{"took":105,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":442,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8877746","_score":21.278673,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year> my Apple cash account was locked due to it not abiding apples terms and conditions. They have yet to explain the honest reason why it was locked because what was given as an explanation it was not a formidable reason once so ever. I currently have {$1500.00} permanently locked on there. It was not a suspected fraud case because it came from the same card Ive had on Apple pay for the last 2-3 years. I would greatly appreciate some assistance in getting my account unlocked because the money I use on Apple pay is strictly for my bills and without it I am in jeopardy of facing late bills and maybe even eviction. \n\nThank you.","date_sent_to_company":"2024-04-28T18:44:50.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"48204","tags":null,"has_narrative":true,"complaint_id":"8877746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-04-28T18:38:15.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/year> my Apple cash <em>account</em> was <em>locked</em> due to it not abiding apples terms and conditions. They have yet to <em>explain</em> the honest <em>reason</em> why it was <em>locked</em> because what was given as an explanation it was not a formidable <em>reason</em> once so ever. I currently have {$1500.00} permanently <em>locked</em> on there. It was not a suspected fraud case because it came from the <em>same</em> card Ive had on Apple pay for the last 2-3 years."]},"sort":[21.278673,"8877746"]},{"_index":"complaint-public-v1","_id":"22625795","_score":20.608274,"_source":{"product":"Checking or savings account","complaint_what_happened":"Account was reviewed manually and opened on XX/XX/XXXX. I made the opening deposits after verification in branch on the same day XX/XX/XXXX. \n\nAs I was waiting on the debit card, I tried to send a transfer from my checking account to fund the account with my personal funds on XX/XX/XXXX. \n\nThe account was then closed on or about XX/XX/XXXX after I was locked out with no reason provided or letter sent out explaining the reason for closure.","date_sent_to_company":"2026-05-27T18:37:50.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"20706","tags":null,"has_narrative":true,"complaint_id":"22625795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-05-27T18:27:06.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["<em>Account</em> was reviewed manually and opened on XX/XX/XXXX. I made the opening deposits after verification in branch on the <em>same</em> day XX/XX/XXXX. \n\nAs I was waiting on the debit card, I tried to send a transfer from my checking <em>account</em> to fund the <em>account</em> with my personal funds on XX/XX/XXXX. \n\nThe <em>account</em> was then closed on or about XX/XX/XXXX after I was <em>locked</em> out with no <em>reason</em> provided or letter sent out <em>explaining</em> the <em>reason</em> for closure."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[20.608274,"22625795"]},{"_index":"complaint-public-v1","_id":"7596271","_score":18.784868,"_source":{"product":"Checking or savings account","complaint_what_happened":"I tried checking my account the date of XX/XX/ to realize the company had locked my account and I needed to call to get it resolved. I had about {$5300.00} and since it was being saved for my XXXX XXXX I was upset and worried about what would happen to that money. I called that same day XXXX  and was told that my account was closed for reasons they could not explain to me and was told that I would receive a letter explaining why in about 7-10 business days. I asked about the funds that were in my account and how I would be able to get it back, representative told me I would get a check around 7-10 business days as well. It has been past that time frame I am extremely disappointed due to the fact that there was no communication whatsoever and I only had this account open for about a month until it was closed for no reason.","date_sent_to_company":"2023-09-23T06:11:16.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"11234","tags":null,"has_narrative":true,"complaint_id":"7596271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2023-09-23T05:51:22.000Z","state":"NY","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I tried checking my <em>account</em> the date of XX/XX/ to realize the company had <em>locked</em> my <em>account</em> and I needed to call to get it resolved. I had about {$5300.00} and since it was being saved for my XXXX XXXX I was upset and worried about what would happen to that money. I called that <em>same</em> day XXXX  and was told that my <em>account</em> was closed for <em>reasons</em> they could not <em>explain</em> to me and was told that I would receive a letter <em>explaining</em> why in about 7-10 business days."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Savings <em>account</em>"],"sub_issue":["Funds not received from closed <em>account</em>"]},"sort":[18.784868,"7596271"]},{"_index":"complaint-public-v1","_id":"6152385","_score":18.664658,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had opened a case up a couple of months ago explaining the same issue I'm about to explain today, klarna resolved my issue once I opened a case up with CFPB but my Klarna account has reverted back to not allowing me to make purchases even though I have buying power available and I have made no changes on my personal information to cause my purchase thru Klarna to be declined. If you could please help me get to bottom if this once and for all, please this is so frustrating and ridiculous why my account has to continue to be locked up whenever they feel like freezing it for no good reason and then it's like pulling teeth getting them to fix it. Please help me with this.","date_sent_to_company":"2022-11-01T19:52:14.000Z","issue":"Trouble using your card","sub_product":"Store credit card","zip_code":"36117","tags":null,"has_narrative":true,"complaint_id":"6152385","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Klarna AB","date_received":"2022-11-01T19:42:38.000Z","state":"AL","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["If you could please help me get to bottom if this once and for all, please this is so frustrating and ridiculous why my <em>account</em> has to continue to be <em>locked</em> up whenever they feel like freezing it for no good <em>reason</em> and then it's like pulling teeth getting them to fix it. Please help me with this."]},"sort":[18.664658,"6152385"]},{"_index":"complaint-public-v1","_id":"6391430","_score":18.491692,"_source":{"product":"Checking or savings account","complaint_what_happened":"Bank of America has locked me out of my account after trying to deposit a {$1000.00} check from my uncle. The check was rejected by the bank in spite of the check being valid and the maker account being funded. The funds were then re-sent to me via XXXX for the same amount by my uncle. I was able to access a portion of the funds, but Bank of America locked my account later that day on XX/XX/XXXX. They locked me out entirely right before XXXX. I also receive XXXX XXXX into that account. The date they locked my account was already after the cutoff time to be able to switch the deposit to another account. I called Bank of America on XX/XX/XXXX they stated that due to the terms and conditions, they reserve the right to close my account for no reason and they have decided to do so for \" business reasons. '' I spoke with two supervisors, and nobody could give an actual reason or explanation and refused to allow me to speak to anyone higher than the second-level supervisor. I spoke with them again on XX/XX/XXXX, and they stated that because the account is in the process of closing, I will have to wait until at least XX/XX/XXXX to have an official check issued to me as I am XXXX and currently live more than an hour away from the nearest branch. I am temporarily staying with my brother in XXXX Maine. They have yet to explain why they have terminated my account and I have been forced to go without access to my social security funds that were deposited into the account. I feel the bank has blatantly abused me as they know I have limited resources and that there will be little to no recourse for their actions.","date_sent_to_company":"2023-01-03T18:32:29.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"042XX","tags":null,"has_narrative":true,"complaint_id":"6391430","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-01-03T18:05:04.000Z","state":"ME","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Bank of America has <em>locked</em> me out of my <em>account</em> after trying to deposit a {$1000.00} check from my uncle. The check was rejected by the bank in spite of the check being valid and the maker <em>account</em> being funded. The funds were then re-sent to me via XXXX for the <em>same</em> amount by my uncle. I was able to access a portion of the funds, but Bank of America <em>locked</em> my <em>account</em> later that day on XX/XX/XXXX. They <em>locked</em> me out entirely right before XXXX. I also receive XXXX XXXX into that <em>account</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[18.491692,"6391430"]},{"_index":"complaint-public-v1","_id":"6575755","_score":18.456621,"_source":{"product":"Checking or savings account","complaint_what_happened":"My debit card, account, online access where locked on the XXXX of XXXX XXXX On the XXXX, I called Citi to the Fraud department where they explained they locked my account due to \" suspicious activity ''. I had deposited a check for {$23000.00} the day before. \n\nThey wanted to verify if the deposit and I confirmed that it was. I also confirmed who the payor on the check was. They also reached out to that person who confirmed that the check was valid. I was told that in 24-48hrs after investigation that I would have access to my account. \n\nOn the XXXX XXXX XXXX, I called the Fraud department and they repeated the same. They told be to call back again on the XXXX. On the XXXX XXXX I went to my local branch and explained to the manager what happened. He looked into the system and confirmed that my account was locked and that my account was slated to be closed for NO APPARENT REASON. I was then told that I would get a letter in the mail in 5-10 days and that Citi would send my money back to me within 30-60 days. I told him that this was outrageous and that I wanted my money back immediately since I had confirmed from the payor - a customary business associate - that everything was fine with the check. \n\nI then call the Fraud dept. and explained everything again and they repeated the same policy about 5-10 day letter of explanation and then 30-60 day return of the funds. I then requested to speak to a Supervisor. That Supervisor contacted the payor on the check XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX who confirmed the validity of the check and transaction. We were all on the fone as a conference call. AND the Supervisor separately talked to XXXX XXXX via a call to him from the Tennessee office. \n\nShe called me back and confirmed that the transaction was valid and that she would be sending an email to a n \" investigator '' who would review things and then release the restrictions on my account in 24-48 hours!!\n\nI want help in : 1. unblocking my account 2. I want my money back IMMEDIATELY not 30 - 60 days. That is nonsense.\n\nThere was no reason to restrict my account, no close my account, no refuse to return my money IMMEDIATELY.","date_sent_to_company":"2023-02-15T20:29:10.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"11216","tags":null,"has_narrative":true,"complaint_id":"6575755","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-02-15T20:21:55.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I was told that in 24-48hrs after investigation that I would have access to my <em>account</em>. \n\nOn the XXXX XXXX XXXX, I called the Fraud department and they repeated the <em>same</em>. They told be to call back again on the XXXX. On the XXXX XXXX I went to my local branch and <em>explained</em> to the manager what happened. He looked into the system and confirmed that my <em>account</em> was <em>locked</em> and that my <em>account</em> was slated to be closed for NO APPARENT <em>REASON</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Funds not received from closed <em>account</em>"]},"sort":[18.456621,"6575755"]},{"_index":"complaint-public-v1","_id":"4919927","_score":18.36857,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX Transunion dropped my score by XXXX points for a remark on my mortgage account that has been there since XX/XX/XXXX. That remark has never impacted my score. I filed a dispute and Transunion increased my score by the same XXXX points on XX/XX/XXXX. On XX/XX/XXXX Transunion again dropped my score by the same XXXX points, giving the same reason for the drop. I have a XXXX XXXX on time payment record and that was the case for the last XXXX XXXX no collections, no public records, basically no negatives whatsoever, so there is no legitimate reason for the drop on XX/XX/XXXX, which is why they increased my score by that same XXXX points on XX/XX/XXXX. Transunion can not explain the drop on XX/XX/XXXX which is why they restored the points on XX/XX/XXXX, but did not restore the XXXX points when they dropped it on XX/XX/XXXX. They can't explain it and asked me to wait XXXX hours for it to go back up. It has been a week and no one at Transunion including supervisors knows why and keep giving me talking points that I already know. I am locking in a mortgage rate soon, and I can't do this every month and their response that it is the system makes no sense because the information on my credit report is the same for the XXXX XXXX before the drop and the month after the drop.","date_sent_to_company":"2021-11-17T16:53:57.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27540","tags":"Older American","has_narrative":true,"complaint_id":"4919927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-11-17T16:08:30.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX Transunion dropped my score by XXXX points for a remark on my mortgage <em>account</em> that has been there since XX/XX/XXXX. That remark has never impacted my score. I filed a dispute and Transunion increased my score by the <em>same</em> XXXX points on XX/XX/XXXX. On XX/XX/XXXX Transunion again dropped my score by the <em>same</em> XXXX points, giving the <em>same</em> <em>reason</em> for the drop."]},"sort":[18.36857,"4919927"]},{"_index":"complaint-public-v1","_id":"9654018","_score":17.553242,"_source":{"product":"Checking or savings account","complaint_what_happened":"Today XX/XX/year> I go to log into my mobile app as Ive done for the past few years and it was locked so I phoned chase bank the representative tells me my account has been closed, I ask multiple times for the reason as my account remains in good standing I have never had any fraudulent activity nor fraud alerts on my acct. The representative proceeds to tell me the bank does not have to disclose the reason for the closure and a check will be mailed to me for the funds that were in the acct {$130.00}. I visited the branch for answers the teller phoned the dept that handles acct closures and they tell her the same thing they do not have to provide an explanation for closure. I explain to the teller I never received an email nor phone call warning me the acct would be closed, my household is on a fixed income and I need to be able to access the money that is in the acct asap. I explain to her this is disheartening for me as Ive held my acct in good standing for years and I recently turned XXXX yrs old and Im working on building my credit and Im being told my acct is being closed for no reason and I can never open another Chase acct when my whole family banks with Chase.","date_sent_to_company":"2024-07-27T00:31:01.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"85085","tags":null,"has_narrative":true,"complaint_id":"9654018","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-07-27T00:09:16.000Z","state":"AZ","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Today XX/XX/year> I go to log into my mobile app as Ive done for the past few years and it was <em>locked</em> so I phoned chase bank the representative tells me my <em>account</em> has been closed, I ask multiple times for the <em>reason</em> as my <em>account</em> remains in good standing I have never had any fraudulent activity nor fraud alerts on my acct."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[17.553242,"9654018"]},{"_index":"complaint-public-v1","_id":"3729317","_score":17.456722,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hi, On XX/XX/2019, Suntrust bank locked my personal checking account. On that same day, I went in to a branch to inquire about why my account was locked. They would not give me a reason other than Suntrust was choosing not to do business with me anymore, and that I would receive a refund check for the account balance within 7 to 10 business days. The account balance at the time of lock/closure was {$150000.00}. \n\n10 business days came and went and I did not get a refund check. I called suntrust and was now being told that they intended to hold my money for an un-determined amount of time. They would not tell me why they are holding my money, or when they would release my money. I offered to give them any information they needed for the activity in my account, ( invoices for ach payments, transfers, etc ) they would not accept any of this information. I have periodically called suntrust every few months and each time I get the same info that my account refund is \" on hold '' with no determined release date. To date, they have sent me no written communication explaining or acknowledging that they have held my money. The only information I have received from them is over telephone calls I have initiated. IT HAS BEEN 11 MONTHS!!!! and they still have not returned my money. At this point I feel as though they have stolen my money, and I am considering hiring a lawyer to fight them. Please help!","date_sent_to_company":"2020-07-04T15:43:25.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"296XX","tags":null,"has_narrative":true,"complaint_id":"3729317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2020-07-04T15:29:08.000Z","state":"SC","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":["Hi, On XX/XX/2019, Suntrust bank <em>locked</em> my personal checking <em>account</em>. On that <em>same</em> day, I went in to a branch to inquire about why my <em>account</em> was <em>locked</em>. They would not give me a <em>reason</em> other than Suntrust was choosing not to do business with me anymore, and that I would receive a refund check for the <em>account</em> balance within 7 to 10 business days. The <em>account</em> balance at the time of <em>lock</em>/closure was {$150000.00}. \n\n10 business days came and went and I did not get a refund check."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Funds not received from closed <em>account</em>"]},"sort":[17.456722,"3729317"]},{"_index":"complaint-public-v1","_id":"5222654","_score":17.446886,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I submitted a funds transfer between my linked accounts. I received a notification that the transfer had been initiated. On XX/XX/XXXX I received a notification that the transfer had been cancelled due to security issues and my account was locked. A payment to a vendor was returned on XX/XX/XXXX. The function which allows you to send money to friends hasn't worked in over a month. \n\nI was asked to provide a front and back copy of my ID and a pictures of my holding my ID which I did. Then I was asked to submit this again but this time include a piece of paper with the date written on it holding my ID which I did. Then I was asked to provide a copy of my bank statement and a letter from the bank explaining the reason for the transfer. I provided 2 bank statements with a message that there are transfer transactions on the statements between these linked account and this activity is normal and not fraud or suspicious. At this filing my account is still locked. I sent over 30 messages and made at least 10 phone calls letting them know that the locked account is the only account that I have money and that I am running out of food to eat and have bills that need to be paid. My account continues to be locked for no valid reason under the guise of \" security concerns '' It is now 5 days and counting and I have only rice to eat for 2 days now, which I will finish today. \n\nI believe this is a scam that allows the bank to hold onto funds for a designated period of time to earn interest. I believe an investigation would uncover that this bank routinely locks funds on accounts as there are numerous complaints of them doing this. Normal procedure is for a bank to send a fraud alert where the customer confirms or denies they did the transaction before locking the account. Banks do this for transactions that are outside of the customers normal transaction pattern. In this instance, I am not doing anything any differently and these transaction are a part of my normal activity. Even if an account is locked, it is immediately unlocked once the customer contacts the bank. This is why I believe this is a scam in the same league of that perpetrated by XXXX XXXX with phony accounts.","date_sent_to_company":"2022-02-15T15:28:37.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"89015","tags":"Older American","has_narrative":true,"complaint_id":"5222654","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-02-15T14:45:46.000Z","state":"NV","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Even if an <em>account</em> is <em>locked</em>, it is immediately unlocked once the customer contacts the bank. This is why I believe this is a scam in the <em>same</em> league of that perpetrated by XXXX XXXX with phony <em>accounts</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[17.446886,"5222654"]},{"_index":"complaint-public-v1","_id":"7788861","_score":17.398375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, I submitted an application for an XXXX XXXX ( XXXX ) credit card. Initially, I had only lifted the credit lock and unfreeze with XXXX. However, XXXX managed to retrieve my credit information from both XXXX and TransUnion. When I contacted TransUnion, they asserted that my credit had not been locked or frozen at the time. \n\nI was certain that my credit had been locked since XX/XX/XXXX because TransUnion allowed my second identity theft incident to occur, which prompted me to initially set up the credit lock. It was in XXXX when I realized they had done the same thing to me in XX/XX/XXXX with XXXX. At that time I thought they had frozen my account and they allowed XXXX to pull my account. \n\nAdditionally, in XX/XX/XXXX, I fell victim to identity theft. This occurred because TransUnion permitted XXXX  XXXX XXXX to access my credit information for someone who pretended to be me, and I had an alert on my account at the time. When I inquired with TransUnion about why they allowed this access, they explained that they had seen the alert but lacked a contact number to verify with me. I expressed my concern to them, arguing that this was all the more reason they should not have granted access to my credit information under those circumstances.","date_sent_to_company":"2023-11-01T05:33:36.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"7788861","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-01T05:33:33.000Z","state":"NC","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":["It was in XXXX when I realized they had done the <em>same</em> thing to me in XX/XX/XXXX with XXXX. At that time I thought they had frozen my <em>account</em> and they allowed XXXX to pull my <em>account</em>. \n\nAdditionally, in XX/XX/XXXX, I fell victim to identity theft. This occurred because TransUnion permitted XXXX  XXXX XXXX to access my credit information for someone who pretended to be me, and I had an alert on my <em>account</em> at the time."]},"sort":[17.398375,"7788861"]},{"_index":"complaint-public-v1","_id":"4355202","_score":16.988455,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear sir/madam My name is XXXX XXXXi have a checking account with chase.i got a XXXX  XXXX loan I'm a self employed.chase locked my account on XXXX stating that I need to provide my tax returns, a loan letter from XXXX and a Irs ein number.i did provided them all the documents and they opened my account and I used some money. But as on XXXX they have locked my account again saying that the ein needs to be before XX/XX/2020. According to law self employed don't need a EIN number to file taxes and to get XXXX  loan.i used my personal social security number when I applied for the XXXX loan.i got XXXX XXXX loan last year which was a higher amount into my same checking account .at that time chase didn't blocked my account and didn't send me any messages regarding EIN number.i f this is chase requirement than why wouldn't they ask me last year when I got my 1st loan from XXXX.i need a fair inquiry about my case. And if chase can't help me out than please send me a written letter explaining the reasons why my account was locked.you can contact me at XXXX","date_sent_to_company":"2021-05-05T07:03:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"4355202","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-05-05T06:57:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["And if chase can't help me out than please send me a written letter <em>explaining</em> the <em>reasons</em> why my <em>account</em> was <em>locked</em>.you can contact me at XXXX"],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[16.988455,"4355202"]},{"_index":"complaint-public-v1","_id":"13232282","_score":16.945934,"_source":{"product":"Checking or savings account","complaint_what_happened":"In an attempt to open a new checking account, I met with a Truist Bank customer service rep at a local branch XXXX XXXX XXXX XXXX XXXXXXXX XXXX  on XX/XX/year>. XXXX XXXX is XXXX XXXX, introduced herself as XXXX XXXX. After providing legal docs such as XXXX  XXXX and SS card, a checking account was opened. I made a {$50.00} cash deposit before leaving the branch. I received an initial Debit card, a new personalized checkbook, and invitations to open credit card accts with Truist plus other disclosures in the mail. However, later I learned the acct had been locked out as I no longer could access my acct online. Later I received many more documents from \" XXXX XXXX XXXX XXXX  '' explaining the acct had been closed permanently. There has been no explanation why the acct was closed. Now, more than a month later, I still have not received a refund for my initial {$50.00} deposit. When I called that same branch and spoke with XXXX XXXX today, she was unable to explain why I had not received a refund and proceeded to hang up the phone. I need my {$50.00} deposit returned and I absolutely reason/reasons for closure.","date_sent_to_company":"2025-04-29T18:06:57.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"77025","tags":"Older American","has_narrative":true,"complaint_id":"13232282","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-04-29T17:35:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["When I called that <em>same</em> branch and spoke with XXXX XXXX today, she was unable to <em>explain</em> why I had not received a refund and proceeded to hang up the phone. I need my {$50.00} deposit returned and I absolutely <em>reason</em>/<em>reasons</em> for closure."],"product":["Checking or savings <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Unable to open an <em>account</em>"]},"sort":[16.945934,"13232282"]},{"_index":"complaint-public-v1","_id":"14566904","_score":16.872879,"_source":{"product":"Checking or savings account","complaint_what_happened":"on XX/XX/year>, XXXX decides to close my checking account with the balance of {$520.00} due to my activity. I called and spoked to plenty of representatives for the past 3 months where they explained they could not provide reasons to closure over the phone, but could send an email in 3-5 Business Days. One representative after further questioning revealed it was due to possible fraudulent activity, to which they sent an email asking for my ID and other documents to prove my identity in order to have my account reinstated. I sent over the necessary documents, and I waited but the emails were all the same, exact same wording. I called again on XX/XX/year> to ask if there was anyway to access my funds locked inside of the account. These funds were needed for rent payment, there was no help provided. I even have access to the same cards and bank linked on the account and they still have not given me any update on how to recover my funds. I even have the email that states it will be held for up to 180 days for Loss Prevention, however I have received no response on how long I am supposed to wait for my rent money.","date_sent_to_company":"2025-07-11T01:16:38.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"77004","tags":null,"has_narrative":true,"complaint_id":"14566904","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-07-11T01:01:50.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["on XX/XX/year>, XXXX decides to close my checking <em>account</em> with the balance of {$520.00} due to my activity. I called and spoked to plenty of representatives for the past 3 months where they <em>explained</em> they could not provide <em>reasons</em> to closure over the phone, but could send an email in 3-5 Business Days."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[16.872879,"14566904"]},{"_index":"complaint-public-v1","_id":"20783979","_score":16.514566,"_source":{"product":"Credit card","complaint_what_happened":"I'm having the same issue I had prior with my first complaint I filed about Bank of America. \n\nThey reopened my accounts after wrongfully closing my accounts. To this day I have not recieved any letters regarding any of my accounts- only replacement cards for my accounts ) However, I received yet another email today of them closing my account that has a XXXX balance. ( Card ending is XXXX ). And the account with a balance remains open. This account have been in good standing since it was opened. I never called to close this account and this card was locked to prevent fraud. \n\nI contacted Bank of America for a reason and they stated they \" cant '' tell me and would recieve a letter. I've explained time and time again- I never receive any letters from them ( even when I had this issue the first time ).","date_sent_to_company":"2026-03-30T20:13:57.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"33309","tags":null,"has_narrative":true,"complaint_id":"20783979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-03-30T20:02:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["This <em>account</em> have been in good standing since it was opened. I never called to close this <em>account</em> and this card was <em>locked</em> to prevent fraud. \n\nI contacted Bank of America for a <em>reason</em> and they stated they \" cant '' tell me and would recieve a letter. I've <em>explained</em> time and time again- I never receive any letters from them ( even when I had this issue the first time )."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[16.514566,"20783979"]},{"_index":"complaint-public-v1","_id":"14912248","_score":16.479746,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX. I opened a Capital One 360 Checking account on the XXXX XXXX XXXX this year. But on the XXXXXXXX XXXX XXXXXXXX my account was restricted and no reason whatsoever was given. Furthermore, Capital One has kept me locked out of my account and given me no reason whatsoever. \n\nXXXX. There are XXXX branches within hundreds of miles of where I live and there is no way to contact these people other than their customer service phone numbers, XXXX XXXX XXXX who are just there to answer basic questions and open accounts, and US mail, none of which provide any means to access my bank accounts. \n\nXXXX. As a result of Capital Ones actions ( or inaction ), there have been multiple legal violations, including but not limited to : Violation of the Dodd-Frank Act ( Unfair, Deceptive, or Abusive Acts or Practices ), Violation of FTC regulations ( Unfair or Deceptive Acts or Practices ), XXXX. I went to the Capital One Locations webpage ( available here : https : //locations.capitalone.com/ ), typed in my zip code and filtered by branch and noticed that there were no branches near me so the next alternative was to go to a Capital One Caf, which XXXX not have all the same services that branches do but, according to Capital One, is a place to unwind, get coffee, use a work space, or talk to a Caf Ambassador, which is a human that works for Capital One. \n\nXXXX. I explained to the XXXX XXXX my issue. Of course, he was unable to help me, but was happy to connect me with the right people at Capital One. We sat down together and he proceeded to call Capital One, be placed on hold, explain the situation to someone, and be bounced aroundthis happened a handful of times. After enduring this for the greater part of an hour, he handed me the phone. This process repeated itself. \n\nXXXX. It is clear now that I have effectively been locked out of accessing my financial accounts in violation of terms of service and applicable laws resulting in damages.","date_sent_to_company":"2025-07-27T07:24:06.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"451XX","tags":null,"has_narrative":true,"complaint_id":"14912248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-07-27T07:14:20.000Z","state":"OH","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I opened a Capital One 360 Checking <em>account</em> on the XXXX XXXX XXXX this year. But on the XXXXXXXX XXXX XXXXXXXX my <em>account</em> was restricted and no <em>reason</em> whatsoever was given. Furthermore, Capital One has kept me <em>locked</em> out of my <em>account</em> and given me no <em>reason</em> whatsoever. \n\nXXXX."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[16.479746,"14912248"]},{"_index":"complaint-public-v1","_id":"8433069","_score":16.404907,"_source":{"product":"Checking or savings account","complaint_what_happened":"Executive Summary ; Marcus by Goldman Sachs locked my account. They have intentionally reduced my certification options and also delayed the certification process, refusing to refund my remaining funds. \n\nXX/XX/XXXX. \nUsing Marcus ' website, I transferred {$25000.00} from Marcus ' Saving account to XXXXXXXX XXXX XXXX  Checking account, both in my name. The transfer was successful. \n\nXX/XX/XXXX Attempted to transfer the entire balance of {$20000.00} to XXXX XXXX in the same manner, but the account was locked ; called Marcus ( XXXX ) ( 1st call ), and after verifying his identity by phone number, the other party agreed to perform the electronic funds transfer. \n\nXX/XX/XXXX. \nThe next day, the money ( {$20000.00} ) was returned to the same account. I tried to transfer the money myself via the application, but it also came back, so I called ( 2nd call ) to inquire the reason. They insisted that the cell phone authorization was no longer available. The reason is that the owner of this number had made a suspicious transaction ( presumably referring to the previous day 's transaction conducted by Marcus after our agreement ), which means that they consider the act of withdrawing the full amount as suspicious without a reasonable reason, even if the request came from someone who had completed the authorization. In order to unlock the account, they ask me to notarize and send back an affidavit of identification to be mailed to my home. \nSince the affidavit of identity is probably the last means of authentication, I called again ( 3rd call ) because I realized that if my account was subsequently locked again for unexplained reasons, I would have no means left to authenticate my account and would be at high risk of having the remaining funds wrongfully detained. Here, I asked them to wire the remaining amount as I wanted to close the account. Marcus agreed to wire the remaining amount to my XXXXXXXX XXXX  account within 3 business days and then close the account. \n\nXX/XX/XXXX. \nI called ( 4th call ) for an explanation as the money transfer was not done. They contradicted their previous agreement and explained that the account is still locked and the transfer could not be processed. Since our agreements with the reps were repeatedly overturned, I requested to speak directly with a supervisor who had the authority to control the lock of my account. The supervisor was not available to take my call, so I agreed to call back at a time when someone would be available. I checked to see if there was another authentication method, but was told that my wife 's phone number and my Massachusetts driver 's license would not work. \nI called at the specified time ( 5th call ), but the supervisor never showed up and another person told me that she would send a check for the balance to my address and then close the account. Two representatives joined the call at the same time, with one directing the process, and proceeded to temporarily release the hold on the account and send a check for the remaining amount via USPS Certified mail ( but in fact, they haven't done anything, they are just acting ). She indicated that the check would arrive within 7 to 10 business days and that I should present my ID to pick it up in person. \n\nXX/XX/XXXX. \nI called ( 6th call ) and requested to speak to a supervisor because the check had not been sent. A person claiming to be the supervisor appeared and told me to return the affidavit of identification that was mailed on the XXXX ( no such agreement was made in the previous phone call ), which should arrive by XX/XX/XXXX, contradicting the previous promise. I asked for the tracking number of the document, but was told that it did not exist. I was told again and again that after returning the documents, my account would be unfrozen through Marcus ' internal approval process, and that I would then be able to transfer the money again. I insisted that I could not agree to this because of the risk of being locked again after the authorization. She hung up the phone unilaterally.","date_sent_to_company":"2024-02-27T13:54:35.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"02478","tags":null,"has_narrative":true,"complaint_id":"8433069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-02-27T12:56:28.000Z","state":"MA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Attempted to transfer the entire balance of {$20000.00} to XXXX XXXX in the <em>same</em> manner, but the <em>account</em> was <em>locked</em> ; called Marcus ( XXXX ) ( 1st call ), and after verifying his identity by phone number, the other party agreed to perform the electronic funds transfer. \n\nXX/XX/XXXX. \nThe next day, the money ( {$20000.00} ) was returned to the <em>same</em> <em>account</em>. I tried to transfer the money myself via the application, but it also came back, so I called ( 2nd call ) to inquire the <em>reason</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Savings <em>account</em>"]},"sort":[16.404907,"8433069"]},{"_index":"complaint-public-v1","_id":"8812418","_score":16.402079,"_source":{"product":"Checking or savings account","complaint_what_happened":"We received a call from Ally Bank on XX/XX/XXXX, XXXX XXXX about possible Fraud. We verified all the details with Ally bank. The proceeded to tell us everything was ok. \n\nEven though everything was verified, the next two days our accounts were locked and unlocked. We called 3 times on the XXXX because we received notification that our accounts were locked. With no information as to why. Every time we would call, our accounts would be unlocked and told that they were not sure why our accounts were locked. We woke up on the XXXX and our account was locked again. After many more calls, someone informed us that they sent it to \" Leadership '' and that they sent it to \" Investigations ''. No one provided any information as to why that happened. Each call, I asked for someone to call me back or to provide us with information. I asked for the Leadership contact information and no one would give me that. I asked for the Investigations dept contact information and no one would give me that. No one would tell us why our accounts were locked from the XXXX until the XXXX. \n\n\nOn the XXXX, I proceeded to call two more times. The second called was in the afternoon. I spoke to a gentleman ( very helpful ) who said our account was locked and that we needed documentation that my husband owned his own business. He told us that from what he can see, they needed the document on the XXXX and it was in the notes but no one told us that. He was not sure why no one looked in our file because it clearly stated what was needed. He said that it \" looks like '' we were using the account as a business account. We were not. Payroll was direct depositing my husband 's checks into his personal account. We had been doing that for over 6 months. We sent the document to show that we were not using it as a business account. Again, no one contacted us and we continued asking for someone to call us as we had miss payments, checks were bouncing, and fees were accruing. \n\nTuesday the XXXX I called twice again. In the morning, the person told me that they had not seen the document we submitted. Tuesday night, XXXX worked with me and unlocked my accounts after a WEEK of being locked with NO INFORMATION once it was sent to Leadership and Investigations. She was not part of the Investigations team but was able to unlock our account based off the document we provided. I was on the phone for over 30 minutes begging her to lock at our account and how our account had our money in it, how we had been using the account for personal reasons since the day I opened it, that we never used it for business. She unlocked it. \n\nXX/XX/XXXX we received a letter that they locked our accounts. With no other information. They locked them starting XX/XX/2024 and had we not called MANY times, we never would know why. We do not understand why no one would try calling US to get the document needed. We do not understand after countless calls that no one read the entire record on file. I asked for the record and they would not give it to me. \n\nWe removed our money from the accounts and LOCKED our cards so that no more transactions would go through. However, for some reason, they allowed XXXX XXXX to withdraw {$21.00} for two more payments ( XX/XX/2024 and XX/XX/2024 ) even with LOCKED cards. \n\nAND on XX/XX/2024 they put a hold on my credit card claiming that a payment came from a bank that they needed verified so they denied the {$1500.00} payment and put my account on hold. However, they proceeded to take a payment AFTER putting the hold on my account for {$3000.00} and would not remove the hold unless I provided them with a bank verification letter for the {$1500.00} payment that was paid BEFORE the {$3000.00}. Why would they deny one payment, put a hold on the credit card, and then accept a payment from the exact same financial institution with exact same account information and keep the account on hold? \n\nI wrote a letter to the XXXX XXXX XXXX  and Ally Bank told them that we were using our personal account as a business account and case was closed. This was not accurate information at all. They did not explain to the XXXX  why our account was closed for days with no explanation, no contact. They did not explain anything to the XXXX.","date_sent_to_company":"2024-04-20T01:02:38.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"06082","tags":null,"has_narrative":true,"complaint_id":"8812418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-04-20T00:20:57.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I was on the phone for over 30 minutes begging her to <em>lock</em> at our <em>account</em> and how our <em>account</em> had our money in it, how we had been using the <em>account</em> for personal <em>reasons</em> since the day I opened it, that we never used it for business. She unlocked it. \n\nXX/XX/XXXX we received a letter that they <em>locked</em> our <em>accounts</em>. With no other information. They <em>locked</em> them starting XX/XX/2024 and had we not called MANY times, we never would know why."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[16.402079,"8812418"]},{"_index":"complaint-public-v1","_id":"9804022","_score":16.235428,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hi! This is XXXX XXXX my Citibank account is currently locked and has been locked since XX/XX/year>!! I have been relentlessly trying to get access to my money!!! I deposited my government refund check into this account and now Citibank blocked my account for no reason! They are stating that Citibank fraud department has sent out a Reference code for me to call and verify my identity! This has been their same response since XX/XX/year> and it is now XX/XX/year> and I still did NOT receive! I even asked if I can step into the branch and present my government issued Identification Card and Citibank refused to let me! I do not know what more do Citibank want me to do! I am not the only person that is going through this same situation! I have read over ten different articles about Citibank freezing their accounts for no reason! This is will be my second time reaching out regarding this matter! The previous representative that was assigned to my case was VERY RUDE!! When I explained to her to make sure the fraud department was sending my reference code to the correct address which is XXXX XXXX XXXX XXXX XXXX IL XXXX she told me that Citibank will send to a verified address and I do not know what address that maybe because I do not live anyplace else only XXXX XXXX XXXX XXXX XXXX IL. If Citibank does not want to release my funds I want my accounts closed and I want a cashiers check to be issued to my address that is on file l! This is ridiculous how do Citibank expect people to survive without their funds! This has been so stressful and very frustrating!!! If someone can please reach out to me about this situation as soon as possible! I am sick and tired of getting the run around and going back and forth with Citibank!! Down below I will attach documents from some of the articles online.","date_sent_to_company":"2024-08-14T15:06:52.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60490","tags":null,"has_narrative":true,"complaint_id":"9804022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-14T14:43:14.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["This is XXXX XXXX my Citibank <em>account</em> is currently <em>locked</em> and has been <em>locked</em> since XX/XX/year>!! I have been relentlessly trying to get access to my money!!! I deposited my government refund check into this <em>account</em> and now Citibank blocked my <em>account</em> for no <em>reason</em>! They are stating that Citibank fraud department has sent out a Reference code for me to call and verify my identity! This has been their <em>same</em> response since XX/XX/year> and it is now XX/XX/year> and I still did NOT receive!"],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[16.235428,"9804022"]},{"_index":"complaint-public-v1","_id":"11505298","_score":16.215498,"_source":{"product":"Checking or savings account","complaint_what_happened":"Citibank closed my account and is holding all of my money with no explanation. They locked my account three times while I was trying to transfer funds to my main checking account at XXXX bank. I was using the funds transfer buttons on Citi 's website to do this. My first ACH transfer went through after being locked out twice in the process. I intended to close my account since they kept locking it for no apparent reason. So I tried to transfer the remaining funds to the same XXXX account, which locked me out a third time. I called the bank and was told that I had no phone number on file that third time, which is strange, because I had gotten codes to unlock my account using my phone number the previous two times. I was told to wait on a code in the mail for security purposes. They also mailed this code to my former address, XXXX XXXX XXXX, XXXX XXXX XXXX  where my ex husband lives, and whom I left XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was an issue to get that code, but I got it. Once I called back with that code, I was told that they could no longer service my needs and that my account would be closed. No other explanation except, go to a bank branch and they may be able to explain further, but I would not be able to withdraw my money there. The closest bank branch is over XXXX miles away, so that's not really an option. I am expected to get a check for \" what they deem to be my money '' in XXXX to 60 days. I'm a recently divorced single mother with a single income, and I have bills to pay. I can't wait that long. I'm on government assistance and barely making it. I'm probably going to get evicted from my home because of this. They are holding hostage over {$1800.00} of my hard earned money. {$300.00} of that was a bonus from opening the Citi account and fulfilling the requirements. It's the only reason that I tried out this bank. I didn't know how far away the closest branch was when I opened it.","date_sent_to_company":"2025-01-13T14:18:59.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"255XX","tags":null,"has_narrative":true,"complaint_id":"11505298","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-01-13T14:08:07.000Z","state":"WV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Citibank closed my <em>account</em> and is holding all of my money with no explanation. They <em>locked</em> my <em>account</em> three times while I was trying to transfer funds to my main checking <em>account</em> at XXXX bank. I was using the funds transfer buttons on Citi 's website to do this. My first ACH transfer went through after being <em>locked</em> out twice in the process. I intended to close my <em>account</em> since they kept <em>locking</em> it for no apparent <em>reason</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[16.215498,"11505298"]},{"_index":"complaint-public-v1","_id":"16736695","_score":16.041542,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello. \nI'm a XXXX citizen living in XXXX. I was locked out of my Schwab checking account for doing XXXX XXXX transactions XXXX of {$300.00} dollars into my account, and another of {$100.00} dollars out of my account. They won't lift the lock unless I send them documentation that since I'm out of the XXXX, it's hard to obtain, it will cost me money and time because it has to be notarized and apostilled and they are not going to compensate for my time and the costs involved. \nI asked them to release my funds at least with a check to my address in the XXXX but they refused. So basically until I give them this documentation they will keep my money. They won't explain why they need this information and why it was locked. This is affecting me big time, because I don't have a lot of money, I'm abroad and this is my only source of funds. I believe this is unreasonable and an overreach. I've given them all the possible options to confirm my identity like video calls etc., I entered passwords, security questions, social security, and personal information and they still refuse. \nSo here 's the story with dates and everything. \nSo recently I opened a checking account with Charles Schwab Bank because they offer free international debit card transactions and no monthly fee. Recently I mean about XXXX weeks ago. \nOn XX/XX/year>, just last week I funded my account using the service XXXX with {$300.00} dollars coming from my XXXX XXXX account, this so I can get my debit card sent to my address in the XXXX for a relative or friend bring it to XXXX. XXXX XXXX does charge international transactions, that's why I wanted to use a different one. \nTesting the app was functioning properly etc., I tried to send to another account I have in XXXX XXXX, {$100.00} dollars, which triggered a suspension of the XXXX account. On the same day XX/XX/XXXX I called numerous times to the bank and spoke with representatives that tried to help me. \nI tried to do the XXXX transaction again with a different amount {$50.00} dollars which was locked too but after speaking with a representative they managed to send it through although the {$100.00} dollars was still pending. \nAfter not being able to help me with this {$100.00} dollar transaction, they suggested to wait until the next business day to see if they took the lock off the XXXX. \nI waited until Monday XX/XX/XXXX and to my surprise when I tried to log in to my account, it was completely locked. I couldn't get into my account. Not just the XXXX but the whole account with {$250.00} dollars in it. \nI called the bank, spoke with supervisor after supervisor and they explained to me that unless I send them a notarized copy of my passport and a copy of the statement from the bank where I did the {$300.00} transaction from they will keep the lock on my account. They didn't explain why, they simply stated that that was the only option for the to release my funds. \nI explained to them that since I'm in XXXX it's hard for me to notarize a copy of my passport because since it's international it has to be apostilled as well. This costs money and takes a lot of time to do. \nI asked them for any other way for them to confirm my identity, like a video call etc. But they refused. \nThis is clearly an overreach, a violation of my right to having my mk eye available when I need it. \nI asked them for a letter explaining why they locked my account but they refused to send it. \nThat's the reason I'm using this platform, I wouldn't mind obtaining all this documentation but I will need some compensation for it. \ni sincerely hope you can help me with this matter. \nI'm attaching a screenshot of the transaction from my XXXX XXXX account. A communication they sent me by secured email of what they're requiring and a photo of my passport. \n\nThank you very much.","date_sent_to_company":"2025-10-21T19:49:19.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33321","tags":null,"has_narrative":true,"complaint_id":"16736695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHARLES SCHWAB CORPORATION, THE","date_received":"2025-10-21T18:31:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I asked them for a letter <em>explaining</em> why they <em>locked</em> my <em>account</em> but they refused to send it. \nThat's the <em>reason</em> I'm using this platform, I wouldn't mind obtaining all this documentation but I will need some compensation for it. \ni sincerely hope you can help me with this matter. \nI'm attaching a screenshot of the transaction from my XXXX XXXX <em>account</em>. A communication they sent me by secured email of what they're requiring and a photo of my passport. \n\nThank you very much."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[16.041542,"16736695"]},{"_index":"complaint-public-v1","_id":"13502749","_score":16.007858,"_source":{"product":"Checking or savings account","complaint_what_happened":"I got paid early morning at approximately XXXX from my current bank account with XXXX XXXX I XXXX  myself {$2200.00} to Truist Bank to fund the account. In the same morning I paid bills with my wife, bought items from XXXX, then last a bought my son XXXX around lunch time. Soon after I log into my account and it says account is locked. I call Truist and they said they closed my account and there's no details on why and I will receive my funds by check in 30 days after pending charges clear. That was my only money and now I don't have gas to get to work and can potentially lose my job. There was no notification of anything. No fraud alert nothing. They just waited until I funded my account and closed it. There are over XXXX comments on various review sites and XXXX  explaining that they do this all the time to people and make people go the distance to get their money back. I am looking to sue if I lose my job because of this. There's no reason for a sudden account closure. Last purchase was XXXX. My account got closed because I purchased XXXX XXXX XXXX. This bank is frauding and scamming thousands of people and holding people money including mines for whatever reason I don't know.","date_sent_to_company":"2025-05-14T14:25:13.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"20111","tags":null,"has_narrative":true,"complaint_id":"13502749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-05-14T14:04:18.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I got paid early morning at approximately XXXX from my current bank <em>account</em> with XXXX XXXX I XXXX  myself {$2200.00} to Truist Bank to fund the <em>account</em>. In the <em>same</em> morning I paid bills with my wife, bought items from XXXX, then last a bought my son XXXX around lunch time. Soon after I log into my <em>account</em> and it says <em>account</em> is <em>locked</em>. I call Truist and they said they closed my <em>account</em> and there's no details on why and I will receive my funds by check in 30 days after pending charges clear."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[16.007858,"13502749"]},{"_index":"complaint-public-v1","_id":"6301752","_score":15.998019,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2022 I opened a Checking and Savings account with Ally Bank. Immediately after opening the account I transferred {$250.00} via XXXX into my new Checking account. The next morning on XX/XX/2022, I received an email that my account had been locked and I needed to call Ally to fix it. I called right after receiving that email, and the person on the phone told me that logins were attempted on my account from another country and they had locked the account for that reason. I was told someone from the Fraud department had been assigned and I would receive a call back within XXXX business days. \n\nI did not receive a call back, and had to call again myself. I was transferred to the Fraud Department and they told me that I would need to provide photos of my Driver 's License and Social Security card in order to unlock my account. At this point I decided I no longer wished to bank with Ally, and asked that they return my funds and close the account. The person I was speaking with said they could not do that and explained that the only way for my money to be returned and account closed was to provide the private documents that they requested. Ally has proven to me that they are an untrustworthy company by only locking my account and requesting these private documents after I deposited my hard earned money into their account. I explained to the representative that I do not trust Ally, and will not provide the requested documents. I was transferred to a supervisor, and got a voicemail that told me I would receive a call back with 48 hours. I left a message, and 3 business days passed without a call back. \n\nI called Ally again on XX/XX/2022, and again explained my situation to the representative who told me the same thing as previous, and again offered to transfer me to the supervisor voicemail, I insisted that I told directly with a supervisor and not the voicemail because that did not get me a call back last time. The representative said there is nothing else they could do for me, and transferred me to the voicemail where I again left a message to be called back. \n\nAt this point it feels as though Ally Bank has stolen this money from me, and is holding it hostage until I turn over my private information. I no longer trust Ally Bank, and will not provide them with any further documentation. I would like my money returned exactly as it was deposited, and my accounts closed.","date_sent_to_company":"2022-12-09T17:39:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"6301752","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2022-12-09T17:09:07.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["On XX/XX/2022 I opened a Checking and Savings <em>account</em> with Ally Bank. Immediately after opening the <em>account</em> I transferred {$250.00} via XXXX into my new Checking <em>account</em>. The next morning on XX/XX/2022, I received an email that my <em>account</em> had been <em>locked</em> and I needed to call Ally to fix it. I called right after receiving that email, and the person on the phone told me that logins were attempted on my <em>account</em> from another country and they had <em>locked</em> the <em>account</em> for that <em>reason</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Problem accessing <em>account</em>"]},"sort":[15.998019,"6301752"]},{"_index":"complaint-public-v1","_id":"7518791","_score":15.936944,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Venmo would not process my request to pay out. Kept getting message saying to try again later. For days, I tried to process from different devices, through mobile and desktop sites, through app, removed and reinstalled app but kept getting same message. In accordance with message, try later can be as soon as you receive the message. So I tried repeatedly and eventually I got a message saying the account was locked. At no time did Venmo provide a warning stating the account would be locked for any reason like multiple attempts. Why it was locked is still unknown. FYI, Venmo reps have told me the try again later message has been happening for years and that they get hundred to thousands of calls about it. Obviously, theres a software issue that Venmo ( PayPal ) is just ignoring. \n\nInitially, I contacted them by phone. Follow up communications were through email. I requested my account to be unlocked. XXXX XXXX tried to force me to give them copies of my ID my identification had already been previously confirmed and I was not going to give a copy of my ID out. \n\nI advised XXXX XXXX that my banks new security protocols now required me to provide details on what caused the lock out before they would allow me to re-established an account link again. XXXX XXXX refused to provide any details on the lock out. I advised XXXX XXXX that without lock out the details, my bank wouldnt allow me to use Venmo any longer. XXXX XXXX didnt care so I requested the account to be permanently closed and deleted. Initially he refused to do anything with the account and said I would have to do it, through the accounthello XXXX, the account is locked! Later, I requested confirmation that the account was deleted. He kept providing two different answers, one of which, clearly indicated that they were not going to honor my request and that they were keeping the account ( in a locked status ). I asked him to connect me to his legal department more than oncehe refused. He also told me that even with a cancelled account ( not a deleted account ), that they retain a lot of my account information. I requested a detailed list of which specific itemshe provided a cut & paste generic list from their terms and conditions. I again request specifics and got the same cut and paste ( I assume he was doing this again to antagonize me ). \n\nBased on what I have been told by XXXX XXXX, Venmo is not going to explain what action or actions caused the account to lock and my locked Venmo account will not be deleted ( and that theyre going to keep my personal data ). \n\nXXXX XXXX definitely needs a lot more training ( or supervision ) before he should be handling customers. In most companies, hed be subject to disciplinary actions. There are lots of other companies other than Venmo ( a PayPal companywho is just as bad ) to use, and thats what Ive done.","date_sent_to_company":"2023-09-08T16:18:23.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"95219","tags":null,"has_narrative":true,"complaint_id":"7518791","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-09-08T14:59:15.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["For days, I tried to process from different devices, through mobile and desktop sites, through app, removed and reinstalled app but kept getting <em>same</em> message. In accordance with message, try later can be as soon as you receive the message. So I tried repeatedly and eventually I got a message saying the <em>account</em> was <em>locked</em>. At no time did Venmo provide a warning stating the <em>account</em> would be <em>locked</em> for any <em>reason</em> like multiple attempts. Why it was <em>locked</em> is still unknown."]},"sort":[15.936944,"7518791"]},{"_index":"complaint-public-v1","_id":"19267949","_score":15.912277,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX chime locked my account notification said unusual activity I called immediately due to being in line at XXXX about to pay talked back and forth explained that its me read all my recent transactions not every but handful of the recent and they said its nothing they can do I have to wait XXXX to XXXX .. XXXX I got notification my account is back to normal Ive been stressing so much about the situation I refreshed my screen to confirm its real and it locked back for the same reason but I never had a chance to use my card to have unusual activity called they gave the same type of deflection its the system wait again and XXXX later account was closed I submitted a complaint on this but I just want to upload some recordings of theyre lies they told me the investigation determined I dont get my money but they responded to THE CFPB that they are investigating its not a movie or a game and I have XXXX kids I provide for Ive been selling my belongings to make sure we can eat Im behind on bills I cant even get body wash my account balance was from XXXX XXXX XXXX settlement so Im not able to work or I would but thats irrelevant THEY ARE BASICALLY STEALING MY MONEY AND MY KIDS XXXX and XXXX suffer from their shady business Im breaking down I just stop struggling waiting on my insurance payment and they send me right back to the bottom of XXXX and struggle its not fair especially to my kids PLEASE HELP IM BEGGING I JUST WANT WHATS MINE I SHOULDNT BE GOING THROUGH THIS HELP PLEASE","date_sent_to_company":"2026-02-05T11:35:48.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"94589","tags":"Servicemember","has_narrative":true,"complaint_id":"19267949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-02-05T11:08:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["XXXX I got notification my <em>account</em> is back to normal Ive been stressing so much about the situation I refreshed my screen to confirm its real and it <em>locked</em> back for the <em>same</em> <em>reason</em> but I never had a chance to use my card to have unusual activity called they gave the <em>same</em> type of deflection its the system wait again and XXXX later <em>account</em> was closed I submitted a complaint on this but I just want to upload some recordings of theyre lies they told me the investigation determined I dont get my money"],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_issue":["Funds not received from closed <em>account</em>"]},"sort":[15.912277,"19267949"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":442,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":442}]}},"product":{"doc_count":442,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":189,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":159},{"key":"Savings account","doc_count":16},{"key":"Other banking 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