UMB BANK, NATIONAL ASSOCIATION

2016-06-09

Saint Louis, MO

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-06-06

MO

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: 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.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2016-05-20

Oak Park, IL

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

Disputed: No Timely Response

2016-05-12

Calumet City, IL

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2016-05-02

Wonder Lake, IL

Payoff process

Credit card:

Complaint: 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.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with monetary relief

Disputed: No Timely Response

2016-04-28

KS

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-04-26

Ormond Beach, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2016-03-23

MO

Using a debit or ATM card

Bank account or service: Checking account

Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: No Timely Response

2016-03-22

Kansas City, KS

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-23

OH

Account opening, closing, or management

Bank account or service: Savings account

Complaint: 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.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: Yes Timely Response

2016-02-10

Harvard, NE

Other

Credit card:

Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2016-02-05

Saint Louis, 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 monetary relief

Disputed: No Timely Response

2016-02-04

Avondale, MO

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-03

Harvard, NE

Other

Credit card:

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-31

Allegheny, PA

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

Disputed: Yes Timely Response

2016-01-22

Cheverly, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: 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.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2015-12-21

Topeka, KS

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

Disputed: No Timely Response

2015-12-21

Raleigh, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-12-18

Sand Barrens, IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-12-16

Bethesda, MD

Late fee

Credit card:

Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2015-11-30

Federal Way, WA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: 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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: No Timely Response

2015-11-23

Wilmette, IL

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

Disputed: No Timely Response

2015-11-19

Klamath Falls, OR

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2015-10-14

GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-10-06

Saint Louis, MO

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response