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.
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Their security protocol so outdated, it reminds me hide and seek games in insanity ward.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.