PAPER STATEMENT FEE XX/XX/XXXX Posted {$1.00} {$830.00} INTEREST XX/XX/XXXX Posted {$0.00} {$840.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$840.00} INTEREST XX/XX/XXXX Posted {$0.00} {$840.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$840.00} INTEREST XX/XX/XXXX Posted {$0.00} {$840.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$840.00} PAPER STATEMENT FEE XX/XX/XXXX Posted {$1.00} {$850.00} INTEREST XX/XX/XXXX Posted {$0.00} {$850.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$850.00} INTEREST XX/XX/XXXX Posted {$0.00} {$850.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$850.00} INTEREST XX/XX/XXXX Posted {$0.00} {$860.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$860.00} PAPER STATEMENT FEE XX/XX/XXXX Posted {$1.00} {$860.00} INTEREST XX/XX/XXXX Posted {$0.00} {$860.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$860.00} INTEREST XX/XX/XXXX Posted {$0.00} {$870.00} Online Payment # XXXX TX XX/XX/XXXX Posted {$3.00} {$870.00}
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| 07/31/2016 |
Yes |
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Web |
Older American |
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I had a XXXX XXXX Visa Credit card ending in XXXX. I authorized an amount of {$4.00} on XXXX/XXXX/16 towards S & H of a free sample of a product online to a Company ( I do n't remember the name ) on XXXX/XXXX/2016. A charge of {$4.00} was debited to my account charged by XXXX with a contact number XXXX XXXX.
2 ) A charge of {$59.00} was debited to my credit card-Transaction date XX/XX/XXXX posted on XXXX/XXXX/2016 paid to XXXX with a contact number XXXX XXXX. I called the number and my call went to what sounded like a fax machine. I could not get any information about this unauthorized charge. I disputed the charge by submitting a Dispute Form sent by UMB-Visa.
3 ) A XXXX charge of {$59.00} was debited to my credit card-Transaction date XX/XX/XXXX posting XXXX/XXXX/16 paid to XXXX contact number XXXX XXXX. Again I called this different contact number and got a different tone which sounded like a computer generated dial tone. I could not speak to any body to get details of this unauthorized charge. Once again I disputed this charge in the same manner as in 2 ) above, giving all the information. And suspecting that my card may have been compromised and to avoid any more unauthorized charges, I also requested that the Card ( XXXX ) be cancelled and a new card be issued. Which I did get. ( ending in XXXX ).
4 ) In response UMB Visa responded stating quote : " During our investigation, you will see a provisional credit on your account for {$59.00} X XXXX dated XXXX/XXXX/16 '' These credits of {$59.00} X XXXX were posted to my account on XX/XX/XXXX and XXXX/XXXX/16 by UMB-Visa.
5 ) On XXXX XXXX, 2016 UMB-VISA in a letter informed me that : Quote : " The disputed charge for {$59.00} X XXXX from XXXX, XXXX for which your Account was given provisional credit in the amount of {$59.00} X XXXX on XX/XX/2016 has been returned to us by the merchant to be rebilled to your account. The merchant believes that this was a valid charge. Given the position taken by the merchant and the information available to us we have concluded that no error occurred on the Account. As a result, please be advised that the provisional credit for {$59.00} X XXXX applied to your account on XXXX/XXXX/16 will be reversed on XXXX/XXXX/16 '' End Quote. Further, it was stated in the letter, Quote : " I you would like to review the documents that we relied upon in making our determination with respect to your claim, please contact us by mail at XXXX XXXX XXXX XXXX XXXX or by telephone at XXXX. I called several times and could NOT get any one on the line to speak to and left several messages as per the recorded message, requesting the documents that they relied on. I did not any response nor any documents requested.
6 ) In order to get a responses I authorized XXXX XXXX, Attorney in XXXX XXXX to pursue the matter. XXXX XXXX sent a letter on XXXX XXXX, 2016, ( once again ) requesting the documents. As of today 's complaint ( XXXX XXXX 2016 ), there has been no response to my Attorney 's request in writing either.
5 ) On XXXX/XXXX/2016 my new Card ( XXXX ) was charged with XXXX transactions Description : Reverse temporary Credit XXXX XXXX in the amounts of {$59.00} each ( total {$110.00} ).
XXXX ) In addition to the abouv, the following XXXX strange unknown transactions appeared on my Visa card : a ) Adjustment-Purchases date XX/XX/XXXX Posted XX/XX/2016- Amount : ( - ) {$59.00} b ) Adjustment date XXXX/XXXX/16 Posted XXXX/XXXX/2016 Amount : {$59.00} I am very concerned about these unauthorized transactions and the lack of proper response for an explanation and documentation to support these transactions. And I am now constrained to file a Complaint.
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| 05/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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VICTIM OF FORGED CHECK. Our firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA ) has an account with XXXX XXXX ( XXXX ) and check writing account with UMB Bank , National Association ( UMB ). Our firm was victim of a forged check. The forger stole from the US Mail our envelope with a check. The forger washed the ink from the check ( per XXXX County police ), changed the payee, increased the amount of the check from {$150.00} to {$9800.00}, and forged my signature. The forger negotiated the check, and UMB improperly honored the forged instrument. UMB improperly debited our bank account on or about XX/XX/XXXX. On XX/XX/XXXX, I reported to XXXX the forged instrument. The theft was reported to XXXX County police and the US Postal Inspection Service . Both agencies confirmed that theft of checks from the US mail has been on the increase nationwide. Indeed, XXXX issued an alert on XX/XX/XXXX to all banks to notify them that same scheme ( involving theft of checks from the US Mail that are forged and negotiated at banks ) was occurring nationwide. See copy attached.
NO NEWS FROM UMB. - Since then, I have received no information from UMB or XXXX as to the status to credit the stolen funds to our account.
THE FORGERY IS UNDISPUTED. Neither XXXX nor UMB has never raised a single issue or expressed a concern. The forgery is undisputed. The negligence of UMB is undisputed for processing and paying a forged check. The responsibility of UMB and XXXX is undisputed for this loss.
XXXX WASHES ITS HANDS OF THE PROBLEM AND POINTS ITS FINGER AT UMB.- On XX/XX/XXXX, XXXX XXXX XXXX of the Executive Office of XXXX advised me that it can not do anything other than to wait for UMB to conduct its investigation and make a decision. It stated : At this time, we do not have an update on the investigation of altered check number XXXX. While I understand this can be frustrating, there are set rules and timeframes in place to allow the bank to complete an investigation ... You will be contacted as soon as a determination is received from UMB Bank on the case This issue has been escalated to the highest level, and I regret that we can not expedite the timeframe of the investigation, nor is there an exception to the policy and provisional credits for a forged or altered check.
UMB REFUSES TO RESPOND. My efforts to reach the fraud or security division of UMB hit a brick wall.
I asked to be connected with the fraud or security division. I was told that no calls can be transferred to that division.
I asked for the fax number. I was told that there is no fax number available for that division.
I asked for an email. I was told that there was no email for that division.
XXXX ADMITS THAT IT HAS NO CLUE ABOUT THE PROGRESS OR STATUS OF UMBS REVIEW OF THE CLAIM.- On XX/XX/XXXX, in response to my inquiry for an update, XXXX XXXX XXXX of XXXX responded as follows : I acknowledge that this is not the response you are hoping for, and I can absolutely understand your frustration. Please know that XXXX does not receive updates during the investigation, and we do not have a way to expedite the matter. We will be notified once the investigation has been completed.
More than 120 days have lapsed, and so far nothing has been done.
Our firm did nothing wrong. But XXXX and UMB did. The bank was negligent. The bank screwed up. The bank cashed a forged instrument. The bank was taken by the forger. And XXXX allowed the bank to debit our account with a fraudulent transaction, and XXXX refused to reverse the debit.
WHY DOES XXXX SUPPORT THE ABUSIVE TACTICS OF UMB? - It is puzzling to understand why XXXX supports and allows the abusive tactics of UMB.
|
| 05/31/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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This is a complaint against UMB Bank, at XXXX XXXX XXXX XXXX XXXX, MO.
A UMB 's Floating Personal Banker III, named XXXX XXXX, emailed me for an updated phone number regarding my checking account on XX/XX/XXXX and I replied to her immediately. Over the phone, she suggested that I make some account activities, as my account has been charged a service fee of {$7.00} per month for inactivity since XX/XX/XXXX. It was the first moment that I realized my account has been treated as inactive account and subject to the service fee.
I immediately argued that I was never notified of such a status change and the service fee which I could have easily avoided if I was aware of. Ms XXXX explained that they had attempted to reach me by my mailing address on record but were not successful. However, if the mail was returned, they should send the letter via my email on record as well. I disputed that this is an unfair practice of UMB, as my other banks would always send me a specific letter or email to inform me of a change to my account that they are going to make.
I filed a complaint with XXXX against UMB, because I believe the way UMB is charging service fees on my account is very unfair and violating the federal law, Truth in Savings Act as well. The TISA ( Staff Commentary 12 CFR 1030.7 ( a ) ( 1 ) -6 ) clearly stipulates that Institutions must pay interest on funds in an account, even if inactivity or the infrequency of transactions would permit the institution to consider the account to be inactive or dormant ( or similar status ) as defined by state, other laws, or the account contract.
In addition, the regulation of TISA is to enable consumers to make informed decisions about t
heir accounts at depository institutions through the use of uniform disclosures. Unfortunately, UMBs intention appeared to avoid informing me of the important changes of fee schedule and to prevent me from making informed decisions so as to profit from my savings, because they could always reach me through email, even though my mailing contact was outdated.
In response to my complaint through XXXX, UMB claimed that changes to inactivity and dormancy charges were disclosed in the XX/XX/XXXX account statement, and an inactive account notice was mailed to my address of record on XX/XX/XXXX. As evidence, they provided a copy of both the account statement disclosing the change in account terms and the inactive account notice.
Surprisingly, UMB is so corrupt that it uses fabricated evidence in the response as an attempt to pretend that it has fulfilled the general disclosure requirements mandated by Truth in Savings Act ( TISA ). The date, recipient address, and the account ending information on the copy of the letter were NOT original but was later added into the image using photoshop or other pdf editing software, indicating that UMB didnt have real evidence for ever sending the letter but it nevertheless used deception to make their case.
In sum, my complaint is based on my belief that 1 ) UMB has violated TISA by charging inactive and dormant fee and by not enabling customers to make informed decisions.
2 ) UMB doesn't make an effort to protect its customer 's rights through effective communication.
2 ) UMB is motivated to exploit its customers for inactive and dormant service fees.
3 ) UMB can not justify the cost of inactive and dormant service fees in that an inactive account doesn't increase UMB workload.
4 ) UMB does not respect the spirit of contract by charging my account for a reason without agreement.
|
| 04/09/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
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|
Web |
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Summary : Upon receiving my request to close my UMB HSA and transfer the funds directly to my XXXX HSA, UMB closed the account and claims to have mailed a check for {$41000.00} to XXXX. However, XXXX has not received that check as far as they can tell, and UMB says that there was no tracking number. Further, UMB says that I have to wait 30 BUSINESS DAYS ( 6 weeks ) before they will cancel and reissue a check, with no assurance that the next check will fare any better. I asked them to confirm the XXXX account number that they included along with the check in the instructions to XXXX, and they said that they would forward my request to " management '' who will " research '' the issue. They have not responded in the timeframe they gave me during my conversation with the customer representative. I am filing this complaint to try to get some traction on the problem, as well as to call out the shoddy practices used by this company. If they are mailing a check, they must be able to track it. But a more basic question is why isn't UMB using some of the exorbitant fee ( {$25.00} ) they assessed to close my account to transfer the funds via EFT through the Automated Clearing House ( ACH )?
Secondary issue : They did not include accrued interest that had posted on the same day that they closed the account, reversing the transaction instead.
Detail : XXXX XXXX processed my Transfer of Assets ( TOA ) request to transfer all cash funds from my UMB HSA account to my XXXX HSA account on XX/XX/2021. The XXXX site shows that they forwarded the paperwork to UMB the same day. Estimated completion at the time was supposed to be 3/22/2021.
I called UMB HSA customer service on XX/XX/2021 to check in on the progress. The UMB customer rep indicated that they received the paperwork on XX/XX/2021, and that they mailed a check for {$41000.00} to XXXX on XX/XX/2021 ( Check # : XXXX ). The rep could not provide a tracking number to confirm or refute this. The address they said it was mailed to seems correct ( it was the same address that I mailed my initial paperwork to get the transfer started ).
XXXX still had not received the check by XX/XX/2021, so I called UMB HSA customer service again, specifically to confirm what XXXX account number they had included in the instructions mailed with the check. The rep said that she did not have that info and would open up a research request and have someone contact me within 2 business days. She also stated that they could not cancel and reissue a check until 30 BUSINESS DAYS ( 6 calendar weeks not counting holidays ) after they received the paperwork. The paperwork was received on XX/XX/2021, so I would have to wait until at least XX/XX/2021, with no guarantee that another check won't meet the same fate.
I did not get the promised call or email within 2 business days, so I called UMB HSA customer service again on XX/XX/2021. I explained that I was promised a call back with the account number information I had requested, and the rep said that she would immediately contact " management '' to get an answer to my question while I waited. She came back on the line and said that " management '' was busy, but that they would call me back in the afternoon. No call has been received.
Meanwhile, I checked the transaction log on my closed UMB HSA ( still accessible through XXXX ) and noticed that on the day that UMB had closed my account ( XX/XX/2021 ), I had received {$2.00} in interest that was explicitly reversed rather than being included in the transferred funds.
|
| 04/27/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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This is a complaint against XXXX XXXX , United Missouri Bank ( UMB ) and XXXX XXXX XXXX . On XXXX XXXX , XXXX , I had written and mailed a check for {$250.00} as payment for one of my credit cards. I mailed the check at a post office mailbox at the post office. On XXXX XXXX , XXXX , we received a voicemail from the Fraud Departme nt of XXXX XXXX XXXX asking to verify if we had written a check for {$9200.00} to XXXX XXXX . My husband called and left a voicemail for XXXX XXXX XXXX stating we had not written that check. The same day, we called XXXX XXXX twice to report the discrepancy and fraud. The representatives told us that they will forward this information to the Risk Department and that we needed to file a police report and they would be mailing an Affidavit for us to fill out. When we received the Affidavit, it also included a copy of my check that shows the alterations to the Payable to and the amount of the check. XXXX Risk Management department stated that they were forwarding the clai m to UMB ( the b ank that handles their Cash Accounts ). Per UMB, w e were not entitled to the refund for {$9200.00} due to untimely reporting, the repeater rule and the altered check is signed by an unauthorized signer. XXXX Risk Management then referred us to cont act Client Services to get a refund. On our initial request, Client Services stated that they were not responsible to give us the refund and referred us back to Risk Management. We went to a XXXX branch in XXXX and explained our Claim to one of the branch representatives. We were referred bac k to Client Services to se nd our request for a funds to be refunded. We mailed the second request to Client Services XXXX XXXX , XXXX . In XXXX XXXX , XXXX , we received a response from Client Services stating that we are not being covered by our Protection Guarantee, because the check was written by someone other than the account owner or an authorized person. Per the XXXX letter, they are pleased to offer a credit of {$4600.00}. First of all, we had sent in my ( the primary accountholders wif e ) s ignature card back in XXXX , as was directed by a XXXX representative. The XXXX representative had stated that a signature card was sufficient to add my name as an authorized user. After mailing my signature card, we ordered preprinted checks that show both my husband and my name on the check. All the checks I have written since XXXX are mostly under {$500.00} with the exception of XXXX check that was written for {$1700.00}. Our account has been in good standing and we have not disputed any checks since establishing our Cash Account. Most importantly, we notified both XXXX XXXX and XXXX XXXX XXXX in a timely manner regarding the fraudulent check. But despite all this, XXXX XXXX XXXX Fraud Department cashed a questionable check within le ss than 3 b usiness days and XXXX XXXX released the funds without verifying the validity of the check. Attached are the pertinent documents related to this claim that has been ongoing for over 6 months now. We did not request a refund for {$4600.00} but are requesting a refund for the full amount of {$9200.00} for funds that were withdrawn from our account without our knowledge and for a check that was altered without our authorization. We have followed XXXX instructions to file the claim and have been referred from one department to another without a satisfactory resolution.
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| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
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I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( XXXX ) and the Person ( XXXX XXXX XXXX a violation of 15 USC 1681a the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned.
( XXXX XXXX has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date. CFPB XXXX XXXX XXXX XXXX XXXX XXXX for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts XXXX will pay more than {$100.00} million to harmed consumers, and {$150.00} million in penalties to CFPB and Office of the Comptroller of the Currency XX/XX/2023 XXXX harmed hundreds of thousands of consumers over a period of several years and across multiple product lines and services. Specifically, XXXX XXXX XXXX a double-dipping scheme to harvest junk fees : XXXX had a policy of charging customers {$35.00} after the bank declined a transaction because the customer did not have enough funds in their account. The CFPBs investigation found that XXXX double-dipped by allowing fees to be repeatedly charged for the same transaction. Over a period of multiple years, XXXX generated substantial additional revenue by illegally charging multiple {$35.00} fees. My account with XXXX was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family!
I need the late payments Deleted : USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Delete Your truly XXXX, XXXX
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| 01/03/2017 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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on XX/XX/2016 I ordered a t shirt online from a company called XXXX. I paid {$28.00} with XXXX. About an hour after I ordered I tried to cancel the order. I tried to call the phone number shown on the XXXX transaction history. There was a different number on the companys web page and I called that. Neither line worked. I tried to email them with me response. As far as I was concerned this was not a legitimate business. I went to my bank to file a dispute, since the item was paid for on my debit card through XXXX. They told me I had to go through XXXX. So I did, and after 10 days the case was resolved in my favor. I had to wait those 10 days before the money was refunded to me. The refund was processed on XX/XX/XXXX and credited the full {$28.00} to my XXXX account. I then transferred the funds to my checking account. During this time, several checks were returned for Insuffiecent Funds, due to the waiting period I was made to take during the process. I took all the information to my bank and showed them how it was ruled in my favor. I was asking for those NSF 's to be reversed and my account corrected. They refused to do so, telling me it was not their responsibility. They gave me such a runaround I got very frustrated and did not contact XXXX. But the transaction was paid for using my debit card, so in my opinion it is the banks responsibility to refund those NSF s and straighten my account. My checking account has been in an uproar. ever since that time. I did not know this place existed or I would have filed a complaint against the bank sooner. This bank has given me the runaround several other times on similar matters. On XX/XX/2016 I tried to make an ATM deposit at approx. XXXX to coer what I knew whould be a charge coming through. The ATM was closed. I went back about XXXX and the ATM was still closed. The message on the screen said to go to their other locations. This bank has closed XXXX local locations with in the past year or two. One was just closed a month prior to my experience. The closest AT was in XXXX, IL and I did no t even know where in that town. It was about 15 miles away and I am not that familiar. I took a photo of the ATM screen and then the clock in my car showing what had happened. I deposited the money on the XXXX, but of course it was too late and I had an NSF. I called the bank to explain and get that corrected. I told htem I had the photo. They told me that the ATM being shut down was " out of their control '' and not thier responsibility. It was the responsibility of the company that runs /services the ATM. Then I was told, " If I had a transaction to cover, I would have done everything I could havr to get it done '' telling me it was my fault I did not go to XXXX, IL to that ATM. I do n't know where it is located and anyway it is unreasonable because they recently closed the only branch left near my town of XXXX. So this bank has a history of trying to get out of refunding NSFs. I think they need to be investigated.
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| 01/03/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Bounced checks or returned payments
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Web |
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All contacts were with customer service XXXX.
XXXX I have a closed checking account at UMB and an active checking account. I was scheduled to receive a direct deposit into active account from XXXX XXXX. However, XXXX XXXX misdirected the funds of {$1000.00} into the closed account. I contacted UMB on conference call with XXXX XXXX, at which time it was explained by UMB representative that the funds were not being reflected. And since account was closed it would revert back to originator automatically. I should confirm receipt of the funds with originator in 5 business days.
XX/XX/XXXX- Contacted UMB because XXXX XXXX hadn't received the funds. I was instructed that since the account was closed the funds were being forwarded back to me at my home address as a check. Should arrive within 5-7 days.
XXXX Contacted UMB and was advised a check wasn't being mailed to me, but to XXXX XXXX and it had been processed on XXXX, so regular mail should have it there within 7-10 days.I requested a reference number or tracking number and was told nothing like that was available.
XXXX I called and spoke to XXXX XXXX customer service who gathered the following information. The accounts receivable department had deducted {$8.00} from original direct deposit of {$1000.00} and I would be receiving by mail {$990.00} which was being sent via registered mail based on the dollar amount. This check has already been mailed and I should receive by XXXX, XXXX. She provided reference # XXXX. She was the only thorough person during this process.
I explained to XXXX, I am traveling for work and wouldn't be back in the area for over 60 days. Otherwise, I would have tried to have this addressed at local branch in XXXX XXXX, TX. Also, I advised that I was unsure if I could get someone fto pick up mail. So she advised the check would be resent to my temporary address, if not received by XXXX, XXXX. I asked XXXX to find out from Accounts Receivable why this process has taken nearly 30 days to resolve and she was told, they have 14 days to process the transactions.
XXXX I contacted UMB customer service and requested a supervisor. I was transferred to XXXX. After reading the notes, XXXX advised me a stop payment would only be completed after XXXX, XXXX and the check was sent regular mail. I should contact them again on XXXX XXXX, XXXX. I requested of XXXX that thorough documentation including my frustration with the timeline, the extreme miscommunication and my dissatisfaction with the EXTREMELY poor customer service, I had received EXCEPT for XXXX 's assistance on XX/XX/XXXX. I have contacted the FDIC, who refered me to Consumer Finance. GOV for assistance.
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| 07/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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Discrimination of honoring my Promotion and refusal of a Management complaint!
All is recorded!
On XX/XX/XXXX I called 3 times to speak with 3 different customer service representatives that were available and ready to assist me with my Balance Transfers in regards to the statement I received. With the XXXXrd representative she took all of my information over 17 minute call and stated allow up to two weeks for the banks to receive the checks, that was it!!!! Whats disgusting and disturbing after to speaking with 3 customer service representatives about my offer 0 % interest rate with a 3 % balance transfer one time fee, ready to process stating its still available with no problems on XX/XX/XXXX XXXX XXXX Employee ID # XXXX calls me. I have two voicemails and we both have recorded conversations between her and I on today! Its unprofessional for her to call me to inform that XXXX XXXX her manager states, he will not accommodating my Balance Transfer after the representatives stated, it was available on XX/XX/XXXX the only problems that could occur is if I gave them the wrong credit card number & address information ( thats it thats all ). Nothing in the recordings from the representatives state the promotion has ended or will be a issue if it has ended!!! This is the second time UMB has stated something is offered to me and I was lied to. Its unprofessional and deceiving that Ms. XXXX and XXXX XXXX did not honor the transfer I am exhausted and disturbed by this whole unprofessional/unorganized staff! I dont work for UMB and should not spend hours of my day going back and forth with a deceitful management team that lacks leadership, empathy, training and honesty! I asked several times on the recorded calls for higher management where I can have a conversation with this matter and was deceived that one would call me and didnt! I have on recording where MsXXXX XXXX states I can waive the 3 % balance transfer fee with a high APR rate, but not give you the 3 % balance transfer fee 0 % interest rate to XX/XX/XXXX, but earlier in the conversation you cant offer me anything again the lies/deceit! Dont insult me with ignorance I am requesting my promotion again the full promotion. Nothing less or they close my card without any negativity coming against my credit ( I know that a customer can be penalized for just closing their own credit card ; therefore UMB staff can close with ANY negativity reflecting a impact to my credit card they can close it )! I will never ever refer anyone to using or applying for this card because these people discriminate and take no accountability with their lack of customer service or promotions!
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| 08/10/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I had a Health Savings Account, " HSA Account # 1, '' at UMB Bank as part of an insurance plan with my former employer, a XXXX. When I left my job at the XXXX, I retained HSA Account # 1. I started a job with a XXXX XXXX. Through my XXXX XXXX job, I had a second HSA health plan, which also used UMB Bank as trustee for the HSA.. That resulted in me having a second HSA, `` HSA Account # 2, '' at UMB. On XX/XX/XXXX, at my direction, UMB closed HSA Account # 1 and contributed {$1200.00} into HSA Account # 2. HSA Account # 2 should have had some amount at that time. My Form 5498-SA reflected a balance of {$710.00} at the end of XXXX.
I have since left my job with the XXXX XXXX. I would like to transfer the amounts from HSA Account # 2 into a new HSA account I have under my new insurance plan. However, UMB Bank can not " find '' the funds in HSA Account # 2.
I have spoken to UMB customer service twice, with no resolution. The first time, on approximately XXXX XXXX, XXXX, they told me that had to do some " research '' and they would call me back. They did not call me back. I spoke with them today, XXXX XXXX, XXXX, and had not figured out where my funds are. They said that HSA Account # 2 was terminated. At what point they said it had a XXXX balance, and at another point they said there was {$970.00}. In neither case could they advise on what actually happened with the account, how it showed the balance they were seeing, or how I could transfer the funds to my new HSA. They wanted again to hang up and do more " research. '' But I do not believe that they would actually do that and get back to me. I was then put on hold when I asked to speak to a supervisor. I could not remain on hold long enough, and had to hang up. All told, I have spent nearly 2.5 hours on the phone with UMB and they can not tell me where my money is.
Nor could they advise me on how to access my account information online for HSA Account # 2, so I could attempt to verify their information. They said that I had to contact the insurance company, but I had done that and they told me to contact the bank. Moreover, the bank clearly is the trustee on my account -- they do not dispute that, and that is what my Form 5498-SA says.
So what I need is : 1. A detailed transaction ledger for all of my HSA funds at UMB Bank, regardless of account. I need to be able to verify what happened to my money.
2. Clear instructions on how to transfer my UMB HSA funds into my next account.
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| 03/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I have been a consumer with UMB Simply Rewards since XXXX. Make all my payments on time, pay my balance in full each month. Good credit.
In XX/XX/XXXX, I needed to switch my payment bank account information, as my old bank was closing. I could not figure out how to do this on the useless web portal and ended up calling customer service multiple times to ( I thought ) sort it.
In XXXX, my old bank was charged for the new balance. I had to sort this through my old and new bank, and called UMB to get it paid immediately. At this time, they said the new bank was not on my account so I had a CSR help to put this on and I was told my automatic payments were set and ready to go. I was told that my old bank account information had been deleted from their system.
In XXXX, I get a letter from UMB saying that my payment failed because I tried to pay from a closed bank account ( this would be the one I had been told was deleted! ). After spending much more time talking to multiple CSRs, I was told that it had been resolved, I authorized an immediate payment, all should be set.
Since I had wasted about 4 hours on the phone already, I decided that, by XXXX, I wanted to spend down my rewards balance and be done with it. Surprise surprise when I tried to sign into rewards, I could not. After bouncing through 3-4 more CSRs, I was told that my account had been closed! Some more CSRs later, I was told it was not closed, but would need to call back before XXXX p.m. to speak with someone useful.
So I called again, at XXXX p.m. XXXX, today, XX/XX/XXXX, only to be put on hold for XXXX minutes and then told that I needed to speak with the XXXX XXXX department, and they were only available until XXXX p.m. Central time.
I am concerned that this company is : Inappropriately retaining financial information that I have requested they delete from their servers Holding my rewards balance XXXX, when this was a clear agreement of our previous terms Purposely providing poor and limited customer service in order to hold this reward balance Going to mess up my credit despite my best efforts to pay them what they need Meanwhile, I have made my payments, and I have $ XXXX in rewards awaiting that I suspect will be more hours on the phone to access. I hope everyone reads this and chooses never to do any sort of banking with XXXX in the future because they are the absolute worst bank/credit card financer I have encountered in my 20 years of finance and credit.
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| 09/07/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2023 I received a text asking if I had purchased {$700.00} at a XXXX XXXX I then received text asking if I had spent {$230.00} at XXXX XXXX restaurant. Immediately I responded to these and said no that was not me. These charges were made in Florida and I live in XXXX California. XXXX has been terrible accusing me I feel of being the one who has done this. I am now homeless because of this and they have not responded to anything I've requested today XX/XX/2023 they told me the case is closed and that I should not expect any reimbursement for the {$980.00} that was fraudulently charged to my debit card. I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding this situation. XXXX has had no compassion and have told me on numerous occasions that they could no longer do business with me and that all of my accounts would be closed immediately. I have followed every rule or order that they have asked me to do I have gone into the branch provided them my social security card along with my debit card and my California driver 's license. There are so many things on my cash management account that are unexplainable. Deposits in the amount of {$11000.00} and one for {$4000.00} that I have no clue what they are and they show rejected and were made on the mobile app. There are so many discrepancies and XXXX would not talk to me any further today when I talk to the representative about a direct deposit from Social Security XXXX he told me that there was no attempt made. I've spoken with Social Security on two occasions and they have reassured me yes they did make the attempts to deposit the check at XXXX. They are now doing a tracer on my deposit. XXXX has left me homeless I lost my apartment because I could not make a payment I'm going to lose my storage because I can not make a payment my credit has gone down tremendously because I can not make credit card payments. XXXX has treated me terribly and I have never had problems with them before. Please help me I'm desperate I am homeless and I am scared. I'm a XXXX XXXX XXXX man with a XXXX XXXX and have already had XXXX XXXX XXXX and undergone XXXX XXXX XXXX XXXX XXXX. Please help me to recover this fraudulent money that was never reimbursed to me. I've never had any problems with XXXX up until now, and I am so upset with their lack of compassion. The left doesn't know what the right is doing and the fraudulent team have not helped at all. Please help me recover this money.
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| 04/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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Around XX/XX/2022, I called UMB Bank attempting to close my account. I was told the account closure process over the phone usually takes a few days to process and mail a check to my address. I was in no rush for the funds, which totaled somewhere around {$800.00} and {$1000.00}. Before my account was to be closed, I informed the phone representative of a new address not on file with UMB.
Knowing our current mail system, I was informed 7-10 business days for receiving a check.
Around XX/XX/2022, I've yet to receive the check, but I actually received my final statement showing my account was closed. It was addressed to my old address but was forwarded to my new address since I changed my address with the post office. Finding that odd, I called UMB asking where my check was mailed to since it would've made more sense to receive the check before the final statement. I was assured that despite my statement going to the old address, that the check was addressed correctly to my new. I was told to give it another week.
A week later, still with no check, I called and was now told it went to the old address but was still not cashed. Was told to wait another week.
Called again a week later, now being told it went to the new address. I was now told that since it was a cashier 's check, I have to wait 90 days before I could have the check reissued. Knowing my hands are tied, I confirmed the exact date I would be eligible and was told XX/XX/2022 which was more than 90 days from when I initially requested to close my account. Again, hands tied.
Now, XX/XX/2022, I call and the representative I spoke with gave the impression it went to the old address. Regardless, it doesn't matter since it should now be eligible for reissue. I'm now getting the " runaround '' as they try to find this check. Again, it shouldn't matter at this point. I stressed that I would like to come to an office to pick up a check, in fear of this happening again. I was informed that since my account was closed over the phone, I only could receive a check via mail. I find this completely unacceptable and my request is 100 % reasonable because a cashier check is drawn off an institution account so whether I receive a check via mail or in-person should not matter at all. They have been holding my money for months with different representaives giving different answers all along this way.
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| 05/11/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Fee problem
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Web |
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I received a letter on XX/XX/XXXX from UMB Bank ( which was a surprise since I have online banking & e-statements ), which stated that my savings account was changing to dormant status because I hadn't done any transactions in 18 months. ( Bad that I didn't transfer to it, but good that I didn't use it! ) Anyway, the next day I logged into my account to transfer from my checking, and I see that they charged my savings account a maintenance fee of {$25.00} each month for the last 3 months! The furthest my statement history goes back is XX/XX/XXXX, and sure enough, UMB has been stealing {$25.00} a month from my savings account!
Of course I immediately called the bank, and the lady in the Customer Service Department was nice, but she couldn't help me over the phone. She ended up getting my original location on the phone, which I neither work nor live near, and the lady said she could only refund the most recent 3 months, {$75.00} worth of charges. She was able to research it a bit though, and found out that UMB got rid of the savings account I signed up for originally, initially grandfathered my account, then ended up getting rid of the grandfathered accounts and put me in an account that had to have $ XXXX in it, or they charge {$25.00} a month. I asked her for a copy of this letter since I had never received it, and I can't look at my history before XX/XX/XXXX, but I haven't heard back from her yet, so I still don't know how long they have been financially raping me.
I was in XXXX for 16 years, and I am well aware of the greed of banks and their inflexibility when it comes to waiving overdraft fees. That stinks, but I get it at the same time. However, in this situation, I did nothing wrong, other than not logging in and looking at my savings statements. I'm sorry, but I TRUSTED UMB Bank with my money, and they decided to change my account guidelines and charge me a substantial monthly fee, then refused to give me my money back, and for that, I am repulsed.
The lady at the XXXX XXXX location, I believe her name was XXXX or something like that, was only able to refund {$75.00} of the hundreds of dollars UMB stole from me ( I don't even know how much since I can't access my history ).
Anyway, I would appreciate any help you can provide!
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| 12/21/2019 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Fee problem
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Web |
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UMB Bank took my XXXX down to XXXX through their monthly fees ( XXXX XXXX -- XXXX Now I understand why you helped create the CFPB, thank you ) I had a company sponsored XXXX Savings Account XXXX XXXX XXXX where I had deposited over {$3000.00} pre-tax dollars through payroll deductions. My employer plan was through UMB bank ( https : //onlinebanking.umb.com/ ). This was not my choice, but rather the bank my company worked with to facilitate this XXXX benefit.
When I left my company for a job at a new company, I kept my XXXX account. I did not receive any paper documentation, but just an email from UMB for me to register for an online login. I was not notified of any changes or fees within my XXXX. I continued to use the check card associated with my UMB XXXX account.
After 16 months, I noticed a {$2.00} monthly charge on my account. The fees added up to over {$50.00} without me ever opting in to this setup In seeing these fees that were slowly clearing out my XXXX savings, I contacted XXXX XXXX on the services team at UBM and walked him through the issue ( XXXX ). Within 7 days, XXXX XXXX, a Senior Rep at UMB, Kansas XXXX, contacted me and said that even though I was unaware of the fees, the most she could do would be to refund me for 3 months worth of fees. I know have {$9.00} left in the account, and have been told that for a {$25.00} fee they can roll this remaining amount into my XXXX with my new company.
I inquired and UMB has not been able to produce a record of me agreeing or notifying me of the monthly fee that was placed on my health savings account. They had me file a research request and may mail me something or contact me in the next 30 days. If I were not to catch this, rather than these pre-tax dollars going to my families XXXX, they would have been eventually been taken in full by the bank.
I believe this was misleading and I feel violated as both a customer of XXXX and discouraged because I thought I was following all of the rules and policies. If I had known of this fee, I would have rolled the funds into my new company managed XXXX account at another bank, where my savings are actually growing and I am not charged a monthly fee of {$2.00} to hold my savings.
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| 08/30/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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On or around XX/XX/XXXX, I found out after our account was negative {$5000.00} that my daughter was a victim of a scam / fraud. She was offered what she thought was a job by a friend of hers she trusted, and who claimed to also have this job promoting a clothing company in XXXX IL using social media. She was to post about the clothing line / products via XXXX - " XXXX '', which she did. She received payment totaling around {$8400.00}, deposited into our custodial account in which both our names were listed. The individual she was dealing with called to inform her she had to pay a XXXX % " marketing fee '' on her income. After several very persistent texts, he had her withdraw and wire the {$2000.00} " fee '' to him. He said to tell anyone who might question this she was sending money for funeral expenses. Then he told her to avoid XXXX XXXX charges on future income, he could withdraw the funds from her account directly. Obviously this was a scam on a kid who was trusting and naive, who saw a 'get rich quick ' opportunity, and trusted this " friend '' who lured her into this mess. The friend turned out to be a stranger who forged a XXXX account, and my daughter never knew it until afterwards. Our account had transactions from XXXX & ATM withdrawals in XXXX, we live in XXXX XXXX, MO. She never gave permission for XXXX transactions or ATM withdrawals, she thought that she 'd only be paying once she received future paychecks. The charges were as follows : XXXX at XXXX for {$1000.00} each, ATM withdrawals of {$400.00}, {$100.00}, {$300.00}, {$83.00}, and a small charge at a gas station for around {$4.00}. We contacted the police, and they agreed she was a victim of fraud. They allowed us to file a police report, then we took the report info and disputed these charges with UMB, but they denied crediting our account back, claiming the charges were valid, since she gave account info. My daughter had no idea this person was a fraud at the time and was scammed into divulging the account info, was trusting of a person she thought she knew, and as a result, they went on a spending spree, stole money, and UMB closed the custodial account and applied those charges to my primary checking account.
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| 04/18/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On the XXXX of XX/XX/2023 I made a cash deposit through an ATM at a UMB Bank. I used my XXXX debit card as the intended account to receive the funds. I deposited approximately {$250.00} and the ATM took the cash ; However, it indicated a technical error had occurred and the funds were unable to be deposited. The ATM then asked me to estimate the dollar value of the funds I deposited and produced two receipts instructing me to bring these to the bank. I have included a scanned copy of the front and back of these receipts.
Due to my job, I was unable to let the bank know until the XXXX of XXXX. I brought the receipts to the same UMB Bank where the ATM was located and was told that I must reach out to XXXX as this is a problem on their end. I reached out to XXXX the same day who informed me the ATM I had used is not a " XXXX '' ATM and so XXXX is not able to receive the funds and showed no history of funds being received.
I returned to the UMB Bank on the XXXX of XXXX and they again told me this was on XXXX and that I needed to fill out a formal dispute form through XXXX which would then be handle by UMB. I asked XXXX for this form and they told me they do not have this form and that there isn't much they can do as they have no history of funds being received. XXXX offered additional assistance and I provided them a copy of the ATM receipts I've included here. They said it's unlikely they'll be able to do much but will try reaching out to UMB.
The UMB Bank and ATM mentioned is located at XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX.
Incase the attachments are not able to be opened, I'll include what details I can.
Front 1 ....
Date : XX/XX/2023 Time : XXXX XXXX XXXX Deposit Exception Record Deposit Amount : {$250.00} To : Savings One or more deposit items were unable to be returned due to a technical problem. We Apologize for the inconvenience.
Front 2 ....
Date : XX/XX/2023 Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : {$0.00} CASH DEP. - SAVINGS INVALID TRANSACTION 115 Page 1 of 1
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| 07/29/2020 |
Yes |
- Credit card or prepaid card
- Government benefit card
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- Trouble using the card
- Trouble using the card to pay a bill
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Web |
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regarding our XXXX XXXX card, they asked for reimbursement information to ensure that the purchases met the IRS guidelinses for purchases. First, we wouldn't have been able to use the card at those locations because the BIN is only able to be used for approved medical costs, " Qualified Purchases ''. One of our Qualified Purchases is for an online medical visit, and the other is for a dental procedure. These should be obvious Qualified Purchases, without asking for receipts. Asking for receipts in these cases, where the spend and use should be brazenly obvious, is burdensome to the customer, and merely used as a method to withhold funds from being used by the customer. XXXX cards are funded by us, and ultimately we have the tax liability. So I'm really unsure why XXXX, UMB is giving us such a hard time. Perhaps they get some of the unused funds if they aren't used within the qualified timeframe?
Notwithstanding the burdensome and deceptive practices, we provided the requested information to XXXX, which appears to have XXXX XXXX involved, and the XXXX card is issued by UMB Bank.
After providing the information, we were met with a letter saying that our card has been suspended, and that we are no longer able to use it. Withholding funds means we can't pay our medical bills, and that subjects us to our credit being destroyed due to late and unpaid charges. We shouldn't have to chose between paying our medical bills and putting food on the table, when we have money in our XXXX, but it's being held captive unfairly by UMB and XXXX.
Further, when we tried to call in to their customer service, there is no availability to access any customer service agent at all. We are only able to " speak '' to an electronic service that will provide us claims dates and information. Completely unhelpful. Not everyone has easy access to a computer, and this is a discriminatory practice.
It has valuable funds, funded by our own dollars, and severely needed to pay for medical costs. XXXX and UMB should be ashamed of themselves for this kind of customer abuse.
|
| 09/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My employer deposited my payroll check via ACH to my checking account on XXXX/XXXX/XXXX for XXXX which would have given me an available balance of XXXX. I received a text telling me of the deposit on XXXX/XXXX/XXXX. I had a check for my rent to go through on XXXX/XXXX/XXXX for XXXX. I received another text alert on XXXX/XXXX/XXXX saying that the check cleared my account. Then I woke up to a text around midnight telling me that an overdraft fee posted to my account. I went into the branch the next morning on XXXX/XXXX/XXXX and talked to a rep who said the check was returned and I received an insufficient funds fee because when the check went through it took me negative XXXX. I asked him why and explained the deposit that I was alerted about, showed him the text messages and he basically told me that the text banking and mobile alerts are unreliable and that I should have looked at online banking to get my available balance. The text alert I received was not good enough because it did n't say my available balance and the only thing it was saying was my employer initiated a deposit. Basically telling me of the back office work. He said they have a 3 day window to post the ACH deposit to my account and they did it in 1 day. Then he said it could take them XXXX to 10 day to post ACH items and that was in the disclosures I received when I opened my account ( years ago ). He printed out my account activity but it had different dates that didnt go with the text and email alerts I received. He said he had to talk to his XXXX who wasnt there about refunding the fee. I asked was there someone else to talk to about this and he said the branch XXXX isnt there on the weekend and then gave me their cards and pointed out the customer service number and told me they can point me in the right direction or explain it better. He told me that had I deposited cash into an ATM it would be available immediately and I told him that 's not true and this had happen to me before but he did n't seem to believe anything I said according to the smirk on his face.
|
| 04/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
In XXXX of XXXX my husband I put XXXX checks in the mail, XXXX to the US Treasury Department for {$21000.00}, XXXX to the XXXX XXXX XXXX XXXX for {$7000.00}. These checks were intended as payment on our estimated taxes due in XXXX as a result of a real estate sale in XXXX of XXXX. Both pieces of mail were stolen from USPS postal boxes , and washed, then cashed. Unfortunately, since these checks were intended to pay toward our XXXX taxes and we had not officially filed the taxes yet, the XXXX Government agencies were not expecting the checks, thus we were not made aware that the checks did not make it to the proper destinations. We utilize the paperless statement option, highly encouraged by the bank, and only saw that the checks cleared for the amounts we had written them for. Unfortunately, it wasnt until we were preparing our taxes in XXXX of XXXX that we realized what had happened.
On XX/XX/XXXX we visited the UMB XXXX branch and filled out paperwork to initiate a fraud investigation. We made police reports and reported the theft to the US Postal Service as directed by the bank. We were told the process usually takes XXXX days. After waiting XXXX weeks, with very little contact or updates, we reached out to a vice-president at UMB. She directed us to the UMB XXXX branch manager who stepped in to follow-up on the situation. After a week of emails and phone conversations we were told that the claim has been denied because of the length of time between the checks being stolen and cashed, and our reporting it to UMB, a XXXX month period. We have been clients of the bank for XXXX years with multiple accounts, both personal and business. UMB should have worked harder to recover our money.
We were just advised on Tuesday that the check intended for the Department of Treasury was cleared through XXXX XXXX XXXX and the check to the XXXX XXXX XXXX XXXX cleared through XXXX XXXX. The UMB bank representative indicated that they had not yet contacted the banks since the date in reporting was beyond their guidelines.
|
| 04/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
The credit card company sent me a letter stating that the credit card they sent me had not been activated and to please so as I should have received it months prior. I had in fact not activated and did so after reading the letter. The card then only worked for a few days and then was declined. I contacted card services and they said my account had been cancelled and to destroy the card, they could not explain why it was cancelled. A few days later I received a letter stating that my account was cancelled because my credit score had dropped to XXXX. I checked and my credit score was as I expected in the XXXX and had not dropped. Im not sure where they got their information but I figured I would rather not do business with a company that couldnt get the facts straight anyway, so I just waited for a bill to pay off the closed account. When I finally got a bill I made attempts to pay online as I do with all of my accounts and their system would not allow me to create an account. I then tried calling in about it but their system would kick me out for not having an account number ( as my account was closed and I destroyed the card per their direction. So I was forced to send in a payment by mail. Apparently the payment was late and they charged a late fee which I disputed and was advised would be escalated and removed. Now I am being told it was not removed because the account was closed and I will be billed again because apparently they can continue to bill on the closed account but are unable to remove any charges as this is their policy. I was told that I will likely be charged again. So this so called policy is just their way of stealing from me. I paid the first {$25.00} fee that I was told would be removed and now I am told there will likely be another fee. I am requesting that the fee be reimbursed as promised and the next fee be waived as I have paid every XXXX spent on that card and their theft policy fees are not something that I should be responsible for as this was all due to their incompetence.
|
| 04/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
UMB Bank approved me for a credit card last a month ago and 1 month later they had hard pulled my credit with out Permission a second time 1 month later with out permission out of nowhere and I spoke with them on the phone and they told me they had also checked something called Visa clearing house on my XXXX which I also Never gave them Permission to do. ( they checked that to see any other recent credit applications that i had ) I have made my Payment on time and I have a perfect Payment History so they had no right to do this. They had also over verified me when i first got the card they wanted all kinds of additional information. They lowered my credit limit for no reason which is going to hurt my credit score, I am having adverse action taken for something i did not even do anything wrong. The woman openly admited on the phone that they had hard pulled my credit and that they lowered because my score had dropped. My score dropped because their credit card was reporting as a New account and because of their hard inquires so Yes because they reported a new card it's going to temporarily drop my score so and then they lower my credit limit for having their New credit card as Being reported as a New account which doesnt seem FAIR TO ME. I dont want a XXXX credit card because I make XXXX in one paycheck from my job and I have a Business. I am no longer interested in having the card anymore. MY CREDIT score is going to hurt because they lowered my credit limit and hard pulled me a second time with out permission. DAMAGE has been done to my credit report and score because of them. This does not help me at all because I have credit cards with XXXX on them, so I don't truly care to keep an account open with a XXXX limit anyways. It is useless to me. I want them to fix this issue of the damage of my credit limit being lowered which will lower my score. They can not just hard pull my credit once a month or just look at my information anytime they want to.
|
| 06/13/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
This is the newest bank scam being perpetrated against Americans across the country. I 've had my XXXX account with XXXX now for over 15 years. Recently my son stole XXXX of my checks from my checking account with XXXX over a 2 month period. The checks totaled over {$1800.00} and all were documented. I 've been involved in transit living now over a year due to an electrical fire at my home back in XXXX XXXX. It has been a XXXX experience with my being a XXXX senior.
Most days I 'm very busy remembering and recording the losses for XXXX and the claims process. I failed to audit my checking account with XXXX until XXXX XXXX and noticed the fraudulent entries by my son. As soon as I did I took him directly to the XXXX XXXX Police Department thinking they would arrest him. Because of his age at that time and him being a minor, they could n't arrest him. After filing the police report, I was informed they would contact the XXXX for a hearing. I contacted XXXX immediately after filing the report.
A XXXX could plainly see that these were'nt my signatures ; they were printed. XXXX stalled the process as long as they could, continuously requesting the same documents that had already been sent to them. This went back and forth for weeks if not a month. I knew in my XXXX exactly what they were doing. They were attempting to frustrate me to the point of giving up which I 'm sure has been the case many times before.
Sure enough when the claim was presented to UMB bank, they denied it because " it was n't presented in a timely fashion. I 've been down with the flu is why I 've taken so long getting this complaint to you. Please help me, I want my money. This is the reason for the FDIC, these funds are insured against theft and fraud. My question is who is going to insure me against the criminals UMB and XXXX ; clearly there 's collusion between the XXXX. This happened for XXXX reasons ; first I 'm a senior ( XXXX XXXX XXXX ) and I also happen to be XXXX.
|
| 11/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
|
|
My YSA Flexible Spending card was stolen on XX/XX/XXXX. I didn't realize it was stolen until about a week later. I called and requested a new card, and the agent did not go over the transactions pending on the account, so I had no idea there was an unauthorized charge. The charge was done on XX/XX/XXXX for {$8.00} at XXXX XXXX XXXX , XXXX, FL. ( Yes, the charge is at a key-making kiosk ... pretty sure their MCC code has nothing to do with medical services or products, so it should have never been approved in the first place. ) On XX/XX/XXXX, I noticed I'd received a notice to provide documentation for a pending claim from YSA. On that day, I provided the first notice ( attached as Flex Card Stolen.pdf ) that the card in question was unauthorized. Per Regulation E, YSA had 10 business days from that date to provide provisional credit and begin their investigation. I then received another notice on XX/XX/XXXX that the information provided was insufficient and I needed to provide receipts and documentation to prove the eligibility of the charge. At that time I contacted the company via phone and made another claim of fraud. They claimed I needed to fill out a form ; however, on the form they said I needed to fill it, it clearly states that instead of the form, I can provide them with a written explanation of the nature of my dispute. As such, I again provided a more detailed notice on that date ( XX/XX/XXXX ) detailing the unauthorized nature of the transaction. I have again received the same vague notice on XX/XX/XXXX that more information is required. As such, I have filled out their form and uploaded it to the site. Since the transaction is unauthorized, there is no other information I can provide. I find this process to be unnecessarily burdensome ( quite frankly ridiculous, just like every interaction with Your Spending Account ) and in violation of my rights under Regulation E.
|
| 11/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
Older American |
|
On XX/XX/XXXX I opened an account with XXXX XXXX XXXX and transferred {$10000.00} into it, on XX/XX/XXXX I received confirmation they had my money and it showed up on my XXXX XXXX XXXX dashboard. On Thursday morning XX/XX/XXXX I went to the XXXX XXXX XXXX dashboard and my {$10000.00} was missing. XXXX XXXX XXXX can not be contacted by phone, so I had to submit a support request via email at XXXX XXXX central time at XXXX XXXX XXXX responded that UMB their banking partner had closed my account to fix a problem ( no one informed me ) and were opening a new account for me ( no one asked me ), which should be done by the end of XXXX week. The problem is and was no one contacted me about a problem with my personal account or money and asked me for my permission to close/change my account and all I knew was my money was missing as it was not in my bank account and was not on their dashboard, my money was missing and no one could show me where it is. I tried talking via phone calls to XXXX who has my XXXX ( different division ) and UMB Bank ( who fulfilled their obligation by informing XXXX XXXX XXXX ) who took my money somewhere without my permission and could not get anyone to show me my money, it was in corporate limbo. I informed them I had not given anyone the authority to close/change my account and I wanted my money back and to close my account after multiple phone calls and emails I was assured that my money would be back in account in 1 to 3 days, it is still missing and no one can tell me where my money is.I am XXXX and can not believe working in a related banking business for 47 years that they had any right to close my account for any reason without my permission. Waking up with {$10000.00} of my money missing was and is very stressful and I can't believe they had authroity to do so, please don't let this happen to anyone else and please help me get my money back.
|
| 08/19/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
1 ) On XX/XX/2020 I applied for an UMB checking and savings account with the following offers : + Get a {$300.00} checking bonus when you complete the following requirements : Set up a UMB Visa debit card and complete 15 debit card transactions Enroll in online banking and set up online bill pay and complete two online bill payments Have direct deposits totaling {$1000.00} or more into the account + Get a {$200.00} savings bonus when you complete the following requirements : Open new savings account and fund it within 60 days of opening checking account 2 ) XX/XX/2020 : My checking and savings accounts were both funded with {$100.00}, and the {$200.00} bonus was also deposited by UMB to my UMB savings account.
3 ) On XX/XX/2020 I called UMB Bank to setup online banking. I received my UMB Bank debit card in the mail. They said both checking and savings accounts were funded with {$100.00} each and that UMB deposited the {$200.00} bonus into my savings account. The bank rep requested that I send via a secure email additional verification documents : Driver 's Lic, Social Security, Utility Bill, and current Bank Statement from a different bank. I sent the requested docs the same day.
4 ) On XX/XX/2020 I called UMB Bank to confirm that they received the requested documents. The bank rep said my accounts were funded and open.
5 ) On XX/XX/2020 I called UMB Bank to setup online banking. The bank rep said UMB received all the verification documents requested. Then the bank rep said both my checking and savings accounts will be closed, so online banking can not be setup. The bank rep refused to explain why my checking and savings accounts will be closed.
|
| 08/16/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Back in XX/XX/2023, I singed up for XXXX XXXX XXXX Account as part as my high deductible plan at work.
I have been contributing to this account through payroll deductions every two weeks and I could see my deductions but I never received the card or a statement. I haven't been to the XXXX this year so I really didn't need the card yet.
In XXXX they sent me an statement with 19 different transactions adding up to {$1600.00} that I didn't make because I never received the card. Some of the transactions are made at XXXX XXXX for less, which are not even supposed to go though, because is not a health related expense, XXXX, XXXX, XXXX XXXX, etc...
I called the number on the statement and explained the situation and told them I never got the card, activated or anything like that.
They told me that the card does not need to be activated, it automatically comes activated and loaded with money from my paycheck and since the transactions were made more that 55 days ago and I didn't report them they will not refund the money.
I filed a fraud report explaining the situation, I have tried to talk to a XXXX or C-suit XXXX and nobody has responded with a solution.
I have only received XXXX statements on the mail XXXX in XXXX no transactions and the other one in XXXX with all the charges. How was I supposed to know someone was stealing my money?
I can not believe they mail XXXX cards and they don't have to be activated with XXXX or SS #, I am out of options and I dont know what to do. They are not willing to even perform and investigation to see who stole my card.
Please let me know if you need any more information so I can get my money back.
Thank you,
|
| 12/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
On XX/XX/2018, I received a Visa/Debit card by mail. It is identified as being a XXXX Spending Account Card. The paperwork shows the card to have been issued by UMB Bank. This card was not requested, not wanted, and I had no knowledge of his account before the card arrived by mail.
On XX/XX/2018, I called UMB Bank at the number provided, XXXX. They refused to provide any assistance unless I give my full Social Security Number. Already suspecting fraud, I did not give any part of my SSN but insisted that they find the account by my name or the credit card number. They declined to offer further assistance, but said the account must have been opened by my current of previous employer. My current employer confirmed that they had no part in it, and its been 18 months since I worked for my previous employer.
On XX/XX/2018, I called UMB Bank again and spoke to XXXX. He refused to provide any information about the account, but suggested that I call XXXX. When I called the number suggested, I spoke to XXXX who said that she was with XXXX, the payroll company. When I explained the situation, she immediately assumed that I would not want to give my SSN and she found the account by my name. But she had no information about why the account was opened, except that it appeared to her to be a spending account, perhaps an XXXX. ( Ive never had an XXXX account. ) Still, she could not say who requested or authorized the account to be opened in my name.
My credit reports have been frozen with each of the three credit agencies since before this card arrived. In the meantime, I have an unwanted card opened in my name with no explanation and no ability to close it.
|
| 08/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
I use to live in XXXX Nebraska. A fried in XXXX told me about a {$500.00} bank promotion with UMB Bank. You needed to open a checking account and savings account, then qualify. I opened the checking account on XX/XX/2020. I was able to open the checking account and UMB 's web site went down so I called in and the rep said to wait a day to open the savings to get the full bonus. I waited and i wasn't able to open the savings account. It was denied. ( I've read more than 100 complaints about this very bonus, people who opened the account, then it was locked. ) Yesterday I tried to access my checking account online and it was locked. The email said to call in. So today I called in and the rep was so useless she said she couldn't tell me why it was locked. UMB needed to verify information. So I said what do you want to verify and she said she couldn't tell me. After a few more minutes of getting no where I told her i didn't want to do business with their bank if they wouldn't answer my questions. I told her to close the account and she said she couldn't because it was locked. Again I asked why and she said she couldn't tell me. So I said close the account and I hung up. A few minutes after I hung up UMB called and I missed the call so I called back a another worthless rep said she had no record of anyone calling me. I tried to explain to her, someone just did. I gave her all the info she needed to look my info up, but she was less capable than the other rep, so I told her to close the account. I was told if I don't call back I can't have my {$250.00} opening deposit. The {$500.00} bonus is still being advertised on their web site.
|
| 03/29/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
To Whom It May Concern, I recently closed my HSA with UMB Bank. The account was opened with my previous employer XXXX XXXX because it was the only option for their HSA. I didn't have a choice of banks and not opening an account meant forfeiting my employer 's HSA contribution.
When I changed jobs, UMB Bank started charging {$2.00} per month for a " service charge '' and an additional {$3.00} per month for an " Investment Account Administration Fee ''. I managed my own investment for the HSA account by choosing low-fee Vanguard funds, so I am not aware of what " service '' UMB Bank was providing for the money.
Once I realized how much money was wasted per year on these " services '', I chose to transfer my balance to another bank that has {$0.00} service fees for an invested HSA account. However, UMB Bank charged me {$25.00} for a " Closure Fee ''. Charging an account closure fee for an account open for several years and which I never had an opportunity to opt-out of is not reasonable.
I have contacted UMB Bank twice to request reversal of the account closure fee. In the first call on XX/XX/2021, a UMB Bank representative said they had an account closing document signed by me that included the {$25.00} closure fee. I requested they email it to me. The document they emailed was from XXXX about doing an account balance transfer and did not include any language about an account closure fee for UMB Bank. In my second call on XX/XX/2021, UMB Bank insisted they could not reverse the closure fee. I informed them at that time that I would file a complaint with the Consumer Financial Protection Bureau.
Respectfully, XXXX XXXX
|
| 12/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I have a XXXX spending account card issued by UMB Bank, N.A. The monthly spending limit on transit ticket purchase is {$250.00} dollars. On XX/XX/XXXX, I used the Visa Debit card to make two purchases of {$90.00} each, both transactions went through and processed on XX/XX/18 ( see statement ) ; on XX/XX/XXXX, I tried to make the purchase of {$75.00} dollar, the transaction was denied, the message on the MTA vending machine was '' transaction denied, contact the card issuer ''. I called the card issuer and reported the problem, the customer representative told me that the transaction didn't go through and asked me to wait 7 days and they sent me an email to confirm it on XX/XX/18. After 7 days, on XX/XX/18, I tried to make the purchase of {$75.00} dollar, transaction was denied, same message came up, so I call the card issuer again reported the same problem, the customer representative set up a case and told me they need 2-3 business days to resolve, so I waited another 3 days, tried to make a purchase on XX/XX/18 and XX/XX/18, the problem still remained, so I called again, they asked me to wait another 3 business days to investigate. they already see my account have balance of {$200.00}, and I still have {$75.00} dollars to reach my monthly limit of {$250.00}, no one can help me solve the problem, I even requested to speak to a supervisor, the problem remained. As the timing is critical on these kind of account, if I don't use the funds within a month, I will lose it, because next month I will have another contribution of {$250.00} to use. They should provide a credit {$75.00} to my account for me to use within XX/XX/XXXX.
|
| 02/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I deposited my paycheck via mobile app to UMB Bank. An hour later a account representative contacted and asked if the deposit was made by me and I told her yes. She asked what the check was for I told her it was my paycheck. She then said ok and said that was all she needed to verify it was not a fraudulent transaction. A couple hours later I received another call from her again she stated they would have to hold the check for 7 business days due to account activity. I asked her what that meant she said she was not told why. I pleaded with her that this was my paycheck and I need to pay my bills with it and feed my children and that if they couldn't release my funds that I would to just go to my other bank and deposit the check she said she would talk to her account manager and give me a call the next day. The next day came and I heard no response back so I contacted the bank and they said that they could not release the funds or the check due to it being with the Fed already. I asked to speak to the account manager because not only was my check being held from me but now my account was frozen due to the fraud department placing a hold on the account. The account manager was not very helpful or caring about my situation. I have had this account since XXXX and I don't understand why they have to hold my paycheck. I am very upset about this, the account manager said the funds will not be released until midnight of the XX/XX/XXXX, that means they sent the check to the FED on XX/XX/XXXX after I had voiced my concern about it, so who is being fraudulent now.
|
| 12/28/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
UMB Bank recently took over my XXXX XXXX Account that had been set up by a previous employer over a decade ago. The account has been serviced by several different financial institutions over the years with no problems and I have only ever accessed funds for a medical procedure also over a decade ago. The XXXX was transferred to UMB by my previous employer ( I was not involved in selecting the bank ) and within a few months they sent me a notification that they were putting my account into inactive status due to a lack of transactions and the only way to change it back was to conduct a transaction. Having no desire and no need to access these funds, I am now being punished for being in relative good health and wanting to save all my funds for potential future health issues.
I understand this is not technically a " fee '' being charged by UMB, but conducting a transaction entails either, putting money into the account, which I do not want to do, OR paying for something with the debit card, which is likely the preferred method by UMB who then gets the swipe fees for the transaction. In my opinion, this is a species of " junk fee '' that this institution is charging its customers. When I contacted UMB and requested they not move my account into " Inactive Status '' as I was " actively '' calling them to tell them I was a current customer and didn't wish to have my status changed, they simply told me it was in their terms and conditions and I had to engage in some transaction. In theory, this will continue to be an issue every 18 months I do not have a medical expense.
|
| 02/26/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I received a paper statement from UMB associated with my HSA Account that is arranged with UMB through my employer. UMB does not disclose to its customers that it charges a {$1.00} paper statement fee. Additionally, on its Statement, UMB provides no phone number or website address for customers to gain information about one 's account. This is curious because there is a section on the statement that states, " In case of errors or questions about your electronic transactions, please call us or write us at the phone number or address shown on this statement as soon as you can. '' I found UMB 's contact information through a web search. There is no information readily accessible for users who seek to understand more about the paper statement fee on UMB 's website. One must first enroll in online banking and then dig deep to gain information about the paper statement fee ; a user has to go to a page of " Frequently Asked Questions '' to find out information. The fee is not disclosed anywhere else. I see this as a violation of Regulations DD and E and potentially of Section 5 of the Federal Trade Commission Act and components of Dodd-Frank that address Unfair or Deceptive Acts, Abuses, or Practices. I can readily afford the {$1.00} they charged me for paper statements, as I am sure most depositors can ( who have an HSA Account ), and I believe this is precisely why UMB is clever about their fee assessment practices. They should refund all customers this fee that they have charged without disclosure or explicit instructions as to how one goes about avoiding the fee.
|
| 07/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I am complaining about : " XXXX XXXX XXXXXXXX '' credit card, formerly XXXXXXXX XXXX, now XXXX BANK XXXX want resolved : negative reporting on credit card, never can get access to online account at all.
On my birthday in XXXX, I got the shock of my life when I found out I was a victim of a credit card breach on XX/XX/XXXX stemming from the XXXX XXXX breach. My credit card was used for XXXX plus at XXXX XXXX and I didn't pay the card that month as I was working with the credit card to dispute this fraudulent charge. I was able to get the charge disputed and dropped because of extensive research, getting photos of who did it thanks to XXXX XXXX loss prevention and a police report, but to this day the account IS REPORTED NEGATIVE because I did not make thXXXX XXXX payment and missed. I have had this credit card for almost 10 years. They also will not increase my card usage. I did have a problem with a rental car place also in XXXX, and they overcharged my credit card. As a result, this further made me again be reported as negative. I also sent in a payment for XXXX lately and they claimed they did not receive it. They want to charge me a late fee and I have never been late in all the 10 years. My credit card now goes through as " unauthorized '' and I can no longer use the card. I have been contacting them and calling them for years, only to be told the negative is " fake '' and that it is a scam " to get me to pay to get a negative removed off my credit card '' to the credit bureaus. I have had people tell me all sorts of things here. What can I do?
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| 10/04/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
|
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Web |
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My account is administered by TRI-AD and the custodial bank is UMB XXXX XXXX. On XX/XX/2021 my HSA account was transferred to this provider by the previous provider as I switched employers. By the end of XXXX I still had not received a monthly statement and I called on XX/XX/2021 in order to figure out why one had not been generated. They stated that a statement is only generated when a purchase is made with the card. Despite the activity in the account in the previous month, they would not generate a statement. Activity in the previous month included transfers from investments and " Benefit Administration Fees '' of {$2.00} on XX/XX/2021 and XX/XX/2021. Then on XX/XX/2021 I made a purchase using the card hoping that would generate a statement at the next month-end. However now it is XX/XX/2021, and no statement has been generated despite another Benefit Administration Fee occurring on XX/XX/2021.
Given that this account was transferred from a different provider, I still haven't even received an initial statement from this provider, and despite the activity, they refused to generate an account statement. Finally, after making a purchase which they stated would generate a statement, one still hasn't been created. I couldn't even close my account if I wanted to, as I don't have a statement. This Company is intentionally making it difficult and expensive for people to close their account and charging fees that are far above industry standard without giving individuals a choice in the matter.
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| 06/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Bounced checks or returned payments
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Web |
Older American |
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On XX/XX/2022, there was a check in the amount of {$100.00} where the funds were transfer into the account.at the same time they processed check. However, XXXX return as NSF and I called to have the check paid. I spoke to the representative where she had difficulty understanding what I needed so I ask for supervisor. She said she could reach out to another department help get it paid or she could transfer to a supervisor. Already frustrated I asked for the supervisor and got XXXX XXXX. XXXX XXXX started the conversation condescending and unprofessional which the representative provided the information. Before I could say anything else, he cut me off so I asked to speak to another supervisor. XXXX XXXX said NO, I can not transfer you to another supervisor and if I wanted another supervisor I would need to call back. So I called back spoke to XXXX XXXX that said he was knew and did not know what to do..he said Im confused. He stated he would transfer me to an associate then placed me on hold. XXXX returned to the phone to say the associate says it would be paid since the funds were transferred. At this point, I wasnt comfortable with the information provided. Once again I asked for a supervisor XXXX XXXX which he said he contacted the back office. I do not believe he contacted any back office because I wasnt on hold for no more than one minute. XXXX representatives and supervisors are trained to get the customers off the phones to insure they meet there metrics.
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| 11/30/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
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I have an Health Savings Account which I learned was managed by UMB Bank.
In XXXX, I wanted to use the remaining balance in my HSA fund.
I pulled up my HSA account website to verify the amount, which was {$18.00}.
I used that exact amount for a medical bill.
Afterwards, I received an overdraft bill from UMB Bank stating that my balance was below {$18.00} and applied a {$25.00} NSF fee.
I called to inquire why my balance was below {$18.00} and why it was different from what the HSA account website displayed.
UMB Bank told me that there was a monthly service fee that they incurred, which I was unaware of. I do not recall receiving any document regarding this " monthly service fee. " This monthly service fee is what reduced my balance below {$18.00}, thus generating the overdraft scenario.
At that time, my balance from UMB was negative {$33.00} and still incurring monthly service fees until I close the account.
This started around mid XXXX and now my balance is - {$36.00} due to add'l monthly service fees until I close the account.
As a consumer, I feel like this is terribly unreasonable as the information I had always used to verify my balance was inaccurate and I was not aware of the monthly service charge which caused the overdraft scenario.
UMB Bank has been unhelpful and dismissive when I try to contact them to fairly resolve this issue. They 've just demanded payment or else they will keep incurring the monthly service charge.
XXXX
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| 02/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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XXXX-Direct deposit for {$770.00} for the date XX/XX/XXXX was held until after XXXX XXXX and bank did not release access to funds. Customer service and a branch manager downtown was called ( total of 3 calls ). Everyone initially said they could not see direct deposit or was employers fault FINALLY branch manager said just wait until tonight should be there by XXXX XXXX. Why are they holding funds for a full business day-same employer has deposited check for 6 years XXXXAutomatic bill pays for XX/XX/XXXX were not posted until XX/XX/XXXX XXXXAutomatic withdrawal fee of {$43.00} for XXXX of was rejected. Total transaction was {$75.00} but {$43.00} was setup to come from UMB account. At that time UMB account was over {$800.00} but they did not pay. Fee from merchant charged.
Also here is email from XXXX : Instant Transfer payment Transaction ID : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$75.00} USD Reason : Your bank reported a problem. Please contact your bank 's customer service. If you still need assistance, you may contact XX/XX/XXXX Check for {$240.00} not cashed balance was $ XXXXthis resulted in a fee from UMB and other bank Also should of been paid on XX/XX/XXXX this is deposit they held until after XXXX XXXX and historically paycheck for last 6 years always posted Thursday night before XXXX before this week.
All these also happened after I filed an official complaint against the bank
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| 08/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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I used the online system to make a deposit on XX/XX/XXXX. I noticed the funds were getting low, I have money with another financial institution because I've had issues with this bank before. When the deposit was made my account was NOT in the negative. The bank decided to hold the check, they advised it was because of my history with the bank. ( I have had this bank account since I was XXXX, 31 years of being a customer ) On the 7th I called the 800 # as soon as I saw they had not deposited the funds. They advised nothing they could do. I spoke to a branch manager and was advised she would look into it. This took the intire day, she verified funds on the XXXX, 2 days after the deposit, then released the funds. Once released the bank then charged 3 {$36.00} overdraft fees. I asked them to remove as they should not have been charged and they refused saying it wasn't a bank error. I advised that the account wouldn't have been negative if they would not have wrongfully held the check. Still would not waive them. This bank has charged me hundreds of dollars in fees over this past year all while trying to get me to sign up for overdraft protection. I am tired of being taken advantage of because I live paycheck to paycheck. This bank should not be allowed to withhold funds. I would understand if it was a large check, it was not it was {$500.00}. Please stop this bank from ripping people off!!
|
| 12/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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|
Web |
Servicemember |
|
On or about XX/XX/XXXX, I applied for a UMB credit card per the invitation of a retailer that is a co-brand partner with UMB. Approximately one week later, I received a letter from UMB dated XX/XX/XXXX referencing application ID # XXXX. The letter stated I needed to fax them the following documents : 1. Utility bill ; 2. Government ID ; 3. Rental agreement ; 4. Social security card ; 5. Bank statement.
The first, third and fifth documents needed to show my current address. I successfully faxed these documents to UMB per their instructions prior to their stated deadline.
On XX/XX/XXXX I received a letter from UMB stating that my application had been denied and the only reason they provided was " Primary Phone Number. '' Federal law mandates that UMB must provide THE actual reason why my credit application was denied and that the reason must not be cryptic or nonsense. The law requires the reason provide the applicant with useful data that can enable them to understand and improve their credit. UMB has dismally failed to do this.
I believe UMB is making their decision based on either racist, sexist or other illegal discriminatory reasons. The primary phone number I gave is not in my name because it is part of a general phone service with multiple lines on my father 's account. Also, because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
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XX/XX/2019, Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX, To : Consumer Financial Protection Bureau : Subject : UMB, Bank not fostering consumer confidence in banking!
There is an issue of trust and misleading business practices at the below bank.
UMB XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, KS XXXX On XX/XX/2019, I deposited {$200.00} in cash and received a deposit receipt. I verified that the money was deposited into the bank through mobile banking at XXXX XXXX Around XXXX XXXX XX/XX/2019 the money was gone out of the checking account ending in XXXX.
I needed that money to be there for the intent to pay XXXX XXXX Bill with UMB, Bank mobile banking on XX/XX/2019.
I had to immediately make a mobile deposit from another bank into UMB, Bank to cover this payment with XXXX XXXX.
The problems is, if I would have not caught this mistake by UMB, Bank I would have incurred Non Sufficient Funds Check Fees with XXXX XXXX and UMB, Bank.
I am concerned that this may be a practice for capital gain. Enclosed are supporting documents.
I am giving the bank a copy of this letter and they probably will be contacting you soon, but still please look into this matter of concern as I don't want this to happen to anyone else if it's not already have.
If I can be of help of any kind, I can be reached at XXXX Thank You for protecting the consumers.
|
| 12/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX, I applied for a UMB credit card per the invitation of a retailer that is a co-brand partner with UMB. Approximately one week later, I received a letter from UMB dated XX/XX/XXXX referencing application ID # XXXX. The letter stated I needed to fax them the following documents : 1. Utility bill ; 2. Government ID ; 3. Rental agreement ; 4. Social security card ; 5. Bank statement. The first, third and fifth documents needed to show my current address. I successfully faxed these documents to UMB per their instructions prior to their stated deadline. On XX/XX/XXXX I received a letter from UMB stating that my application had been denied and the only reason they provided was " Primary Phone Number. '' Federal law mandates that UMB must provide THE actual reason why my credit application was denied and that the reason must not be cryptic or nonsense. The law requires the reason provide the applicant with useful data that can enable them to understand and improve their credit. UMB has dismally failed to do this. I believe UMB is making their decision based on either XXXXXXXX XXXX or other illegal discriminatory reasons. The primary phone number I gave is not in my name because it is part of a general phone service with multiple lines on my husband 's account. Also, because of XXXX practices, I do not share my husband 's last name.
|
| 01/27/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
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UMB bought my XXXX from my old employer. I have received XXXX letters indicating I have no recent customer-initiated activity, the latest XXXX on XX/XX/XXXX. " to avoid your XXXX becoming inactive and subject to the Inactive Account charge ... '' I never opened this account. I never agreed to bank with them. They bought out an old XXXX and now are coming after me with fees.
I have no idea how to login or do anything with them, I never received a debit card. I thought the account had {$0.00} in it and asked to close it, but then received a letter that said there were {$440.00} XXXX in it. I then asked how to access or transfer those funds and got a super confusing answer about monthly fees. This was on XXXX.
I just called today on XX/XX/XXXX, because I haven't had time the last few weeks to deal with a bank I never agreed to work with who obviously can not run themselves. I asked how to log in and they said where's your debit card and I said that's literally the problem, where is it? They said it's been closed and an amount of ~ {$420.00} is being mailed to me by check. Where did the rest of the funds go?
Banks should not be allowed to buy other banks, adopt their accounts, and terrorize their new clients that never consented. Why am I working with a bank I never agreed to work with?!?!
|
| 04/03/2019 |
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
|
|
Web |
Older American |
|
RE : Misleading offer from UMB Bank Visa Signature Card.
Offer States : " 20,000 bonus point offer when you spend {$1500.00} in the first 90 days of opening your account. You may even choose to redeem your 20,000 points for {$200.00} cash back or use it for other great rewards! '' Does not state in offer any delay in having points credited to your account for redeeming the reward. Other credit card companies apply the points to your account upon your monthly statement when qualifying for the reward.
I did contact by phone UMB Bank and was told they did not have a rewards department or contact person and that any qualifying points that I was entitled to would be delayed from being added to my account after 90 days and one to two billing cycles of the card. This wasn't specified in the written promotional offer, making it impossible for any cardholder to be aware of the delay in receiving the bonus reward.
I made numerous phone calls over a 2-day period ( XX/XX/2019 & XX/XX/2019 ) to have my reward points applied to the credit balance on my account only to be mistreated and given a vague response.
Please note the offer states " WHEN '' I spend {$1500.00}, which means at that present time qualifying for purchases of {$1500.00}. UMB Bank is not abiding by the terms stated in the offer.
|
| 03/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XXXX XXXX, I attempted to deposit a check ( for {$500.00} ) at my bank 's ATM. The ATM would not allow me to deposit it so I left without completing a transaction. A few minutes later I received a text saying that {$100.00} had been withdrawn from my checking account. I called the bank within 2 hours of receiving the text to let them know that I did not make that withdrawal. The bank employee assured me that they would review the video of the ATM and as long as I was n't the person who took out the money, they would refund the money to me. On XXXX XXXX, they sent me a letter saying that no dispensing error occurred and they were discontinuing the investigation ( without refunding my money ). They also sent me the ATM audit, which shows that the money was withdrawn at XXXX, and someone immediately after me used a different bank card at the same time ( XXXX ) without completing a transaction. Based on this information, to me it looks like it is possible that someone ( either accidentally or on purpose ) took the money out of my account instead of their own account. I called the bank on XX/XX/XXXX to see if they were going to review the video of the ATM. They indicated that they would not review the ATM video and refused to give me a reason as to why they would n't investigate this issue.
|
| 03/15/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- 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
|
|
Web |
|
|
On XX/XX/2021 I sent a fax to UMB BANK to transfer the money out of my XXXX account to XXXX XXXX account. Later i authorized fidelity to do the transfer and they sent another fax to them on XX/XX/2021 to XXXX bank to initiate the transfer. UMB bank on on XX/XX/2021 charged all the fees on my account ( including the monthly service fee, statement fee and the account closure fee of {$25.00} ). According to them they sent the check to XXXX which was never received by them. When i called them back on XX/XX/XXXX, they told me that they don't have any tracking on the check and the details were not present in their system. On repeated phone calls after that the supervisor gave me some check number but said she doesn't have any tracking and she can not answer more than to say that the check was sent. All this while XXXX customer service said they haven't received anything. Since my account is an XXXX account I don't have any money to pay for my medical expenses and the UMB bank still continues to play games where they can not issue stop payment not refund the fees they charged on my account. I had a simple question to the supervisor where i asked " Why does the bank get to charge closure fees and get paid when i still have received my own money all this time ''? Please help resolve this matter.
|
| 08/24/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have an HSA account managed by UMB Bank from a former employer. I have been unable to access or utilize my funds for medical expenses via their online portal since XX/XX/2021. My employment ended on XX/XX/XXXX, at which point I lost all access to my HSA account via the employer 's benefits portal. Upon working with UMB Bank, they informed me I would not have access to my funds until 'sometime in XXXX ' after the employer has 'released my full account ' to them. In the meantime, they have provided me with a temporary read-only access into my funds on their system, but this temporary view does not provide me with access to my money. Meanwhile, UMB Bank continues to invest and profit off my roughly {$7000.00} in HSA deposits and investments. I have asked the bank if I could close my account and roll my funds into a personal HSA at another institution, however, I was told that this would not be possible until 'sometime in XXXX '. I find this practice to be unacceptable, unfair, deceptive, and abusive. Their current policies and procedures have made it impossible for me to fully access my HSA money for almost two months at this point -- without a clearly defined end date. In the meantime I've had to pay for medical expenses out of pocket and on high interest credit cards.
|
| 03/26/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
Older American, Servicemember |
|
I worked at a company for 4 years which had a health savings account option. I opened an account and had allocated a portion of my earnings to be put into this pre tax health savings account. I left the employment back in XXXX and had instructed my employer to close out any and all of my accounts that were in any way related to my employment. I believe in either XXXX or XXXX I received information regarding a new account and them charging me XXXX a month. I called and told them that I wanted the account closed. No information was provided, a check was never received and recently I got another statement still deducting the monthly fee. I called again and this representative although she was as rude as the first told me what I needed to do. These instructions or the form that needed to be filled out were never provided to me. They had to order me a new debit card so that I could use the remaining funds for medical bills. Otherwise I was told they could send me the money but there would be a XXXX fee to close the account. I was never informed of these disclosures and never authorized the funds into this account where I was charged the maintenance fees. There was no benefit for me to have this account and should have never been opened without me being advised of the same.
|
| 12/23/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have had a UMB Bank HSA savings account for many years. HSA savings accounts are governed by strict IRS rules and have tax consequences.
In early XX/XX/2022 I logged into my Fidelity HSA account and requested a Trustee to Trustee transfer that abides by IRS rules from UMB into XXXX. The transfer could have been done for free via XXXX in 3 business days. However, since UMB knows that customers have to abide by IRS rules and must request a Trustee to Trustee transfer, it slaps a {$25.00} fee and out of spite takes 45 days to send over the funds.
1. In this case the fee was not for the transfer but for " Account Closure Fee ''. However, I never requested that the account be closed. I NEVER signed the UMB form that requests the account be closed. UMB took it upon themselves to illegally close the account and illegally charge me the fee out of spite because they lost custody of my balances.
2. UMB claims that their HSA Terms and Conditions allows them to charge the Account Closure Fee. However, on separate days, separate UMB agents ( including one Bree A. ) spent a total of over 70 minutes with customer on hold over the phone looking for such Terms and Conditions or any such policy and sheepishly admitted that they were unable to locate any such policy.
|
| 02/22/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I wrote a check to a con man and I want to find that man and sue him to get my money back. The trouble is that I do not have his true identity or a location so that he can be served or arrested or anything else.
However, in order for him to cash my check he must have had an account or must have shown valid ID. If I can find out the bank or banking entity that accepted the check when presented by the con man, I could have that entity subpoenaed or served or whatever to investigate the circumstances related to this check, which was the financial aspect of what was ultimately criminal activity.
I asked my bank to help me at least identify the corresponding bank or banking entity that received the check, but they tell me their systems only process requests that verify that the account number is valid and that the dollar amount of the check is in the account, and they claim they have no records that would reveal what banking entity was on the check-cashing end of the process.
It makes no sense to me that there is no tracking through the Federal Reserve check clearing system, but so far no one has been able to tell me what entity has tracking info or how I can ( via subpoena or something ) obtain it.
|
| 08/11/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
This complaint is for my HSA. On XXXX XX/XX/2023, I left the company I used to work for and they closed my HSA account. The HSA was transferred to UMB HSA services. https : //myumbhsa.wealthcareportal.com/. On XX/XX/2023 they sent me an email informing me that my HSA account was transferred to them and they will start charging an admin fee of {$2.00}. Additionally, they started sending me paper statements and charged me fees for those as well.
I called them today ( XX/XX/XXXX ) and the agent informed me that in order to transfer my account out UMB they will charge me an additional fee of {$25.00}. When I told them I never agreed to these fees he mentioned that these fees were in their Terms of Service. And that I automatically agreed to the Terms of Service when I accessed their website. Additionally, if I hadn't agreed to those TOS, I wouldn't have been able to access my money because there is no other way to disagree with their TOS and transfer my money out of the bank.
They also said this is just a take it or leave it situation and they have no mechanism to waive these fees, and I have provided my tacit approval as soon as they got the transfer of money from my employer.
|
| 09/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
To whom it may concern, In XXXX, I opened a UMB credit card ( the card number ending XXXX ) that offered 0 % APR on purchases till XXXX.
Unlike my other 0 % APR credit card, the exact 0 % ARP expiration date is not listed on credit card statements or anywhere in my online account, I web messaged the customer support inquiring about this information and got a response that my 0 % ARP will expire on XX/XX/XXXX ( screenshot available ). However, I got an interest charge on XX/XX/XXXX though I paid the minimum balance for the corresponding billing cycle.
Since XX/XX/XXXX, Ive made repeated attempts to contact customer support via web messages and phone calls for the following. But as of today, XXXX, I havent gotten any response or resolution to these requests/inquiries : 1. Interest charge reversal since the 0 % APR expiration date I was provided with is a much later date 2. clarifications regarding the reason for the interest charge, given I was informed of a later 0 % APR expiration date 3. the correct 0 % APR expiration date if the previously given date is incorrect Truly appreciate your time and consideration in addressing this matter!
Best regards, XXXX XXXX
|
| 01/22/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
We have a Health Savings Account ( HSA ) with UMB Bank. In XXXX 2015 we tried to contribute to the account by electronic transfer. The UMB website froze during the process, so we started the transfer again. The bank then processed XXXX transfers resulting in an excess contribution. We contacted the bank about the excess contribution and they said we had to mail or fax a form for the refund and a {$15.00} fee would be charged and a refund would sent by check. We submitted the form and about a week later the account was debited for the over contributed amount plus interest and the fee was deducted from the account. We waited 10 days and did no receive a check. We contacted the bank and were told that a check had not yet been issued and contact them again at the end of the month if we did not receive the check because they were busy and can take up to thirty days to refund the money. Meanwhile no interest is being paid to us on the amount. They were not too busy to debit the account and charge a fee! A business practice to remove money from an account and the hold it for up to 30 days without interest seems unfair and poor treatment of their customers.
|
| 07/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
hi! I was enrolled in XXXX XXXX card through a previous employer ( XXXXXXXX XXXX ). Upon resigning, XXXX closed that account and reissued a new one to me. A new card and letter came. I want to close this. They say they can not close it as I have to go through my old employer. I did. They have a verified account as closed. XXXX had closed the acct associated with my old employer and issued me a new account complete with {$2.00} fees and will not close it. I have been rounds with my old employer and Alight and both are claiming to be unable to simply close this XXXX master card account. At this point, they need to be discovered by some authoritative body. Worse, I can't get proof of transactions from the original account that I need to show i paid my XXXX XXXX.
I did not ask for a new XXXX account to be issued to me. Initially it was issued with a remaining balance for me to use from the XXXX acct through my employer but I have exhausted that in hopes I can get it closed but can't close it. They gift themselves arbitrary fees monthly. Please help me hold them accountable for opening an account I did not ask for and being unwilling to close it.
|
| 07/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
We have an XXXX XXXX with check writing. We wrote XXXX checks from XXXX to put in our UMB account to pay XXXX XXXX and XXXX. XXXX had a system issue and returned the checks. Our account went negative at UMB and we were asked for a cashier 's check or if we put any other check in it would be held and other items could be returned. We were told UMB paid a small item, but not 2 larger items and charged the fees. We have overdraft protection in UMB and we got a cashiers check and made the account correct that day. We stil don't know if anything else will be returned. We were told there were no managers at UMB to speak to and the teller ( XXXX ) implied anyone could make a cashier 's check so they always verify them and especially since we had 2 returned checks. We are a XXXX. customer at UMB with an average XXXX balance and never been overddrawn like this. UMB was rude and can't seem to explain if the account is ok.
XXXX corrected everything quickly, brought me the cashiers check and were stellar at customer service, we have only done business with them for 3 years.
UMB fees will get reimbursed by XXXX but I don't want more items returned.
|
| 10/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
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In XXXX of 2022 a check that I wrote on my XXXX account for {$1100.00} and had made payable to XXXX XXXX was " washed ''. The Pay To line was replaced from XXXX XXXX to XXXX XXXX and the check for {$1100.00} was cashed and the funds taken out of my account. As soon as I realized what happened I alerted XXXX, who handle my checking account using UMB ( United Missouri Bank ). They assigned me a case number and gave me 14 days to send them supporting documentation which I did. The letter I received from them stated that the bank they use for the checking account United Missouri Bank had 120 business days to investigate. We are now long past that and neither XXXX nor UMB will assist me in resolving this matter. The last time I called my XXXX account rep ( because I do not have a UMB rep or number ) in XXXX I was told not to bother them about this. I do not know who XXXX XXXX is and you can clearly see on the check that I had the XXXX XXXX account number written on the bottom as a reference and also you can see that my handwriting does not match XXXX XXXX ' handwriting. This is theft and or fraud and XXXX and UMB are not willing to help me.
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| 12/30/2019 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Dear Sir or Madam : I am writing to complain about UMB Bank and their unsatisfactory and unprofessional customer service regarding the delayed rollover of my Health Savings Account ( HSA ) totaling approximately {$4500.00}. I began the rollover process in early XXXX around the XXXX, but it has yet to occur. I have repeatedly called their customer service phone number and mailed them numerous forms to get my HSA rollover to process. Unfortunately, they have never completed this rollover despite my best attempts to provide them with each form that they mailed to me and I completed and mailed back to them. UMB has given me no less than four different forms to complete this process. Today, XX/XX/XXXX, I once again contacted their customer service and was told that the rollover can't occur without yet another form. UMB has not been transparent during this process and has never reached back out to me to help facilitate the rollover process whenever a new form was needed. Each time, I have had to call them after numerous weeks of no contact from UMB during the rollover process. Thank you in advance for your help to investigate my complaint.
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| 04/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/2023 I called UMB and after filing all the automated prompts I was put on hold by their automated system for XXXX min stating " your service provider will be there in the moment '' after which I was promptly disconnected.
When I called the customer service ( on call which again lasted XXXX min ) I was told an euphemism of " high call volume '' and I was not taken care of. When I requested to speak with a supervisor with a real authority to address the issue ( the CSR who picked up the phone told me she was one ) the call was again put on hold and then disconnected.
It is evident that the UMB is not interested in providing any kind of customer service and it also prevents customers from redeeming points.
In this case I expect the bank to redeem the points for their full value {$210.00} ( XXXX points ) in form of the check and send it to my address.
And after this function is completed to close the account.
If the bank fails in this function I will take the matter to small claims court here in IL.
I simply can not bank with an organization that's so unprofessional and disrespectful to the people that give it business.
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| 03/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
Older American, Servicemember |
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This is my second CFPB complaint about UMB Bank practices to withhold money from me.
In the first instance, UMB withheld payment of cash back rewards earned. In response to that, I paid the full amount owing to UMB ( {$280.00} see attached print PDF file ) on XX/XX/2022 and closed the account which I have attached a letter from UMB confirming the closure dated XX/XX/2022 ( see attached print PDF file ).
Now UMB, on XX/XX/2022, has illegally stolen {$280.00} from my primary checking account even thou my UMB account had a balance of zero and it has been at zero since XX/XX/2022. This is nothing but an illegal theft of funds from me and UMB should be sanctioned if not criminally prosecuted. I called UMB customer service and demanded that UMB send me a check for the {$280.00} via overnight Priority Mail and I have not received the funds which I need desperately. The representative said she would Request priority mail, but otherwise it would take 7 to 10 days. 7 to 10 days is totally unacceptable to rectify the theft of my money by UMB. His is a blatant attempt by UMB to maintain as much float of other peoples funds as possible.
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| 04/21/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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There is a free ride violation that was placed on my account on XX/XX/12 related to the purchase and sale of securities. At least since then, I have been unable to move money between my non-retirement brokerage accounts. This is money is that is readily available in my account and is not tied to any pending activity. To get around the issue, XXXX has instructed me to contact a rep online or through the phone to move the money and has been unable to provide a clear reason why this is the case. I have spoken to 5 reps either through chat or on the phone and 3 of the 5 have stated this problem is due to the free ride violation. I have asked for the specific text on regulation T of the federal reserve board and they were not able to provide it. I have read over the text of the regulation and it at no point dictates that a bank should restrict the movement of money between accounts. It does however deal with margin requirements and the sale and purchase of securities when funds are not available to fully make the purchase. The funds moving between accounts are not related to margin or the purchase or sale of securities.
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| 12/02/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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This issue is in regards to UMB Health Savings Accounts and the associated Investment account tied to this account. My intention was to transfer the funds from my UMB Health Savings Account to a XXXX XXXX.
( XXXX ) XX/XX/2023 - {$6600.00} was transferred from the UMB Investment account to the UMB Health Savings Account. The Total balance was {$7600.00} ( {$1000.00} was the existing balance ) ( 2 ) XX/XX/2023 - The Account transfer to XXXX took place, but UMB transferred only {$970.00} to my XXXX account and not the full balance. UMB transferred back {$6600.00} back to my investment account and then proceeded to CLOSE my Health Savings Account. Additionally, it's not quite clear why {$6600.00} was not transferred back and how I lost {$63.00} during this process.
( XXXX ) XX/XX/2023 - I initiated a transfer back to my Health Savings Account of current investment account value of {$6600.00} thinking it would be OK to do so. Instead it rejected this transfer and the funds never returned to my Investment account.
( XXXX ) XX/XX/2023 - I called UMB, but they could not help me.
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| 11/24/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I had some transactions on my joint account that were not mine and my husband said it wasn't his either so I called the card services number on my debit card through my checking account with umb. fraud management placed some sort of freeze on my account so neither mine nor my husband 's debit cards worked. it also made my online account messed up so I couldn't see how much money I had in the bank so I went down to my local branch and asked the person working how much money I had in there. he said XXXX so I asked to get XXXX out so I could go pay bills. I had to do the same XXXX days later. my husband and I both had direct deposits coming in so I wasn't sure how much they were for. a week later I got something in the mail saying I was XXXX in the negative. they said the money they had been giving me wasn't mine. but how was I supposed to know that. that is why I went to the bank to ask what was in there. when the employee looked up my account thats how much was in there according to they're screens. now they are trying to make me pay it back.
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| 01/14/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/XXXX I initiated a request for a HSA to HSA account transfer due to the creation of a new XXXX XXXX. I did not submit the request until all funds were liquidated from the investment vehicle and settled to cash. The aim of this transfer was to move all funds from my existing UMB Bank HSA account to XXXX 's new HSA portal. I submitted the request to XXXX and followed up around 6 weeks as the transfer has not occurred. I again followed up on XX/XX/XXXX to identify why the funds transfer has not occurred. I was instructed by XXXX representative XXXX XXXX that XXXX and UMB had acknowledged the transfer, and that my confirmation was needed that the funds were liquidated. I completed the transfer request according to the Health Savings Account Transfer Request Form. UMB has access to my account and can see that funds were liquidated to cash.
I have experienced consumer harm by having to keep my funds in cash for three months. The anticipated transfer window disclosed on the Health Savings Account Transfer Request is 3-6 weeks.
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| 01/19/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Older American |
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I had an XXXX with UMBXXXX ( " UMB '' here for purposes of brevity ) until the end of XXXX.
In XX/XX/XXXX, I submitted a claim to UMB to pay a {$1400.00} XXXX XXXX bill. UMB charged me {$140.00} in fees before deducting the {$1400.00} from my XXXX on XX/XX/XXXX. Payment was reportedly sent to XXXX that day. ( I subsequently transferred the remaining UMB balance to a successor trustee, but that's not the issue. ) When I was told by XXXX XXXX that the payment was never received, I contacted UMB on XX/XX/XXXX and was told that the check had never been sent. It had been left in " check printing to the provider '' status. UMB supposedly voided and reissued payment to XXXX at that time.
When XXXX continued reporting no receipt, I contacted UMB again on XX/XX/XXXX and was told that the replacement check had been sent to XXXX on XX/XX/XXXX, not XX/XX/XXXX.
UMB now concedes that it can find no record of the XXXX replacement check ever being sent. XXXX is now sending my bill to a collection agency, jeopardizing my credit rating.
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| 05/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Between the dates of XX/XX/XXXX and XX/XX/XXXX there were 10 unauthorized charges on my account. I did not discover this until XX/XX/XXXX. At that time I called to report the unauthorized charges and my account still had a positive balance. They told me they would freeze may card, only to find out a few days later that they had not and my account ended up being in the negative. On XX/XX/XXXX they returned 4 of the 10 payments. I've asked for a supervisor or investigater to keep in contact, but have never received a call for an update. They can not explain to me what is taking so long or why they returned some, but not all of the charges. I also asked why was this account not flagged when these charges were going through, and they said they were going through a system change and was not able to catch it. Also could not explain why they couldnt just deposit the funds and if they found to be non fraudulent just take back out. Very disappointed in this whole process and with UMB customer service and fraud dept.
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| 10/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened up a XXXX XXXX account with the following promotion : Open a XXXX XXXX XXXX account and XXXX account, get {$50.00} once you deposit {$25.00} or more within 7 days. I opened the accounts on XX/XX/2022, funded {$25.00} on the same day.
Also in the terms and condition : " The cash award will be deposited directly to the XXXX XXXX XXXX account within 10 calendar days after the qualification period. Amounts deposited by XXXX in the form of the cash award will be initially held in the eligible accounts core position. You will be provided information regarding the available core positions for the account type you select during the account opening process. You have the option of selecting a money-market fund sponsored by a XXXX affiliate as your core position. No further investment or trading is required to qualify for the offer. '' As of XX/XX/2022, I still have not received the {$50.00}. I inquired about this by phone on XX/XX/2022, and was told it would post the next day. It did not.
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| 02/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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In XX/XX/2021, {$3100.00} was charged to my account for radio and online fees related to a fundraising ad campaign for XXXX XXXX XXXX XXXX XXXX, a nonprofit bringing XXXX XXXX XXXX XXXX XXXX. The campaign was to run online for the month of XX/XX/2021 and then run a week of radio ads leading up to XX/XX/2021 during XXXX XXXX XXXX XXXX
Ads did not run and as I began to complain the radio sales team stopped responding to my inquiries. I am attaching screen shots of the ads platform showing no ads running.
I then contacted the radio station one last time informing them I would contact the credit card provider, UMB Financial. They did not respond so I went to UMB Financial explaining that the radio station did not provide the ad time as promised to get a refund. The following four months have been a back and forth with UMB stating I owe the {$3100.00} for ads that did not run.
I have asked multiple times that the charges be reversed and am now contacting members of the media.
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| 08/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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The custody of my HSA account transferred from XXXX to XXXX XXXX on XX/XX/2022. I had a pending {$340.00} Credit to my account at XXXX that became a permanent credit as of a letter received XX/XX/2022. On XX/XX/2022 I called XXXX XXXX to ask them to transfer the {$340.00} that was apparently " stuck '' at XXXX. I was assured that the funds would be debited from XXXX and credited to XXXX and was provided case # XXXX. The funds were debited from XXXX on XX/XX/2022 and were never credited to XXXX. On XX/XX/2022 I called XXXX and requested status but there was no record of my previous requests so I submitted a new case # XXXX and provided a copy of the letter I received from XX/XX/2022 showing the {$340.00} credit was permanent. I was told the credit would apply to my account in XXXX business days. On XX/XX/2022 and XX/XX/2022 I called both XXXX and XXXX and both at the same time on a conference call. Neither bank shows any record of the {$340.00} ever being credited to me.
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| 12/07/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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UMB Health Care Savings Account transfer or roll-over request XX/XX/2021, documents completed by our bank, XXXX XXXXXXXX XXXXXXXX acting as trustee, signed by us and sent to UMB Bank XXXX No action taken over six weeks. On XX/XX/XXXX we called their customer service. It was extremely difficult to understand the representatives who were also unable to assist us. They refused to transfer us to US based customer service nor any supervisor. Finally after hours on the phone a person agreed to assign a ticket number XXXX which resulted in no action as of today despite another phone called made yesterday, XX/XX/XXXX. I even tried contacting them through XXXX XXXX with the complaint and did get a response that a senior management person of customer service would be reaching out to me yesterday XXXX afternoon. That did not happen. As of this morning, XXXX XXXX still remains in the UMB HSA account with two monthy administration fees charged since our transfer request.
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| 09/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is a continuation of the following complaint from XXXX on XX/XX/XXXX Date of Last Balance Reported Update Amount Amount Past Due Date of Last Payment Actual Payment Scheduled Payment Date of 1st Date of Last Date Maj Del. Charge Off Amount Amount Delinquency Activity 1st Rptd Amount Deferred Pay Balloon Pay Start Date Amount Balloon Pay Date Date Closed XX/XX/XXXX {$5400.00} {$5400.00} XX/XX/XXXX XX/XX/XXXX {$6100.00} XX/XX/XXXX Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Charge Off Revolving Credit Card Individual Account 1. The creditor is manipulating dates on the credit bureau so that it will stay on longer.
2. I am requesting Historical Data ( Payments Date and Amount 3. I have not made any payments since XXXX because XXXX sent the account to XXXX XXXX XXXXThe terms and conditions were not Honor by XXXX XXXX XXXX XXXX XXXX
XXXX advise that thee was nothing that could be done, XXXX XXXX was responsible
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| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was unable to make a payment do to the fact that unbeknownst to me UMB locked up my account over a XXXX fee. I've had XXXX tied to this card for years so it shouldn't have been a foreign charge to the card. Went I attempted to make a payment online and the sight stated there are no credit cards associated with this account. After calling in to find out the problem the late fee on XX/XX/XXXX was reversed on XX/XX/XXXX after UMB CC company acknowledging their mistake. But, they also reported me late/missed payment for XX/XX/2023 to all credit reporting bureaus. This has compromised my score preventing me from getting a better rate for an auto loan. I have attempted to get this corrected for over 60 days with no prevail. I've talked to multiple people from their customer service XXXX number including XXXX supervisors of which XXXX said they would call me back and never bothered to do so. At this point I'm needing help getting this false reporting corrected.
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| 07/05/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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My son has a bank card that accesses my XXXX account. He used the card for a provider charge that depleted my account. At that point XXXX started to charge XXXX fund fees. The fees charged are as follows : XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} When I spoke to customer service at XXXX about it, asking why they they charged so many fees without contacting me through email or text, they said that they would call me. A week and a half later my wife called with the same response. Now it is several weeks later and they never called to resolve my dispute. This is the same kind of dishonest delay tactic that nefarious web vendors use to delay the dispute until the statute of limitations for the transactions makes the dispute void. This same delay tactic happened a year ago regarding a fraudulent charge. They never called me.
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| 09/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is a continuation of the following complaint from XXXX on XX/XX/XXXX Date of Last Balance Reported Update Amount Amount Past Due Date of Last Payment Actual Payment Scheduled Payment Date of 1st Date of Last Date Maj Del. Charge Off Amount Amount Delinquency Activity 1st Rptd Amount Deferred Pay Balloon Pay Start Date Amount Balloon Pay Date Date Closed XX/XX/XXXX {$5400.00} {$5400.00} XX/XX/XXXX XX/XX/XXXX {$6100.00} XX/XX/XXXX Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Charge Off Revolving Credit Card Individual Account 1. The creditor is manipulating dates on the credit bureau so that it will stay on longer.
2. I am requesting Historical Data ( Payments Date and Amount 3. I have not made any payments since XXXX because UMB sent the account to XXXX XXXX XXXXThe terms and conditions were not Honor by XXXX XXXX XXXX XXXX XXXX
UMB advise that thee was nothing that could be done, XXXX XXXX was responsible
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| 08/18/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/2020 opened a checking account online in response to an online offer promotion for {$300.00} bonus if certain terms were met. In addition, a {$200.00} bonus was said to be available for opening a companion savings account. After successfully opening the account online and funding the account with {$100.00} from another external bank account, I attempted to login to my online banking, only to notice that it had been blocked by the bank. Upon calling to see what the issue was, on XX/XX/2020 the bank was requiring certain documents be faxed in order to unlock the online banking. The very next day, on XX/XX/2020 I received an unsolicited email notifying me that my account, opened successfully online on XX/XX/2020, was being closed. I am of belief and suspicion that the account closure is a direct result of my enrollment in the promotional offer and that the bank is acting unscrupulously in closing the account as a result of this enrollment.
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| 05/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I opened a credit card with XXXXXXXX XXXX XXXX. It offered no interest for 12 months on purchases and rewards of {$200.00} when {$1500.00} was charged on credit card within three months plus reward points on purchases. I had made successive payments on card and made more than minimum payment on account. After I had redeemed the {$220.00} rewards I had earned, they decided to close my account before the rewards would be credited on my account on the next statement. UMB had assured me the rewards would be credited on next statement via a phone conversation. A week later they told me I was a credit risk for very questionable grounds despite being in very good standing on my account and having a credit score of around XXXX.
Please look into this matter for me for I feel I was purposely defrauded by UMB given they had sent me a promotional letter in mail in order to get me to open this credit card with the bonus offer. Thank You
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| 12/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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In XX/XX/XXXX the following items were fraudulently charged to my credit card : XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$330.00} on XX/XX/XXXX a credit for {$330.00} posted XX/XX/XXXX - {$110.00} XX/XX/XXXX - {$130.00} I pay this card per item and paid all but the fraudulent items after reporting them to the card company on XXXX/XXXX/XXXX.
On my XXXX/XXXX/XXXX statement the fraudulent items were refunded but a late charge of {$39.00} and a purchase fc of {$28.00} showed and somehow the balance was {$84.00} over what I show due when I pay my statement per item. I contacted company and was told the fees would be reversed.
On my XXXX/XXXX/XXXX statement they only reversed the late fee and not the finance charge. And despite paying per item the bill is now {$420.00} over what I show due.
I take pride in paying my payments on time but am concerned about the impact due to this company not getting their billing done correctly.
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| 03/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Applied for the XXXX XXXX XXXX in XX/XX/2022 and this card has given me the worst service a human being can be offered. From them getting my bank account number wrong to having a complicated way of submitting payments. I have to call every month to make a payment when every other credit card has a smooth way for me to submit payments via a website. I also found out they froze and closed my account just because they wanted to. I have had 10+ years of perfect and on time payments on my credit history. I personally believe this card scammed me to open with them and once I met the requirement to use my cashback option at XXXX in order to buy gold thats when my account was frozen. I own credit cards from multiple lenders and this is by far the worst card I have ever had. To speak to a supervisor took over an hour long and if you ask for a supervisor to call you they do not call you back. I hate this credit card.
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| 06/11/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
Servicemember |
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I want to report that this bank is practicing things that are not favorable to the customer. I checked online banking ( I have pictures ) and my account was and still is fine but there was an overdraft fee. When I call in the guy tells me pending items that are not posted can give you a fee and online banking cant show real time items and the balance in there back system tells them why I got an fee. However the screen shots dont reflect that and it doesn't make sense that you provide me a product that doesn't work to help maintain my account. If at the end of business i see XXXX why do they have XXXX. That would have reflected pending items and there for I shouldn't have had an overdraft fee because there was enough money to clear the check from my actual balance. The bank is getting over and this should be looked at. I do have pictures to prove this. This is not good practice especially in this time.
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| 10/19/2022 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I am unsure exactly what type of mortgage fraud it is.
There is a phone number that came back on my mother 's credit report to a woman.
The exact same woman has mail continuously coming to our house along with several other random pupils mail. These individuals are people whom the either of us have ever even met.
I looked the phone number up to the woman on my mother 's credit report and she once worked at UMB Bank.Several members in my family including my mother, both grandparents, grandparents business, and myself all had Accounts with UMB BANK over the years.
My grandparents banked with the bank for many many years.
I reported this to the post office months ago but have yet to hear back except for one time the same week of XXXX.
My mother 's name is XXXX XXXX, she pays a mortgage on her home that my children and i occupy with her. Her monthly mortgage prices change seldomly as well.
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| 09/04/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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On XXXX, I was alerted to by a colleague of a sign up offer for UMB Bank. I proceeded to sign up for an account and was instantly approved. I initiated a transfer of {$100.00}, which was debited from my other checking account. Not long after that, and without any notification, my account was locked. Attempts to call were met with an hour long wait time.
I received an email on XXXX asking for additional verification and I promptly uploaded the requested documents that I could provide. I called on XXXX after hearing no response at all and was told my documents weren't sufficient and the deadline had passed. I inquired about the {$100.00} transfer and was told it would return in 7-10 business days.
We are now at business day 10 and there is no sign of my funds. To boot, {$3.00} was debited for having mailed statements, which I couldn't even opt out of because I was locked out of my account.
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| 02/03/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I have a cash management account with XXXX XXXX. UMB Bank NA administers the account for XXXX. The routing number for the account is that of UMB Bank, but XXXX is the front for the account. XXXX is placing holds on my EFT deposits without providing fund availability notices. Most recently, they placed a 5 business day hold on an {$8000.00} EFT deposited on XX/XX/23. Had I not looked at the account and noticed the hold on XX/XX/23, most likely I would have had as string of payments being returned for insufficient funds. Note that I am a longstanding Fidelity client, and I have had numerous EFT transfers in the past. There is really no business reason for a 5 day business hold to begin with especially for an EFT, but at a minimum either UMB Bank or XXXX needs to disclose the hold. I believe that they are in violation of Federal law for failing to disclose these holds.
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| 02/17/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I currently work for XXXX and they recently changed custodians for the XXXX XXXX XXXX from UMB Bank over to XXXX. I requested my funds be transferred from UMB to XXXX. The funds never arrived to XXXX and they do not see any pending amounts. When I called UMB, they have no record of me ever having an account, they don't see the amount, the request of the transfer and it is all completely missing. I discovered this when I was looking for tax form 5498-SA and UMB bank did not issue it ( as they claim I never held an account here ). Every document shows my account number which UMB claims does not exist.
I have had the UMB account since XXXX ( have previous years tax documents to show this in form of 5498-SA, 1099-SA and directly on W2 forms. The transfer was requested on XX/XX/XXXX ( documents to show this ). The amount to be transferred was approximately {$9600.00}.
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| 10/04/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
On XX/XX/2023, I initiated a transfer of my HSA from UMB Bank to XXXX through the XXXX portal. I was then directed that UMB Bank refuses to acknowledge these transfers unlike other HSA providers and instead requires me to liquidate and initiate the transfer on their side. I immediately put in that request to liquidate at the end of XXXX ; however, UMB continued to drag their feed not selling the assets until XX/XX/XXXX. They then XXXX the account on XX/XX/XXXX, debited the account on XX/XX/XXXX. They then held the funds for 3 additional weeks claiming they have now sent the check on XX/XX/XXXX.
During this time, UMB never reached out to me with each action needed to be initiated by either XXXX or me. I was then lied to by the UMB rep that paper checks are required for HSA transfers per IRS regulations, on top of their inability to do an in kind transfer.
|
| 12/17/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
In XX/XX/2018, UMB Bank was the custodian of my health savings account ( HSA ) and I asked that my funds be transferred to a new custodian. UMB Bank did not disclose that they were planning on taking {$25.00} from my HSA as a " fee ''. I contacted UMB Bank to request a refund for the {$25.00} they appropriated and they said that what they were doing was customary and they would not refund the " fee ''. I asked them if it was customary to charge an undisclosed " fee '' to customers. They responded with the following non-sequitur : we can provide a copy of a transfer form which mentions the fee. They also said that they had disclosed the fee to " XXXX XXXX XXXX '' which was briefly ( i.e., for a few weeks ) my HSA administrator. When I asked UMB to provide a record of that disclosure they said they would not do so since " XXXX XXXX XXXX '' was their client.
|
| 01/25/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have been attempting to transfer the funds of my XXXX to another firm. UMB Bank has had the necessary forms since XX/XX/2021 and still has not processes the transfer request. I call on XX/XX/XXXX and and agent assured me that the check had been sent and to wait.
I continue to wait as the agent instructed and call the new financial institution which states that nothing has been received. I call UMB back on XX/XX/XXXX and the agent tells me that no check has been sent but that they confirmed that the transfer request was received.
UMB then informs me the following day that I need to find account closure forms on my participant portal, however my account is administered by XXXX so I don't have a portal with UMB.
It would appear that UMB is intentionally obstructing my ability to close/transfer my account despite official documentation of the requests.
|
| 06/27/2022 |
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
|
|
Web |
|
|
In XXXX of XXXX I was billed {$1700.00} for something I did not purchase. I complained to the merchant and my credit card company and as a result my credit card company gave me a credit on my XX/XX/XXXX bill. The credit card company then put the charge back on my bill in XXXX of XXXX. I sent the credit card company a letter in XXXX asking them to keep the charge off my bill, a letter which they ignored. In XXXX I called them and spoke to a representative who sent me a new set of forms to start the whole complaint procedure over again. In XXXX I sent the same letter I had sent in XXXX by XXXX mail, and approximately XXXX weeks later I received a voice mail from the company 's fraud department claiming that they had " taken care of '' this issue already, even though they added the fraudulent charge back into my XXXX bill and have since kept it on my bill.
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
There was a fraudulent attempt to take out a consumer loan under my name. A Hard inquiry was reported on my credit report on XXXX for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Calling the number listed was of no help. I looked up and contacted the address above and explained the fraudulent activity. I explained that there was a hard inquiry on my credit report and an attempt by an identity thief to open an account or take a loan out under my name. I explained how I was going to report this information and dispute the hard inquiry and was trying to gather more information for the report. I was told that they couldn't help and I would need to dispute the inquiry with the credit bureaus.
XXXX said they didn't have any information to provide because the fraudulent attempt was unsuccessful in establishing a loan.
|
| 05/04/2022 |
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
|
|
Web |
|
|
On XX/XX/2021, {$500.00} was withdrawn from my account from a check # XXXX thru XXXX XXXX XXXX XXXX.
The check was paid to the order of an organization and apparently cashed by an individual. There is no bank stamp or any other information on the check In XXXX o XXXXXXXX I contacted the bank to resolve the situation.
I received a letter with the bank image dated XX/XX/2021, and immediately called the bank to inform them that the check was fraudulently cashed, and they agreed to begin an investigation. Service Request XXXX.
After 6 months and XXXX additional phone calls along with an affidavit from the intended recipient the bank has refused to return the {$500.00}.
The bank is responsible for this check as it provided it and did not follow its own procedures when it accepted the check.
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
UMB Bank in XXXX reported I applied for a loan and reported I worked for a employer that I dont even know. That employer contacted me threatening action because a investigation company started harassing him and was contacting police/threatens a lawsuit.
Im on workers comp and found that my disgruntled employer used my employment information to put this on my credit report to cause trouble with workers comp. I called this UMB and they removed the false employer immediately but left the inquiry on my reports. I also requested a report of where and what this application was for and was refused any cooperation. It was made through UMB at their XXXX XXXXXXXX XXXX XXXX. ( Close to my employer ). I know it was made on XX/XX/2023. This bank will not cooperate with me. I have a right to a report.
|
| 02/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
I was contacted by an UMB Bank representative the middle of XXXX XXXX and was shown a flyer expressing several cash incentives that would be given to me if several steps were taken when opening a new account.
All of the steps have been met on my side, but I have yet to receive a {$200.00} cash incentive for providing UMB bank a copy of my most recent CC statement. The CC statement was provided when I opened the account and UMB Bank has ackowledged receipt of the statement.
I have communicated several times with the representative and XXXX XXXX with UMB Bank in XXXX XXXX and have been told repeatedly there is nothing they can to. I would like the {$200.00} incentive to be deposited into my checking account as outlined in their marketing materials and promised by the bank.
|
| 10/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have opened a checking and savings account with UMB on XX/XX/2020. The accounts were opened successfully and was able to manage my account online.
But within a couple of weeks, my accounts got locked and I'm no longer able to access my accounts or funds. The bank even rejected transfers when I transferred money leading to locks on my accounts at other bank as well.
Since then I have been trying to have this resolved and gain access back and it has been already more than a month. Every time I call in they transfer to different persons or ask me to call a different number. They keep me on hold and come back only to say that the person who would look into this issue is not available and promises to call me back. But I never get any call. This is really frustrating.
|
| 10/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I was trying to open a choice checking account with UMB, who asked me for personal information regarding myself and provided me with disclosures. However, during the identification questions step, they generated identity questions of two individuals of whom I don't even know, along with one valid question about my prior address. The application was promptly declined thereafter and no specific reason was provided.
Given that UMB utilized a third-party database and credit agency information, specific reasons as to why this application was declined needs to be disclosed to me per applicable laws and regulations. The company did not provide such information or how issues, if any, can be resolved to open this checking account. I was kept dark during this entire process.
|
| 02/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have been attempting to close my checking and savings account with UMB for several weeks since XXXX out the balance. I have called, sent emails, and sent regular mail. When calling, after an excessive wait, I inevitably get disconnected. Emails get replies that " closing your account can not be done by email. '' No response or action from the regular mail. Now that enough time has past due to their stalling, they have begun charging fees due to " insufficient funds. : '' I attempted five times using three different methods to close this account before any fees were applied. Now that fees have been applied, UMB is stating that the account can not be closed if it has a negative balance. It only has a negative balance due to their not closing it when I first asked.
|
| 09/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I have lost over {$10.00} XXXX plus more amongst every bank I had invested therein or held any repore with. Most of the time my account was held with the one who held my my dire t deposit from the Department of Veteran 's Affairs where my VA compensation would be deposited to every month. XXXX XXXX XXXX XXXX has laundered or embezzled multi millions of US currency and I have the proof on paper to back it up. They stole over {$1.00} XXXX alone out of my money market account which is still open and since XXXX I have not been able to access it. The account in question is XXXX and as well as XXXX XXXX I was merely trying to buy a vehicle with it when XXXX XXXX and XXXX XXXX XXXX to buy themselves fleets of vehicles for their lots out here in Arizona and California
|
| 05/11/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
After ordering from XXXX they suspended my account. They sent me this info in an email that you can not reply back to.
Routing : XXXX Business Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Account Phone : XXXX EIN : XXXX The funds were taken from my business account and I never received any of the items I purchased. I called XXXX and they told me I had a negative remark on my drivers license from an account with UMB Bank. My drivers license is from the state of Kentucky and the number is XXXX. Upon hearing this I call UMB Bank because I have never had an account with them. They pull up all of the info and tell me they dont show anything. I want to know wh is lying and has fraud been committed against me?
|
| 05/03/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
My HSA account with UMB Bank was closed at my request as a HSA Direct Transfer Request on XXXX XXXX , 2017 . {$22000.00} ( along with an account closing fee of {$15.00} ) was debited from my HSA account on XXXX XXXX , 2017 to close the account. As of today, XXXX XXXX , 2017 , this check with {$22000.00} has not been received from UMB Bank by my new XXXX provider, XXXX XXXX XXXX . I called UMB XXXX XXXX today ( XXXX XXXX , 2017 ) for a status on this check. I was informed by the service representative that this check was mailed out on XXXX XXXX , 2017 . How come it took UMB Bank 8 days to mail a check for funds which was debited from my HSA account on XXXX XXXX , 2017 ?
|
| 09/27/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
This is in continuation of the closed file that has not been addressed : AFFIDAVIT OF STATEMENT I am continuing to ask for the same information that I did not receive from the previous closed out reference account below : XXXX Print complaint Closed The company sent alleged payments XXXX XXXXI was out of the country. They have manipulated the payment history or practicing RICO violations.
I asked the company to provide payments transactional report for all payments made from XXXX to XXXX based on the Anti-Money Laundering ( AML ) Law and eDiscovery Laws govern by Banking Institution.
The company sent the Credit Card Agreement Pamphlet for STATEMENTS OF PAYMENTS FOR XXXX
These payments were not made by XXXX XXXX XXXX
|
| 07/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
UMB Bank charge excessive overdraft fees. I got charged {$100.00} in overdrafts on XX/XX/XXXX and I got paid that same day. I called to see if this could be reversed and they told me no. I spoke to the manager and he said they reversed overdraft fees in the past, so they could not reverse these fees. I looked at my account on XX/XX/XXXX and there was no indication that they would be charging these fees. This took away from money i needed to pay bills with. They have also charged three overdraft fees or more in one day before, I've been with this bank for many years and it is ridiculous. I am thinking about closing them and looking elsewhere for a bank that does not steal from their customers.
|
| 01/02/2020 |
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
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Solicited me last year and I accepted a one time one year subscription with them and then three days ago I received a receipt, where they debited my credit card without notification or authorization.
I tried to contact them and the phone number ( XXXX ) goes to voicemail and no call is returned and the number for XXXX XXXX XXXX XXXX XXXX XXXX ) is disconnected.
I also tried to email them ( XXXX ) and got a cryptic response with no signature or contact information and no secondary response after I replied.
Attachments : 1. ) Screen shot of the receipt of them charging my credit card, 2. ) Screen shot of only email response.
|
| 08/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened an account with UMB Bank on XX/XX/XXXX and was approved after seeing a promotion they had for both a checking and savings account ( {$300.00} promotion for the former ; {$200.00} for the latter with the savings account promotion only requiring a deposit, nothing more ). The promotion was not geographically limited and I was accepted out of their footprint. On approximately XX/XX/XXXX, I was locked out of my account with no contact at all until XX/XX/XXXX when they called and left a voicemail. In an email I received that day, I was told I needed to submit documents proving who I was. The email address they told me to send the emails to bounced back as undelivered.
|
| 11/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Servicemember |
|
On XX/XX/2021 i transferred " {$5000.00} '' from my XXXX XXXX XXXX Account through ACH to my XXXX XXXX account whom financial institution is " UMB Bank National Association '' XX/XX/2021 at XXXX they received the deposit AND closed my access to the account the same morning due to " Risk management '' they state.
I've called numerous times from now up to now ( XX/XX/XXXX ) being also told that i would not receive my funds from them in check or any form from them.
XXXX XXXX XXXX ' on XX/XX/XXXX sent a letter of Indemnity to 'UMB Bank National Association ' requesting the funds be reversed back to their institution in which they have not received any response since.
|
| 03/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have a health savings account with UMB Bank. On the online portal it says it takes 2-3 days to process deposits. However, without fail, every time my deposit is made it takes 10 or more days for them to make the funds available to me. Which puts me in a financial hardship situation where I can not go see my doctor because the funds allocated to do so are not being made available to me in a timely manner.
I have called them and complained, and when I call and complain they can magically make those funds available when you threaten to contact the CFPB. However, unless I call to complain on average it takes 10-14 days for them to make funds available to me.
|
| 11/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
I have been having problems with Card Services- Dispute Resolutions XXXX XXXX XXXX, XXXX GA XXXX starting XXXX of this year with incorrect information not updating personal information restricting my access to my accounts via debit card unable to provide any resolution also identity theft unauthorized transactions including no security measures in place also replacement of debit cards that were not received sent to different addresses including unable to forward mail labeled undeliverable I would like a thorough investigation into these card service and woul like to file an extensive complaint. Also including rerouting of mail including mail fraud
|
| 08/22/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
Older American |
|
QuikTrip corporation changed credit card issuer from UMB Bank to XXXX XXXX XXXX XXXX. Unlike others who have changed XXXX XXXX wanted me to reapply for QuikTrip card. I had been with QuikTrip for over eleven years and had a great track record of paying my bill. I know that come XXXX XXXX, 2016 my credit card account with QuikTrip is over. When it hits my score will drop again because its an old account almost eleven years. Other cards I have change issuers and they just sent me out a new card. I guess QuikTrip just wants to throw out all those loyal customers that do n't deserve their loyalty. This is the way QuikTrip does business I guess.
|
| 03/30/2021 |
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
|
|
Web |
Servicemember |
|
I made a purchase from XXXX in XX/XX/2020 and did not receive it as promised within 2 days. I disputed the charge with my XXXX XXXX XXXX card and was issued a temporary credit The item finally arrived in late XXXX so I returned it in XXXX. I have proof of the return. XXXX XXXX XXXX Credit card reversed the temporary credit on my account and XXXX states that they issued a refund. According to XXXX XXXX XXXX they never received the refund from XXXX so the purchase is still showing up in my balance and I am having to make payments on it. It is the only charge I have on this credit card so essentially I am paying for something I returned.
|
| 11/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I recently opened a savings account with UMB Bank in XX/XX/2023 I am now going through card restrictions the information with the cardholder service are not communicating with my actual banker at UMB Bank in XXXX XXXX Missouri. My first debit cards I did not for almost 2 months I was told to discard a card ending in XXXX I never received such card. I would like to put a alert on my card services and please make sure there are no other accounts in my name and that no other cards debit cards have been rerouted or shipped to a different address My name is XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX
|
| 10/14/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
UMB Bank is the banking institution that administers my XXXX Savings account. I have been getting charged for monthly fees that I was not aware of and the money in my XXXX account has dwindled down going to the bank. UMB representative said i could have avoid the fees by optioning for the paperless statement. UMB has it mention on the statement but never put a website or link on the statements. The statements does n't the UMB address and the phone number is very inconspicuous. The statement is very nebulous. The account is setup to not give you any detail information and to drain your account with frivolous fees.
|
| 07/16/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
|
|
UMB Bank sent us an offer by mail of a {$75.00} gift card if we took a draw of at least {$7500.00} against our UltraEquity Line of Credit ( HELOC ) loan. After we did this within the terms of the offer, it has refused to honor the offer of the {$75.00} gift card. Each time that I have called about this matter, I receive a different excuse and no follow up. For example, when I called XX/XX/XXXX, I was told that it would be sent out XX/XX/XXXX. On XX/XX/XXXX, I was told that I received incorrect information and that I would be called back that day as to when I would receive it. However, there was no call back.
|
| 01/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
XXXX XXXX reached out and offer for {$200.00} after meeting with a financial advisor and opening their bank account through UMB Bank. In XX/XX/2021 I had two phone calls with advisor XXXX XXXX and met that requirement. I then opened the bank account at UMB Bank through XXXX XXXX. Since then I have received {$100.00} but not the advertised {$200.00}. I have contacted support numerous times - I'll attach my correspondence dates. They have said they are " working '' on it. The offered a gift card instead but I would like the {$200.00} promised. It shouldn't take months for them to make good on their offer.
|
| 01/23/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Hi have a health savings account with XXXX XXXX XXXX. After I left my job, I received a letter that my account and funds had been transferred to another provider. I called XXXX to have a new debit card sent. They were unable to find my account. After multiple calls, my account was located and a debit card was mailed. I did not receive a new card. I called again in XX/XX/ to request another card be mailed. They said it was mailed and I didn't receive it. I've since called XXXX XXXX XXXX times and I've yet to receive a card. The company has had my money for over a year and I have had no way to access it.
|
| 01/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On XXXX XXXX, XXXX received notification from XXXX XXXX that an amount of XXXX XXXX Direct Debit failed, insufficient funds. The checking account had XXXX XXXX balance. I called customer service and both the service rep and supervisor said that the XXXXXXXX XXXX ( drawn from another XXXX XXXX, no less ) deposited on XXXX XXXX, XXXX did not count as part of the balance until XXXX XXXX, XXXX. Based on the balance on the activity journal, there was no indication that ay funds were unavailable to use and in fact withdrawals where being debited against the XXXX XXXX running balance in the account.
|
| 10/08/2019 |
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
|
|
Web |
Older American |
|
UMB Bank solicited my business by offering me {$200.00} as a reward incentive for which I qualified and my XXXX account was credited.
The UMB Bank credit card solicitation promised ... '' With XXXXXXXX XXXX Zero Liability Policy, you're not responsible for unauthorized charges .... ''.
An 'unauthorized charge ' of {$140.00}, per 'sales ' invoice dated XX/XX/2019, was posted to my account.
In lieu of UMB Bank honoring its " Zero Liability Policy '' the unauthorized charge of {$140.00} was debited against by {$200.00} cash reward incentive ( XXXX XXXX, 2019 )
|
| 07/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I have my Social Security direct deposited to my checking account by ACH at UMB Bank NA, XXXX MO. The bank puts a 5 day hold on it. It is my understanding that deposit crediting rules state that I am supposed to get credit the day following the depsit ( not after a 5 day hold ). The bank 's response was that they do not review ACH deposits and therefore put a 5 day hold on all of ACH deposits. I don't believe that just because they don't want to take the time to review ACH deposits, they should be allowed to disregard deposit crediting rules.
|
| 12/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I placed a check refill order. The checks never arrived. Someone got the checks and used forged signatures to withdraw money from my account fraudulently for a total of {$61000.00}.
I became aware of the fraud on XX/XX/2022 and contacted both customer service and the police that day. It took 55 days for them to mail be a claim packet. I filled out the claim, had it notarized, and sent it on XX/XX/2022.
XXXX XXXX XXXX has not returned these funds.
XXXX XXXX XXXX has not contacted me with any updates.
XXXX Police XXXX XXXX : XXXX
|
| 08/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
UMB Bank was running an offer of {$400.00} cash back bonus if one opens the account and have {$2500.00} or more as direct deposit within 60 days of account opening. I tried opening the account online but it didn't worked. So I went to the UMB Branch in XXXX TX and was able to open the account with the promo code with the help of XXXX.
Within first 60 days, direct deposit of more than {$2500.00} has already happened. Within 30 days {$400.00} should be provided as case back. Followed up with XXXX but not getting any response.
|
| 03/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American, Servicemember |
|
UMB of XXXX XXXX has extended the length of time to do bill pay from accounts and now has refused to make any medication to the problem. All of the problem phone lines say this is a problem and it will be solved ( 2 days ago ). in the mean time I have monthly bills not being paid and having to pay with a 2nd form of payment other then UMB. The usual time for bill pay is 3 days it has now been 7. Is this bank going out of business should I withdraw all of my money before I lose it..
Thanks for any help.
XXXX XXXX
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
XX/XX/2022 - UMB XXXX - never applied for credit XX/XX/2022 XXXX XXXX XXXX XXXXXXXX - never applied for credit XX/XX/2022 - XXXX XXXX XXXX - never applied for credit XX/XX/2022 - XXXX XXXX - XXXX inquires in last XXXX XX/XX/2022 - XXXX XXXX statement XXXX Never worked with XXXX XXXX or applied for credit or deposit accounts XX/XX/2022 - First XXXXXXXX XXXX XXXX - never applied for credit XX/XX/2022 - XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX in their possession. I've never applied for credit with XXXX
|
| 08/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
UMB Bank locked my banking account immediately after opening and has forced me to turn over several pieces of personal information to 'verify ' my identity even after completing the application in full and receiving approval. Requesting copies of social security documents, mortgage documents, and drivers license are incredibly invasive and unnecessary, especially since account has already been approved and my identity verified. They are threatening to close my account if I do not supply documents by XXXX.
|
| 06/06/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
We scheduled a time to open an IRA account for my wife in XXXX. A XXXX cancelled the appointment and rescheduled if for XXXX XXXX, a week later, on XXXX XXXX after XXXX, XXXX, left a message, they do not provide the services on Sat. When asked, why such a late notice, he states, he called before XXXX, time stamp shows XXXX then states, we did not keep the last appointment. He should have just apologized ; there was no excuse for us to wait a week to be told that. We are closing all our accounts this week.
|
| 06/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
UMB BANK took {$500.00} out of my account XX/XX/, 2021 because they accepted a fraudulent check. They are responsible for the fraudulent check in that they cut the check and did not follow procedures when accepting the check for payment. Since then they have agreed to credit my account the {$500.00} a number of times but have never done so.
They have lied numerous times to me that they are going to redeposit the {$500.00}.
They have blocked me from their phone system and will not return my calls.
|
| 05/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
|
UMB refuses to close a Visa card that I want closed. I have gone through this with them over many years. A charge was run through from a company I charged a subscription on many years ago. I paid the charge and closed the card again. Now they are trying to charge me late fees and interest on a card that was supposed to closed. They can't close the card because of the late fees and interest, which were not supposed to be there to begin with. This is predatory lending. I can't get anywhere with them.
|
| 04/10/2018 |
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
|
|
Web |
Servicemember |
|
UMB Credit Card provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked UMB to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX XXXX XXXX XXXX. I am complaining again because I was not satisfied with any of the responses.
|
| 07/13/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
UMB Bank National Association provides account servicing services to my Health Savings Account with XXXX.
On XX/XX/21 I initiated a wire transfer for {$3500.00} to my Health Savings account routing XXXX account XXXX.
The wire of {$3500.00} has been returned instead, and the UMB kept {$50.00} fee, despite advertising no fees associated with the incoming wires.
Please kindly, look into similar complaints in this matter and advise how could we recover missing {$50.00}. Thank you
|
| 08/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
UMB bank first approved my application ( XX/XX/2020 ) for the checking account with the promotion offer, but later on locked my account with no reason. I already transferred {$600.00} into my UMB checking account, and the lock makes it impossible to access my cash in the UMB account. The online rep is extremely rude and told me there is nothing they can do.
My name : XXXX XXXX.
Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX XXXX : XXXX Checking account number : XXXX
|
| 08/18/2016 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
In XXXX I opened a savings account with XXXX XXXX XXXX who has singer merged with UMB Bank at XXXX XXXX XXXX, XXXX, Kansas. According to UMB there is not record of me. I became a customer of XXXX in XX/XX/XXXX. In XX/XX/XXXX I opened a separate savings account with {$300.00}. I NEVER withdrew any money nor added additional monies to this account. I now want and need the {$300.00} plus earned interest for at the least 7years that the bank deemed it inactive. Thank you
|
| 10/01/2016 |
Yes |
|
|
|
Web |
|
|
Quicktrip has offered gas station card through UMB Bank. I held a card which was paid in good standing. They switched provders to XXXX XXXX XXXX XXXX XXXX earlier this year. I changed where I am sending payments and monthly statements provided by XXXX XXXX XXXX XXXX XXXX show my account is laid. But I am now receiving collections letters from UMB Bank saying I owe on my Quiktrip account. What gives?! I have paid every statement I 've gotten!
|
| 04/03/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
XXXX XXXX, 2015 my account at UMB was overdrawn by XXXX an ACH from XXXX bill installments I 'd forgotten about. On XXXX XXXX a 50.00 credit was given to my account by XXXX leaving my account at XXXX. Due process the bank charges their overdraft fee, creating - {$32.00} a negative balance. UMB then started to charge an XXXX negative fee for the next XXXX days. This is unheard of, I thought XXXX and XXXX were thieves. XXXX another fee scam
|
| 11/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
Date of fraudulent activity opening accounts in my name without my consent having fraudulent checks deposited into these accounts dated XX/XX/22 including savings account and checking accounts loans and mortgages using the Federal Benefits from United States Treasury Department for XXXX and impersonating me for XXXX Benefits including accessing my personal information through communication devices. XXXX XXXX or XXXX XXXX
|
| 04/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I applied for a bankcard with UMB Bank, n.a. Received a letter of denial which listed Issuer 's XXXX XXXX as the credit reporting agency. My XXXX credit reports shows that UMB pulled a credit report, not the service listed on the letter. UMB did not disclose that they pulled a credit report from XXXX. There were no credit score details or other disclosers included with their letter of denial which are required by law.
|
| 04/28/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX, 2012 UMB Bank ( XXXX XXXX ) a national bank did, without permission, disclose over XXXX pages of personal financial information concerning our family trusts. In violation of the Missouri rules of civil procedure, XXXX failed to notify the conservator or beneficiaries of the disclosure. After the disclosure a bank representative called our lawyer to inform him of their action. Our lawyer then informed us.
|
| 02/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Hello, I have an HSA account with UMB and they refuse to give me my account number.
I need my account number to pay my insurance premiums and the only way the insurance company accepts payment is an electronic ACH.
Furthermore, I am set up to have online account access and my account number is not available online and they do not provide statements monthly but quarterly!
How is this legal!?!
|
| 04/05/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
An HSA ( Health Savings Account ) was opened by my employer with UMB. Since it was open they have been charging a XXXX service fee every month to my account. I realized when it goes negative, they will expect me to pay back their fees. In order to close my account, they will take {$25.00} off the balance and send me the remainder. I never agreed to any of this because my employer signed me up.
|
| 08/11/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
XXXX XXXX via UMB bank targeted me for a promotion in XXXX, which said that as long as I met the terms of the promotion, I would get {$200.00} deposited into my XXXX XXXX Cash account within 30 days of meeting the terms. I have met the terms for nearly 60 days ( XX/XX/XXXX ) and even though I've reached out twice, I still don't have the {$200.00} that I'm supposed to get from that promotion.
|
| 12/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have been attempting to close checking and saving account since XX/XX/XXXX, including calling, sending secure message from online banking, and written letter to close accounts. Bank has made it nearly impossible to close the account and is now levying fees as the fee waiver requirements are not being met as all monies have been removed from the accounts in anticipation of closure,
|
| 08/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I opened an account with UMB Bank through an online application on XX/XX/2020. The bank took my initial funding of {$100.00} and withdrew the money from my XXXX XXXX XXXX checking account. UMB Bank has now locked me out of my new checking account and has provided no way for me to receive a refund of my initial funding of {$100.00}. They have essentially held my money hostage.
|
| 03/01/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2021 I initiated a trustee-to-trustee transfer from UMB Bank to XXXX Bank for a specified amount. The form I sent to UMB Bank clearly stated the amount to be transferred and that my account with UMB Bank should NOT be closed. UMB transferred the entirety of my account balance to XXXX XXXX and closed my account. They also charged me a {$25.00} account closure fee.
|
| 08/16/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have been trying to withdraw funds from my account but they put a withdrawal restriction on the account since last XXXX ... I filed a previous complaint about this but you refered me to FINRA but after awhile they advised me to submit another complaint with you because the problem is about my right to withdraw funds I deposited to my account
|
| 04/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
I have received a bill in the mail for a phony Visa card that I do not have. The Visa bill makes no reference to a business or company that would make it legitimate, such as a gas station visa, a department store visa, or an airline visa.The charge they are showing is {$160.00}. The bill is from XXXX XXXX XXXX in XXXX and is clearly a scam.
|
| 11/30/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
UMB XXXX XXXX ( https : //hsa.umb.com/ ) is a predatory company that charges excessive fees for their accounts. There's a monthly fee, account maintenance fee, account closure fee, etc.
Please fine them into oblivion for their XXXX business practices that simply steal money from the workers of this country and funnel it to executives.
|
| 05/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I had fraudulant activity and wanted to close my account. I have called multiple times and the best I could do was to place my card on hold. I tried calling again today and gave up after XXXX XXXX on hold. I mailed a letter via XXXXXXXX XXXX XXXX weeks ago and no response. I want to completely clost this account. Can you help?
|
| 05/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
Found out about this on my credit report. Mailed a check to the address on the credit with a letter I was unaware of the debt but would pay only if they removed. They cashed the check then sent a letter refusing to remove the debt from credit. I dont even know what this is for! I dont have a letter or statement from them.
|
| 03/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX/XXXX SO XXXX number XXXX Account XXXX XXXX is a fraud account which was resloved years ago.
XXXX XXXX had fraud tied to it XXXX XXXX XXXX didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19
|
| 11/28/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Without any prior notice, XXXX XXXX XXXXUMB Bank ( merger ) canceled our health savings account debit card, and blocked access to our funds through their website. We were unable to pay our XXXX premiums and other health related medical and dental bills. They refused to reply to our concerns.
|
| 04/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
UMB visa debit card stopped working after XX/XX/XXXX UMB continued taking fees on non working card XX/XX/XXXX {$5.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$5.00} Moved my remaining balance to a different card but never informed me nor provided a new card. Have taken an additional {$18.00} in fees.
|
| 02/23/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
Bank stated that their policy when executing a trustee transfer for a Health Savings Account is to close all accounts despite explicit instructions from the account holder to transfer a specific amount of money that is less than the full balance of the account to the stated trustee.
|
| 05/02/2016 |
Yes |
|
|
|
Web |
|
|
I was issued a new card due to security breach in the company. I have paid on time and the checks have been cashed by the company but they are being credited to the inactive account, not the new number. Bank refuses to resolve this situation and the card has been placed on hold.
|
| 12/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
Opened a XXXX XXXX XXXX account under the terms to receive a {$200.00} bonus after receiving a portfolio review.
Portfolio review completed on XXXX XX/XX/XXXX Account opened on XXXX XX/XX/XXXX Received only {$100.00} bonus after contacting XXXX XXXXXXXX on XXXX XX/XX/XXXX.
|
| 07/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Tried to open a checking account online with UMB. Was told I would be contacted in a few days but have received no letter, no call, no correspondence. Just found out they denied my account. No information as to why!
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is in the incomplete response to UMB alleged payment history payments XXXX to XXXX XXXX Status Submitted to the CFPB on XX/XX/XXXX Product Debt collection Issue False statements or representation
|
| 12/19/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
|
|
We received a cashier 's check from a tenant and the maker of the check, UMB, NA/XXXX XXXX does not want to honor the checks and they bounced it. See attached supporting documents.
|
| 12/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2023 I put in a request to withdraw my available balance at the time to my linked checking account. It has been sitting in Pending status since XX/XX/2023.
|
| 08/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have been trying to close my UMB checking account. Sent email to the point of contact - no response. Tried chatting with UMB customer service - only chat bots.
|
| 05/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Umb bank closed out my account gave me my money out of account then after account was closed ymb said I owe them money which I don't its up to XXXX dollars now
|
| 10/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
UMB Bank administers my HSA. They enrolled me in paper statements at a rate of {$1.00} per statement absent my authorization. The bank refused to disenroll me.
|
| 08/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
Umb did not send me my credit card or open an account. I have a high credit score and should be approved.
|
| 10/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Cards used without my knowledge Banking information used without my knowledge Fear for my life
|
| 10/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Someone got a hold of my debit card number and charged a few items to my debit card
|
| 01/24/2024 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/16/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit 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
|
|
Web |
Older American |
|
|
| 01/06/2024 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 12/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 12/15/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/26/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 10/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Older American, Servicemember |
|
|
| 10/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
Older American |
|
|
| 09/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Referral |
|
|
|
| 09/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 08/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 08/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 08/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 08/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Referral |
|
|
|
| 07/31/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 07/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
|
| 06/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
|
| 04/25/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
|
| 04/18/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/01/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 01/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 11/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 11/02/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 10/24/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Servicemember |
|
|
| 09/01/2022 |
No |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Referral |
|
|
|
| 06/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
|
|
|
| 06/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 05/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/20/2022 |
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
|
|
Referral |
|
|
|
| 05/04/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 04/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Referral |
|
|
|
| 04/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 04/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Postal mail |
Older American |
|
|
| 04/04/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 03/31/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 03/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 03/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 03/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 02/25/2022 |
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
|
|
Referral |
Older American, Servicemember |
|
|
| 02/22/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/09/2022 |
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
|
|
Web |
|
|
|
| 02/09/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American, Servicemember |
|
|
| 01/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 01/11/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/01/2021 |
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
|
|
Web |
|
|
|
| 10/11/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Older American |
|
|
| 09/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 08/18/2021 |
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
|
|
Referral |
|
|
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 07/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Phone |
Older American |
|
|
| 05/19/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 05/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 05/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 04/27/2021 |
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
|
|
Web |
|
|
|
| 04/05/2021 |
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
|
|
Web |
|
|
|
| 02/23/2021 |
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
|
|
Referral |
|
|
|
| 02/06/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 01/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 01/15/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
Older American |
|
|
| 12/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 12/18/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 12/17/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- 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
|
|
Phone |
|
|
|
| 08/31/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 08/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/18/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 08/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 06/19/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 06/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American, Servicemember |
|
|
| 05/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 05/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 04/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Fax |
|
|
|
| 04/07/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 04/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 03/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 03/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 02/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 02/11/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 01/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Phone |
|
|
|
| 12/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 12/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 11/21/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 11/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 10/17/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 07/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 07/12/2019 |
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
|
|
Phone |
Older American |
|
|
| 06/25/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 06/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 06/18/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 05/22/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Postal mail |
|
|
|
| 05/15/2019 |
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
|
|
Referral |
|
|
|
| 05/14/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 04/11/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 02/13/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 02/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/29/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 01/23/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 12/31/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/24/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 11/14/2018 |
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
|
|
Phone |
|
|
|
| 10/24/2018 |
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
|
|
Referral |
|
|
|
| 10/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 10/14/2018 |
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
|
|
Web |
Older American |
|
|
| 10/05/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 09/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 09/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 08/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 08/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 07/31/2018 |
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
|
|
Referral |
|
|
|
| 07/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
|
| 06/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 05/09/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 04/19/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/29/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 03/18/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 02/23/2018 |
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
|
|
Web |
|
|
|
| 02/14/2018 |
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
|
|
Fax |
|
|
|
| 01/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 01/13/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
|
| 12/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 10/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 09/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/08/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
|
| 09/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/19/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 03/10/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/17/2017 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 02/13/2017 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/04/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Postal mail |
|
|
|
| 11/30/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/28/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/07/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/23/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/10/2016 |
Yes |
- Prepaid card
- Payroll card
|
- Unauthorized transactions/trans. issues
|
|
Web |
Servicemember |
|
|
| 06/29/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
Servicemember |
|
|
| 06/09/2016 |
Yes |
- Bank account or service
- Savings account
|
|
|
Postal mail |
|
|
|
| 05/20/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 05/12/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Phone |
|
|
|
| 04/26/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American, Servicemember |
|
|
| 03/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 02/10/2016 |
Yes |
|
|
|
Web |
Older American |
|
|
| 02/05/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 02/04/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Fax |
|
|
|
| 02/03/2016 |
Yes |
|
|
|
Web |
|
|
|
| 01/31/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 12/21/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Postal mail |
|
|
|
| 12/21/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/18/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 12/16/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 11/23/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/19/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 10/06/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 09/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 07/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 07/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 03/20/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 02/19/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 01/25/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/02/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 12/24/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 12/17/2014 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 11/21/2014 |
Yes |
|
|
|
Referral |
|
|
|
| 11/17/2014 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 11/15/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 10/29/2014 |
Yes |
|
- Customer service / Customer relations
|
|
Referral |
|
|
|
| 10/29/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 09/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 08/25/2014 |
Yes |
|
|
|
Web |
|
|
|
| 08/15/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 08/04/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/01/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/11/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/08/2014 |
Yes |
- Money transfers
- International money transfer
|
- Incorrect/missing disclosures or info
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Referral |
|
|
|
| 06/26/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 06/09/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/16/2014 |
Yes |
|
|
|
Web |
|
|
|
| 05/12/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Servicemember |
|
|
| 05/07/2014 |
Yes |
|
|
|
Referral |
|
|
|
| 04/10/2014 |
Yes |
|
|
|
Postal mail |
|
|
|
| 04/10/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 04/04/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 03/27/2014 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 03/26/2014 |
Yes |
|
|
|
Phone |
|
|
|
| 03/25/2014 |
Yes |
|
|
|
Web |
|
|
|
| 03/24/2014 |
Yes |
|
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
- Bank account or service
- Cashing a check without an account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 01/30/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American, Servicemember |
|
|
| 01/17/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 01/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 01/08/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 12/07/2013 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 10/29/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/17/2013 |
Yes |
|
|
|
Web |
|
|
|
| 10/03/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 09/16/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 08/09/2013 |
Yes |
|
|
|
Web |
|
|
|
| 07/31/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 07/24/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 07/12/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 07/08/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 07/02/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/26/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/24/2013 |
Yes |
|
|
|
Phone |
Servicemember |
|
|
| 06/19/2013 |
Yes |
|
- Credit card protection / Debt protection
|
|
Phone |
Older American |
|
|
| 05/09/2013 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 04/25/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 04/01/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
Older American |
|
|
| 04/01/2013 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 03/25/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/07/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 02/27/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/15/2013 |
Yes |
|
- Credit decision / Underwriting
|
|
Phone |
Servicemember |
|
|
| 01/29/2013 |
Yes |
|
|
|
Web |
Older American |
|
|
| 01/24/2013 |
Yes |
|
- Application processing delay
|
|
Postal mail |
|
|
|
| 01/24/2013 |
Yes |
|
|
|
Web |
|
|
|
| 01/18/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/16/2013 |
Yes |
|
|
|
Web |
|
|
|
| 12/18/2012 |
Yes |
|
|
|
Referral |
|
|
|
| 11/26/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 11/08/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/28/2012 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 10/25/2012 |
Yes |
|
|
|
Referral |
|
|
|
| 10/17/2012 |
No |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 10/02/2012 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 08/08/2012 |
Yes |
|
|
|
Web |
|
|
|
| 07/25/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/25/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/18/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 07/09/2012 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 07/02/2012 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/13/2012 |
No |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/25/2012 |
No |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/20/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/19/2012 |
No |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 04/10/2012 |
No |
|
|
|
Web |
Older American |
|
|
| 04/02/2012 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 03/21/2012 |
No |
|
- Identity theft / Fraud / Embezzlement
|
|
Referral |
|
|
|