Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, Nevada XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : XXXX XXXX Nevada State Bank XXXX XXXX XXXX XXXX XXXX, NV ) for Failure to Provide Required Notice of Deposit Hold and Resulting Financial Harm To Whom It May Concern : I am submitting this complaint against Nevada State Bank, specifically the XXXX XXXX branch in XXXX, Nevada, for repeated failures to comply with federal deposit hold notification requirements under Regulation CC. 

On XX/XX/year>, I made an ATM deposit of {$1400.00}. At the time of deposit, I received no notification that the funds would be placed on hold. I received no phone call, no text, no email, no ATM alert, no voicemail, and no written notice. I have an email confirmation from the ATM proving that the deposit occurred on XX/XX/XXXX. 

Several days later, I received a notice stating the deposit occurred on XX/XX/year>, with a XXXX hold in place, making funds unavailable until XX/XX/year>. This notice is false, misleading, and non-compliant with XXXX CFR XXXX and XXXX, which require timely and accurate notice. 


Multiple Branch Interactions I have now spoken with XXXX different employees at the XXXX XXXX branch regarding this deposit. At no point did anyone ever notify me that the deposit was being held. I was given no emails, no correspondence, no calls, and was falsely told in-person that my phone number was not on file. 

During my visit on XX/XX/XXXX, I spoke with a banker named XXXX XXXX name approximate ). He stated that a fraud alert had been placed and falsely claimed the bank could not contact me due to the fraud alert. Regardless of the fraud alert, the bank was still required to notify me at the time of deposit that funds were being placed on hold, which they failed to do. 

My mother, XXXX XXXX, confirmed that the bank attempted to call her regarding the check, but the voicemail was left for an employee who does not even work at the XXXX XXXX branch. No call, voicemail, or message was ever left for me. Nevada State Bank must provide proof that they attempted to contact me on XX/XX/XXXX, as their statements to the contrary are demonstrably false. 


XXXX Check Context The check was written and signed by my XXXX mother. I filled in the amount, and my name is also on the account from which the check was drawn. Despite the banks concerns about potential fraud, they had an obligation to notify me of the hold which they did not fulfill. 


XXXX XXXX XXXX to Nevada XXXX Banks failures : My rent/mortgage check bounced. 
Another payment bounced, resulting in a XXXX late reported to XXXX XXXX, XXXX affecting my credit. 
I incurred approximately {$200.00} in NSF fees. 
I experienced significant stress, financial disruption, and credit damage. 



Requested CFPB Action I respectfully request that the CFPB : XXXX. Investigate Nevada XXXX Banks failure to provide timely and accurate notice of the deposit hold ; XXXX. Require the bank to reimburse all financial losses and fees incurred ; XXXX. Require the bank to revise its procedures to ensure immediate and accurate notifications of holds ; XXXX. Require Nevada State Bank to provide evidence that any attempt was made to contact me on XX/XX/XXXX ; XXXX Review the banks falsification of the deposit date ( XX/XX/XXXX vs. XX/XX/XXXX ) as a potential additional violation of Regulation CC. 


Attached are supporting documents, including the ATM deposit email confirmation, the delayed hold notice, account statements showing returned payments and fees, and any correspondence. 

Thank you for your attention. I request a full investigation and written response. 


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