UMB BANK, NATIONAL ASSOCIATION

2015-09-09

Manhattan, KS

Making/receiving payments, sending money

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

2015-07-16

Bloomington, MN

Making/receiving payments, sending money

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-07-16

Saint Clair, MO

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2015-07-16

Cottleville, MO

Problems caused by my funds being low

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-07-12

Grosse Ile, MI

Account opening, closing, or management

Bank account or service: Savings account

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

Disputed: Yes Timely Response

2015-04-03

Kansas City, MO

Problems caused by my funds being low

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-03-20

Kansas City, MO

Account opening, closing, or management

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

2015-02-19

Columbia, MO

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-01-25

Hazelwood, MO

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-01-02

Garrison, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2014-12-24

Poplar Bluff, MO

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed

Disputed: No Timely Response

2014-12-17

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2014-11-21

Gardner, KS

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2014-11-17

Akron, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed

Disputed: No Timely Response

2014-11-15

Oak Grove, MO

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2014-10-29

Mt Pisgah, IN

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2014-10-29

Lockport, IL

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2014-09-22

Lenexa, KS

Communication tactics

Debt collection: I do not know

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2014-08-25

Mehlville, MO

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2014-08-15

Las Vegas, NV

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2014-08-04

Cleveland, OH

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2014-08-01

Chilhowee, MO

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2014-07-11

Centennial, CO

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2014-07-08

Warrensburg, MO

Incorrect/missing disclosures or info

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: No Timely Response

2014-06-26

Oak Grove, MO

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response