Consumer complaint received 2026-05-19 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: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I. XXXX XXXX XXXX XXXX was added as a joint account holder on Account # XXXX approximately three days before the levy was executed. His addition was for a single, limited purpose : a joint vehicle financing application. He made no deposits to this account. His net financial contribution to Account # XXXX was XXXX. The account statement for the period XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows the following deposits, all originating with and traceable to XXXX XXXX XXXX : Unemployment Insurance Payments XXXX XXXX ( XXXX XXXX, XXXX ) : XX/XX/scrub>XXXX XXXX XXXX : {$310.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX : {$310.00} XXXX XXXX XXXX XXXX {$310.00} Total XXXX Deposits : {$1200.00} Federal Tax Refunds IRS TREAS XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX : {$1700.00} Total IRS Deposits : {$5900.00} On XXXX XXXX XXXX a Wisconsin Department of Revenue levy in the amount of {$3800.00} was processed against this account, reducing the balance to {$0.00}. That levy was issued to collect a debt owed by XXXX XXXX, not XXXX XXXX XXXX. II. LEGAL BASIS FOR RETURN OF FUNDS A. Unemployment Compensation Benefits Can not Be Taken for Another Person 's Liability Wisconsin Statute 108.13 ( 2 ) provides : " Except as provided in subs. ( 4 ) and ( 5 ), no claim for benefits awarded, adjudged or paid or any interest in the fund may be taken on account of any liability incurred by the party entitled thereto. '' XXXX XXXX XXXX is the party entitled to the unemployment insurance benefits deposited into Account # XXXX. The Wisconsin Department of Revenue levy was executed to collect a liability incurred by XXXX XXXX not XXXX XXXX XXXX. The statute is unambiguous : no claim may be taken against her benefits on account of another person 's liability. The statutory exceptions in subsections ( 4 ) and ( 5 ) are narrow and exhaustive. Subsection ( 4 ) addresses child support withholding by the Department of Workforce Development. Subsection ( 5 ) addresses deductions permitted by federal law. The WI DOR levy for a third party 's state tax debt falls within neither exception. No exception applies here. The four unemployment insurance payments totaling {$1200.00} each clearly labeled " XXXX XXXX XXXX '' in the account ledger must be returned in full. B. Every Deposit in the Account Is Traceable to XXXX XXXX XXXX XXXX XXXX Contributed Nothing XXXX XXXX was added to Account # XXXX approximately three days before the levy was executed. During the entire statement period covered by the account record XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX made no deposits of any kind to this account. His net financial contribution was XXXX. Every deposit in the account during that period originated with and is traceable to XXXX XXXX XXXX : unemployment insurance payments bearing her claimant identifier ( XXXX XXXX XXXX ), and federal tax refunds bearing her name and Social Security number ( IRS TREAS XXXX XXXX XXXX, XXXX XXXX ). There is no deposit in this account that can be attributed to XXXX XXXX. The Wisconsin Department of Revenue levy was issued to collect a debt owed by XXXX XXXX. Associated Bank processed that levy against an account whose entire balance belonged to XXXX XXXX XXXX. A levy issued against one person can not lawfully reach funds that are demonstrably the property of another. There is no evidentiary basis in the account record or anywhere else for treating these funds as belonging to the judgment debtor. III. DEMAND I demand that Associated Bank, XXXX. take the following actions within ten ( 10 ) days of receipt of this letter : 1. Return the full amount of {$3800.00} levied from Account # XXXX on XXXX XXXX XXXX representing funds exclusively belonging to XXXX XXXX XXXX and exempt from levy in whole or in part under Wisconsin law. 2. Provide complete documentation of the levy instrument received, including the issuing authority, the named debtor, and the date of receipt by Associated Bank. 3. Provide documentation of any notice sent to XXXX XXXX XXXX regarding the levy prior to its execution, and any exemption claim procedure made available to her. Failure to respond within ten ( 10 ) days will be treated as a refusal. This communication has been transmitted simultaneously to the Office of the Comptroller of the Currency, the Wisconsin Department of Financial Institutions, and filed with the Consumer Financial Protection Bureau. Further legal action to recover the exempt funds and applicable damages will follow without additional notice.

Company response to consumer: Closed with explanation