Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED COMMUNITY BANK
State: SC

Complaint narrative:
By certified letter dated XX/XX/year>, United Community Bank ( UCBI ) notified me that my business checking account would be closed on XX/XX/year>. The certified letter was not delivered by XXXX until XX/XX/year>, giving me an effective notice period of five calendar days, of which only three are business days. However, before I even received the closure notice, the Bank had already disabled my online banking access. On the morning of XX/XX/year>, I discovered that my online banking access had been revoked entirely, without any prior notice, preventing me from viewing any activity in either my business checking account or my business line of credit. At the time I discovered this restriction, I had not yet received any communication from the Bank regarding account closure or any other action on my accounts. On XX/XX/year>, I contacted the Bank 's customer support by phone and was routed to my local UCBI branch, where I spoke with the XXXX XXXXXXXX, XXXX XXXX. XXXX XXXX stated she would look into the possibility of providing account statements or restoring view-only online banking access, and would follow up with me on the morning of Friday, XX/XX/year>. XXXX XXXX did not follow up as promised on XX/XX/XXXX. On XX/XX/year>, I transmitted a formal written demand for account records to XXXX XXXX XXXX, XXXX, General Counsel & Corporate Secretary, via email and XXXX certified mail. I requested a response by close of business on XXXX XXXXXX/XX/year>. Later that morning, at approximately XXXXXXXX XXXX XXXX XXXX provided, via secure email, XXXX and XXXX statements for my business checking account only. She indicated the closing statement would be provided " when ( it ) posts ''. She did not provide any statements or information regarding my business line of credit, did not address the status of the line of credit, and did not explain why my online banking access was disabled. This partial response came only after the formal demand letter had been sent, and more than three days after her promised follow-up on XX/XX/XXXX. The Bank 's own " Contact Us '' page directs customers to use secure email or chat within online banking to contact the Bank regarding account inquiries. Because my online access has been disabled, two of the Bank 's three customer communication channels are unavailable to me. I have received no notice regarding the status of my business line of credit, and I am unable to determine whether that account remains open, has been closed, or has been modified. My business checking account closes on XX/XX/year>. While I have now received XXXX and XXXX checking account statements, I still have no access to current XXXX activity, no statements of any kind for my business line of credit, and no explanation for the Bank 's actions. I am currently unable to verify that my account balances are accurate, that all payments to my business line of credit have been correctly applied, or that any funds disbursed to me at closure will be in the correct amount.

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