Umpqua Bank – Legit or Scam?

I came across a critical review of Umpqua Bank on a Scam Reporting website –, titled ‘Customer Service’.

DirtyScam allows anonymous submission of complaints from angry consumers and victims of scams. Since the website is hosted offshore (probably in Russia or India), we take this (negative) review against Umpqua Bank with a pinch of salt.

Here is what the review says –


Umpqua Bank Endorses Private Lending PracticesWARNING: This is a serious alert to anyone that wants to borrow money but does not have credit.Do not borrow money from a private lender even if your banker advises you do so…………this is why:Christy Tenbusch my banker at Umpqua bank in 2010 advised me to borrow money from a private lender to establish a credit rating so she could grant me a conventional loan in one year.After paying on this loan for a year I was told by Umpqua Bank the payments did not count because the private lender did not report my payments to Equifax, I was trapped and have been trapped ever since.I have paid over 30K in interest alone. If I had been informed of the Equifax part and how it worked I would never have borrowed from a private lender.If this comes up in your life find out first if they report your payments to a credit bureau.Ray Davis CEO of Umpqua Bank seen here on YouTube Nov. 3, 2010…  in an interview with Jeanne Bliss gives his express permission for his employees to do dumb stuff like this.I have tried to contact Ray Davis about this but he will not reply to me personally.I have been to a lawyer and have been informed that since the big recession  “banks can now do pretty much like they want to and no longer have a legal, moral, ethical or fiduciary duty to their customers” beware of them.The afore mentioned lawyer advised me not to share this account because Umpqua Bank may sue me for slander but I told the attorney  ” the people need to know this, it could save someone else the pain I am experiencing and the truth is the truth it’s just that simple.”You have my word this account is the truth and ongoing as of Sept


In case you don’t already know (assuming you came to this page by Googling ‘Umpqua Bank scam‘, or ‘Umpqua Bank review‘, Umpqua Bank is listed under the category Business on

Here is the rest of the contact information for the sole purpose of identification –

  • Address: Southwest Columbia Street Portland OR 97258
  • Phone: (503) 227-1262
  • Website:
  • Severity of Scam: Medium [not sure what it means]
  • Reported Loss: 2767 $ [unsubstantiated]
  • Reported by: Anonymous [obviously]

The entity Umpqua Bank was awarded 2.25 / 5 Stars  based on 4 Reviews.

It is difficult to ascertain whether Umpqua Bank is a Scam, or Legit, based on this single review. In the coming weeks/days, I will try to research deeper into Umpqua Bank, analyze and list more critical reviews and identify a pattern (or lack of) to substantiate the claim mentioned above.

Regardless, until then, we give the benefit of doubt to the reviewer and list Umpqua Bank as someone you need to avoid (for now).

If you have any grievances, complaints, or anonymous tips against Umpqua Bank, please contact us immediately. If you have lost money to  Umpqua Bank, together we can work to recover your loss.

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