Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #5759159
Complaint Overview
Complaint ID: 5759159
Company: Umb Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Can't stop withdrawals from your account
State: Missouri
ZIP Code: 64068
Date Received: 2022-07-11T12:00:00-05:00
Date Sent to Company: 2022-07-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #5759159 about?
Complaint #5759159 was filed against Umb Financial Corporation regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2022-07-11T12:00:00-05:00.
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 (Checking or savings account) 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.