{"took":124,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2027,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3247042","_score":19.33732,"_source":{"product":"Checking or savings account","complaint_what_happened":"Please reference my prior complaint about my BofA checking/savings accounts : Summary of your complaint Complaint number : XXXX-XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Checking or savings account Issue : Managing an account BofA properly closed my checking account after the prior complaint, but it has inexplicably kept my savings account open and has begun to charge me $ XXXX/month maintenance fees. In XX/XX/2018, when I filed the prior complaint, I had {$15.00} in the savings account. However, due to BofAs improper failure to close my savings account and in the meantime charge me $ 5 monthly fees, the current balance is now - {$10.00}. This is entirely due to BofAs fees. \n\nI was very clear in my last complaint that given BofAs unfair, opaque, and predatory consumer banking policies, I no longer want to be a BofA customer. Why did they close my checking account but not my savings account? This appears to be an attempt to continue to generate fees from me when my savings account should have been closed long ago, and is once again evidence of BofAs pernicious and opaque practices that act to the detriment of the everyday consumer.","date_sent_to_company":"2019-05-19T12:23:37.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"200XX","tags":null,"has_narrative":true,"complaint_id":"3247042","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-05-19T12:04:02.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["Please reference my prior <em>complaint</em> <em>about</em> my BofA <em>checking</em>/<em>savings</em> <em>accounts</em> : Summary of your <em>complaint</em> <em>Complaint</em> number : XXXX-XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : <em>Checking</em> or <em>savings</em> <em>account</em> Issue : Managing an <em>account</em> BofA properly closed my <em>checking</em> <em>account</em> after the prior <em>complaint</em>, but it has inexplicably kept my <em>savings</em> <em>account</em> open and has begun to charge me $ XXXX/month maintenance fees."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"]},"sort":[19.33732,"3247042"]},{"_index":"complaint-public-v1","_id":"10022429","_score":19.295607,"_source":{"product":"Checking or savings account","complaint_what_happened":"My savings account at Huntington Bank had XXXX withdrawals in XX/XX/2024 that wiped out my saving account of over {$11000.00}. I filed a complaint about the savings account and checking account. The checking account money was returned while the savings account has not been returned. It's been over a month since I filed my complaint. Today, I called and found out the investigation had been closed. Huntington investigators claimed that the money was taken by a device used for the past year. I had them re-open the case as fraud. Huntington did not associate the theft of the checking account with my savings account. I never authorized any withdrawals. This is clearly fraud.","date_sent_to_company":"2024-09-04T14:42:19.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"26101","tags":"Servicemember","has_narrative":true,"complaint_id":"10022429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2024-09-04T14:28:39.000Z","state":"WV","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["My <em>savings</em> <em>account</em> at Huntington Bank had XXXX withdrawals in XX/XX/2024 that wiped out my saving <em>account</em> of over {$11000.00}. I filed a <em>complaint</em> <em>about</em> the <em>savings</em> <em>account</em> and <em>checking</em> <em>account</em>. The <em>checking</em> <em>account</em> money was returned while the <em>savings</em> <em>account</em> has not been returned. It's been over a month since I filed my <em>complaint</em>. Today, I called and found out the investigation had been closed. Huntington investigators claimed that the money was taken by a device used for the past year."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"]},"sort":[19.295607,"10022429"]},{"_index":"complaint-public-v1","_id":"2035687","_score":19.197752,"_source":{"product":"Bank account or service","complaint_what_happened":"I have a checking and savings account with Bank Of America, my complaint is that every month they charge fees for every transaction I make when managing my bank account. I should be allowed to transfer money between my checking and savings at anytime I wish. The money typically stays within these accounts but having to worry about getting a fee for transferring my money from my checking account into my savings on a daily basis is outrageous","date_sent_to_company":"2016-07-28T15:46:16.000Z","issue":"Account opening, closing, or management","sub_product":"Other bank product/service","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"2035687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-07-28T15:46:15.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I have a <em>checking</em> and <em>savings</em> <em>account</em> with Bank Of America, my <em>complaint</em> is that every month they charge fees for every transaction I make when managing my bank <em>account</em>. I should be allowed to transfer money between my <em>checking</em> and <em>savings</em> at anytime I wish. The money typically stays within these <em>accounts</em> but having to worry <em>about</em> getting a fee for transferring my money from my <em>checking</em> <em>account</em> into my <em>savings</em> on a daily basis is outrageous"],"product":["Bank <em>account</em> or service"],"issue":["<em>Account</em> opening, closing, or management"]},"sort":[19.197752,"2035687"]},{"_index":"complaint-public-v1","_id":"3890307","_score":18.693914,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have several accounts with the Chase Bank, personal and business, one of those accounts was a Savings Account that will help to cover over payments from the personal checking account and that will help to minimize the overdraft charges on the transactions, the bank stipulate that customer is allowed to 5 free of charge overdraft transactions from savings account to checking accounts, so that was the reason that I opened the savings account. Every month, the bank transfer from my savings account whatever was need it to cover the overdraft expenses from my checking account and if for some reason I use this service more that 5 times a month, the bank charge a fee for each transaction over the first 5 's.  At certain time the bank decide to \" change the savings account to the checking account classification '', that way that specific account can't cover the overdraft fees because is not a savings account anymore. I complaint to the customer representative on the phone a couple of times and they really don't care and didn't do nothing about this matter to me. Because that reason, since XX/XX/20 I have paid over about {$600.00} on overdraft charges because the change of my saving account status to checking account without my authorization. That's costing me money!!!","date_sent_to_company":"2020-10-09T17:14:33.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"94061","tags":null,"has_narrative":true,"complaint_id":"3890307","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-10-09T16:50:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["I <em>complaint</em> to the customer representative on the phone a couple of times and they really don't care and didn't do nothing <em>about</em> this matter to me. Because that reason, since XX/XX/20 I have paid over <em>about</em> {$600.00} on overdraft charges because the change of my saving <em>account</em> status to <em>checking</em> <em>account</em> without my authorization. That's costing me money!!!"],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"]},"sort":[18.693914,"3890307"]},{"_index":"complaint-public-v1","_id":"7534231","_score":18.134665,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2023 I received a text notification that my account was below the limit I had set. I immediately went online to check my account and became aware that there had been an unauthorized withdrawal of {$2000.00} from my checking and {$900.00} from my savings account. I immediately contacted the fraud department of Wells Fargo and they told me they would freeze the account. On XXXX XXXX XXXX  I went to a Wells Fargo agency and filed a written complaint as per instructions of the person I had spoken with the night before. A few days later, the {$900.00} that had been withdrawn from my savings account were redeposited to my new savings account. Since on my visit to the Wells Fargo branch they close my existing account and open both a new checking and a savings account. But about two weeks later, they declined my claim of the {$2000.00} on the checking account.","date_sent_to_company":"2023-09-12T15:10:19.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"37323","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"7534231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-09-12T13:58:40.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On XXXX XXXX XXXX  I went to a Wells Fargo agency and filed a written <em>complaint</em> as per instructions of the person I had spoken with the night before. A few days later, the {$900.00} that had been withdrawn from my <em>savings</em> <em>account</em> were redeposited to my new <em>savings</em> <em>account</em>. Since on my visit to the Wells Fargo branch they close my existing <em>account</em> and open both a new <em>checking</em> and a <em>savings</em> <em>account</em>. But <em>about</em> two weeks later, they declined my claim of the {$2000.00} on the <em>checking</em> <em>account</em>."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[18.134665,"7534231"]},{"_index":"complaint-public-v1","_id":"4015723","_score":17.959566,"_source":{"product":"Checking or savings account","complaint_what_happened":"I had a savings account with Chase Bank & they closed my account due to no activity that I was unaware of. After the date of \" closed account '', I still had access to savings account on my online banking. I was able to transfer money to & from my savings from my checking account starting XX/XX/2020. I had {$5400.00} total in savings account before issues started to occur XX/XX/2020. \nXX/XX/2020 I made a online transfer of {$400.00} from my savings to my checking account & the next day Chase took back that {$400.00} which put my checking account negative. I called customer service & was told to go into the branch. I spoke with the branch manager about the {$400.00} taken back from me & at that time was informed that my savings account had been closed since XX/XX/2020. I showed the branch manager on my online banking that I had a balance of {$5000.00} in my savings aside from the {$400.00} I transferred out that they took back. \nThe branch manager used my phone to transfer the remaining {$5000.00} from my savings to my checking account & said he would work on recovering my {$400.00}. A few days later the bank took the {$5000.00} as well. The branch manager then filed a complaint with the branch complaints escalation group for the missing funds. \nDays later I received a call from a lady in that complaints escalation group stating my savings account had been closed since XX/XX/2020 & that there was a glitch with online banking allowing me to still transfer money to & from savings account. I went through my account statements with her, as I did the branch manager, showing my transfers from my checking to my savings & that money was deducted from my checking & those transfers never bouncing back, the money was successfully transferred into savings. Three chase managers now have told me this is something they've never seen before, yet chase bank hasn't returned my missing {$5400.00} to me & says they don't know what to tell me.","date_sent_to_company":"2020-12-16T22:23:35.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"4015723","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-12-16T21:41:23.000Z","state":"NV","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["XX/XX/2020 I made a online transfer of {$400.00} from my <em>savings</em> to my <em>checking</em> <em>account</em> & the next day Chase took back that {$400.00} which put my <em>checking</em> <em>account</em> negative. I called customer service & was told to go into the branch. I spoke with the branch manager <em>about</em> the {$400.00} taken back from me & at that time was informed that my <em>savings</em> <em>account</em> had been closed since XX/XX/2020."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"]},"sort":[17.959566,"4015723"]},{"_index":"complaint-public-v1","_id":"13952268","_score":17.784578,"_source":{"product":"Checking or savings account","complaint_what_happened":"Wells Fargo bank opened and closed checking and saving accounts without consent. XXXX in XXXX year will show XXXX or XXXX account opened and closed accounts XXXX XXXX officially started banking with XXXX. Notify my employer XX/XX/XXXX .. All paychecks and pension payments should be linked to checking numbers account XXXX. To my knowledge my savings account with XXXX has not been given to my employer. Wells Fargo bank sent a copy of all the statements savings and checking accounts. In XX/XX/XXXX forward mail regarding all checking and savings dates of when they were opened closed. There version of what happened with my accounts which I disputed. Large amounts of money missing constantly but I was distracted with other life issues. I did not realize until XXXX when I looking back and making reports with the XXXX. My Email does not reflect any reason why account are closed and open. No letters telling me about opening and closing these accounts. XX/XX/XXXX attached letter from XXXX showed checking account XXXX closed XXXX XX/XX/XXXX. Savings account XXXX closed XX/XX/XXXX. XXXX Checking Account open XX/XX/XXXX. Savings account XXXX Opened XX/XX/XXXX. Checking XXXX opened XX/XX/XXXX without consent. XXXX closed my savings account without XXXX for checking account XXXX. Also, Wells Fargo return money. I only complained about XXXX credit card, which was XXXX XXXX to XXXX  and the CB. The other cards, if any complaint were made it was for small amounts yet XXXX knew exactly where and when how much was missing and returned some of the funds. XXXX to my knowledge I realized there were some overpayments to credit cards and made reports with the XXXX. XXXX had already returned some credit card overpayments without any complaint to XXXX XXXX  or the XXXX XXXX. I did not realize until XXXX XX/XX/XXXX I received a call from XXXX and they admitted that the returned money was from credit cards overpayments.","date_sent_to_company":"2025-06-07T14:15:48.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"10037","tags":null,"has_narrative":true,"complaint_id":"13952268","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-06-07T13:00:51.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["XX/XX/XXXX attached letter from XXXX showed <em>checking</em> <em>account</em> XXXX closed XXXX XX/XX/XXXX. <em>Savings</em> <em>account</em> XXXX closed XX/XX/XXXX. XXXX <em>Checking</em> <em>Account</em> open XX/XX/XXXX. <em>Savings</em> <em>account</em> XXXX Opened XX/XX/XXXX. <em>Checking</em> XXXX opened XX/XX/XXXX without consent. XXXX closed my <em>savings</em> <em>account</em> without XXXX for <em>checking</em> <em>account</em> XXXX. Also, Wells Fargo return money. I only complained <em>about</em> XXXX credit card, which was XXXX XXXX to XXXX  and the CB."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["<em>Account</em> opened without my consent or knowledge"]},"sort":[17.784578,"13952268"]},{"_index":"complaint-public-v1","_id":"3284177","_score":17.756811,"_source":{"product":"Checking or savings account","complaint_what_happened":"On or about XXXX and XXXX I XXXX XXXX XXXX, have been trying to open a Checking and Savings Account with BankofAmerica for years and they keep refusing me all the time and I found out some one @ BankOfAmerica @ North Carolina did a Identity Theft in my name now some else @ XXXX XXXX did a Identity Theft in my name this year ( XXXX ) and ongoing investigation.My complaint is BankofAmerica still will not give me a Checking Account are a Savings Account","date_sent_to_company":"2019-06-25T16:07:59.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"46254","tags":"Older American","has_narrative":true,"complaint_id":"3284177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-06-23T23:05:51.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["On or <em>about</em> XXXX and XXXX I XXXX XXXX XXXX, have been trying to open a <em>Checking</em> and <em>Savings</em> <em>Account</em> with BankofAmerica for years and they keep refusing me all the time and I found out some one @ BankOfAmerica @ North Carolina did a Identity Theft in my name now some else @ XXXX XXXX did a Identity Theft in my name this year ( XXXX ) and ongoing investigation.My <em>complaint</em> is BankofAmerica still will not give me a <em>Checking</em> <em>Account</em> are a <em>Savings</em> <em>Account</em>"],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"],"sub_issue":["Can't close your <em>account</em>"]},"sort":[17.756811,"3284177"]},{"_index":"complaint-public-v1","_id":"3062344","_score":17.747145,"_source":{"product":"Checking or savings account","complaint_what_happened":"Bank : Citibank Customer Name : XXXX XXXX XXXX XXXX Checking Account Number : XXXX Savings Account Number : XXXX Complaint : Violation of Promotion XXXX Summary : Citibank violated its terms and conditions of Promotion XXXX. Citibank promoted a {$400.00} cash bonus offer for new bank customers who open a checking and savings account with a minimum deposit of {$15000.00} and maintain a minimum balance of {$15000.00} for 60 consecutive calendar days. \n\nI opened the designated accounts and deposited {$15000.00} funds on XX/XX/2018. I met all the requirements for the {$400.00} cash bonus offer. After about 3 months, Citibank had not deposited the {$400.00} cash bonus to my account. On XX/XX/XXXX, I called Citibank to inquire about the cash bonus and was reassured by bank representative that the bonus would be deposited soon. I asked about closing my savings accounts and was told closing my savings account would not jeopardize the cash bonus offer. I proceeded to close my savings account. \n\nAfter waiting longer, I inquired with a Citibank branch about the cash offer. I received a letter date XX/XX/2018 that states I did not qualify for the cash bonus offer because I closed the savings account. \n\nI feel Citibanks action is deceptive. My accounts and deposit met the conditions of the promotion in the published time frame. I followed the guidance of the Citibank representative to close my savings account. \n\nDesired Resolution : Citibank honor its promotion and deposit {$400.00} to my account.","date_sent_to_company":"2018-10-31T23:23:11.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"94577","tags":null,"has_narrative":true,"complaint_id":"3062344","timely":"No","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-10-31T23:12:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["Bank : Citibank Customer Name : XXXX XXXX XXXX XXXX <em>Checking</em> <em>Account</em> Number : XXXX <em>Savings</em> <em>Account</em> Number : XXXX <em>Complaint</em> : Violation of Promotion XXXX Summary : Citibank violated its terms and conditions of Promotion XXXX. Citibank promoted a {$400.00} cash bonus offer for new bank customers who open a <em>checking</em> and <em>savings</em> <em>account</em> with a minimum deposit of {$15000.00} and maintain a minimum balance of {$15000.00} for 60 consecutive calendar days."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[17.747145,"3062344"]},{"_index":"complaint-public-v1","_id":"14296620","_score":17.7316,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a Chase premier plus checking and premier savings account on XXXX. Keep in mind I am a XXXX XXXX veteran that just left service on XXXX. I opened this account so I can withdraw money and deposit money because there are no XXXX XXXX XXXX XXXX physical branches near me. Additionally there was a very nice welcome offer XXXX if I deposit XXXX in the savings account, XXXX if I make a direct deposit into the checking account, and if I do both I get a bonus of XXXX. On XXXX I deposited XXXX into the savings account using my discover savings. I also deposited about XXXX into the savings and added my XXXX  XXXX check into the checking account. On XXXX Chase sent an email and mail stating they restricted my accounts and may need to close my accounts. On XXXX I called Chase customer service and they told me that they couldn't do anything and will close my accounts in the next 10 days and I will receive a Cashiers check. To this day I have not received any Check or anything from Chase, no ETA nothing, they are just telling me to wait. I have called and also have went to physical branches to beg them to call corporate. At the physical branch they told me that they haven't closed the accounts and will close it that day, my check will arrive by XXXX. Today is XXXX while I am typing this complaint and also no check in the mail. Additionally I have received mail from Chase that they closed my savings account on XXXXXXXX","date_sent_to_company":"2025-06-25T03:58:55.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"11219","tags":"Servicemember","has_narrative":true,"complaint_id":"14296620","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-06-25T03:05:52.000Z","state":"NY","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["On XXXX I deposited XXXX into the <em>savings</em> <em>account</em> using my discover <em>savings</em>. I also deposited <em>about</em> XXXX into the <em>savings</em> and added my XXXX  XXXX <em>check</em> into the <em>checking</em> <em>account</em>. On XXXX Chase sent an email and mail stating they restricted my <em>accounts</em> and may need to close my <em>accounts</em>. On XXXX I called Chase customer service and they told me that they couldn't do anything and will close my <em>accounts</em> in the next 10 days and I will receive a Cashiers <em>check</em>."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"],"sub_issue":["Funds not received from closed <em>account</em>"]},"sort":[17.7316,"14296620"]},{"_index":"complaint-public-v1","_id":"18869049","_score":17.711521,"_source":{"product":"Checking or savings account","complaint_what_happened":"Im not sure whether confusion is : so allow me to clarify. I was sent the closing cashier check for {$350.00} however, upon my recollection I had over {$7500.00} left in my savings account. The bank did not issue the cashiers check for my savings account in which you are finding in the sum of over {$5300.00}. I understand what the merchant has expressed to me about the cashier check sent from my checking account, in the amount of : {$350.00}. This amount of {$350.00} dollars did not reflect the amount left in my savings account, in which the bank found the amount of over {$5300.00}. Allow me to further attest to this fact : My problem/complaint is that the merchant never responded to my notarized letter to retrieve ALL of my property from my dormant account I originally. XXXX and I were about to recover {$5300.00} from BMO bank account information, bmo bank never issued the check for my remaining property. Let the records show even though there has not been a transaction since XXXX when I moved to another state, the account was left dormant ; however, I was still allotted the remaining amount sum of {$350.00} that was left in my checking account. My savings account was never sent out to me to begin with. That is what I have been reiterating and that is the situation at hand. The money is there, its viable and the bank has accounted to this record; stonewalling my savings account is against policy and reflects on the BMO banking process to retrieve personal property. \n\n\nAttached is my ONLY letter from BMO BANKING for the cashiers check of {$350.00}","date_sent_to_company":"2026-01-20T20:29:21.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"54914","tags":null,"has_narrative":true,"complaint_id":"18869049","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2026-01-20T20:18:00.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I was sent the closing cashier <em>check</em> for {$350.00} however, upon my recollection I had over {$7500.00} left in my <em>savings</em> <em>account</em>. The bank did not issue the cashiers <em>check</em> for my <em>savings</em> <em>account</em> in which you are finding in the sum of over {$5300.00}. I understand what the merchant has expressed to me <em>about</em> the cashier <em>check</em> sent from my <em>checking</em> <em>account</em>, in the amount of : {$350.00}."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"],"sub_issue":["Funds not received from closed <em>account</em>"]},"sort":[17.711521,"18869049"]},{"_index":"complaint-public-v1","_id":"2117880","_score":17.690266,"_source":{"product":"Bank account or service","complaint_what_happened":"While checking my USAA Federal Savings Bank checking account it was noticed that a person I was married to approximately thirty years ago was designated as an authorized signature on my account. This was done by USAA Federal Savings Bank without my consent and I was not notified by the bank. \nI called USAA Federal Savings bank and asked about this problem. I was told the Bank had a computer glitch and they had taken care of it, BUT some accounts had fallen through the cracks and I was XXXX of them. \nNo apology, no compensation for violating the trust I had placed in that institution. \n\nI am not certain if I filed this complaint at an earlier date, but I have no record of a response from the Consumer Finance Protection Bureau.","date_sent_to_company":"2016-09-18T15:43:29.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"2117880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2016-09-18T15:43:28.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["While <em>checking</em> my USAA Federal <em>Savings</em> Bank <em>checking</em> <em>account</em> it was noticed that a person I was married to approximately thirty years ago was designated as an authorized signature on my <em>account</em>. This was done by USAA Federal <em>Savings</em> Bank without my consent and I was not notified by the bank. \nI called USAA Federal <em>Savings</em> bank and asked <em>about</em> this problem."],"product":["Bank <em>account</em> or service"],"issue":["<em>Account</em> opening, closing, or management"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[17.690266,"2117880"]},{"_index":"complaint-public-v1","_id":"6690585","_score":17.609543,"_source":{"product":"Checking or savings account","complaint_what_happened":"The options did not allow me to properly check off things. Also you sent me an acknowledgement last week but I was not able to verify things. \n\nFortunately, I received a letter from Chase Bank about my original complaint XXXX that was forwarded to Chase. \n\nI replied back to them about the falseness of the letter to both me and you, and want you to know about it, being they probably send false statements to others. \n\nAs you can see in the letter to both of us, highlighted in the forth paragraph is a false statement where they said that only the charge care was closed and then reopened. \n\nThat is a lie. As I told them, and as the branch manager of the bank knows, that the savings accounts and checking accounts were closed.!!! and that I was told that a check for all the funds were to be mailed out to me with 14 days causing me to go to a different bank and open checking and savings accounts there so to make sure I would be able to receive my direct deposits of XXXX. and XXXX.","date_sent_to_company":"2023-04-12T17:04:32.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"86409","tags":"Servicemember","has_narrative":true,"complaint_id":"6690585","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-03-13T20:41:04.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["As I told them, and as the branch manager of the bank knows, that the <em>savings</em> <em>accounts</em> and <em>checking</em> <em>accounts</em> were closed.!!! and that I was told that a <em>check</em> for all the funds were to be mailed out to me with 14 days causing me to go to a different bank and open <em>checking</em> and <em>savings</em> <em>accounts</em> there so to make sure I would be able to receive my direct deposits of XXXX. and XXXX."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Problem accessing <em>account</em>"]},"sort":[17.609543,"6690585"]},{"_index":"complaint-public-v1","_id":"1536221","_score":17.55405,"_source":{"product":"Bank account or service","complaint_what_happened":"This complaint is in regard to Bank of America.. Per previous complaint, Bank of America did resolve the issue of refunding/removing me the overdraft charges totaling {$140.00} on or about XXXX/XXXX/2015. However, as soon as that was done I was assessed fees on not only my checking account but also my savings account. Such as a maintenance fee. I complained to their representative and on or about XXXX XXXX, 2015, I informed her I wanted both account closed. I was n't paying there fees and if they wanted to they could sue me. \nThis next issue is what set me off. She removed the fees, closed the accounts and blocked the accounts so I could no longer have access to them. \nOn both the savings and checking accounts I had my own monies left on them. Approximately $ XXXX {$15.00} which they owe me. HELP","date_sent_to_company":"2015-08-25T16:04:43.000Z","issue":"Problems caused by my funds being low","sub_product":"Checking account","zip_code":"64152","tags":"Older American","has_narrative":true,"complaint_id":"1536221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-08-25T16:04:42.000Z","state":"MO","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This <em>complaint</em> is in regard to Bank of America.. Per previous <em>complaint</em>, Bank of America did resolve the issue of refunding/removing me the overdraft charges totaling {$140.00} on or <em>about</em> XXXX/XXXX/2015. However, as soon as that was done I was assessed fees on not only my <em>checking</em> <em>account</em> but also my <em>savings</em> <em>account</em>. Such as a maintenance fee. I complained to their representative and on or <em>about</em> XXXX XXXX, 2015, I informed her I wanted both <em>account</em> closed."],"product":["Bank <em>account</em> or service"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[17.55405,"1536221"]},{"_index":"complaint-public-v1","_id":"2585047","_score":17.517733,"_source":{"product":"Checking or savings account","complaint_what_happened":"I originally opened this account with   XXXX   XXXX  , as a maintenance free savings account,  XXXX  was bought out by  XXXX  and the savings account continued. Both the saving and checking account remained under the agreement.     Suntrust bought out  XXXX  years ago and then took on my saving contract which is a no maintenance free account with no fee charge. The only stipulation is that I allow the transfer of  XXXX  dollars per month on or about the  XXXX  of each month from my checking to my savings. This contract and policy has been in place since its inception.     Mysteriously Suntrust started removing  XXXX  dollars a month from my savings account earlier this year, claiming a monthly statement fee. I have not requested a monthly statement, nor agreed to a monthly statement fee. SunTrust is creating this with out my request.     I wrote to Suntrust about it and also filed a complaint here with the CFPB, and initially they refunded the   XX/XX/XXXX  month of unrequited statement fees but have since started charging me  XXXX  dollars a month for a service I have not requested. I then sent another email to SunTrust asking them to stop taking money from me, but they continue to fleece my savings account for non requested services.","date_sent_to_company":"2017-07-25T17:07:43.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"2585047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNTRUST BANKS, INC.","date_received":"2017-07-25T16:41:22.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["I originally opened this <em>account</em> with   XXXX   XXXX  , as a maintenance free <em>savings</em> <em>account</em>,  XXXX  was bought out by  XXXX  and the <em>savings</em> <em>account</em> continued. Both the saving and <em>checking</em> <em>account</em> remained under the agreement.     Suntrust bought out  XXXX  years ago and then took on my saving contract which is a no maintenance free <em>account</em> with no fee charge."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"]},"sort":[17.517733,"2585047"]},{"_index":"complaint-public-v1","_id":"7274432","_score":17.42145,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear CFPB Team, I have been a Bank of America customer for over 30 years. My 'Advantage Relationship Banking ' checking account is linked to a Regular Savings Account and a Money Market Savings Account. I have maintained a minimum balance in both savings accounts of {$5000.00} for years -- {$10000.00} min. per month total -- in order to avoid monthly maintenance charges on my checking account. \n\nBeginning in XX/XX/XXXX BofA began charging a {$25.00} 'Advantage Monthly Maintenance Fee '. I didn't notice this until XX/XX/XXXX -- 15 months later -- by which time I had been charged {$370.00} in fees despite the fact that my Advantage Relationship Banking checking account was linked to my 2 savings accounts. \n\nThis monthly service fee was not charged in XX/XX/XXXX, nor in any months prior -- because my checking account was properly linked to my 2 savings account. \n\nOver the past month I have called BofA 's customer service line several times, have been transferred to supervisors to explain my concern. I was told to visit a branch and speak to a branch manager - I did so, had to schedule an appointment for a week later. \nFollowing the appointment where I spoke to both the bank manager and a 'Credit Solutions Advisor ' I heard nothing for 2 weeks. \n\nYesterday, XX/XX/XXXX, I returned to the bank and asked the bank manager about the status of my complaint about the monthly service fees. She apparently called her supervisor because after 15 minutes she returned to tell me that I had to have a $ XXXX balance to avoid monthly fees. \n\nToday I again called the BofA Customer Service number ( XXXX ) and the upshot of 45 minutes on line with a customer service representative ( after conferring with his supervisor ) was that my checking account hadn't been properly linked to the 2 savings accounts, and by not maintaining a minimum XXXX XXXXXXXX balance in my checking account I had incurred the XXXX XXXX monthly charge. \n\nConclusion : I did nothing in XXXX of XXXX to 'de-link ' my checking account from my 2 savings accounts. I believe the bank surreptitiously de-linked them to charge a monthly maintenance fee, expecting that I would not notice it. Today the BofA representative assured me that the checking account has be properly linked to the 2 savings accounts again and that I should incur the monthly charge no longer if I continue to maintain a min. balance between the 2 savings accounts of at least $ XXXX. \n\nOn the heels of last week 's announcement that the CFPB has ordered BofA to pay more than XXXX XXXXXXXX to customers in fines, junk fees, fake accounts, etc., I am registering my complaint against this blatant effort by BofA to enhance its corporate revenue at the expense of unsuspecting customers such as myself. \n\nI welcome any inquiries should you be willing to act on this complaint. \n\nThank you for your service.","date_sent_to_company":"2023-07-19T19:01:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"947XX","tags":"Older American","has_narrative":true,"complaint_id":"7274432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-07-19T18:19:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["My 'Advantage Relationship Banking ' <em>checking</em> <em>account</em> is linked to a Regular <em>Savings</em> <em>Account</em> and a Money Market <em>Savings</em> <em>Account</em>. I have maintained a minimum balance in both <em>savings</em> <em>accounts</em> of {$5000.00} for years -- {$10000.00} min. per month total -- in order to avoid monthly maintenance charges on my <em>checking</em> <em>account</em>. \n\nBeginning in XX/XX/XXXX BofA began charging a {$25.00} 'Advantage Monthly Maintenance Fee '."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[17.42145,"7274432"]},{"_index":"complaint-public-v1","_id":"4687252","_score":17.413284,"_source":{"product":"Checking or savings account","complaint_what_happened":"someone from chase CFPB complaint resolutions department called me and imediately started Lying to me by tell me it's against federal law for her to call me at the number i listed in the CFPB complaint. she states that federal prohibits her from calling me on the number listed in my complaint. she also stated that they will resolve this complaint without actually talking to me. Perhaps you could start an investigation into why they won't call me on the number listed on my complaint. Perhaps you can explain to them that people change phone numbers and that i do not wish to be called on my work number for a complaint on my personal account with chase. Also how are they going to resolve a complaint without actually speaking to me. Guess I'll have to close my savings account with XXXX in it and switch to a different bank that knows how to read and follow simple directions. also please inform them that i do not wish to have my checking account updated to an account that has a {$12.00} a month fee and am in fact complaining about a {$6.00} fee they added to my no fee checking account and the fact that they lied about the amount of interest they would pay if i me if i had a checking account and opened a savings account with more then XXXX.","date_sent_to_company":"2021-09-02T19:17:56.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"33024","tags":"Older American","has_narrative":true,"complaint_id":"4687252","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-09-02T18:57:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Guess I'll have to close my <em>savings</em> <em>account</em> with XXXX in it and switch to a different bank that knows how to read and follow simple directions. also please inform them that i do not wish to have my <em>checking</em> <em>account</em> updated to an <em>account</em> that has a {$12.00} a month fee and am in fact complaining <em>about</em> a {$6.00} fee they added to my no fee <em>checking</em> <em>account</em> and the fact that they lied <em>about</em> the amount of interest they would pay if i me if i had a <em>checking</em> <em>account</em> and opened a <em>savings</em> <em>account</em> with more"],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"]},"sort":[17.413284,"4687252"]},{"_index":"complaint-public-v1","_id":"3732495","_score":17.406887,"_source":{"product":"Checking or savings account","complaint_what_happened":"Bank of America closed out my Business Checking and Business Savings Accounts On XX/XX/XXXX, XXXXBank of America neglected to mail out cashiers checks 3-5 business days as indicated in the letter informing of accounts closure. \nA complaint was filed with the CFPB on XXXX because NO balances were for the Business Checking ending in XXXX and Business Savings ending inXXXXBank of America requested two extensions from the CFPB.The regulatory compliance officer from Bank of America name is XXXX XXXX . He informed me that Business Savings check had been released and mailed out. A check for the Business Savings dated XX/XX/2020 was received but inaccurately stated the Business Checking account number. XXXX XXXX was immediately contacted about the discrepancies in the Business Checking and Business Savings Accounts. XXXX XXXX was asked to release the cashiers check for the Business Checking being held. XXXX XXXX stated that he doesnt know why the Business Checking Account balance has not been sent. XXXX XXXX sent an email for me to contact XXXX FBI, Special Agent, XXXX. My response, Why Release my business checking balance immediately. I am a California resident operating a Licensed XXXX XXXX XXXX.why is myXXXX who has NO jurisdiction over There is NO jurisdiction or justification to continue to deprive me of my Business Checking Account balance. Bank of America must be held accountable. I must have my balance immediately because XXXX XXXX depend on agencies as XXXX XXXX. Why would Bank of America hinder a XXXX woman working diligently to make a difference in society. XXXX XXXX said it correctly, I dont know why your Business Checking Account Balance has not been released and mailed out. Especially, since your Business Savings has been released and mailed out with the wrong account ending. See the attached letter.","date_sent_to_company":"2020-07-07T07:41:27.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"95330","tags":"Servicemember","has_narrative":true,"complaint_id":"3732495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-07-07T02:25:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["A <em>complaint</em> was filed with the CFPB on XXXX because NO balances were for the Business <em>Checking</em> ending in XXXX and Business <em>Savings</em> ending inXXXXBank of America requested two extensions from the CFPB.The regulatory compliance officer from Bank of America name is XXXX XXXX . He informed me that Business <em>Savings</em> <em>check</em> had been released and mailed out. A <em>check</em> for the Business <em>Savings</em> dated XX/XX/2020 was received but inaccurately stated the Business <em>Checking</em> <em>account</em> number."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Funds not received from closed <em>account</em>"]},"sort":[17.406887,"3732495"]},{"_index":"complaint-public-v1","_id":"15864693","_score":17.386337,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX \" high yield interest '' savings accounts. Capital One misrepresented the XXXX Checking account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Performance Checking account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.","date_sent_to_company":"2025-09-12T00:11:43.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33415","tags":null,"has_narrative":true,"complaint_id":"15864693","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-09-12T00:00:01.000Z","state":"FL","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I am filing a <em>complaint</em> against Capital One regarding the deceptive practices related to their XXXX \" high yield interest '' <em>savings</em> <em>accounts</em>. Capital One misrepresented the XXXX <em>Checking</em> <em>account</em> as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders <em>about</em> the superior rates offered by the XXXX Performance <em>Checking</em> <em>account</em>."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[17.386337,"15864693"]},{"_index":"complaint-public-v1","_id":"6094539","_score":17.382195,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/22 Bank of America zeroed my unemployment account by withdrawing {$810.00}. I complained, on phone for hours on multiple days. Response was it was authorized and sent to checking or savings account. BUT they will not say to what checking or savings accounts. I dont have a B of A checking or savings account! I checked the ones I do have and that {$810.00} was not transferred in. \n\nThis occurred after about a month of weird appearances and then disappearances of funds from my B od A account. Each time I questioned them I was told to report a lost debit card. I did this 4 or 5 times, given new cards each time and money reapplied to my account. I gave up and asked the California EDD to sent checks directly to me. They have and that part is fine. The {$810.00} has not been accounted for. There is something very wrong at the Bank of America. \n\nIf this is not resolved I feel I must contact the AG to force an accounting. \n\nPreviously documented as complaint # XXXX","date_sent_to_company":"2022-10-17T16:52:12.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"92103","tags":"Older American","has_narrative":true,"complaint_id":"6094539","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-10-17T16:30:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble getting information about the card"},"highlight":{"complaint_what_happened":["On XX/XX/22 Bank of America zeroed my unemployment <em>account</em> by withdrawing {$810.00}. I complained, on phone for hours on multiple days. Response was it was authorized and sent to <em>checking</em> or <em>savings</em> <em>account</em>. BUT they will not say to what <em>checking</em> or <em>savings</em> <em>accounts</em>. I dont have a B of A <em>checking</em> or <em>savings</em> <em>account</em>! I checked the ones I do have and that {$810.00} was not transferred in."],"sub_issue":["Trouble getting information <em>about</em> the card"]},"sort":[17.382195,"6094539"]},{"_index":"complaint-public-v1","_id":"6532960","_score":17.317972,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a checking and savings account at the Chase branch located at XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. XXXX XXXX XXXX ID XXXX helped me when I opened the accounts After opening the accounts, I was given a folder with an account summary, information about earning an account bonus, details on how to set up direct deposit, information about my debit card, and starter checks. I never received information about fees for the savings account and was never told anything about fees for the savings account. I was advised that I would need to keep at least {$1500.00} in my checking account or receive direct deposits to avoid fees on my checking account. \n\nA couple of days ago, I noticed that I was getting charged {$5.00} per month on my savings account. I called Chase customer service XXXX XX/XX/XXXX and asked about the fees and requested that they reverse them. \n\nI was told that in order to avoid fees, I'd have to keep a minimum balance of {$300.00} in the savings account or have at least one automatic transfer per month. I told the agent that I'd set up an automatic transfer to avoid the fees going forward and that this information was never disclosed to me when I opened the account. The agent told me that they could only reverse the fee for one month per company policy. \n\nI then asked to be transferred to a supervisor to see if they could make an exception to this policy as the fees for the saving account were not disclosed to me. I was then transferred to XXXX XXXX at the main customer service number. XXXX stated that he was unable to make an exception even though the fees for the savings account were not disclosed to me. \n\nI then decided to try to speak to someone at the branch. I called XXXX XXXX on XXXX XXXX XXXX and requested he reverses the fees because I was not made aware of the fees when opening the savings account. XXXX said that he, nor anyone else at the branch had the authority to reverse the additional fees and suggested I call customer service ( which I already knew was a dead end ). \n\nI stated to both XXXX and to XXXX that refusal to reverse these undisclosed fees would leave me no choice but to file a complaint with the CFPB and neither one seemed to care. \n\nThank you for your time and attention to this matter. \n\nRegards, XXXX XXXX","date_sent_to_company":"2023-02-02T18:26:13.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"94404","tags":null,"has_narrative":true,"complaint_id":"6532960","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-02-02T18:09:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["I never received information <em>about</em> fees for the <em>savings</em> <em>account</em> and was never told anything <em>about</em> fees for the <em>savings</em> <em>account</em>. I was advised that I would need to keep at least {$1500.00} in my <em>checking</em> <em>account</em> or receive direct deposits to avoid fees on my <em>checking</em> <em>account</em>. \n\nA couple of days ago, I noticed that I was getting charged {$5.00} per month on my <em>savings</em> <em>account</em>. I called Chase customer service XXXX XX/XX/XXXX and asked <em>about</em> the fees and requested that they reverse them."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"]},"sort":[17.317972,"6532960"]},{"_index":"complaint-public-v1","_id":"6407180","_score":17.264074,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XXXX XXXX I opened a checking and savings account with proceeds from a lawsuit that was handled by XXXX XXXX XXXX XXXX. Both accounts along with direct deposit for my monthly social security payments were opened by personal banker XXXX XXXX. The check from the lawsuit was XXXX. I deposited {$30000.00} into the new savings account. I was given {$10000.00} cash per my request and the remainder was deposited into the checking account. My direct deposit was established to receive social security payments on the same day. As of today, I still have the checking account and direct deposit. I deposited the {$30000.00} into the savings account for safe keeping. Although, I was initially skeptical about banks, I trusted Chase Bank to do right by my money. After I deposited the monies into the accounts, I withdrew {$2000.00} from the savings account and never touched it again as I wanted to keep it. In the last few months, I have gone to the bank to inquire about the savings account, and I was informed that there was no savings account initially. After demanding a bank teller to provide bank statements, I only received XXXX statements that did not make mention of the savings account. I was told on multiple occasions that I never had one. After several complaints in person and on the phone ( My daughter XXXX XXXX ) even spoke to the corporate office and was given information that I have the accounts, including the savings account, but the money was gone and the account was closed in 2013. They notified me on the phone that someone ( they didn't know who ) had withdrew the money on a monthly basis until the account was closed. I informed them that it was not me, but they blamed me for the missing money stating that I should have contacted the bank. I tried to explain that I put the money in the account for safe keeping. They refuse to investigate to find the theft or fraud and who did it and how it was done. I have lost {$28000.00}. Please help me. They validate that I did have a savings account but don't know or refuse to investigate who stole the money and how it was done and they blamed me.","date_sent_to_company":"2023-01-06T18:34:40.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"75227","tags":"Older American","has_narrative":true,"complaint_id":"6407180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-01-06T18:07:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["As of today, I still have the <em>checking</em> <em>account</em> and direct deposit. I deposited the {$30000.00} into the <em>savings</em> <em>account</em> for safe keeping. Although, I was initially skeptical <em>about</em> banks, I trusted Chase Bank to do right by my money. After I deposited the monies into the <em>accounts</em>, I withdrew {$2000.00} from the <em>savings</em> <em>account</em> and never touched it again as I wanted to keep it."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"]},"sort":[17.264074,"6407180"]},{"_index":"complaint-public-v1","_id":"14407579","_score":17.196709,"_source":{"product":"Checking or savings account","complaint_what_happened":"The fraud has been extensive in both checking and savings accounts. \n1. Citizensbank has assigned XXXX XXXX XXXX XXXX to manage our accounts since XX/XX/XXXX. We just came to know about this during our calls with customer agent when I called on XX/XX/XXXX ( Monday ) to report stolen card and order new card. We did not request a XXXX XXXX and we were not informed about XXXX XXXX assigned to manage our accounts. \nXXXX. Our accounts were changed from \" Wealth Management '' to \" Private '' client without our knowledge. There has been extensive frauds in the both the checking and savings account. \nXXXX. We have XXXX  XXXX XXXX credit card. The credit card limit was extended in the same timeframe to {$18000.00} without our knowledge or consent. The XXXX and Citizensbank have automatic payment set up. The frauds have happened in XXXX  and amounts have been transferred from Citizens to XXXX. XXXX  Complaint # : XXXX Money have been directly debited from Citizens bank XXXX during this timeframe extensively. \nXXXX. The checking and savings account are joint account of myself and my husband. So we will always have the debit card with the same number all throughout the years. But now, the debit cards sent were of different numbers. This is against what is normal. Is this done to avoid showing debits happening in the cards during login as different debit card numbers can be shown to be associated with different logins. From the very beginning the cards were associated with joint checking and savings accounts. I have already complained about identity theft, financial, medical theft, phrogging, health related issues happening to us. This needs immediate attention. THIS COMPLAINT SHOULD BE OPENED AGAIN. \nThe previous complaint # created was closed without proper explanation or credible action by Citizens Bank. \nOld Complaint that was closed # : XXXX XXXX. We are locked out of our accounts. Our passwords doesn't work when we try to access our accounts. \nThe XXXX  or any payment transaction we initiate fail to go through. We are prevented from accessing our own accounts.","date_sent_to_company":"2025-07-02T04:47:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"03062","tags":null,"has_narrative":true,"complaint_id":"14407579","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2025-07-02T04:28:05.000Z","state":"NH","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["From the very beginning the cards were associated with joint <em>checking</em> and <em>savings</em> <em>accounts</em>. I have already complained <em>about</em> identity theft, financial, medical theft, phrogging, health related issues happening to us. This needs immediate attention. THIS <em>COMPLAINT</em> SHOULD BE OPENED AGAIN. \nThe previous <em>complaint</em> # created was closed without proper explanation or credible action by Citizens Bank. \nOld <em>Complaint</em> that was closed # : XXXX XXXX. We are locked out of our <em>accounts</em>."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[17.196709,"14407579"]},{"_index":"complaint-public-v1","_id":"7171429","_score":17.15029,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have two accounts that were originally opened with BB & T. On both the phone app and online both accounts are labeled as checking in addition, prior to XX/XX/XXXX, no excessive withdrawal fees were ever charged on either account. It appears that since the merger of BB & T with Suntrust, the new bank Truist is now charging {$15.00} per transactions over 6 in one of the accounts that they are saying is a savings account even though it is labeled as checking. When I confronted them about this on XX/XX/XXXX they tried to say that they were required by Reg D to make these charges. This is deceptive since the restrictions on savings account withdrawals was lifted in XXXX XXXX and has never been reinstated. It wasn't until I informed them that I am recently retired from another bank that they scrambled to find another reason. They then dug out a sheet from their description of the account stating showing this {$15.00} excessive withdrawal fee on it. I advised them that there was no warning on the app, they did not refuse the withdrawals, and they did not change the account from \" savings '' to checking after 3 violations. In XX/XX/XXXX there are {$75.00} in fees, XX/XX/XXXX - {$90.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX - {$45.00}. I feel that Truist is in violation of XXXX because # XXXX labeling the savings account as checking is both deceptive and abusive misleading people into using the savings as a demand deposit account. That by falsely claiming that these fees are required by Regulation D, they are again being deceptive and unfair since they are relying on the general public being unaware of current regulatory requirements and are using that to discourage further complaints from their customers and avoid culpability in their actions. In addition, even though the terms and agreements is available online, since the savings account is mislabeled as a checking account, it would make it nearly impossible for consumers to determine that the fees related to any withdrawal limits the bank is imposing would apply to their account since it is clearly labeled as a checking account. I have put in a complaint with Truist requesting a return of all fees charged for excessive withdrawals and was told someone would be back with me the same day. Nobody has attempted to contact me from Truist so I am filing a formal complaint.","date_sent_to_company":"2023-06-27T13:38:35.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"33702","tags":"Older American","has_narrative":true,"complaint_id":"7171429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-06-27T12:29:26.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["I advised them that there was no warning on the app, they did not refuse the withdrawals, and they did not change the <em>account</em> from \" <em>savings</em> '' to <em>checking</em> after 3 violations. In XX/XX/XXXX there are {$75.00} in fees, XX/XX/XXXX - {$90.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX - {$45.00}. I feel that Truist is in violation of XXXX because # XXXX labeling the <em>savings</em> <em>account</em> as <em>checking</em> is both deceptive and abusive misleading people into using the <em>savings</em> as a demand deposit <em>account</em>."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"]},"sort":[17.15029,"7171429"]},{"_index":"complaint-public-v1","_id":"4199033","_score":17.13092,"_source":{"product":"Checking or savings account","complaint_what_happened":"On or about XX/XX/XXXX, I opened a checking and savings account at Citibank after seeing an incentive to open a new Citi Priority checking account and deposit {$50000.00} in new money. \n\nOn XX/XX/XXXX, I transferred {$50000.00} from an external account into my newly opened checking account. I also requested to link all my accounts ( new and existing Savings ) so I can qualify for no monthly fees because my combined balance exceeded {$50000.00}. \n\nThe terms of the promotion stated if the new money remained at Citi for 60 days in an eligible account, then Citi would pay me {$700.00} within 90 days following the 60-day mark. \n\nI was an existing client but only had an accelerated savings account, so I was eligible for the new checking/saving account promotion. \n\nOn XX/XX/XXXX, I contacted Citi customer support and inquired if I could transfer my new money into my existing savings account now that it was linked. The representative told me it was okay but advised to leave {$50.00} in the new account, so they do not automatically close due to a low balance. So, I transferred the new money into my existing savings and left {$50.00} in the new account. \n\nIn XX/XX/XXXX, I received a monthly fee and was deducted {$30.00} from my checking account. The bank did reimburse me and reassured me that my accounts were going to be linked correctly going forward. So, I assumed I would not have to pay fees again unless I lowered my balance below {$50000.00}. I also inquired about the {$700.00} promotion and was told it will be paid within 90 days of the XXXX day of depositing the new money. I expressed my concern that we were near the end of the 90-day period and the deposit has not been made. I was told to be patient. \n\nOn or about XX/XX/XXXX, I reviewed my account and saw another $ 30 monthly fee from my checking account. I was told to call back once the fee was fully assessed against my account. I also inquired about the new account promotion and was told the 90-day period has not been fully met. \n\nMy concern is the Citibank website has updated the terms and conditions of the new account promotion, effective XX/XX/XXXX. So, now I no longer have written proof to show them I was eligible at the time I opened my accounts. I also escalated my concern to a personal banker who submitted a complaint on my behalf. The result of my complaint was that it was denied because my funds were deposited in an eligible account despite being misled by a customer service representative.","date_sent_to_company":"2021-03-09T05:06:27.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"77090","tags":"Servicemember","has_narrative":true,"complaint_id":"4199033","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-03-09T05:02:34.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["On or <em>about</em> XX/XX/XXXX, I opened a <em>checking</em> and <em>savings</em> <em>account</em> at Citibank after seeing an incentive to open a new Citi Priority <em>checking</em> <em>account</em> and deposit {$50000.00} in new money. \n\nOn XX/XX/XXXX, I transferred {$50000.00} from an external <em>account</em> into my newly opened <em>checking</em> <em>account</em>. I also requested to link all my <em>accounts</em> ( new and existing <em>Savings</em> ) so I can qualify for no monthly fees because my combined balance exceeded {$50000.00}."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[17.13092,"4199033"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2027,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2027}]}},"product":{"doc_count":2027,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":1261,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":789},{"key":"Savings account","doc_count":356},{"key":"Other banking product or service","doc_count":99},{"key":"CD (Certificate of 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