This bank declined my credit card payment because they "have spending limits on my account". I have money in the account via direct deposit from my employer for past 7 years now and I am very prudent and careful when it comes to funds movements. Regardless all of this that retarded bank declined the transaction without even telling me! The company I ordered from told me about it.
After numerous phone calls to the bunk customer service, answering stupid security questions (â?¦â??what is your favorite pet? What were you thinking when you married your wife?-who the f**k remembers that, they always ask the wrong question!) and waiting 25 minutes for supervisorâ??s decision to temporary lift the spending limit, my transaction was finally approved.
Their security protocol so outdated, it reminds me hide and seek games in insanity ward. Because of there shenanigans, my order was broken into three different parts (obviously they are not going to ship anything to you if your payment has been declined).
Here I am, 3 weeks from original order date, sitting and waiting for the part for my vehicle. It took unanswered e-mails, many phone calls and placement of the second order to get this thing finally moving. It's crazy. All of this pain because of this IDIOTS! I cannot even start to tell you the inconvenience this has caused. My work schedule has to be rearranged few times just to accommodate new delivery.
Ask your self a simple question; is it worth it to go through so many difficulties just because you wanted to use YOUR MONEY? None of my previous banking experiences compares to this crap. This is the worst bank in the world.
We started multiple accounts with Umpqua as they are local, portrayed themselves as different + had great offerings. At first, four years ago, they lived up to their motto as "Greatest Bank in the World". This was as all the big banks were in trouble both financially + with customers.
As what I can only guess as larger veteran players swept into the Umpqua system + greed replaced any sense of community + service the whole product range + experience has gone into the toilet.
Every aspect of what I've encountered lately from multiple same business errors to online banking to customer service both in branch + online has been pitiful + lacking. It's only compounded to read about the shiny new store in SF + the millions spent on buying out a CA bank only to lose all the perks that brought us into the Umpqua fold in the first place.
We're are currently looking to take all of our accounts + business elsewhere + I can only recommend you do the same.
Umpqua Bank 625 E Gibbs Ave, Cottage Grove, OR 97424
This has got to be the worst bank in the world, for website and customer service.
Bank declined our credit card payment because they "didn't like the looks" of the company I was buying from. We have ordered from this company many times without a problem. It is for medication. The money was in the account, but this Bank declined the transaction without even contacting us! (I heard about the decline from the company we were ordering from.)
Took us 2 days to get a 1 minute answer from the bank (and still waiting for this transaction to be fixed!). Unanswered emails, long waits on the phone line with obnoxious music & ads designed to drive you away from Customer Service Help as quickly as possible.
Website has been very bad from the start; Multiple re-works without any improvement in functionality. A high-school kid writes could write software programs better than this: Out-dated from the outset. Help Page has no active links. Random extended down-times for maintenance. Slow updates to transactions. Transactions that come and go, and then come back again. It's crazy. I recommend a different bank. Any bank has got to be better than this.
Umpqua's claim to be the 'World's greatest Bank" is nothing but a meaningless commercial slogan ; but if repeated enough times will create the desired effect in the minds of a few .
I found this bank to be less than helpful; in fact they seem to go out of the way to avoid having to answer any questions or concerns one may have.
The Phoenix ,Or. store is known to be unusually lacking in professionally staffed personnel ;and at least in the past had a reputation for being something of a zoo . But who can understand why and who they hire to represent the Bank.
On more than two occasions I was treated rudely by the tellers and by the store manager at the Phoenix store . What had been represented to me in terms of fees and services were not forthcoming ,which is bad enough ;but on some occasions, they found reason to engage in arguing ,and not only with me, but I witnessed with others as well.
it seems what they lack in banking skills, they make up with polemics.
When I called the district manager about this and other experiences ,I was treated with some courtesy, but it was really nothing but managing hurt feelings ,or damage control.
The District manager agreed that the fees should not have been charged and apologized ,but never offered anything to compensate for my lost time or for the emotional distress ,they put me through!
Had the worst experience with the compliance officer [Redacted]. Extremely rude and spoke down to me as if she was better than me. Not friendly and because of the experience I had with her, would not recommend this bank.
Our business has been with Umpqua for many years and up until recently it has been a mutually beneficial experience. I am now shopping for a new bank for my business and personal accounts. You have become like all the other larger banks with your ridiculous fees (a currency deposit fee? A fee for depositing currency!), limits (we now have to juggle account balances in order to avoid the new fees you have imposed to have our $) and overall disregard for the relationship we had developed. Now, you get hacked into requiring us to get a new ATM/bankcard. I can not tell you the inconvenience this has caused! Our card is linked with all of our vendors and changing each and every one of these is an enormous task. My staff is having to weather your storm while I, the business owner, am paying for it. This is not definitely not the worlds friendliest bank lately.
They claim to be "The Worlds Greatest Bank" but they fee you to death. Just like every other big bank. I chose them because in the beginning they offered good service and it was free - but they changed my account type without telling me, then started charging me $10 a month to use My money!
I would never recommend them - go to a credit union instead, they are so much better
Umpqua touts themselves as "The World's Greatest Bank" Beware! The charge ridiculous fees and change your account on you with no notice.
Due to a move and switch accounts over to another bank, I had a debitor charge to my Umpqua Bank account, when they shouldn't have as they were given an updated account to charge to, and my Umpqua account went into overdraft. Though, I never signed up for overdraft, specifically requesting it to be removed when I signed up. Oh yeah, when I signed up, it was a free monthly account, which they started charging $6 a month for recently without even sending me a letter.
So when the overdraft occurred, they charged a $35 fee. Ok, fair enough, I'll pay it and the amount when I get my next paycheck in two weeks because I'm broke until then. Nope not good enough, they charged $7 per day additional overdraft fees on top of the original $35 fee. So in under two weeks that original amount owed just doubled itself!
Can you say highway robbery? I'm seeking an attorney. They have to be others that are being robbed by this bank.
Stay away from Umpqua Bank the "World's Most Greediest Bank".
1. It took more than two weeks to verify my identity to get a debit card after opening my account.
2. When my (now former) business partner and minority member in the LLC attempted to make himself sole owner on the account and I said "no way" to the banker, they immediately put a freeze on the account.
3. I squeezed out my former business partner in a merger and Umpqua still hasn't recognized it - their legal department is reviewing the records. The Department of Revenue and other debtors are waiting for payment, but Umpqua is dragging their collective feet.
4. The banker we were using is a personal friend of the (now former) business partner.
The moment this is cleared up, I'm going to BECU.
Ok, so let me get his straight, most people on review sites generally seem to rate Umpqua Bank positively. My major misgiving to this consensus starts and ends with deception and misrepresentation. Allow me to explain. Firstly, so many customers seem to remark upon how the freebies, such as coffee and chocolate are great. What people don't seem to realize is that they are paying for that. It's not free, far from it. The complex fee structure and charging policy Umpqua have recently developed and enhanced has served to alienate some of their more discerning and smart customers. Customers who now sense a shift in Umpqua's outlook and attitude. But others seem to have 'drunk the kool aid'. Secondly, by drinking said 'kool aid' and endorsing the Umpqua self-proclaimed image as a local, caring, sharing bank with community outreach supposedly as it's focus they are allowing Umpqua to duck under the radar and avoid real attention. This is a really impressive smoke screen; whereby the community hours worked program for Umpqua employees is again funded by account holders and local businesses hoping for some extra perk or a snap of publicity. Thirdly and most importantly in my view; most key financial products and services offered by Umpqua often aren't Umpqua products, they are resold via Umpqua from people like B of A and Citi Group. Yes, the bad boys of the banking industry. Most of whom don't give a damn about Oregon or keeping money within the locale. Financial products and services include; Mortgages (B of A) Wire Transfers (Citi) Share dealing and Stock trading investments (Both and more besides) So, in light of this people should think twice before considering Umpqua as 'better' in any measure than the banks we all have come to know and hate/love. The only discernible difference I can see is that Umpqua actually go to great lengths to conceal the back office stuff, whereas the big banks don't and thus you actually know what you're dealing with. Please avoid Umpqua.
Umpqua puts more energy into looking like a friendly neighborhood bank then they do actually learning how to behave like a friendly neighborhood bank. Don't be fooled--this bank will give you the same level of hassle that other large banks will. Go to a credit union!
Umpqua bank is exactly what they try and appear not to be. This is one of the most conservative, stringent banks around. As a small business owner i was appalled at the "customer service" and total misinformation we were given. If trendy bs marketing and gimmicks were all that mattered i still wouldn't bank here. And guess what umpqua- every other bank has coffee too- your not special.
I don't currently have a job, so I didn't have much money in my bank. I normally kept the amount in there pretty low as they never charged for no reason. Then all of a sudden one day they sent out a "service charge" and my account went into overdraft, before I know it I owe $50, I deposit $80 into the ATM and it apparently didn't even get into my account. Now they've stolen $130 from me and It's raising every single day, and the customer support doesn't do anything about it.
On Friday the tenth of may I receive a letter from Umpqua Bank.
Stating that my account is in the negatives over $153 dollars to be exact first thing I did was call them about this, they told me that Netflix has changed my account and i had insufficient funds in my account so they covered the 6$ that i din't have and charged me $35 + the $6 then for 2 weeks they charged me $7 everyday until i got the letter stating that I owe them $153 i asked why i was not notified sooner, she said "we did we called we sent out a letter" yea after 2 weeks so you can charge me for 2 weeks? she then says no we sent one out the day of the over draft. they lied because if i have gotten the letter that same day or the next i would not be paying $153 of late fees! worst bank ever my father had the same problem my brothers and sister in-law and they say the same thing over and over. they are rip off artists and don't trust them. they put on a good face till something is wrong with your account.
I went into this new noe valley branch (was a circle bank branch before) on christmas eve around 1pm to personally deposit a large check and some cash. Branch personnel assured me that $200 of my check and all of my cash would be available for withdrawl immediately. On christmas morning, i went to send my giftly gift certificates to my remote family and loved ones and... No money. No money, not even the cash, had been posted!!! I am new to this bank, and though staff is friendly, staff is not competent nor well-informed. Umpqua bank has ruined christmas 2012. The bank is in violation of its own stated policies regarding money handling (listed on their website and on the deposit receipts i was given yesterday). If a bank cannot handle my money in a consistent and trustworthy manner, what good are they as a bank?! In fact, what the hell are they even doing in the banking business?!! **************
update: the day after christmas, my account manager contacted me directly and apologized. Apparently the circle bank employees had not yet been fully trained on umpqua bank processes and one of them had not written my deposit amount in a way that the computers could read the scans, so in fact the deposit needed to be manually entered later on, which wasn't discovered until the day after christmas. While it is clear that they need to be more on-the-ball with this merger, it is also clear that it was not intentional, and that it is in the merger process that performance results are going to be a little uneven until they complete the transition.
When you add money the day your account is going to be overwithdrawn and they charge you $35 for each charge that went through is unbelievable! I hate Umpqua! Their customer service is a bunch of cocky people who are all told to just say no! No matter your circumstance. I am switiching immediately! They make easy money and screw over their customers! I'm done!!!
I opened an account with them in my hometown and they assured me I would be able to use my checking acct and debit card abroad (I was on my way to work in China for a year).
I have not ONCE made a successful purchase using my account or card with them. Every time I try to make a purchase it is denied and sent to their fraud accounts. Then they call my parents' house, but since my mother's name is not on my account, they won't listen when she tells them I am, in fact, in China. I have called and emailed them no less than EIGHT times to tell them that I am in China. And still we have to go through this each time.
Further, I was told that they would be able to "Make a payment" from my checking account to my Bank of China account (part of the reason I decided to bank with them). This is not true, as it states in their Online Bill Pay section.
On top of it, they charge maintenance fees for the checking account.
And, my debit card cannot be used in Chinese ATMs though people who have visited me have been able to use their credit union-issued debit cards in the ATMs. Umpqua said I would need a 6 digit PIN for my card (this is what is used in China), but said I would have to change my PIN in person at a local branch.
I cannot wait to get to the states and take my money out of this worthless establishment.
Umpqua Bank is a great bank as long as you don't have any problems with your account. This is where there customer service falls apart. I had several unauthorized charges on my bank account, which they helped reverse NSF charges with these, but because this left my account in a negative balance, I removed my auto-deposit until the problem was cleared up. I tried to stop an automatic payment to one of my creditors but they applied it to this bank anyway. As soon as I saw that that had happened, I made a deposit in the ATM the same day, but customer service as well as bank branches declared it didn't matter because the deposit was made after 3 PM. I showed that I had made every attempt possible to rectify the situation but they really don't care. They then started charging my account $7/day for every day it was overdrawn. Fortunately I was able to make arrangements with other creditors so I could get the money to close my account. If Umpqua would've had their way, they would've charged me $7/day for two weeks, for a total of $98.
I have never had a problem with this bank, and they offer other services for free such as notary, fax, and wifi. I have moved all of my personal investments to Umpqua Bank Investments. I had BOA but they got too big and lost focus on customer service.
My partner and I opened a join checking account, savings account, and credit card with Umpqua. One week later we closed all 3 and stopped discussions regarding our brokerage account and returned to Wells Fargo. I've never had such bad service, inaccurate information, and lack of interest in understanding clients' needs as I experienced at Umpqua bank.
Even after going up 2 levels of management I was still unable to get satisfaction. My credit is excellent (750+ credit score). My bank balance and brokerage account would be in 6 figures. They were not interested in understanding or keeping my business.
If you want a coffee shop and free computers...go to Umpqua. If you want a BANK...go elsewhere.
The bank has an excellent checking account system for retired people. All of my income pensions and social security are deposited automatically into my checking account. Having moved from another larger banking institution because of banking fees and high charges for overdraft protection and no internet access. Umpqua bank in Arcata, California provides free checking with a debit card and does not require a savings account with a steady and increasing balance.
The debit card can be used as a Visa charge card limited to the balance of your checking account. You can even use the card to make online purchases. There are no fees and the free box of checks I received will last a long time as I use the online payment abilities to pay bills.
I would rather receive a friendly smile and a hot cup of coffee when banking than a suspicious gaze from the employees of a cold marble encased usurious enterprise.
Never forced to call some one else, the Umpqua Store is a one stop shop. I never have to leave or wait for an issue to be resolved.
I like Umpqua Bank for the friendliness it offers. Every time I have dealt with one of theirs reps, I have been completely satisfied. I have never been charged fees for things i didn't specifically request. No surprises, no hassles.
On the other hand I can see that they need to work on two things:
1. Getting an iPhone app that delivers account balances and activity.
2. Stabilizing the spreadsheet format of their account activities log. It has fluctuated a number of times.
I noticed when looking at my checking history online that I was being charged multiple NSF fees and my account still showed a positive balance. I also noticed that there were reversal charges, so apparently they knew there was a problem. I called the bank immediately and apparently there was a double charge made to my account, one amount that I had authorized and one that I did not, for two different amounts, even though the charge did not show on my account activity. I called the business that had made the charge and got them to call Umpqua Bank and explain that there was a second charge that I had not authorized and that it was a mistake on their part. I was assured that all of the NSF fees would be reversed by Umpqua, but that their system was in what they called "item repair" and it would only allow them to reverse some of the charges immediately. As we speak, this resulted in a total of 18 NSF fees of which only 17 have been reversed, not even sure why the last one happened at all because my account had been restored to a positive balance with the 17 reversals. I have been on the phone with the same person regarding this issue, but this person has not always been available, and when I tried to talk to someone else about it I was hung up on because apparently he was of the opinion that I was becoming agitated, well I was, because no one seemed to be able to give me a good answer about what was happening with my account or why it had been allowed to accumulate NSF fees once they were aware of the problem. I had been a customer of Rainier Pacific for 15 years before Umpqua took over and never experienced the frustration that I have in the last week with this bank. The customer service leaves something to be desired, I have not yet heard as much as the words, Sir, we apolagize for the inconvenience, if anyone knows anything about customer service they know, that is a good starting point, I will be closing my accounts when this gets resolved.