Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I am writing in response to the denial issued by XXXX XXXX XXXX ( XXXX ) regarding my complaint, CFPB Case # XXXX. 

XXXX claims the reimbursement request was denied due to " negligence, '' citing that the disputed check was left signed and blank in the center console of a company vehicle. I strongly dispute this conclusion and request further investigation based on the following critical points : XXXX. Clarification Regarding the Property and Vehicle Location The vehicle in question was parked at a residential address that is also used as a home-based business, which is clearly permitted under XXXX  law and reflected in my business license records. It is not unusual or inconsistent to reference it as both a residence and place of business. There was no misrepresentation. 
________________________________________ XXXX. XXXXnsufficient Investigation into the Individual Who Cashed the Check The bank acknowledges that the check was cashed by an individual with no relation to myself or my business partner, yet has provided no explanation of how this individual was verified or identified. Instead, XXXX has focused its investigation solely on me, the victim, rather than the person who actually cashed the check. 
I respectfully request : Verification documents of the identity presented by the person who cashed the check. 
A copy of the check and any surveillance or signature match evidence used in making the determination. 
A copy of my official signature card on file, for side-by-side comparison. 

XXXX. Disputed Facts Regarding the Signature The assertion that the check was left signed and blank is completely unfounded. I ask that XXXX clarify where that information was obtained and how it determined that the check was signed in advance. The statement appears speculative and not based on verified fact. 

XXXX. Police Report Clearly Documents the Theft The police report explicitly confirms that my vehicle was broken into and that both cash from the center console and my backpack containing checks were stolen. Nowhere does it state that the checks were located in the console. The stolen checks were in my backpack, which was taken during the break-in. 

XXXX. Character Assassination and Unethical Blame-Shifting Rather than taking meaningful steps to identify and hold accountable the individual who fraudulently cashed the check, XXXX appears to be attempting to shift responsibility onto me and imply wrongdoing on my partan approach that is both ethically questionable and personally offensive. I firmly reject any implication that I or my business partner are involved in this theft. 

XXXX. Request for Continued CFPB Investigation Given the unresolved issues and XXXX  failure to investigate the actual perpetrator, I respectfully request that the CFPB continue its review of this case and require that : XXXX XXXX XXXX provide documentation related to the individual who cashed the check. 
XXXX furnish a copy of the original check, signature card, and all related verification details. 
XXXX explain how a stranger was able to cash a business check without proper verification, especially when they are not listed on the account. 

I am committed to full cooperation and transparency and am simply seeking accountability and restitution for a theft that occurred outside of my control. I appreciate CFPBs continued involvement and look forward to resolution.

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