Credit card or prepaid card -- Closing your account -- Complaint #5283696
Complaint Overview
Complaint ID: 5283696
Company: Umb Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Can't close your account
State: Arizona
ZIP Code: 85248
Date Received: 2022-03-03T12:00:00-05:00
Date Sent to Company: 2022-03-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #5283696 about?
Complaint #5283696 was filed against Umb Financial Corporation regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2022-03-03T12:00:00-05:00.
How did Umb Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Umb Financial Corporation?
Yes, visit the Umb Financial Corporation company profile at readthecomplaint.com/company/umb-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.