Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
On XX/XX/year> I went to a branch location to withdrawl {$100.00}. I was informed I did not have access to my business account. I asked why its my account. Another employee came over to assist and said there was a comment that says all transactions need to go through my business partner. They would not tell me why or give me any information. I have called customer service and went to branches multiple times to resolve this with no success or information. Around XXXX XXXX XXXX I tried logging into the online banking for my business account and it was locked out. I reached out to my business partner and he said it was locked out due to fraud. Then I tried logging into my personal online account and it was also locked out. When I called customer service about my personal account they said its locked due to fraud. I asked to be transferred to the fraud department and they would not direct me. I asked what transactions were fraud and they would not tell me. I went to multiple branches and called customer service and they would not give me any information. They kept telling me I had to go to a certain location and talk to the manager. That branch there referring to is almost an hour drive from me. They would not tell me why I had to go to that location. W Around XX/XX/year> I went to another location and was finally able to get a little information from the vice the president. She informed me that the business account is not locked out but only one of the owners is in control of the account now. There were 4 signers and 3 owners on the account. The vice president called the branch I was asked to go to and spoke with someone aware of the situation. She would not give me any information of the transactions with supposed fraud. And all 4 signers agreed to have 3 removed. Im a signer and was not aware of any of this. She said im not on the Secretary of State so im not an owner and have no say of the account. My response was in the state of Nevada you only need 1 owner to be on the business license. I was told by the bank the Secretary of State is different than a business license. I said its the same thing. I brought my contract agreement and dispersment check stubs showing im an owner. While at the same location talking with the vice president I asked about my personal account being locked and she said it is not locked. When I left the branch I called customer service again and asked if my personal account was locked. They said yes it was locked on XX/XX/XXXX along with the business account. My business partner is not returning my texts and im at a brick wall with the bank. Im losing lots of money from all the hours I have been trying to get answers. My bills are behind including mortgage. I couldnt buy groceries the other day to feed my kids. The only possible issue I can think of is there was a check that was cashed twice and I brought it to the banks attention. Also on XX/XX/year>XXXX  I noticed one of my business partners wife was making and signing checks to herself to pay her personal credit cards. I asked the bank if she was a signer and they said no. Then why is she signing and cashing checks. They said theyll look into it.

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