5721818
|
2022-06-28
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Mortgage
|
Sub Product |
Home equity loan or line of credit (HELOC)
|
Date Received |
2022-06-28
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-06-29
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
N/A
|
|
1689680
|
2015-12-09
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Mortgage
|
Sub Product |
Other mortgage
|
Date Received |
2015-12-09
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-12-15
|
Company Public Response |
Company chooses not to provide a public response
|
Consumer Consent Provided |
N/A
|
|
2936118
|
2018-06-13
|
Problem caused by your funds being low
|
Checking or savings account
|
|
Issue |
Problem caused by your funds being low
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Checking or savings account
|
Sub Issue |
Overdrafts and overdraft fees
|
Sub Product |
Checking account
|
Date Received |
2018-06-13
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-06-14
|
Consumer Consent Provided |
N/A
|
|
2555336
|
2017-06-21
|
Managing an account
|
Checking or savings account
|
|
Issue |
Managing an account
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Checking or savings account
|
Sub Issue |
Deposits and withdrawals
|
Sub Product |
Checking account
|
Date Received |
2017-06-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-06-21
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I am having trouble with Zions Bank not approving direct deposit from my current employer into my checking account. It shows that my employer tried to deposit my check but was only allowed to deposit XXXX. Its very frustrating to sign up for something and it not go through.
|
Consumer Consent Provided |
Consent provided
|
|
2758668
|
2017-12-18
|
Managing an account
|
Checking or savings account
|
|
Issue |
Managing an account
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Checking or savings account
|
Sub Issue |
Deposits and withdrawals
|
Sub Product |
Checking account
|
Date Received |
2017-12-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-12-18
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I needed to open a account for direct deposit, was unable to as I had no previous account. My daughter had a account with Zions bank which I was able to use to get history, so I was able to open my own account apx. 6 months later at that time, I was to be taken off of her account, we never followed up to make sure it was done. I am not sure when this all transpired as it has been a long time ago. My daughter lost her income and was not able to keep that account, which put it in default. She closed it and filed bankruptcy and the account was included in it, and the bankruptcy was dismissed on XXXX. Jump to XXXX of XXXX I was called as to what I was going to do about this account. The gentleman was very rude in his conversation as I told him it was done through the bankruptcy, that I had nothing to do with that account and since no one disputed the judgment, it was taken care of. Now that I will not talk to him about this, he will reverse my payments that I make and put the money back in my account, if I do n't keep on top of it, my payment will not be made, which could cost me my job as one of the payments he reversed was for my phone, if I do n't have a phone I do n't have a job, company policy. But it could create a lot more issues with my credit. I 've tried to talk with him but the last time, words were said on both sides, and I do n't see any resolution with speaking with him, and my bank said to contact you with regards to this matter, I thank you for your time XXXX
|
Consumer Consent Provided |
Consent provided
|
|
2956213
|
2018-07-06
|
Managing an account
|
Checking or savings account
|
|
Issue |
Managing an account
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Checking or savings account
|
Sub Issue |
Deposits and withdrawals
|
Sub Product |
Checking account
|
Date Received |
2018-07-06
|
Submitted Via |
Web
|
Company Response |
Closed with monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-07-06
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I made a cash deposit into my checking account on XX/XX/18 at XXXXXXXX XXXX PST. On XX/XX/18 at XXXX XXXX PST I logged onto my account and see that this deposit has NOT been credited to my account. This has made my account go to a negative status AND I was unable to withdraw cash this morning at XXXX XXXX PST.
This is UNACCEPTABLE. There is no excuse or reason for this other than the bank 's error. I called their headquarters when they opened at XXXX XXXX Mountain Time Zone, XXXXXXXX XXXX PST. They said there is nothing they can or will do and to go into my local branch when the bank opens at XXXX XXXX. I was going out of town this morning, leaving at XXXX XXXX, and have cancelled my plans due to this error. I have very little money and this has altered my plans and created undue stress for me. There is no valid reason for this to occur.
|
Consumer Consent Provided |
Consent provided
|
|
2895708
|
2018-05-03
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
Tags |
Older American
|
Issue |
Problem with a purchase shown on your statement
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Credit card or prepaid card
|
Sub Issue |
Card was charged for something you did not purchase with the card
|
Sub Product |
General-purpose credit card or charge card
|
Date Received |
2018-05-03
|
Submitted Via |
Web
|
Company Response |
Closed with monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-05-03
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I had changed my card number at Zions Bank for a security issue and somehow companies I no longer do business with have obtained the new card number ending in XXXX without my authorization.
XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX NY {$21.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CA {$18.00} In addition, the card number was obtained by XXXX XXXX XXXX XXXX without my authorization. I wish to continue to receive this subscription.
Zions Bank, XXXX XXXX XXXX, UT claims they did not give the number out.
|
Consumer Consent Provided |
Consent provided
|
|
9713050
|
2024-08-03
|
Money was not available when promised
|
Money transfer, virtual currency, or money service
|
|
Issue |
Money was not available when promised
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Money transfer, virtual currency, or money service
|
Sub Product |
International money transfer
|
Date Received |
2024-08-03
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-08-05
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
N/A
|
|
1557351
|
2015-09-09
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Mortgage
|
Sub Product |
Home equity loan or line of credit
|
Date Received |
2015-09-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-09-09
|
Company Public Response |
Company chooses not to provide a public response
|
Complaint What Happened |
Ten years ago, I set up a HELOC loan as a XXXX mortgage on my home, in order to take care of emergency bills that had arisen, etc, and then with other needs over time, that amount ended up at $XXXX, which I have now been paying Interest-Only on for the past XXXX years - around $XXXX/month. Originally, back in XX/XX/XXXX, I was going to pay off all of my debt (including the HELOC and primary mortgage) with the sale of land, for which I had committed buyers for $XXXX total, for XXXX land parcels totaling XXXX acres. However, an administrator for XXXX County messed up my subdivision transaction, dragging me out for 2 years, and costing me XXXX of dollars. I lost both buyers at around the 1 year mark, and then by the XXXX year mark when the County finally gave me the subdivision, the real estate market crashed. At that point, my house was completely upside-down on just the 1st mortgage, let alone the HELOC sitting as the 2nd. Zions Bank is the lender for the HELOC. I didn't feel the financial pain of being upside-down until my ex-wife abandoned our marriage for another man, XXXX, and then drained me of XXXX of XXXX of dollars. At that point, I was trying to live on a monthly deficit, so I tried to work with Zions Bank to allow a short sale --which my primary mortgage lender, XXXX, was willing to do. But Zions refused. They also refused to work with me on any principal reduction or modification. Fortunately, my primary lender provided a modification program significant enough to keep me in the home, so I kept paying the approx. $XXXX/mo to Zions and didn't skip a beat. Then, in XX/XX/XXXX, my corporate employment ended, due to our company being bought and downsized. By the time my severance pay ended in XX/XX/XXXX, I hadn't been able to obtain a job that came anywhere near replacing my income, so I was in a more serious monthly deficit than ever before. So, I contacted Zions Bank again to discuss the situation with them and see what they would work out with me. They told me to fill out a Hardship Packet, so I spent hours gathering all the information, filling out the forms, etc, and submitted it. They responded back with a denial letter, stating that my income was TOO LOW to qualify for their loan modification program!! I was blown away -- that was the whole reason I had submitted the hardship packet in the first place. Why would I have even approached them if my income was sufficient??!! SO, I complained about the denial, and they said I could submit an appeal. Which I did right away; and all they did was deny it too, on the same basis. It was a sham. Fast forward to this summer, when I received a letter from Zions Bank, stating that my HELOC will balloon to a payment of approximately $XXXX on XX/XX/XXXX (a little over XXXX weeks from now). The letter said to contact them if I "anticipate difficulty in being able to make the required payments" and said, "there may be options available to you"...and then they listed various options, such as "extension of loan term", "interest rate reduction", "principal forbearance", etc. But, when I contacted them, they informed me that -- since I had already been denied by them previously -- they wouldn't do anything to help me, unless I could show that my income had significantly improved! Again, if my income had significantly improved, why would I be contacting them?!? So, I am sick and tired of their tactics -- they are essentially forcing me to default, so they can put me into collections. That is going to harm the credit standing I have worked XXXX years to maintain, and I am extremely frustrated with them. A friend of mine heard about my situation and suggested I contact CFPB.
|
Consumer Consent Provided |
Consent provided
|
|
4266990
|
2021-04-02
|
Closing your account
|
Credit card or prepaid card
|
|
Issue |
Closing your account
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Credit card or prepaid card
|
Sub Issue |
Can't close your account
|
Sub Product |
General-purpose credit card or charge card
|
Date Received |
2021-04-02
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-04-02
|
Complaint What Happened |
I asked to be removed from a Zions Bank credit card joint account with my ex-wife. I sent a letter on XX/XX/XXXX asking to have my name removed from this account. I was contacted on my phone by a Zions Bank representative on XX/XX/XXXX, from Zions phone at XXXX. The representative said that my name could not be removed at that time because there was still a balance of {$940.00}. He said that when it is paid off in full, I could have my name removed. It was paid off in XX/XX/XXXX, so I asked again through a letter on XX/XX/XXXX to be removed from this account. I heard nothing from Zions Bank and it still is shown as a joint account. My ex-wife is now charging again on this account and it is charged up to {$1500.00}. I should not be held responsible. This account was issued to my ex-wife and I on XXXX, XXXX, XXXX. I no longer live at the same address as my ex-wife. She and I are now divorced since XX/XX/XXXX. I wish to have my name completely removed from this account. I do not want to be held responsible for any charges to this account.
|
Consumer Consent Provided |
Consent provided
|
|
4030226
|
2020-12-24
|
Trouble during payment process
|
Mortgage
|
|
Tags |
Servicemember
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2020-12-24
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-12-24
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
This complaint is about a misapplied payment and Zions Banks inability and/or unwillingness to correct the error.
I was sent a delinquency letter dated XX/XX/2020 informing me that my XX/XX/XXXX payment was delinquent. This letter and its dates are absurd. This letter did however prompt me to investigate my payments which is when I noticed that a partial payment I made in XXXX was misapplied as principal only and not towards my monthly payment.
My monthly payments are {$1900.00}. Starting in XX/XX/2020, I started making biweekly payments for {$1000.00}. The two XXXX payments were for XXXX, the two XXXX payments were for XXXX, etc For some reason the payment received on XX/XX/XXXX ( for XXXX payment ) was applied to principal only which initiated all the following payments to be off by half a month. No late payments were reported on my monthly statements so I considered everything to be fine since every month I was sending in a little more than what I owed.
I chose the biweekly as that is how I get paid and I enjoyed sending payments that coincides with my paychecks. I have since stopped that process and will send the exact payment a few days prior to the XX/XX/XXXX of the month. Although this is less convenient for me, I think it will alleviate further complications with Zions banking systems.
Starting on XX/XX/XXXX, I called several times in an attempt to have the payment reapplied correctly. I called almost every week and at least 4 times. Almost every time I called I was on hold for roughly and hour. During each call the Zions employee stated that they had either fixed the problem or sent it to the correct department ( where they would reapply the payment correctly ). When I asked to speak with a supervisor I was told they were too busy to talk with me. As discussed below, the supervisors were supposed to call me back and never have.
During the first call, I waited over an hour. After explaining the situation the operator said she would transfer me ; instead she hung up on me. Instead of calling me back she just moved-on. I had to call back in and wait another hour. The next operator explained he fixed the problem and that there was enough money in my suspense account to make XXXX payment. This was false ; there was not enough and the payment was not completed.
During the subsequent call, the operator informed me that she, Could see what he did and that the request was not filled out correctly. She informed me that she had filled it out correctly and sent it to a processing department. She assured me that she did it correctly and that she would call me back if there were any problems. Not only did I wait an hour to discuss this but again I was told inaccurate information. I have continued to verify that the payment has not been corrected.
After another week, I called back in. I again explained the problem and ask that they look into my record for notes on my previous calls. These are the only employees I have identification on as I did not expect this simple problem to progress this far. Any of the names mentioned are my best guess as the operators are not very clearly spoken. Ms. XXXX ID # XXXX took my call and said she would transfer me to the Processing Department. After another long hold an operator from the first department answered. I had to explain the problem again to her. Her name was XXXX XXXX She would not give me her ID number even though I asked for it. I requested to speak with a supervisor and explained that I was about to file a complaint.
After a brief hold, she explained that all the supervisors and Team Lead were too busy to take my call. She said XXXX XXXX ( supervisor ) or XXXX ( Team Lead ) would reply to me within 24 hours.
I explained to her that this bank-caused problem has taken over a month to fix and that I wanted to talk with someone. Again they were too busy ( so I was told ). I explained that 24 hours was unacceptable and someone needed to call me more promptly ; I also did not believe they were telling the truth again. It turns out I was sadly correct. No employee responded to me and the payment is still not corrected.
Zions inability or unwillingness to correct this simple problem is unethical, unprofessional and might consist of a fraud. Because of the long hold times, transfer failures, lying, incompetence, unresponsive and lack of any urgency, they have created an environment which is impenetrable. I have exhausted all my available options to fix their mistake.
|
Consumer Consent Provided |
Consent provided
|
|
3484695
|
2020-01-03
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
Issue |
Struggling to pay your loan
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Vehicle loan or lease
|
Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
Sub Product |
Loan
|
Date Received |
2020-01-03
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-01-03
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
In XX/XX/XXXX I purchased a second vehicle so my husband and I could have our own vehicles. In XX/XX/XXXX we got a divorce and I ended up with both vehicles and could not afford both payments so I did a voluntary repossession. In XX/XX/XXXX the company filed a judgement against me for an amount they say I owed, which is about XXXX more than the vehicle loan was for. I was not in a financial place at the time to pay off this balance. I did not hear from them again until XX/XX/XXXX at which time I made payment arrangements with them. I asked several times for them to provide me with a break down of the amounts owed, what the car was sold for, a balance after my payments were received. They could not provide this information to me. I made timely payments, and then I did not hear from them again and the payment was not taken out of my checking account. At this time the judgement was also removed from my credit report. As a consumer I assumed the company wrote the debt off. Today XX/XX/XXXX my employer called me and said they received a notice from them saying to garnish my paycheck. I again have not heard from them and have not received any mail notification before they contacted my employer.
|
Consumer Consent Provided |
Consent provided
|
|
707049
|
2014-02-10
|
Identity theft / Fraud / Embezzlement
|
Credit card
|
|
Issue |
Identity theft / Fraud / Embezzlement
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Credit card
|
Date Received |
2014-02-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-02-10
|
Consumer Consent Provided |
N/A
|
|
1847251
|
2016-03-23
|
Problems caused by my funds being low
|
Bank account or service
|
|
Issue |
Problems caused by my funds being low
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Bank account or service
|
Sub Product |
Other bank product/service
|
Date Received |
2016-03-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-03-23
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
2594898
|
2017-08-04
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
Issue |
Applying for a mortgage or refinancing an existing mortgage
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Mortgage
|
Sub Product |
Other type of mortgage
|
Date Received |
2017-08-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-08-04
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
550323
|
2013-10-02
|
Using a debit or ATM card
|
Bank account or service
|
|
Issue |
Using a debit or ATM card
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Bank account or service
|
Sub Product |
Checking account
|
Date Received |
2013-10-02
|
Submitted Via |
Postal mail
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-10-02
|
Consumer Consent Provided |
N/A
|
|
6212049
|
2022-11-16
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Debt collection
|
Sub Issue |
Impersonated attorney, law enforcement, or government official
|
Sub Product |
I do not know
|
Date Received |
2022-11-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-11-16
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
2223869
|
2016-11-26
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
I do not know
|
Date Received |
2016-11-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-11-26
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
2395063
|
2017-03-20
|
Account opening, closing, or management
|
Bank account or service
|
|
Issue |
Account opening, closing, or management
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Bank account or service
|
Sub Product |
Checking account
|
Date Received |
2017-03-20
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-03-21
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
N/A
|
|
5179046
|
2022-02-02
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Account status incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2022-02-02
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-02-15
|
Complaint What Happened |
Zions Bank Corporation deliberately and unfairly charged my personal account overdraft fees in a discriminatory and XXXX biased manner.
In XX/XX/2021 Zions bank charged overdraft fees for my account ending in XXXX the amount of USD XXXX and my account ending in XXXX the amount of XXXX.
I disputed and paid these fees in full. The bank statements are attached. Zions stole my money.
In XX/XX/2021, Zions again charged my account XXXX the amount of XXXX for a single transaction of XXXX dollars. Zions then proceeded to harass me with mutliple telephone calls and collection letters and put my name on XXXX XXXX, even though they were informed the charges were false. They also reported me to a collection agency and cost me an XXXX loan of XXXX. The evidence is attached.
Zions bank favored rich white customers over poor blue XXXX workers including XXXXXXXX discriminations, including me.
|
Consumer Consent Provided |
Consent provided
|
|
12097361
|
2025-02-16
|
Managing an account
|
Checking or savings account
|
|
Issue |
Managing an account
|
Timely |
Yes
|
Company |
ZIONS BANCORPORATION
|
Product |
Checking or savings account
|
Sub Issue |
Banking errors
|
Sub Product |
Savings account
|
Date Received |
2025-02-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-02-16
|
|