UMB Bank Bank Account Or Service Complaint

UMB Bank Bank account or service department,

Checking account Problems caused by my funds being low Illinois

on -/-/2016 I ordered a t shirt online from a company called -. I paid $28.00 with -. About an hour after I ordered I tried to cancel the order. I tried to call the phone number shown on the - transaction history. There was a different number on the companys web page and I called that. Neither line worked. I tried to email them with me response. As far as I was concerned this was not a legitimate business. I went to my bank to file a dispute, since the item was paid for on my debit card through -. They told me I had to go through -. So I did, and after 10 days the case was resolved in my favor. I had to wait those 10 days before the money was refunded to me. The refund was processed on -/-/- and credited the full $28.00 to my - account. I then transferred the funds to my checking account. During this time, several checks were returned for Insuffiecent Funds, due to the waiting period I was made to take during the process. I took all the information to my bank and showed them how it was ruled


using my debit card, so in my opinion it is the banks responsibility to refund those NSF s and straighten my account. My checking account has been in an uproar. ever since that time. I did not know this place existed or I would have filed a complaint against the bank sooner. This bank has given me the runaround several other times on similar matters. On -/-/2016 I tried to make an ATM deposit at approx. - to coer what I knew whould be a charge coming through. The ATM was closed. I went back about - and the ATM was still closed. The message on the screen said to go to their other locations. This bank has closed - local locations with in the past year or two. One was just closed a month prior to my experience. The closest AT was in -, IL and I did no t even know where in that town. It was about 15 miles away and I am not that familiar. I took a photo of the ATM screen and then the clock in my car showing what had happened. I deposited the money on the -, but of course it was too late and I had an NSF. I called the bank to explain and get that corrected. I told htem I had the photo. They told me that the ATM being shut down was " out of their control '' and not thier responsibility. It was the responsibility of the company that runs /services the ATM. Then I was told, " If I had a transaction to cover, I would have done everything I could havr to get it done '' telling me it was my fault I did not go to -, IL to that ATM. I do n't know where it is located and anyway it is unreasonable because they recently closed the only branch left near my town of -. So this bank has a history of trying to get out of refunding NSFs. I think they need to be investigated.