Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION

Complaint narrative:
Summary : XXXX XXXX XXXX of Zions Bank Corporation froze my savings account and confiscated approximately {$2300.00} without explanation Case Details : I am a XXXX citizen residing in XXXX, and I have had a savings account with XXXX XXXX XXXX XXXX XXXX ) of Zions Bank Corporation sincey year XXXX, and everything was perfect until the summer of XXXX. 
Then, my debit card expired, and the new one never arrived. I realized that although my correct home address was on file with the bank, my correspondence address was a XXXX XXXX at the XXXX where I work. After COVID and due to XXXX XXXX cuts, that XXXX XXXX is no longer available to me. 
I requested from the bank that the debit card be sent to my home address. I was informed that to modify my correspondence address, XXXX customer care needed to verify me over the phone. As it turns out the XXXX texting system can not send texts to international phone numbers. The phone numbers on file with XXXX for my account are correct : my mobile number is XXXX and my fixed phone number is XXXX. Both numbers need the country code XXXX for XXXX. 
I spoke with the Branch Manager over the phone, and they told me that I would have to send a notarized letter confirming my identity and updated contact details stamped by a USA-based notary, which I did at a significant cost ( see attached letter ). 
To my surprise, a couple of months later, the Branch informed me that the notarized letter was no longer acceptable, and I would have to visit the Branch in person. 

Unfortunately, none of my recent business trips to the USA were anywhere near Nevada, so visiting the XXXX XXXX Branch was not feasible. I continued to receive monthly statement notices from the bank until XX/XX/XXXX, and my last statement showed around XXXX USD in my account. Now, my XXXX XXXX account is locked out, and XXXX customer care is telling me that my account does not exist. 
During a phone call I placed to the Branch, a polite gentleman informed me that my account was suspended in XX/XX/XXXX due to lack of funds, and that all my funds had been withdrawn in XX/XX/XXXX, but that information was not confirmed in writing, so it is probably considered as hearsay! 

My Debit Card expired in XX/XX/XXXX, so I could not have used it for any transactions after that. I am seeking clarification on how my funds were accessed and requesting the bank assist in properly verifying my identity so I can regain account access. 
I am attaching to this complaint a PDF file with the following information for you, newest on top : XXXX. The online chat I had with XXXX representative ( pages 1-2 ) 2. The notarized letter I sent to the Bank ( pages 3-5 ) 3. A copy of my accounts transactions in year XXXX ( page XXXX ) XXXX. An XXXX letter to my with my Debit Card PIN Number, addressed to my old XXXX XXXX XXXX ( page XXXX ) XXXX. Two 1099 interest forms I received from XXXX XXXX, correctly addressed to my home address in XXXX. XXXX XXXX  is a sister XXXX XXXX XXXX XXXX XXXX XXXX Zions Bank Corporation ) which I also kept savings accounts with until recently. ( pages XXXX ) XXXX. XXXX XXXX XXXX documents proving that I had a savings account with them ( pages 10-1XXXX ) Kind Regards, 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