Money transfer, virtual currency, or money service -- Money was not available when promised -- Complaint #9923702

Complaint Overview

Complaint ID: 9923702

Company: Umb Financial Corporation

Product: Money transfer, virtual currency, or money service

Sub-Product: Domestic (US) money transfer

Issue: Money was not available when promised

State: Tennessee

ZIP Code: 370XX

Date Received: 2024-08-25T12:00:00-05:00

Date Sent to Company: 2024-08-25T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Request to transfer partial XXXX funds from UMB Bank to XXXX Start Date XXXX Transfer from UMB BANK XXXX XXXX to XXXX XXXX As of XXXX The estimated completion date of your transfer is XXXX Your transfer is in progress at UMB BANK ( XXXX XXXX. Reference ID : XXXX **** Below correspondences with HSA provider XXXX is currently holding my funds hostage *** From : XXXX XXXX ( Client Service ) XXXX Sent : Monday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX XXXX XXXX Subject : [ XXXX ] Re : XXXX Item Received : XXXX XXXX XXXX to XXXX XXXX XXXX XXXX request XXXX Security Reminder ] Please use caution - message originated from outside XXXX. Your request ( XXXX ) has been updated. To add additional comments, reply to this email. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX I apologize profusely for the typo. I have requested your check to be voided and reissued. Once I have the check details I will share them. Kind regards, XXXX XXXX XXXX Help XXXX XXXX XX/XX/XXXX, XXXX XXXX Looking at your check image, someone at your company put down the wrong reference number. Your check shows a memo line of : FILE XXXX, but that is not the reference ID from XXXX. Start Date XXXX Transfer from UMB BANK XXXX XXXX ) XXXX to XXXX XXXX As of XXXX The estimated completion date of your transfer is XXXX Your transfer is in progress at UMB BANK ( XXXX XXXX. Reference ID : XXXX Thanks, XXXX XXXX XXXX XXXX Implementation Consultant, Americas XXXX XXXX XXXX XXXX XXXX x XXXX XXXX | www.shijigroup.com XXXX XXXX XXXX ), XXXX | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX, I can confirm that the check we sent to XXXX on your behalf has not been deposited but have not further update. Unfortunately, we are at the mercy of the mail system. Have you had a chance to give the check details to XXXX? If they do not receive the funds by Wednesday, XX/XX/XXXX, please let me know. We will void the check and send a re-issued check. Kind regards, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX As of XX/XX/XXXX XXXX has not received the check that you claimed was mailed on XX/XX/XXXX. Please advise the whereabouts of my funds! Thanks, XXXX XXXX | XXXX Implementation Consultant, Americas XXXX XXXX XXXX XXXX XXXX x XXXX XXXX | XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX, Your transfer check was generated on XXXX, and likely in the mail on XXXX. I have attached the check details. I would expect that XXXX would receive it at any moment. Best regards, XXXX Elevate Support Attachment ( XXXX ) Screenshot XXXX at XXXX XXXX XXXX ( Elevate ) XX/XX/XXXX, XXXX XXXX XXXX XXXX Understood, I will wait for the funds to settle and leave {$1000.00} in the account. Regards, XXXX Elevate Support XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, When the investments settle, {$1000.00} to remain in this account and the remainder transferred to XXXX XXXX, XXXX XXXX XXXX XXXX Implementation Consultant, Americas XXXX XXXX XXXX XXXX XXXX x XXXX XXXX | www.shijigroup.com XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX, Please accept my apology as your form clearly states that you wanted {$2000.00} to be transferred. If you would like for all funds to be transferred, please let me know and I will wait for the investments to settle and then transfer your full account. For that pharmacy decline on XX/XX/XXXX, XXXX XXXX was not identifying the item you were purchasing as being eligible. I see that you successfully submitted a claim for reimbursement for that expense. Please let me know how you would like to proceed with your transfer of assets, with all funds or your original intent of {$2000.00}. Kind regards, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX The cash in my account was more than sufficient for the requested transfer to XXXX XXXX I have submitted a sell request for all my investments. This is all the result of your declining my debit card transaction from the hospital pharmacy on XX/XX/XXXX with no explanation. Thanks, XXXX XXXX | XXXX Implementation Consultant, Americas XXXX XXXX XXXX XXXX XXXX x XXXX XXXX | XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX The cash in my account was more than sufficient for the requested XXXX to XXXX. I have submitted a sell request for all my investments. Thanks, XXXX XXXX | XXXX Implementation Consultant, Americas XXXX XXXX XXXX XXXX XXXX x XXXX XXXX | XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX, We recently received a transfer XXXX from XXXX but you have investments that must be liquidated and settled into cash before the transfer can be processed. Please liquidate those funds and reply to this email that you have done so. We will wait for those funds to settle and then process your transfer to XXXX. Best regards, XXXX XXXX XXXX XXXX This email is a service from XXXX. Delivered by Zendesk [ XXXX ] shiji-sjg-banner

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