Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BEACON FINANCIAL CORPORATION
State: MO

Complaint narrative:
Please note this complaint stands on its own and is independent of other complaints. Nothing here has anything to do with : Complaint XXXX, a complaint regarding Beacon Banks misrepresentation of the legal rights of beneficiaries. Complaint XXXX, regarding Beacon Bank 's failure to provide a required accounting over XXXX days of inquiries. This complaint is about a separate and distinct unfair practice of Beacon Bank promising to, and then simply ignoring another important issue over months. XX/XX/year> XXXX XXXX, Beacon Bank 's XXXX XXXX, wrote : I am also confirming that Beacon Bank as Trustee is paying the above invoice for {$2700.00} from XXXX XXXX XXXX for their final services rendered to your mother through XX/XX/year>. And Continued : Additionally, if you have evidence of other charges pertaining to your mothers medical and other needs that were incurred prior to her passing, please submit those to my attention for review, and if qualifying, the Trustee will pay or reimburse the same up to the cumulative {$20000.00} limit for expenditures for your mother in XXXX XX/XX/year> I submitted all qualifying pre-death care expenses with receipts and payment information, including my mothers checking account and routing numbers at XXXX XXXX XX/XX/year> XXXX XXXX acknowledged receipt of all documents. XX/XX/year> After XXXX days of silence, and only as a result of filing a complaint with the XXXX XXXX XXXX XXXX XXXXXXXX, I asked the bank to process the expenses or explain specifically why any item was not eligible. I received no response related to this reimbursement. XX/XX/year> I noted the outstanding expenses again. I have included this letter as an exhibit. XXXX XXXX XXXX XXXX XXXX XXXX was also copied on this letter. Beacon Bank has not replied at all to this letter. It is attached as an Exhibit. XX/XX/year> I notified XXXX XXXX that the bank account I had provided for reimbursement had been closed on XX/XX/year>, and that a new reimbursement method would be required. I have received no response to this message either. Reimbursing my mothers estate is now vastly more complicated, when the bank had months to do so while her account was open. XX/XX/year> ( Today, the date of this complaint ) The bank must address and complete this simple administrative task before the trust is terminated. XXXX XXXX made a written commitment and acknowledged receipt of the documents requested nearly XXXX months ago. After numerous inquiries as outlined above, Beacon Bank has even not addressed the reimbursement as a result of a pending complaint with the XXXX XXXX XXXX XXXX XXXX It has been futile to inquire and complain to compel the bank to meet its promised commitment ; trying my hand here, maybe Beacon Bank will ( XXXX ) offer a valid explanation for not addressing this matter over XXXX months and ( XXXX ) proceed or let me know what is needed. At least this unfair practice is documented to help protect other consumers.

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