Consumer complaint received 2016-11-23
Company: ZIONS BANCORPORATION
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking account at Zions bank in Utah with around {$4000.00} remaining from my mother 's estate. I intend to share the proceeds with my brothers once all is settled. I never check the account because there is never any activity on my part and I signed up for a Fraud/user alert to be emailed if the account is used. The monthly statements are n't mailed or I might have caught this problem sooner. 
Starting in XX/XX/XXXX through XX/XX/XXXX there have been monthly payments to at least XXXX companies. XXXX seems to be a skin care product and the phone number listed on line never even rings, much less answers. I have searched on line for the company names. The skincare product is the only XXXX with a website. XXXX or XXXX is the name. The XXXX product company name is supposedly XXXX and they have a foreign transfer fee associated with the fraudulent charges. The other names are hard to read on my bank statement. One is XXXX. There is also XXXX. And XXXX. The last odd one is XXXX. 
I was able to find the phone number for XXXX and talk to someone very far away who finally admitted to me that they represented many companies, but the one who charged on my account sells XXXX products. That poured salt in my emotional wounds. 
I contacted Zions bank and they started a process for me. She could n't guarantee that they could go back to reimburse me for all the charges but she said she hoped their fraud dept would be able to. I later talked to the assistant bank XXXX who was very nice but said they could only go back 60 days for provisional credit on all of the fraudulent charges. 
When I spoke to the XXXX products company they agreed to give me a credit for 2 monthly XXXX shipments XXXX which they did XXXX. So the bank refused to reimburse me for any more charges. But they will give me a provisional credit of XXXX for XXXX shipment of the skincare products. This really frosted me. I expected the bank to give me 2 months of the provisional credit of the last XXXX months and let the XXXX products company 's credit be for the XXXX months prior to what the bank will issue. 
Also, for each monthly XXXX product purchase I am charged a Foreign Transfer Fee! 
Shame on me for not checking my account and for forgetting that Zions bank had a fraud problem with me a couple years ago. But shame on them for sloppy fraud regulations! 
I asked the assistant bank XXXX how my account was accessed ; she said it 's usually by swiping a card. As it turns out the debit card I have associated with the account was never swiped. Only XXXX check was ever issued ( to a family member ). All the other activity on the account are for fraudulent purchases for skin cream and XXXX products! The bank ca n't tell how the account was accessed. But the assistant XXXX suggested that I call the companies to find out what address the products were shipped to so I could have more information about this because the bank is unable to do that. I would think a bank fraud department would have better resources than to ask the customer to be a detective to solve a fraud issue because their regulations were sloppy. The skincare company has no working phone number so I suspect it might not really be skin care after all!

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