Zions Bank

9-29-2007

I received Connie Linardakis' letter today dated 9-27-2007, wherein she =

states that "With regards to the main issue, we have changed the record =

to show that the account was closed by you and not by Zions Bank.Our =

records now show account # 003462975 being closed by you." If true, =

this is part of what I wanted and I do appreciate some movement on this =

issue. However, I printed off the record from the bank online as of =

9-29-2007 and it still says "Bank Closed Account-Credit" and still shows =

the unauthorized NSF item fee ($23.00) and the unauthorized debit =

transaction ($29.95).

These things ought not to be and need to be corrected. In the letter =

Connie Linardakis states that ".and no attempt will be made to recover =

the [fraudulently] charged off amount". Is everyone here missing the =

point?

What I want from Zions Bank is:

1-An apology for the way I was treated by Sherman Losee, for the =

fraudulent charge off and for the lost deposit.

2-A correction to all of the record to show that there was no charge off =

and this means erasing the authorized NSF item fee and the unauthorized =

debit transaction and the $52.95 credit posted by the bank causing it to =

appear like there was a charge off when there was not. The bank has not =

acknowledged-to date-that there was never supposed to be a charge off, =

but keeps repeating itself in saying that "no attempt will be made to =

collect on the [imaginary] charge off"-this is no concession and gives =

no comfort to me.

Everyone makes mistakes, ignoring them will not make them go away and in =

fact, piques interest into why Zions Bank is having such a difficult =

time acknowledging and correcting its mistakes. Does someone need to =

dig deeper into this bank's ethics and practices? Is this ethics =

problem bigger than the bank's ability to correct it? Why are such =

simple problems like these so vexing to Zions Bank?

I know that the honest and ethical thing to do is for the bank to step =

up and meet fully the above 2 listed items because it is the right and =

honorable thing to do. Please choose honesty.

Respectfully,

Steven Whited 801-392-7291

9-21-2007

I am trying to be more concise in explaining what I believe has happened =

in the handling of my account herein, rather than everyone trying to =

read through longer email:

1-My account has been fraudulently entered on the books of the bank as =

being closed by the bank and closed in the negative, showing as a charge =

off account. This is fraud.

2-Posting, then erasing deposits is unscrupulous.

3-Posting and reversing unauthorized item fees is unethical.

4-Fraudulent reporting to Outsource Receivables and Chek Systems is =

criminal.

5-Losing deposits is incompetence.

6-Refusal to reimburse for the lost deposit is unethical and =

reprehensible.

7-No apology or acceptance of responsibility for lost deposit is =

unethical and just plain nasty.

8-Unethical, indefensible, reprehensible, terroristic tactics used by =

Mr. Losee and covered up by Mr. Anderson, Mr. Hoffman, Christa Windsor, =

Kathy, Dorrie and Craig et al is criminal.

9-Inconsistent and discriminatory application of bank policy against =

families and children's checks going into their parents account is =

unethical and indefensible.

10-Discrimination against a person with a complaint, by attempting to =

limit or terminate their bank access, limit that person to one branch, =

limit access to open hours only et cetera is unethical and indefensible.

11-These tactics of false reporting are injurious, illegal, criminal and =

should be prosecuted. The actions of Mr. Anderson and Mr. Losee amount =

to making a false entry in a book, report or statement of the company =

with the intent to defraud, injure and deceive and should result in =

fines up to 1 million dollars and imprisonment for as long as 30 years. =

The attempts to aid and abet these tactics make all persons with =

knowledge liable to the same degree as the person who commits the crime. The attempts to conceal this felonious behavior is, in itself a felony =

called "Misprision of a felony."

12-What is Zionsbancorporation going to do to address the injury foisted =

upon my family and I?

Sincerely,

Steven Whited

801-392-7291

9-20-2007

I believe that some crimes have been committed and covered up by Scott =

Anderson and Sherman Losee--Here is an email record of what I have =

brought to their attention and I sincerely doubt that they have done a =

thing about any of it. At the end of this email I have included some of =

the wording of Zionsbancorporation, which oversees Scott Anderson and =

his branch of the corporation about banking crimes. I would like this =

whole matter investigated and these crimes to not go unpunished.

Respectfully, Steven Whited 801-392-7291

9-18-2007

Forwarded information to ethics committee at Zionsbancorporation

My account has been closed fraudulently-It still shows as a bank closed =

account-It should be corrected to show that the customer closed the =

account and there was no charge off.

9-15-2007

Mr. Anderson,

I feel that I need to add this last little bit to my email of last =

night-9-14-2007. As a person who has watched their bank account unfold =

daily, I have watched as staff have applied deposits and then reversed =

those deposits, applied the 23.00 reversal of the unauthorized item fee, =

only to reverse that and charge off an invalid debt et cetera. This has =

caused me a great deal of anguish. I want to temper my email remarks of =

last night by adding that Zions staff have reversed or are reversing =

most of the damage caused by Mr. Losee against his direct orders. The =

North Ogden branch processed my affidavit of the unauthorized item =

immediately and faxed it in the same day to the ACH dept. on 9-8-2007. =

Against Mr. Losee's orders, Melinda tried to reverse the 23.00 =

unauthorized item fee. Against Mr. Losee's orders, Dory and Kathy =

reversed or are trying to reverse the Outsource Receivables collection =

reporting and the Chek Systems reporting. Against Mr. Losee's orders =

Cory of the Harrison branch did honor the $12.50 lost deposit. I never =

meant to burn any bridge and the only aim I have had is to try and stand =

up for what I believe is the truth. I apologize if my remarks of =

yesterday were harsh, because they did not include the fact that Zions =

bank staff has tried and I believe are still trying to right the wrongs =

that have occurred in the handling of my closed account. I just hope =

that these things can be reversed so that I can take care of my =

obligations honorably and move on. Respectfully, Steven Whited =

801-392-7291

9-14-2007

Vicky Monday please let Scott Anderson see this email.

Mr. Anderson,

I believe after talking with you on the phone twice now, that you may =

look into the way my family and I have been treated by Sherman Losee. =

Just to try and wrap this up, I believe that Sherman Losee has abused =

the discretion of his office, abused the authority of his position and =

has engaged in dishonesty, communications fraud, bank fraud, fraudulent =

reporting to a collection agency, fraudulent reporting to chex systems =

and has engaged in unethical, indefensible, reprehensible, terroristic =

tactics in his handling of my Zions account and relationship. This is =

not to mention the inequitable and inconsistent application of bank =

policy regarding the deposit of minor children's checks into their =

parent's account and total incompetence in losing my drop box deposit =

that touched off this whole sordid affair. If you, as the President of =

Zions Bank, simply close ranks with the staff members complicit in the =

use of these types of criminal tactics, you become an accomplice to all =

of the above. Personally, I would not side with my staff in this case. =

They all deserve training to avoid any repeat of such behaviors in the =

future. I am hoping that you will truly look into what has happened to =

my family and I and do your level best to make sure that this does not =

happen to anyone else. I wonder how many people do not dare to =

challenge Mr. Losee and his tactics?

Sincerely,

Steven Whited 801-392-7291

8-28-2007

I have tried to contact everyone from the bank president on down and I =

still have not received one word about the missing deposit or an apology =

or a credit by Zions Bank to my account for the lost money. Sherman =

Losee has terrorized me and I never want to hear from him again.

I received a letter from the bank president assuring me that Sherman =

Losee had satisfactorily answered my complaints. What Sherman Losee did =

do is repeat his terroristic threats to me about terminating my account =

by the end of the month. He gave me less than 2 weeks to get out of my =

account or else shut up and eat the lost $12.50. I am not willing to do =

either. Zions Bank needs to step up and take responsibility for the =

lost deposit like an ethical organization would.

Sincerely, Steven Whited (Soon to be former Zions Bank customer)

I do not believe that the bank president has seen or cares about my =

emails or making good on the $12.50 the bank has stolen from my family. =

If I stole $12.50 from the bank, I would be in federal prison for 20 =

years. You folks had better step up and credit my account soon as I do =

not give up that easily.

Sincerely,

Steven Whited

8-16-2007

I feel that I have been treated poorly and have had inconsistent bank =

policies applied to myself and my family and these actions discriminate =

against families. Zions Bank should not be in the business of =

interfering between minor children and their parents account--e.g. Not =

depositing a child's check in their parents account without harassing =

the parent and child.

Please find the lost deposit for $12.50 and while you are looking, =

deposit the $12.50 in my account until you do locate the drop box =

deposit. Now they say that I have to sign the check and my child signs =

it and then they will deposit it. We did that for a while and then were =

called and left messages that Zions would not deposit the check without =

first bringing the child with us to the branch, then were told that the =

child's signature was enough, then that we should just have the writer =

of the check make it out to the parent, then I was told to only use one =

branch of Zions because I am "testing" Zions (This sounds like paranoia =

to me) by using any nearest branch. Then I was told that since banking =

is a relationship and they don't like complaints or complainers, that =

they would terminate my banking privileges. All of these actions and =

threat to terminate us as a Zions customer have really scared my family =

and me. We are used to being treated in a kind and compassionate manner =

over the past 7 years. We feel there is retribution going on now as the =

Harrison Branch lost my deposit and will not post the $12.50 to my =

account. They now say that I have to go back to the check issuer and =

have them reissue a new check and presumably she would have to pay fees =

to cancel the old check that Zions has lost and then have it signed by =

my 7 year old daughter and myself again and then taken again to the =

branch for deposit (all of which leaves me shaky and wondering why they =

would not "lose" the new check as well. I know it is only $12.50, but =

from George Hoffman on down, it appears that Zions bank is not family =

friendly at all. As a family of eight, we have to count every penny.

I am not sure if I mentioned in my previous email that I was also =

concerned with the way the Sherman Losee was trying to place limits on =

my banking privileges by suggesting that I only be allowed to use one =

branch of Zions and that I should stop using the after hours deposit =

boxes as it is better to come in person during his banking hours to make =

a deposit in person. This just is not possible--I work during the day =

and when I get mail on the weekends or whenever and need to make a =

deposit I feel that I should be able to (at any branch). I just feel =

that it is unreasonable to suggest that everyone or anyone not be =

allowed to use after hours depositories for the convenience of Mr. =

Losee. The original lost deposit check was by my sister Leslie Whited =

Vance--Barnes Banking Company check #5323 in the amount of $12.50 made =

out to my 7-year-old daughter Kaytlin Whited. My sister agreed to =

reissue another check #5327 for $12.50. I just am feeling extremely =

threatened by Mr. Losee and his comment about terminating me as a Zions =

Bank customer--"If you are unhappy as a customer then leave" and feel =

that it is unreasonable and even unethical for him to expect me to have =

my sister reissue a check because the bank lost the first one--because =

if the check had been made out by anyone else, they would have had to =

put a stop check for $20.00 to ensure that the lost endorsed check for =

$12.50 is not passed and then reissue another check to me for $12.50?? =

This just does not make any sense to me at all. Please help.

Respectfully, Steven Whited

Your suggested resolution:

I feel that there should be customer service training for bank staff to =

address these issues.

Zions Bank responded on August 17, 2007 at 9:28 AM as follows:

Steven,

Thank you for the additional information. I have asked my assistant, =

Vicki Mumby, to review your concerns and get back with you as soon as =

possible.

Thank you,

Scott

You replied on August 17, 2007 at 10:50 PM as follows:

Thank you for taking the time to respond to my emails. Steven Whited

Banking Crimes

The Company is a financial services holding company and its subsidiary =

banks are chartered or insured by federal and state bank authorities. =

Accordingly, the Company and its' employees are subject to regulation by =

federal and state banking laws. Most of the federal crimes associated =

with the banking industry are contained in Title 18 of the United States =

Code. They have been made crimes by federal statute because of the =

necessity for maintaining public confidence in the nation's banks. The =

decision to prosecute for violations of federal law is determined by the =

United States District Attorney, not the Company. The various states in =

which the Company operates have similar laws. The Company does not have =

the option of ignoring infractions and may be obligated to report =

violations to insurers and appropriate law enforcement and regulatory =

agencies.

Among other things, Title 18 covers:

a.. Embezzlement

Embezzlement and misappropriation of the Company's funds or assets can =

result in fines up to $1,000,000 and imprisonment for as long as 30 =

years.

b.. False Entry

Making a false entry in any book, report or statement of the Company =

with the intent to defraud, injure or deceive can result in fines up to =

$1,000,000 and imprisonment for as long as 30 years.

c.. Aiding and Abetting

Anyone who aids, abets or induces the commission of a federal crime is =

liable to the same degree as the person who commits the crime.

d.. Concealing Crimes

Concealing or failing to report a felony is itself a felony called =

"misprision of a felony".