Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

Please see the below email trail for a full explanation _______________________________________________ From : XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In that you have refused to take phone calls or to respond to the below email, we have no choice but to file complaints with the various regulatory and other agencies in an attempt to get a final accounting for XXXX XXXX XXXX Umpqua account which you terminated without notice. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Good morning XXXX XXXX. 

This is in regard to the Umpqua account of XXXX XXXX, Account # XXXX. I have been advised by XXXX XXXX XXXX  that his account was frozen, then terminated by yourself as a result of an investigation into a cashiers check in the amount of {$3900.00} that he deposited. XXXX XXXX XXXX has advised me he was not notified of the freezing and subsequent termination of his account until he contacted Umpqua bank and to date, he has not been provided the results of that investigation or a reason for the termination of his account. At this point, we can only assume that the {$3900.00} check was found to have insufficient funds to cover it. The check was written and sent to XXXX XXXX XXXX  in response to a XXXX XXXX sale in regard to a toolbox owned by XXXX XXXX XXXX. We strongly suspect the check was issued in an attempt to scam XXXX XXXX XXXX  out of his merchandise offered for sale. If our assumptions are incorrect, please feel free to correct them. If this is indeed the case, we have to wonder why XXXX XXXX XXXX  account was frozen then terminated as he was the victim here, not a party to any attempt to defraud Umpqua Bank. I am advised that XXXX XXXX XXXX has been banking with Umpqua for upwards of XXXX  years and have to wonder why he has been treated this way as the termination of this account has had substantial consequences to him. As you may or may not know, we attempted to contact you by telephone yesterday four separate times to discuss this matter. 

So at this point in time, we are requesting the following information : XXXX. The results of the investigation of this check XXXX. The reasoning behind the freezing, then termination of this account XXXX. A complete accounting of the account as my understanding is that a sum of some money was given to XXXX XXXX Counts upon termination of the account, however as both his work salary and his monthly payment from the XXXX XXXX were automatically deposited into his account on a biweekly and monthly basis respectively, we are unsure of the final balance in the account. As he/we no longer have access to this account, we need that final and complete accounting. 

We request you forward this information as soon as possible within the next XXXX business days. Thank you for your prompt attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Good morning, I am sending this to authorize XXXX XXXX to discuss the check for {$3900.00} and the transactions from the time of it's deposit. As well as Umpqua 's termination of my accounts. He may be reached at, XXXX. 
Sent from XXXX XXXX XXXX XXXX