Consumer complaint received 2023-07-27
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received a text about a job offer from XXXX XXXX XXXX stating he reviewed my resume, and it was posted to the head department and asked if I wanted the job offer for XXXX XXXX. I then replied yes. Afterwards I was asked to download XXXX for the interview. I then did the interview with XXXX XXXX XXXX, and they said I was hired. He then told me he would be sending me a check so I could then send it to vendors to receive my office supplies such as a laptop, printer with faxing capabilities, software, etc. They sent me all the forms to fill out to be employed. I of course filled those out and sent them back via email as requested. He then told me he would be sending the check and I would receive it within the next couple of days to contact him when I do receive it. I did so and the amount was a total of XXXX XXXX XXXX XXXX XXXX dollars check number XXXX made out to me from XXXX XXXX XXXX check address XXXX XXXX XXXX, TX. Bank the check was to be withdrawn from XXXX XXXX  XXXX XXXX XXXX, TX. I took a picture of the check to be deposited into my account. Then he said I needed to deposit the check because I would be doing so more often, and they needed to ensure that I could do so on XX/XX/2023. I did. On Monday XX/XX/2023, from my understanding the check cleared from Nevada State Bank because the fuds were in my account and not pending status. They asked me to send XXXX XXXX dollars to the first vendor named XXXX XXXX XXXX XXXX to receive my first shipment which was software for work email was XXXX. Then a few minutes later he asked me to send XXXX XXXX dollars via XXXX XXXX. Then he contacted me through XXXX that if I could not send it through the XXXX XXXX to send it through XXXX. Minutes later he contacted me again and asked me to send the rest to XXXX and that is when I became uneasy and contacted my bank. I still have the remaining XXXX XXXX XXXX XXXX and XXXX in the XXXX XXXX in which I converted back from XXXX to cash. I am confused with the remaining funds in my account when the bank said it did not clear. I filed for fraudulent with the bank XX/XX/2023, because I felt the check was fraud and asked for them to investigate in which they did not start until XX/XX/2023. XXXX XXXX is still contacting ( harassing ) me for the remainder and my bank will not tell me anything and to not contact anyone on this matter. Also, my bank " Nevada State Bank '' stated that the funds should not have been released in my checking due to the check was not fully cleared per online banking and inside banking source. I am also confused because I am the one who raised concern on this matter. I also kept documentation for all transactions and messaging. Another issue is that they froze my account and that I am the XXXX  of the other person on this account who is a XXXX XXXX  that receives a XXXX check that will be deposited into this account on the XXXX of every month. The bank is going to take it, and this was told to me by the in bank representative XXXX. She is the only person who has and will speak to me and has provided no information. Just said to wait for something in the mail. They have already taken one of my paychecks as his XXXX. How am I to purchase his supplies if they take his check? The bank manager will not speak to me.

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