Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
Product : Checking and Savings Account Company : UMB Bank Issue : Trouble accessing money Account frozen or closed Problems caused by bank actions Poor customer service/ failure to communicate Summary : I am submitting this complaint regarding an unjustified and prolonged hold placed on my UMB Bank checking and savings accounts, which has resulted in significant financial hardship and a complete lack of transparency or communication from UMB Bank. I opened a UMB Bank checking and savings account in XXXX to XXXX XXXX to take advantage of a promotional offer for new customers. I fully complied with all account opening and funding requirements, including linking my XXXX XXXX account through UMBs thirdparty verification service ( XXXX ). I successfully funded the account through multiple legitimate transfers from my XXXX XXXX account, including : {$5000.00} at account opening {$10000.00} on XX/XX/year> {$890.00} on XX/XX/year> Additionally, I established my employers direct deposit to this account, which began in XX/XX/year>. On XXXX XXXX XXXX, I attempted to transfer approximately {$25000.00} from my UMB Bank account to my alreadylinked XXXX XXXX account using UMBs internal transfer system. On XX/XX/year>, at approximately XXXX XXXX. CST, my online banking access was suddenly XXXX without any prior notice or explanation. I later identified a call as originating from UMB Bank, but it appeared on my phone as XXXX XXXX and I declined the call. I then proactively contacted UMB Bank XXXX XXXX myself and received no meaningful assistance. Due to the lack of support, I was forced to visit a physical UMB branch located at XXXX XXXX XXXX, XXXX, MO XXXX. At the branch, my identity was fully verified, and I confirmed that the transactions in question were authorized by me. XXXX XXXX contacted UMBs XXXX Department and informed me that the issue would be reviewed and resolved within XXXX hours. Despite this assurance, my account remained restricted. I returned to the branch and began working directly with the XXXX XXXX, XXXX XXXX, who has repeatedly attempted to obtain answers and resolution from UMB on my behalf. On XX/XX/year>, I provided full XXXX XXXX statements clearly documenting the legitimate source of all funds deposited into my UMB accounts. On XX/XX/year>, UMB released only the portion of funds associated with my payroll direct deposits, while continuing to hold the remaining funds without explanation. As of XX/XX/year>, it has been more than XXXX business days since my account was placed on hold. I have received no formal written notice, no explanation of the alleged issue, and no direct communication from UMB Bank regarding the reason for the hold or when it will be resolved. UMB Banks failure to provide notice, transparency, or timely resolution has caused significant financial hardship for me and my family. I have fully cooperated, verified my identity in person, and provided all requested documentation. Despite this, UMB continues to restrict access to my funds without justification. On XX/XX/year>, I formally requested that this matter be escalated to a UMB Bank XXXX XXXX. As of today, I have not received confirmation that this escalation has occurred.

Company response to consumer: Closed with explanation