UMB Bank Credit Card Complaint

UMB Bank Credit card department,

Billing disputes Missouri

I had a - - Visa Credit card ending in -. I authorized an amount of $4.00 on -/-/16 towards S & H of a free sample of a product online to a Company ( I do n't remember the name ) on -/-/2016. A charge of $4.00 was debited to my account charged by - with a contact number - -. 2 ) A charge of $59.00 was debited to my credit card-Transaction date -/-/- posted on -/-/2016 paid to - with a contact number - -. I called the number and my call went to what sounded like a fax machine. I could not get any information about this unauthorized charge. I disputed the charge by submitting a Dispute Form sent by UMB-Visa.


body to get details of this unauthorized charge. Once again I disputed this charge in the same manner as in 2 ) above, giving all the information. And suspecting that my card may have been compromised and to avoid any more unauthorized charges, I also requested that the Card ( - ) be cancelled and a new card be issued. Which I did get. ( ending in - ). 4 ) In response UMB Visa responded stating quote : " During our investigation, you will see a provisional credit on your account for $59.00 - - dated -/-/16 '' These credits of $59.00 - - were posted to my account on -/-/- and -/-/16 by UMB-Visa. 5 ) On - -, 2016 UMB-VISA in a letter informed me that : Quote : " The disputed charge for $59.00 - - from -, - for which your Account was given provisional credit in the amount of $59.00 - - on -/-/2016 has been returned to us by the merchant to be rebilled to your account. The merchant believes that this was a valid charge. Given the position taken by the merchant and the information available to us we have concluded that no error occurred on the Account. As a result, please be advised that the provisional credit for $59.00 - - applied to your account on -/-/16 will be reversed on -/-/16 '' End Quote. Further, it was stated in the letter, Quote : " I you would like to review the documents that we relied upon in making our determination with respect to your claim, please contact us by mail at - - - - - or by telephone at -. I called several times and could NOT get any one on the line to speak to and left several messages as per the recorded message, requesting the documents that they relied on. I did not any response nor any documents requested. 6 ) In order to get a responses I authorized - -, Attorney in - - to pursue the matter. - - sent a letter on - -, 2016, ( once again ) requesting the documents. As of today 's complaint ( - - 2016 ), there has been no response to my Attorney 's request in writing either. 5 ) On -/-/2016 my new Card ( - ) was charged with - transactions Description : Reverse temporary Credit - - in the amounts of $59.00 each ( total $110.00 ). - ) In addition to the abouv, the following - strange unknown transactions appeared on my Visa card : a ) Adjustment-Purchases date -/-/- Posted -/-/2016- Amount : ( - ) $59.00 b ) Adjustment date -/-/16 Posted -/-/2016 Amount : $59.00 I am very concerned about these unauthorized transactions and the lack of proper response for an explanation and documentation to support these transactions. And I am now constrained to file a Complaint.