Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I opened a XXXX XXXX Checking account in branch. During the period of when I opened my account there was a promotion running where there are tiers for the bonus paid out depending on how much was deposited. Additional details of the promotion are as follows To receive the cash bonus, the account must have at least an average ledger/current balance in the third full calendar month after account opening of {$10000.00} and perform XXXX ( XXXX ) of any of the following transaction types by completion of the third full calendar month after the account opening : ACH Credit, Bill Pay , Checks Paid, Debit Card , Remote/Mobile Deposit, and Wires ( Incoming/Outgoing ). There may be a fee associated with these transactions. Bonus of {$250.00} {$2500.00} will be deposited into open checking account within XXXX  days of completion of qualifications and is limited to XXXX ( XXXX ) bonus payment per customer tax-ID number. All tax liabilities, if any, associated with the benefits are the responsibility of the recipient, and the recipient may receive an IRS tax reporting statement that includes the approximate retail value of the benefits. If tax documentation including a valid W-9 or W-8 is not completed, the prize may be forfeited. Offer is not available to existing XXXX XXXX  checking customers, public agencies, XXXX XXXX Committees, fiduciary accounts, or campaign accounts. Existing/Returning customers must have a period of 12 months without an open XXXX XXXX  checking account. Offer subject to change at any time. Please refer to the Deposit Account Agreement, Account Disclosure, and the Business Accounts Schedule of Fees or speak with a banker for more details. The in-branch account opening went fine but the issues started popping up afterwards. I enrolled in online banking later in the day on XXXX to initiate connections to external bank account for funding and everything was working on XXXX when I went to login to online banking I could login but then the account was no longer an account tied to my online banking profile. I tried again on XXXX with the same result so I called customer service, and they said I needed to contact the branch in which I opened and the business banker would have to work on my issue. Called the branch and the business banker was on vacation and there was an interesting game being played of which some employees would say they do not have a branch manager at the branch and some would actually give me the name of the branch manager. On XXXX XXXX of the employees saying there was no branch manager asked if i could call another branch, called a different branch and spoke to the business banker, said they were going to look to the issue and they would call me back later that day. Heard nothing and called again on XXXX and the business banker still said they were fixing it and someone would call me back later that day. Heard nothing so on XX/XX/XXXX called the original branch where the account was opened at and asked for the business banker, spoke to someone that said they would try to help but nothing happened. On XX/XX/XXXX called the branch again asking for the business banker, they refused to take the call. Called and spoke to customer service and they said they would email the branch as they think they know the fix, once again heard nothing. On XX/XX/XXXX got a call explaining that they changed systems and my business checking was opened in the old system but not the new system and that is why my account disappeared. On XX/XX/XXXX finally landed the requisite amount of funds into the account and started the process of making the required debit card purchases in which all debit card purchases where completed on XX/XX/XXXX. It is now XX/XX/XXXX which is XXXX months since account opening with no bonus deposited. I have attached the promo page and the transaction log showing the deposits and debit card purchases. I can provide the branch location in which I opened the accoount

Company response to consumer: Closed with monetary relief