Consumer complaint received 2018-05-28
Company: ZIONS BANCORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
History of Complaint. 
In XXXX I opened a savings account with XXXX XXXX XXXX under a prgram with XXXX XXXX XXXX XXXX business program. The business program required a saving account to be opened and money deposited to it for a period of Ten Months. After ten months the dollar amount not exceeding {$2000.00} was used in connection with funds furnished by the XXXX XXXX XXXX to help open a business. The XXXX XXXX XXXX donated {$2.00} for each dollar saved not exceeding {$2000.00}. While in the program I was unable to start my business. I withdrew from the program and closed the saving account at XXXX XXXX XXXX. To close the savings account and withdraw funds I was required to provide an authorization letter from XXXX XXXX XXXX. In XXXX I obtained the authorization letter and withdrew and closed the savings account. From XXXX to XX/XX/XXXX I received letters from XXXX XXXX XXXX which I disregarded as I believed they were sent in error. In XX/XX/XXXX I opened one envelope and discovered the account was still open and contained {$200.00} and some dollars. 
I contaced XXXX XXXX XXXX to clarify if it was correct. I began depositing money into the account under the assumption that XXXX XXXX XXXX was no longer associated with the account. Between XX/XX/XXXX and XX/XX/XXXX I deposited over {$6000.00} into the savings account. In XX/XX/XXXX I began moving back to XXXX XXXX XXXX. 
As I became more established in XXXX XXXX I transfered and transported more property from XXXX XXXX to XXXX XXXX. On XX/XX/XXXX I visited XXXX XXXX XXXX to close my savings account. I was informed that the account could not be closed due to another party being listed on the account and authorization needed. I informed the bank that no other party was on the account. I remained at the bank for over 1 hour trying to resolve the issue. While waiting I informed the Branch Manager XXXX XXXX and an agent over the phone that I would be filing a complaint with the CFPB. After leaving the bank I was approached, detained, and arrested by XXXX XXXX Metropolitan Police Department for allegedly making Telephonic Threats. While in custody and before being transported to jail the charge of Telephonic threat was dropped as it was discovered that XXXX XXXX XXXX lied to Law enforcement. During my police encounter I had an issue with the police based on being approached and stopped. As a result of the lie and the police encounter I still was arrested and charged with misdemeanors. 

My complaint under CFPB jurisdiction is that XXXX XXXX XXXX violated a federal regulation of record keeping and managing my savings account. The account that was opened in XXXX with XXXX XXXX XXXX Program   should have been closed or disassociated with XXXX XXXX XXXX. As a result of XXXX XXXX XXXX error I now have to fight a criminal case.

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