Complaints

This profile includes complaints for Union Bank & Trust Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Union Bank & Trust Company has 31 locations, listed below.

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  Union Bank & Trust Company

  3643 S 48th St Lincoln, NE 68506-4341

  
• 

  Union Bank & Trust Company

  1940 O St Lincoln, NE 68510-1035

  
• 

  Union Bank & Trust Company

  1300 N 48th St Lincoln, NE 68504-3169

  
• 

  Union Bank & Trust Company

  4800 Normal Blvd Lincoln, NE 68506-6314

  
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  Union Bank & Trust Company

  6001 Village Dr Lincoln, NE 68516-4733

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Complaint Against ****** and Union Bank & Trust for Wrongful Refund Denial and Chargeback Refusal
  
  I am filing a complaint against ****** and Union Bank & Trust for unfairly denying my refund request and chargeback dispute for a non-functional digital product purchased on December 13, 2024, for $185.
  
  After purchasing the digital download, I discovered that the item did not work and displayed an error message upon attempting to download it. The email containing the download link specifically stated that if there were any issues, I should contact the seller for support. However, after submitting my complaint, I was blocked from their social media accounts, even though their email explicitly listed social media as a contact method.
  
  I provided clear proof (screenshots, error messages, and seller correspondence) to PayPal. ****** initially confirmed I would receive a refund but later reversed their decision without explanation. When ****** failed to resolve the issue, I turned to Union Bank & Trust for a chargeback, but they wrongfully refused my dispute, despite clear evidence that the product was defective.
  
  I request that:
  1. ****** honors its initial decision and issues a full refund of $185.
  2. Union Bank & Trust reopens my chargeback request and refunds me properly.
  
  If not resolved, I will escalate this matter to the CFPB, OCC, and my state’s Attorney General.

  

  Business Response

  Date: 02/21/2025

  The consumer was contacted directly to resolve this matter.

  

  Business Response

  Date: 03/05/2025

  A written response has been provided to the consumer detailing the decision in this matter.

  Customer Answer

  Date: 03/10/2025

  There was no good faith I provided proof that they did not work with me on resolving a factual matter. I will be submitting further and going above BBB.

• Initial Complaint

  Date:11/12/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They charged me overdraft fees and continuing overdraft fees when I clearly had money in my account. I requested several times for them to close the account early to mid August. Well before all the charges starting on 8/23/2024. I wasn't even $300.00 negative at that time and had the money to cover those charges to allow for the close of the account. I also had overdraft protection. I had made an error a few months earlier and then my direct deposit date had changed and I wasn't aware that it changed from the 22nd of every month to the 24th of every month. I reached out to them several times to make it right and close the account but they refused to refund any of the fees that my statement shows I had money in the account. This in return got me further and further in the hole and could not catch back up or catch a break. I have no family and had no one to borrow money from and I only get paid once a month. In august it really started adding up and I had a whole month before I got paid. They refused to work with me or at least refund the fees that they shouldn't have taken from me to begin with. This all started a huge chain reaction and I had no way of making it right to make it stop. Any other bank would have refunded the fees knowing I had a big deposit just the day after. I have more returned fees that I did not attach to this. Some of those fees I wouldn't had been negative had they not taken fees from me when I wasn't negative at all. I'm attaching these statements. $388 in overdraft fees and $1054.00 in returned item fees. I had overdraft protection.

  

  Business Response

  Date: 11/27/2024

  The consumer was contacted directly to resolve this matter.

  

  Business Response

  Date: 12/18/2024

  Union Bank and Trust replied to the consumer multiple times via email and USPS mail delivery, per the consumer’s preferred method of communication. We have also attempted contact via telephone. The concerns raised by the consumer in this complaint have all been addressed. If the consumer has additional questions or concerns, Union Bank and Trust encourages her to reach out directly to the bank with specific information she wishes to review. 

  Customer Answer

  Date: 12/18/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: They did email me with a docusign to close the account and they refunded me only $204.00 for fees that were charged to me after I asked to close the account, then they sent me a check for the $2 that was still in my account. They never reached out stating they would refund me, the money was just put back into my account. They have not refunded me for the $340.00 in fees that they charged me when I had money in my account. I have received no other communication from them. All communication besides the docusign was prior to me submitting my complaint to BBB and they refused to refund me anything at that time and is why I filed the complaint to begin with. They don't think that taking money they shouldn't have created a domino effect which continued to put me further and further in the hole? My statements show that they took fees when I clearly had over a 1,000 in my account and on one occasion I had over $6,000. A couple of those fees were just a day before a big deposit and I've never seen a bank not give that back. They took $1,400 from me and I'm only asking for 340.00 on top of the $204 they already refunded me. ******* reached out to me via phone before I filed this complaint and I returned her call 2 separate times and she was out of the office. I then emailed her and both times I received an email saying she was out of the office. Again, those communication efforts were made prior to me filing this complaint with BBB and the only communication from them after I filed has been a docusign form to close the account and I signed the form but I have not seen a refund for fees that they took when I clearly had money in my account to cover my charges. I have bank statements that prove this. I banked at ***** ***** **** for 20 years and didn't come close to paying $1,400 in fees all those years combined but Union bank charged me $1,400 in fees in just a few short months? I don't understand how they can charge fees when I had money in my account to cover my charges? This has been devastating to say the least. 
  
  
  
  Sincerely,
  
  
  
  ***** *******

• Initial Complaint

  Date:06/21/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was having issues making my auto loan payment. I was late on my payment but I called the usual number I always call for the past 12 months and was unable to reach anyone. I finally found an online portal to make my payment but the company is now threatening to report the late payment to my credit report when it was not my fault they're phone number payment line was not working.

  

  Business Response

  Date: 07/08/2024

  The consumer was contacted directly to resolve this matter.

  Customer Answer

  Date: 07/18/2024

   
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  I got a paper saying I could file a complaint through them and I already did that 

  I have not received any resolution 
  
  
  
  Sincerely,
  
  
  
  **** ******

• Initial Complaint

  Date:10/09/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  in july of 2023, I used Union Bank's bill pay to pay *** ******* ******* I logged into my account to do this and had more than enough money to cover the bill. For reasons nobody can seem to figure out, Fiserv tried to take the funds from an account which had closed. This was not my account. Per *** ******* ******, they received payment on 7/20/2023 and the payment was reversed on 7/26/2023. I did not know about any of this until early August. Once I was aware of the issue, I sent payment to *** ******* ****** and they have been paid in full. Fiserv is insisting I owe them money for their payment. The last time I spoke with them they told me the mistake was theirs and the matter was resolved. I received a letter from Fiserv yesterday telling me the account has been sent to collections. The vendor was paid and the initial transfer from Fiserv was returned. I do not owe them any money. Union Bank chose to use this company and they are indirectly responsible for Fiserv's actions. Union Bank initially told me that I had to speak with Fiserv, which I did. Since then I have been able to speak with Union Bank representatives and only one has been remotely helpful. But he is obviously not at a level to get this taken care of. I received a notice today from a collection agency regarding this and there will now be a permanent mark on my credit record

  

  Business Response

  Date: 01/05/2024

  Please see attached response.