Consumer complaint received 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I am filing this complaint because Zions Bank has handled my fraud case with negligence, dishonesty, and a complete disregard for required federal procedures. Their responses have been repetitive, evasive, and clearly designed to protect the bank instead of assisting a victim who lost {$10000.00}. 

From the beginning, Zions Bank has never provided the federally required reimbursement or error-resolution process, even after I repeatedly requested it. They also failed to provide any documentation or evidence that they submitted the mandatory fraud reports to FinCEN, IC3, or law enforcement. To this day, I remain the only party who reported this crime to law enforcement the bank did not.

Zions Bank deliberately misrepresented material facts, including falsely stating that I knew the recipient of the wire. This is an outright
lie. I was in the Zions branch with a bank manager attempting to verify the recipient because I did not know them. Their claim directly contradicts documented events and appears intended to shift responsibility away from the bank. 

Their executives, including XXXX XXXX, continue issuing canned, condescending responses that ignore every legitimate question Ive asked such as timelines, recall attempts, documentation, fraud-report filings, and reporting requirements. Instead of addressing these issues, Zions repeats the same dismissive statements and declares the matter closed, despite failing to follow even basic fraud-handling obligations. 

The bank also withheld critical updates. They waited days before even attempting a recall, failed to notify me of actions taken, and provided no transparency about communication with the receiving bank. Their behavior shows a clear pattern of avoiding responsibility rather than helping a customer who was the victim of fraud. 

No bank should be allowed to operate this way. Zions Bank treated me the victim as if I were the problem. They lost nothing in this incident, yet they have shown no urgency, no accountability, and no willingness to follow required procedures. Their conduct is unprofessional, unacceptable, and deeply concerning for consumer protection. 

Let me be clear : This matter is NOT closed.

I am appealing this further and fully prepared to pursue legal action if necessary. I am also engaging congressional oversight because this situation raises broader concerns about how Zions handles fraud cases and interacts with regulators. 

I am requesting that the CFPB conduct an actual review of Zions Banks actions, rather than relying on the repeated, self-serving statements they continue to issue. Their handling of this case reflects systemic negligence, dismissal of regulatory obligations, and an alarming lack of transparency. Consumers deserve better, and this case warrants meaningful examination.

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