Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COLUMBIA BANKING SYSTEM, INC.
State: FL

Complaint narrative:
Formal Claim Against UMPQUA Bank for Unauthorized Withdrawal and Failure to Resolve Dispute To Whom It May Concern, I am filing a formal claim against UMPQUA Bank for the unauthorized withdrawal of {$760.00} from my account on XX/XX/XXXX. I have not provided any authorization or shared my bank information with your company, nor do I have any business dealings with UMPQUA. Despite my continuous attempts to resolve this issue, UMPQUA has refused to respond to my inquiries or provide any resolution. 

Unauthorized Charge : On XX/XX/XXXX, a charge of {$760.00} was withdrawn from my account without my consent or authorization. I have no business relationship with UMPQUA Bank, nor have I ever authorized any transactions with your company. 
Attempts to Resolve the Matter : I have attempted to contact both XXXX  XXXX XXXX and UMPQUA Bank multiple times to dispute the charge. I have made over 26 phone calls and sent several emails requesting support and assistance. To date, I have received no response from either UMPQUA Bank or XXXX  XXXX XXXX. 
Failure to Reopen the Claim : Despite following the necessary steps and opening a police report as advised by a XXXX  XXXX XXXX representative on XX/XX/XXXX, UMPQUA Bank has refused to reopen the claim or take any further action to resolve the dispute. This is in direct violation of my rights under the Electronic Fund Transfer Act ( EFTA ) and the Fair Credit Billing Act ( FCBA ).

Refusal to Provide Provisional Credit : As required under EFTA ( 15 U.S.C. 1693 et seq. ), UMPQUA has failed to issue a provisional credit for the disputed amount. Furthermore, the institution has not conducted a timely investigation into the unauthorized transaction, further complicating the resolution of this matter. 
No Response from the XXXX XXXX XXXX ( XXXX  ) : I have filed a complaint with the XXXX XXXX XXXX ( XXXX  ) regarding this issue, but I have received no response, acknowledgment, or resolution to my claim from them either. 
This ongoing negligence by UMPQUA Bank has caused significant financial and emotional distress. UMPQUA has failed to act in compliance with consumer protection laws, leaving me with no option but to escalate this matter to regulatory authorities. 

If UMPQUA Bank does not resolve this issue and issue the refund within 24 hours, I will be forced to pursue further actions, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action to recover the stolen funds. I will also be seeking compensation for the damages caused by this ongoing issue. 

I trust that UMPQUA Bank will take immediate action and resolve this matter in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

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