Consumer complaint received 2019-08-06
Company: ZIONS BANCORPORATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
XX/XX/2019 ACCOUNT OPENED ACCOUNT WAS IMMEDIATELY APPROVED AND {$2200.00} Opening deposit made through ACH, Bank Was " ZIONS '', Confirmation Email was received And upon trying to enter to web login Username AND Password failed Prompting a password reset on Telephone wherein the rep stated : You need to visit a branch and verify your identity, XX/XX/2019 a visit was made to the nearest bank branch located at the intersection of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Ut, The banks manager was unavailable but the assistant manager was infact present XXXX XXXX XXXX XXXX XXXX XXXX, XXXX informed me that beyond my reasonable efforts to validate myself Even calling on cards such as correspondents with the city police force top investigators An Former XXXX XXXX Chief, And other practicable means to validate she would need to see my Identification, i Informd her that i Hadn't any identification and that i wasn't able to furnish her request And NEITHER Should i be required to, The assistant manager Assured me that She would need to view my identification to validate my online service Citing the patriots act, i Took a card And left, being familiar with the aforemention i pulled up the WHOLE Document courtesy of fdic.gov,  And called miss XXXX, XXXX XXXX. Manager And cited back to her the document explaining to her that there is no application granting the use of said act to validate accounts of u.s. citizens And Compelling her to read it And Viz. sec 326. a. 2. ) A. verifying the identity of any person seeking to open an account to the extent reasonable and practicable ; PRACTICABLE, The Bank was informed that i Would Not be able to validate myself with an state issued Identification Card, And that in accordance with a resolve i made with XXXX to verify my Account there They would if i could prove my identification were lost And validate my story Validating AUTHORITY Over my account Which mechanism was used ; my correspondence with the XXXX XXXX XXXX police department Investigators office Investigator XXXX, XXXX, REASONABLE B. maintaining records of the information used to verify a person 's identity, including name, address, and other identifying information ; and C. consulting lists of known or suspected XXXX or  XXXX organizations provided to the financial institution by any government agency to determine whether a person seeking to open an account appears on any such list. B- Maintaining Record of my reasonable and practical documentation would give her compliance i Offered My Tax identification paperwork Doing Business As, Department Of Taxation And Finance Record , Verification of Communique Which i maintain in Federal And Military offices As a private developer of Software, Hardwares And Innovation On top level Government sites, i Site The undrip, a " Declaration on the Rights Of Indigenous People '' And The white house executive order Which is NON- EXCLUSSIONABLE from being Authoritative law in the Patriots Act of America, 13107 That signed the Unit-Nations policy into U.s. law speaking on my rightness to self determination Not requiring me to have to carry Graven image identity of Myself. i was rudely rejected disconnecting the call, i Called back to have my message forwarded after  encouraging XXXX to read the documentation And the call was pushed to an automated line then immediately disconnected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation