Umpqua Bank

I would take my money elsewhere. Full disclosure, I never had an account with them, but did have an account with with Sterling Bank, but I closed in early 2014 prior to the merger with Umpqua. I am absolutely certain I closed all accounts as I wanted to maintain the safety deposit box I had with them but the lady who helped me (Christina?) told me that I would not be able to do that without keeping my checking account open which I was not willing to do. Later in the year when they merged with Umpqua I started getting mailings letting me know of the merger and how it would or would not impact my account. Several calls to the branch and Umpqua in Oregon, I was assured that my account had been closed and I would stop receiving notices. I continued to receive email notices of my «online statement» through 2015. I responded several times by email and explained I did not have account with them and please take me off list. I received one email back that they were experiencing higher than average volume of inquires and someone would get back to me in 7 days. Never heard anything back there. I received a paper statement in March 2015 telling me that I had a negative balance of $ 3, due to service charge for paper statement (the first statement I had received a paper statement since prior to closing account year earlier). I went to the bank and explained to them that I did not have an account, and that I had been told several times that it was closed. The ladies were very polite and helpful, made a copy of the statement and told me they would take care of it. In April I received a statement that said my account had been closed, and that I had one incidence of being overdrawn. This was upsetting to me since I was never overdrawn, and did not have an account with them. I would like to have that off my credit record (overdraw) but know the reality is that would probably create more paper than is worth and since my credit is rock solid will not worry about it. I did want people to be warned about the extremely poor record keeping at Umpqua, formally Sterling bank.