UMB BANK, NATIONAL ASSOCIATION
Consumer Complaints
There are over 214 complaints on file for UMB BANK, NATIONAL ASSOCIATION. Dated between 2019-11-26 and 2012-05-11.
Complaints Page 4
2017-08-01
Washington, DC
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation
2017-06-19
Blue Springs, MO
Opening an account
Checking or savings account: Other banking product or service
Unable to open an account
Company Response: Closed with explanation
2017-05-03
Katonah, NY
Closing an account
Checking or savings account: Other banking product or service
Funds not received from closed account
Complaint: 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 ?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-27
Rncho Domingz, CA
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-26
MO
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: 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.
Company Response: Closed with explanation
2017-03-10
Minneapolis, MN
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-02-22
FL
Deposits and withdrawals
Bank account or service: Checking account
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-02-17
Saint Joseph, MO
Account opening, closing, or management
Bank account or service: (CD) Certificate of deposit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-02-13
Hazelwood, MO
Other transaction issues
Money transfers: Domestic (US) money transfer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-01-05
San Francisco, CA
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-01-04
Clayton, MO
Deposits and withdrawals
Bank account or service: Other bank product/service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-01-03
Lenzburg, IL
Problems caused by my funds being low
Bank account or service: Checking account
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-11-30
Creve Coeur, MO
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-11-28
Milwaukee, WI
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-07
Rock Hill, MO
Problems when you are unable to pay
Consumer Loan: Installment loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-10-06
Chandler, AZ
Loan servicing, payments, escrow account
Mortgage: Other mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-10-01
KS
Balance transfer
Credit card:
Complaint: 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!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-09-23
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-09-10
Fairlawn, VA
Unauthorized transactions/trans. issues
Prepaid card: Payroll card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-08-30
MO
Using a debit or ATM card
Bank account or service: Checking account
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-08-22
Fort Russell, IL
Closing/Cancelling account
Credit card:
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-08-18
Moapa, NV
Deposits and withdrawals
Bank account or service: Savings account
Complaint: 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-07-31
Kansas City, MO
Billing disputes
Credit card:
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-06-29
Clayton, MO
Deposits and withdrawals
Bank account or service: Checking account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-06-13
Charlotte, NC
Making/receiving payments, sending money
Bank account or service: Checking account
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation