{"took":168,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2523,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14695195","_score":21.81409,"_source":{"product":"Checking or savings account","complaint_what_happened":"THE BANK MOBILE CHECK POLICIES TOOK MY XXXX DIRECT DEPOSIT CHECK THE POLICY ALLOWED THE BANK TO RELEASE MONEY TO MY CHECKING ACCOUNT AND THE MONEY WENT TO THE FRAUD AND THE BANK TOOK MY DIRECT DEPOSIT THE BANK DIDNT LOSE NO MONEY AND THE FRAUDS COLLECTED THE MONEY OFF THE MOBILE CHECK DEPOSIT POLICIES IM OUT OF {$1400.00}","date_sent_to_company":"2025-08-27T12:12:22.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"60411","tags":null,"has_narrative":true,"complaint_id":"14695195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-07-16T02:37:04.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Bounced checks or returned payments"},"highlight":{"complaint_what_happened":["THE BANK MOBILE CHECK POLICIES TOOK MY XXXX <em>DIRECT</em> <em>DEPOSIT</em> CHECK THE POLICY ALLOWED THE BANK TO RELEASE <em>MONEY</em> TO MY CHECKING <em>ACCOUNT</em> AND THE <em>MONEY</em> WENT TO THE <em>FRAUD</em> AND THE BANK TOOK MY <em>DIRECT</em> <em>DEPOSIT</em> THE BANK DIDNT LOSE NO <em>MONEY</em> AND THE <em>FRAUDS</em> COLLECTED THE <em>MONEY</em> OFF THE MOBILE CHECK <em>DEPOSIT</em> POLICIES IM OUT OF {$1400.00}"],"product":["Checking or savings <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[21.81409,"14695195"]},{"_index":"complaint-public-v1","_id":"5393632","_score":20.176441,"_source":{"product":"Checking or savings account","complaint_what_happened":"Direct deposit arrived to my bank account and was on hold for a few days. Upon contacting them they finaly saw the deposits for the amounts of XXXX, XXXX and XXXX dollars respectively that arrived to the coinbase XXXX  between the XXXX of XX/XX/2022. After many days making phone calls between banks and sending them complain tickets to get my money resolved they ended up cancelling the direct deposits because they thought it was fraud without returning the money to the original sender. That money was from my XXXX XXXX work and i think they somehow confiscated the money because after weeks those funds never were returned. I have receipts and evidence of them admitting they've seen the funds hitting my account without clearing them. I need this money for a family of XXXX including a baby and cant loose my money just because they thought the money was fraud. If they didnt want to accept a direct deposit they should at least return it to the original sender so that the funds can go to the correct person. I am a XXXX XXXX XXXX  and those funds were hard earned and needed for food and housing needs for my family.","date_sent_to_company":"2022-03-31T20:12:28.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"77090","tags":null,"has_narrative":true,"complaint_id":"5393632","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2022-03-31T19:47:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>Direct</em> <em>deposit</em> arrived to my bank <em>account</em> and was on hold for a few days. Upon contacting them they finaly saw the <em>deposits</em> for the amounts of XXXX, XXXX and XXXX dollars respectively that arrived to the coinbase XXXX  between the XXXX of XX/XX/2022. After many days making phone calls between banks and sending them complain tickets to get my <em>money</em> resolved they ended up cancelling the <em>direct</em> <em>deposits</em> because they thought it was <em>fraud</em> without returning the <em>money</em> to the original sender."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"]},"sort":[20.176441,"5393632"]},{"_index":"complaint-public-v1","_id":"6162412","_score":20.051805,"_source":{"product":"Checking or savings account","complaint_what_happened":"Ive had fraud on my account which the bank refuses to accept that is not my fault. They wont give provisional credit or approve the fraud charges. I have direct deposits that come in every Thursday night, and the bank is flat out refusing to stop the direct deposit. Because of that, I wont be able to access any of my deposit because they want to keep the money. I know they can stop the direct deposit, so my company can put it in my other account but the bank refuses to allow this to happen. The complaints I found online shows that they have done this to numerous other veterans, and its not right.","date_sent_to_company":"2022-11-03T19:37:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"19355","tags":"Servicemember","has_narrative":true,"complaint_id":"6162412","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2022-11-03T19:28:38.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Ive had <em>fraud</em> on my <em>account</em> which the bank refuses to accept that is not my fault. They wont give provisional credit or approve the <em>fraud</em> charges. I have <em>direct</em> <em>deposits</em> that come in every Thursday night, and the bank is flat out refusing to stop the <em>direct</em> <em>deposit</em>. Because of that, I wont be able to access any of my <em>deposit</em> because they want to keep the <em>money</em>. I know they can stop the <em>direct</em> <em>deposit</em>, so my company can put it in my other <em>account</em> but the bank refuses to allow this to happen."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[20.051805,"6162412"]},{"_index":"complaint-public-v1","_id":"19929423","_score":19.975447,"_source":{"product":"Checking or savings account","complaint_what_happened":"So Fi banking has a bonus for signing up for direct deposits from your employer. They also have a partnership with an app called XXXX. You take test and you learn about good habits to increase your credit. They reward you with points that they deposit money into your SoFi account you have to have ahas a bonus for signing up for direct deposits from your employer. They also have a partnership with a app called XXXX. You take test and you learn about good habits to increase your credit. They reward you with points that they deposit money into your SoFi account you have to have a SoFi account. They deposited {$30.00} into my account for rewards. After that my direct deposit where I signed up for started the first one was for XXXX and then every week after that they were for XXXX apiece. When I inquire about, I have not received my bonus because I clearly qualified for my bonus for my direct deposit. They say I didnt qualify because my first deposit on my direct deposit was that {$30.00} reward from the app that they recommended. It is obvious that that is not my direct deposit and that is not my employer. On several occasions, they have acknowledged that it was a system error because the computer only sees a CH deposit and it credited that {$30.00} reward as a direct deposit from my employer. Now they want to claim that that is my first direct deposit for my payroll which its not and say I dont qualify for my bonus. This is Fraud any XXXX that can read can clearly see thats not my employer and a {$30.00} deposit isnt a paycheck I have gone through countless managers. I have explained it so Im blue in the face. This is fraud. They can not count an app they recommend that reward me with rewards as direct deposit.","date_sent_to_company":"2026-03-03T15:46:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"29532","tags":"Servicemember","has_narrative":true,"complaint_id":"19929423","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2026-03-03T15:35:18.000Z","state":"SC","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["They reward you with points that they <em>deposit</em> <em>money</em> into your SoFi <em>account</em> you have to have a SoFi <em>account</em>. They <em>deposited</em> {$30.00} into my <em>account</em> for rewards. After that my <em>direct</em> <em>deposit</em> where I signed up for started the first one was for XXXX and then every week after that they were for XXXX apiece. When I inquire about, I have not received my bonus because I clearly qualified for my bonus for my <em>direct</em> <em>deposit</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[19.975447,"19929423"]},{"_index":"complaint-public-v1","_id":"12757367","_score":19.928942,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Tuesday XX/XX/XXXX I applied for a loan. The loan company need my bank account information to deposit the money. The loan company was a scam and deposited money through stolen checks. My account was frozen on the early morning of Wednesday. I reached out to Truist bank to see what was going to happen. The fraud department told me that I could not use the account until an investigation was done. I asked if my account would still receive direct deposit. The fraud department told me know, the account could not receive the funds. On Friday XX/XX/XXXX, the direct deposit went through and my paycheck was deposited into the frozen account. I went the following morning to my local branch to try and pull out the money. The branch supervisor told me they could not. She then reached out to the fraud department told see if the freeze could be lifted and my funds taken out. The XXXX department declined and said to wait until Tuesday XX/XX/XXXX when the investigation was completed. I called and the fraud department told me the investigation was still not completed and to wait until the following day to receive an email on what would happen to my funds. I have an external account that they declined to send the money to and was told the funds might be sent through the mail.","date_sent_to_company":"2025-04-01T22:17:09.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32714","tags":null,"has_narrative":true,"complaint_id":"12757367","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-04-01T21:42:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The loan company need my bank <em>account</em> information to <em>deposit</em> the <em>money</em>. The loan company was a scam and <em>deposited</em> <em>money</em> through stolen checks. My <em>account</em> was frozen on the early morning of Wednesday. I reached out to Truist bank to see what was going to happen. The <em>fraud</em> department told me that I could not use the <em>account</em> until an investigation was done. I asked if my <em>account</em> would still receive <em>direct</em> <em>deposit</em>. The <em>fraud</em> department told me know, the <em>account</em> could not receive the funds."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[19.928942,"12757367"]},{"_index":"complaint-public-v1","_id":"3812561","_score":19.811953,"_source":{"product":"Checking or savings account","complaint_what_happened":"We bank with SunTrust. recently there was fraud in our account. two large deposits showed up and the money was moved around within our 3 accounts, and then sent out of our account, all without our knowledge. This morning we learned the bank subsequently declared the deposits to be suspect and froze our accounts containing all of our money. My payroll was direct-deposited today, and they are refusing me access to it as well. I have talked with their fraud people and the are unwilling to release my payroll funds. Unfortunately it is too late for my employer to cancel the direct deposit transaction. I can understand shutting down the accounts, but my payroll has nothing to do with fraudulent deposits made into my account by someone else. SunTrust is refusing to release these funds, even into a new account. We desperately need help as this has created a dire situation. Thank you.","date_sent_to_company":"2020-08-25T17:53:57.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30052","tags":"Older American","has_narrative":true,"complaint_id":"3812561","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2020-08-25T17:48:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["We bank with SunTrust. recently there was <em>fraud</em> in our <em>account</em>. two large <em>deposits</em> showed up and the <em>money</em> was moved around within our 3 <em>accounts</em>, and then sent out of our <em>account</em>, all without our knowledge. This morning we learned the bank subsequently declared the <em>deposits</em> to be suspect and froze our <em>accounts</em> containing all of our <em>money</em>. My payroll was <em>direct</em>-<em>deposited</em> today, and they are refusing me access to it as well."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[19.811953,"3812561"]},{"_index":"complaint-public-v1","_id":"4759504","_score":19.777765,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/2021, more than 5 claim reversals were filed against my knowledge and authority in my Chase checking account. This led to inaccurate balance. A month later, Chase started deducting automatically from my monthly direct deposits to reverse the unauthorized claims made worth $ XXXX which leads me solely responsible with the fraud and short on my rent housing money. XXXX at the local branch in XXXX XXXX XXXX way shopping mall insists on closing my account against me permission which would lead to limited use of my money and hindering my withdrawals of my monthly direct deposits. XXXX says and reassures me on the phone they will no longer tamper and touch my direct deposits. But I just checked my account and its negative balance is continuing to rise in amount due to the claim reversal fraud activity. I'm very angry at the inside fraud and incompetencies of the JP MORGAN CHASE BANKERS and their inability to bottom line resolve the problem in a timely manner. Please assist the community like myself in this big money laundering problem!!!","date_sent_to_company":"2021-09-28T09:25:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94591","tags":null,"has_narrative":true,"complaint_id":"4759504","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-09-28T09:03:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["XXXX at the local branch in XXXX XXXX XXXX way shopping mall insists on closing my <em>account</em> against me permission which would lead to limited use of my <em>money</em> and hindering my withdrawals of my monthly <em>direct</em> <em>deposits</em>. XXXX says and reassures me on the phone they will no longer tamper and touch my <em>direct</em> <em>deposits</em>. But I just checked my <em>account</em> and its negative balance is continuing to rise in amount due to the claim reversal <em>fraud</em> activity."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[19.777765,"4759504"]},{"_index":"complaint-public-v1","_id":"3997361","_score":19.731808,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I opened a account with Chime bank & set up direct deposit from my unemployment account. The next day after my direct deposit was applied to my account chime closed my account and said was closed and they told me that I could not get my money back because of fraud I committed on the account. Which is not true everything matched name, ss #, and unemployment benefits. They closed my account to steal my money.","date_sent_to_company":"2020-12-08T15:55:15.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3997361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2020-12-08T15:42:44.000Z","state":"AL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I opened a <em>account</em> with Chime bank & set up <em>direct</em> <em>deposit</em> from my unemployment <em>account</em>. The next day after my <em>direct</em> <em>deposit</em> was applied to my <em>account</em> chime closed my <em>account</em> and said was closed and they told me that I could not get my <em>money</em> back because of <em>fraud</em> I committed on the <em>account</em>. Which is not true everything matched name, ss #, and unemployment benefits. They closed my <em>account</em> to steal my <em>money</em>."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"issue":["<em>Fraud</em> or scam"]},"sort":[19.731808,"3997361"]},{"_index":"complaint-public-v1","_id":"2732874","_score":19.708572,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX, XXXX, I took out {$250.00} from the ATM using my debit card. After taking that amount out of my account, my available balance ended up being {$1.00}. My bank card was stolen and I reported it to the bank. Once I reported to the bank there were already transactions on my account. There was an online deposit of {$1900.00} from XXXX in XXXX on XXXX XXXX that I did not make. The bank then told me to call the hotline and I spoke to the fraud team and filed claims and faxed all the information they needed to them. While the claim was still being researched, I was paid direct deposit from my job of {$570.00} on XXXX XXXX which I was unable to use since my account was on hold. On XXXX XXXX, there was a reversal sent to my account and the bank sent a letter in the mail letting me know they were giving me a temporary credit of {$1900.00} while they researched the funds and that I could use the temporary funds until they decided if the charges were correct. On XXXX XXXX, I was paid direct deposit again of {$470.00}. Both of my direct deposit payments together was {$1000.00} which was all I wanted. I did not use the temporary credit they gave me, only the money that was mine in order to pay my bills. Once the claim was researched, Chase denied my claim of the transactions being fraud and informed me that I was denied for accessing my account while the research was still in progress even though I was only accessing my account to be able to calculate my money only from my earnings. Therefore, on XXXX XXXX they reversed the credit and my balance became XXXX. Before this was reversed, I had {$7.00} left and my account balance was XXXX. I asked them to close my account since my direct deposit was still attached to this account and they told me they could only restrict my account and it would be closed within 10 days but the account allowed direct deposit and automatic payments but prevented withdrawing or depositing money. I informed my job, XXXX, what was going on and asked them to stop my direct deposit and I was told they would change my payment to a pay card instead of in my bank which they did not. On XXXX XXXX, my direct deposit of {$560.00} hit my account and made the balance - {$1400.00}. Since my account was restricted, the banker said at branch level, she was unable to separate my direct deposit from the other transactions then advised me to call customer service. Customer service send me to speak to the claims department, the claims department sent me to the fraud team, and no one was able to help. 10  days passed by and I went to the bank and I was told that my account did not close like it was supposed to die to a glitch in the system, which caused my direct deposit on XXXX XXXX, of {$290.00} to go into my account, making the present balance of - {$1100.00}. My job did not stop my direct deposit after letting me know they would. My job told me that they would not be able to get my money to a new account unless the bank sends money back. The bank says the can not send any money back since my account is restricted. Now all of my money has gone into this account and I was told it can not be taken out.","date_sent_to_company":"2017-11-17T17:23:59.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"46224","tags":null,"has_narrative":true,"complaint_id":"2732874","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-11-17T16:11:53.000Z","state":"IN","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I asked them to close my <em>account</em> since my <em>direct</em> <em>deposit</em> was still attached to this <em>account</em> and they told me they could only restrict my <em>account</em> and it would be closed within 10 days but the <em>account</em> allowed <em>direct</em> <em>deposit</em> and automatic payments but prevented withdrawing or <em>depositing</em> <em>money</em>. I informed my job, XXXX, what was going on and asked them to stop my <em>direct</em> <em>deposit</em> and I was told they would change my payment to a pay card instead of in my bank which they did not."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[19.708572,"2732874"]},{"_index":"complaint-public-v1","_id":"7194137","_score":19.611559,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a Citibank account in XXXX XXXX I enrolled into direct deposit and the day my XXXX direct deposit hit in XX/XX/2023 my account was randomly closed due to fraud I called and they said a letter was sent, never received a letter to resolve issue. Now my money is stuck in the wind","date_sent_to_company":"2023-06-29T16:35:18.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"10467","tags":null,"has_narrative":true,"complaint_id":"7194137","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-06-29T16:29:20.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I opened a Citibank <em>account</em> in XXXX XXXX I enrolled into <em>direct</em> <em>deposit</em> and the day my XXXX <em>direct</em> <em>deposit</em> hit in XX/XX/2023 my <em>account</em> was randomly closed due to <em>fraud</em> I called and they said a letter was sent, never received a letter to resolve issue. Now my <em>money</em> is stuck in the wind"],"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":[19.611559,"7194137"]},{"_index":"complaint-public-v1","_id":"5491468","_score":19.57665,"_source":{"product":"Checking or savings account","complaint_what_happened":"I reported fraud charges to Bank of America and initially the funds were credited back to my account but then they reversed the charges and left my account in the negative. They also closed my account without discussing it with me. I have explained to Bank of America what happened with my debit cards being stolen and someone charging thingsw to my account without my consent. They advertise ZERO fraud liability but they definitely made me liable for these charges. I no longer have access to the account and can not access direct deposits being sent to the account. I can't stop the direct deposit because it's coming from the IRS. I would like the fraud claims to be handled, the negative balance to be removed and money placed back in my account, and I would like to be able to access the account to receive my direct deposit.","date_sent_to_company":"2022-04-25T14:44:22.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"75701","tags":null,"has_narrative":true,"complaint_id":"5491468","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-04-25T14:38:07.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I no longer have access to the <em>account</em> and can not access <em>direct</em> <em>deposits</em> being sent to the <em>account</em>. I can't stop the <em>direct</em> <em>deposit</em> because it's coming from the IRS. I would like the <em>fraud</em> claims to be handled, the negative balance to be removed and <em>money</em> placed back in my <em>account</em>, and I would like to be able to access the <em>account</em> to receive my <em>direct</em> <em>deposit</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":[19.57665,"5491468"]},{"_index":"complaint-public-v1","_id":"21401149","_score":19.5565,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened my Bank of America XXXX XXXX Banking XXXX account online on XX/XX/year> with {$500.00} bonus cash offer if I make {$10000.00} of direct deposits within 90 days. I immediately switched my employer direct deposit to go into this account. I also went into the branch to get my debit card. On XX/XX/year>, I deposited {$10.00}. On XX/XX/year>, I transferred {$5000.00} of my own money from my XXXX XXXX  account. On XX/XX/year>, my account was put under a fraud review and restricted any money from coming out ( only credits allowed ), but I was not told this at all. I only found out about this later when I called them. I continued to make deposits without knowing I would not be able to take money out at all. On XX/XX/year>, I made another deposit from my XXXX XXXX  account of {$5000.00}. Then, on XX/XX/year> and XX/XX/year>, I received my direct deposits from my employer. I only realized my account was under review when I attempted to transfer funds out of the account and it failed. On XX/XX/year>, I called Bank of America and was transferred at least 4-5 times over XXXX minutes to finally get to the correct fraud department. They told me they can not tell me why it was put under review or how long it would take to resolve or any case number so I can have a paper trail. They just told me to wait and to call them back for updates. I told them I have my direct deposits there and I need the money. I even spoke to a supervisor who told me the same thing. They would not tell me any information whatsoever and I am stuck without any access to my money or any reason as to why I can not receive it. I waited about a week and called again today, XX/XX/year>, and they told me the same thing. No information about why it was put under review, how long it would take, or a case number I can follow up on. I am not committing fraud. The deposits I made was from my own bank account and direct deposits are from my employer.","date_sent_to_company":"2026-04-20T15:41:30.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"21401149","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-20T15:08:10.000Z","state":"NJ","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":["The <em>deposits</em> I made was from my own bank <em>account</em> and <em>direct</em> <em>deposits</em> are from my employer."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[19.5565,"21401149"]},{"_index":"complaint-public-v1","_id":"13405994","_score":19.528526,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX, XXXX XXXX direct deposited {$230.00} into account I opened with 5/3 Bank, they put account on hold and closed account but kept my direct deposit and haven't returned it to me nor XXXX XXXX... They have STOLEN my money and kept it telling me I have to call fraud dept if I go in person and if I go in person they tell me I have to call fraud department.... The last time I tried going in person after calling fraud department the banker told me that they sent it as a check to the address on my ID, this was XXXX weeks ago and it hasn't arrived at my address.... This fraud committed by Fifth Third Bank has cost me thousands of dollars not to mention stress and TONS of extra UNPAID work to deal with consequences of having {$0.00} because unethical bank STOLE MY DIRECT DEPOSIT and REFUSE TO GIVE IT BACK TO ME NOR THE COMPANY THAT DEPOSITED IT FOR ME!!!","date_sent_to_company":"2025-05-08T20:10:43.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"30013","tags":null,"has_narrative":true,"complaint_id":"13405994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-05-08T19:36:54.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["XX/XX/XXXX, XXXX XXXX <em>direct</em> <em>deposited</em> {$230.00} into <em>account</em> I opened with 5/3 Bank, they put <em>account</em> on hold and closed <em>account</em> but kept my <em>direct</em> <em>deposit</em> and haven't returned it to me nor XXXX XXXX... They have STOLEN my <em>money</em> and kept it telling me I have to call <em>fraud</em> dept if I go in person and if I go in person they tell me I have to call <em>fraud</em> department...."],"product":["Checking or savings <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[19.528526,"13405994"]},{"_index":"complaint-public-v1","_id":"6377062","_score":19.22705,"_source":{"product":"Checking or savings account","complaint_what_happened":"My name is XXXX XXXX XXXX, an United States XXXX XXXX, XXXX American Veteran, Social Security Number : XXXX XXXX XXXX. \nMy Problem is with my Financial Institution, which is Called \" Chime '' Chime give 's the Direct Deposit Early, or as soon as they get the Direct Deposit, from the Dept of Veteran 's, via the United States Treasury, that they Promote or Advertise this Policy, that they instantly Put this into your Chime Checking Account. \nWhen I didn't get my Direct Deposit, on XX/XX/XXXX, I Called the XXXX XXXX XXXX XXXX Number, which is the Dept of Veteran 's Affair 's, and they gave me the Payment ID # XXXX and told me that, they Sent XXXX Dollar 's to Chime on XX/XX/2022. \nThe Dept of Veteran 's Affair 's also told me to Call Chime and give them the Payment ID # XXXX and they said that Chime has to give me, the Payment Date, with this Payment ID Number XXXX and when I called Chime they refused to give me a Payment Date and the Woman XXXX said, that she dose n't know why Chime is not Witholding my Direct Deposit. \nNow it's XX/XX/XXXX, and I still don't have my Money. \nChime, is in Fraud and Perjury, because they advertise, that they Put the Direct Deposit into your Account as soon as they get it, which is a Lie of Perjury and Intentional Deception or Fraud. \nChime, is holding the Money to get Interest Of the Money. \nIf I don't get paid by Tomorrow, I can't Pay my Rent and I will be on the Street.","date_sent_to_company":"2022-12-29T08:41:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"18104","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"6377062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-12-29T07:55:43.000Z","state":"PA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Chime, is in <em>Fraud</em> and Perjury, because they advertise, that they Put the <em>Direct</em> <em>Deposit</em> into your <em>Account</em> as soon as they get it, which is a Lie of Perjury and Intentional Deception or <em>Fraud</em>. \nChime, is holding the <em>Money</em> to get Interest Of the <em>Money</em>. \nIf I don't get paid by Tomorrow, I can't Pay my Rent and I will be on the Street."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[19.22705,"6377062"]},{"_index":"complaint-public-v1","_id":"7352749","_score":19.18648,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I received an XXXX payment through Bank of America of {$3100.00} and the funds were immediately transferred to another account via direct deposit. I didn't set up direct deposit, and called B of A to clarify. This transaction was sent to an unknown individual, and B of A refused to refund the money during the fraud investigation. The frauf investigation was denied three times with only a letter in the mail with the fraud preparator 's email address. I've yet to get an explanation for the criminal and fraudulent transfer.","date_sent_to_company":"2023-08-04T21:23:20.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"92647","tags":null,"has_narrative":true,"complaint_id":"7352749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-08-04T21:02:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I received an XXXX payment through Bank of America of {$3100.00} and the funds were immediately transferred to another <em>account</em> via <em>direct</em> <em>deposit</em>. I didn't set up <em>direct</em> <em>deposit</em>, and called B of A to clarify. This transaction was sent to an unknown individual, and B of A refused to refund the <em>money</em> during the <em>fraud</em> investigation. The frauf investigation was denied three times with only a letter in the mail with the <em>fraud</em> preparator 's email address."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"issue":["<em>Fraud</em> or scam"]},"sort":[19.18648,"7352749"]},{"_index":"complaint-public-v1","_id":"9502558","_score":19.145138,"_source":{"product":"Checking or savings account","complaint_what_happened":"A money network account was created by my employer to facilitate direct deposits. The account had only received direct deposits and no other transactions UNTIL I withdrew from an ATM at XXXXXXXX XXXX on XX/XX/year>. From then, no other transactions were made/authorized by me. On XX/XX/year>, I decided to check if my direct deposit was processed. To my surprise several unauthorized transactions posted to my account. Immediately called to notify money network and they stated I need to fill out a dispute form. The dispute form arrived ( no information of my rights were attached ) and I emailed it back with an explanation on XX/XX/year>. This falls with in a XXXX business day period required for a provisional credit. I have been calling twice a week and now they request additional information but fail to tell me what information they seek. I never lost my card, I was never notified or received fraud alerts. There isnt much more explanation available as it is a new account. I am always directed to a third party customer service company and can never speak directly with a money network dispute/fraud department agent nor can the representatives connect me nor can I find the info online.","date_sent_to_company":"2024-07-12T23:38:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92571","tags":null,"has_narrative":true,"complaint_id":"9502558","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2024-07-12T22:31:06.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["A <em>money</em> network <em>account</em> was created by my employer to facilitate <em>direct</em> <em>deposits</em>. The <em>account</em> had only received <em>direct</em> <em>deposits</em> and no other transactions UNTIL I withdrew from an ATM at XXXXXXXX XXXX on XX/XX/year>. From then, no other transactions were made/authorized by me. On XX/XX/year>, I decided to check if my <em>direct</em> <em>deposit</em> was processed. To my surprise several unauthorized transactions posted to my <em>account</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[19.145138,"9502558"]},{"_index":"complaint-public-v1","_id":"12864124","_score":19.038021,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am trying to report a chase checking account used in fraudulent activity. I was trying to rent a house which I thought was legitimate even going through the direct landlord. Well com to find out this was a rental fraud account the end up taking my hard earned money. I was directed to deposit money order in the account for my deposit and first and last months rent. However I never received the keys to the property and it stayed up on the rental site as for rent. I have stopped payment on the money orders but I need for someone to closed this account. Chase checking account XXXX XXXXXXXX XXXX XXXX Routing : XXXX.","date_sent_to_company":"2025-04-07T13:32:27.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"77338","tags":null,"has_narrative":true,"complaint_id":"12864124","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-04-07T13:15:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am trying to report a chase checking <em>account</em> used in fraudulent activity. I was trying to rent a house which I thought was legitimate even going through the <em>direct</em> landlord. Well com to find out this was a rental <em>fraud</em> <em>account</em> the end up taking my hard earned <em>money</em>. I was <em>directed</em> to <em>deposit</em> <em>money</em> order in the <em>account</em> for my <em>deposit</em> and first and last months rent. However I never received the keys to the property and it stayed up on the rental site as for rent."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[19.038021,"12864124"]},{"_index":"complaint-public-v1","_id":"3162580","_score":18.994625,"_source":{"product":"Checking or savings account","complaint_what_happened":"Went to bank of America to close an account that merchants had been withdrawing unauthorized funds. Opened new account with same bank. Changed my direct deposit with employer. Tried to access the new account and was redirected to fraud dept. The told me that all accounts with them had been closed. Today is payday I go to the bank and they refuse me my money and any access to my money that was sent to them via direct deposit. If the account was closed they should have sent payroll back to my company. I have Bill 's that need to be paid today. Light phone and car.","date_sent_to_company":"2019-02-25T17:06:30.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30080","tags":null,"has_narrative":true,"complaint_id":"3162580","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-02-25T16:56:15.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Went to bank of America to close an <em>account</em> that merchants had been withdrawing unauthorized funds. Opened new <em>account</em> with same bank. Changed my <em>direct</em> <em>deposit</em> with employer. Tried to access the new <em>account</em> and was redirected to <em>fraud</em> dept. The told me that all <em>accounts</em> with them had been closed. Today is payday I go to the bank and they refuse me my <em>money</em> and any access to my <em>money</em> that was sent to them via <em>direct</em> <em>deposit</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":[18.994625,"3162580"]},{"_index":"complaint-public-v1","_id":"10432563","_score":18.977032,"_source":{"product":"Checking or savings account","complaint_what_happened":"This bank online mobile banking ghost account. Etc bill pay or XXXX  both establishes ghost account ran by online Bill pay or XXXX  employees to hold your money into it to pay your bills supposed at your request. I do not use this feature nor do others, however,. Unfortunately, PNC bank online banking and XXXX or XXXX employees as well as transactions via debit card department is taking my direct deposit funds as I apply and send to my account hacking into my account via an alert by watching when I login and literally pay my bills with my direct deposit to strangers, themselves and friends. I contacted occ which the case is still going, FDIC and antitrust and the bank is continuing the fraud. The fraud works like this. The direct deposit get released on Tuesday, but won't update until Wednesday into your bank account, bill pay or quicken must be online banking or mobile banking staffs or via debit card transactions put bills in on Tuesday while the direct deposit was released waiting .The direct deposit never hit your account on Wednesday. Because bill pay or quicken employees spent it.","date_sent_to_company":"2024-10-23T17:11:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"10432563","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2024-10-12T20:26:45.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["Unfortunately, PNC bank online banking and XXXX or XXXX employees as well as transactions via debit card department is taking my <em>direct</em> <em>deposit</em> funds as I apply and send to my <em>account</em> hacking into my <em>account</em> via an alert by watching when I login and literally pay my bills with my <em>direct</em> <em>deposit</em> to strangers, themselves and friends. I contacted occ which the case is still going, FDIC and antitrust and the bank is continuing the <em>fraud</em>. The <em>fraud</em> works like this."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[18.977032,"10432563"]},{"_index":"complaint-public-v1","_id":"2993493","_score":18.965254,"_source":{"product":"Checking or savings account","complaint_what_happened":"i had a rep call me and tell me that my account was being reviewed due to me reporting an atm fraud. i explained that i have never reported any kind of atm fraud. i have my debit card and there was nothing wrong with it. i have had direct deposit for over 3 years and when i called they said it was closed. the same day that i got my direct deposit. now there telling me i have to wait 60 days before i can get my money. so i have to wait 2 months before i can see my money. they wont even let me open a new account. not like i would want to after all of this","date_sent_to_company":"2018-08-16T16:23:06.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"85326","tags":null,"has_narrative":true,"complaint_id":"2993493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2018-08-16T16:16:16.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["i had a rep call me and tell me that my <em>account</em> was being reviewed due to me reporting an atm <em>fraud</em>. i explained that i have never reported any kind of atm <em>fraud</em>. i have my debit card and there was nothing wrong with it. i have had <em>direct</em> <em>deposit</em> for over 3 years and when i called they said it was closed. the same day that i got my <em>direct</em> <em>deposit</em>. now there telling me i have to wait 60 days before i can get my <em>money</em>. so i have to wait 2 months before i can see my <em>money</em>. they wont even let me open"],"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":[18.965254,"2993493"]},{"_index":"complaint-public-v1","_id":"8118378","_score":18.960938,"_source":{"product":"Checking or savings account","complaint_what_happened":"The title of this misconduct is : Direct Deposit Diversion Fraud. \n\nIn a nut shell, I gave the XXXX XXXX XXXX my direct deposit form, and the money continues to get diverted once it reaches my real account. And I continue to see my personal deposits. Below is what I recently emailed Law Enforcement : Back in XXXX, I found out I was missing out on checks being mailed to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the same time, several people were picking on my body daily. So, I called the XXXX XXXX XXXX  and told them I'm not the one cashing a penny. I'm the one going through bone and organ theft due to the fact that I'm not receiving the money. FXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX : XXXX. \nTime went on, nobody called me back and money kept getting stolen. Finally, I decided to email the XXXX XXXX XXXX my direct deposit form by XXXX XXXX XXXX  I asked them to please send \" all '' that money being disbursed under my social security number, XXXX  straight to my personal checking account because I'm still missing out on every penny. Well the disbursement kicked in XXXX XXXX XXXX {$6000.00}, and that's when Direct Deposit Diversion Fraud kicked in. I've missed out on every penny since XXXX of XXXX. \n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please have the Bank with XXXX XXXX XXXX recall every penny since XXXX of XXXX. The checks can also get recalled, but I'm filing this complaint on the Direct Deposit Forms. I've reached to XXXX XXXX XXXX XXXX  at least three times since the first Diversion Fraud. Then have them ensure I see every penny I missed out with all future deposits. \n\nThanks - XXXX XXXX XXXX XXXX : ( XXXX ) XXXX","date_sent_to_company":"2024-01-07T01:51:04.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8118378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-01-07T01:28:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Finally, I decided to email the XXXX XXXX XXXX my <em>direct</em> <em>deposit</em> form by XXXX XXXX XXXX  I asked them to please send \" all '' that <em>money</em> being disbursed under my social security number, XXXX  straight to my personal checking <em>account</em> because I'm still missing out on every penny. Well the disbursement kicked in XXXX XXXX XXXX {$6000.00}, and that's when <em>Direct</em> <em>Deposit</em> Diversion <em>Fraud</em> kicked in."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"]},"sort":[18.960938,"8118378"]},{"_index":"complaint-public-v1","_id":"11230882","_score":18.918896,"_source":{"product":"Checking or savings account","complaint_what_happened":"My account was closed XXXX weeks ago due to fraud detection by Bank of America. I received a letter in the mail stating that my account was officially closed and that I would no longer receive direct deposits. Any direct deposits would be blocked and sent back to my employer. I get paid weekly on Thursdays and was supposed to receive XXXX paychecks this XXXX, the XXXX, but I didnt receive them. \n\nDespite informing me that direct deposits would be blocked and returned, Bank of America is still receiving these deposits. Now, theyre saying that further direct deposits will extend the timeline for my accounts official closure, causing further delays in refunding my paychecks. \n\nBank of America refuses to comply with my requests to release the funds sent by my employer. Ive reached out multiple times, but I keep getting inconsistent information, which makes it even harder for me to recover my money","date_sent_to_company":"2024-12-20T20:45:17.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"90022","tags":null,"has_narrative":true,"complaint_id":"11230882","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-12-20T20:32:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["My <em>account</em> was closed XXXX weeks ago due to <em>fraud</em> detection by Bank of America. I received a letter in the mail stating that my <em>account</em> was officially closed and that I would no longer receive <em>direct</em> <em>deposits</em>. Any <em>direct</em> <em>deposits</em> would be blocked and sent back to my employer. I get paid weekly on Thursdays and was supposed to receive XXXX paychecks this XXXX, the XXXX, but I didnt receive them."],"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":[18.918896,"11230882"]},{"_index":"complaint-public-v1","_id":"9719212","_score":18.849623,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was banking with USAA. Last month in XXXX there was fraud on my account. The bank because of this has decided to close my account indefinitely. From my job I have my paychecks direct deposited. I had a check of XXXX direct deposited back on XX/XX/XXXX. I was advised at first that I would not receive these funds for another XXXX days. I quickly contacted my employer to have then stop the direct deposits immediately and to send a paper check until I can find another bank to bank with. They forgot to stop the direct deposit and USAA received another direct deposit last Thursday of XXXX. I contacted the bank and advised that my company will recall the payment so that it then could be mailed to me. The person I was speaking advised that they were still showing a pending status on the funds and recalling the check would be allowed and then a paper check will be able to be mailed to me. Fast forward to today I noticed that the check that was supposed to be recalled is still sitting in my bank account. I called Usaa and spoke to several people and they are all telling me that because my account has been closed they will not release that money back to my employer so that I can be paid. They again advised me that I will NOT receive any monies for another XXXX days. The account has been closed with money in the account and now with my money sitting in an account that can not be used all of my bills are going to be beyond late and I will encounter late fees. Hopefully someone will be able to help me get my money back. USAA XXXX of their employees even told me to seek help from the Government to pay my bills while my money sits in their establishment. \n\nThank You XXXX XXXX","date_sent_to_company":"2024-08-06T18:40:25.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"32164","tags":"Servicemember","has_narrative":true,"complaint_id":"9719212","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-08-06T18:15:05.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Last month in XXXX there was <em>fraud</em> on my <em>account</em>. The bank because of this has decided to close my <em>account</em> indefinitely. From my job I have my paychecks <em>direct</em> <em>deposited</em>. I had a check of XXXX <em>direct</em> <em>deposited</em> back on XX/XX/XXXX. I was advised at first that I would not receive these funds for another XXXX days. I quickly contacted my employer to have then stop the <em>direct</em> <em>deposits</em> immediately and to send a paper check until I can find another bank to bank with."],"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":[18.849623,"9719212"]},{"_index":"complaint-public-v1","_id":"3309776","_score":18.801228,"_source":{"product":"Checking or savings account","complaint_what_happened":"I signed up for MoneyLion 's promotional offer based on their Pave the Wage promotional campaign. The promotional offer was to receive 17 % of your direct deposit if you did the following : 1. Join MoneyLion 2. Set up a direct deposit of $ XXXX 3. Opt in to bonus 4.  Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) 5. Bonus you receive will be 17 % of your first direct deposit Right after opening the account I called up Moneylion and confirmed that all I needed to do was to wait for the bonus offer to show in the app and then opt in on the  mobile app to be eligible. I was able to do this a couple days after opening the account. Then I set up my direct deposit such that first deposit hit my MoneyLion account on XX/XX/2019. I continuously deposited the same amount ( or higher ) biweekly to meet the bonus requirements. \n\nAfter 90 days had passed I failed to see any bonus posted to my account. I called up MoneyLion and asked them what was the delay. Their response was I hadn't opted into the bonus offer as no email had been sent to my email account as is apparently customary. I mentioned I had followed their exact directions when I called them up when opening my account. There was no mention of a special confirmation email. Moneylion 's response was they wouldn't abide by the terms of the offer since no email existed.\n\nThis entire situation has been a scam. Moneylion heavily used gender equality to market their financial services and get lots of publicity. Then when the time comes to pay out they can renege on their offer saying there is some app or backend system issue and they don't have to abide by their contract. This is straight-up fraud. They may have pulled the same stunt on others as well.","date_sent_to_company":"2019-07-17T20:41:58.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"95128","tags":null,"has_narrative":true,"complaint_id":"3309776","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2019-07-17T20:00:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["I signed up for <em>Money</em>Lion 's promotional offer based on their Pave the Wage promotional campaign. The promotional offer was to receive 17 % of your <em>direct</em> <em>deposit</em> if you did the following : 1. Join <em>Money</em>Lion 2. Set up a <em>direct</em> <em>deposit</em> of $ XXXX 3. Opt in to bonus 4.  Maintain <em>direct</em> <em>deposit</em> for 90 days to get bonus ( this needs to be 90 % of your initial <em>direct</em> <em>deposit</em> ) 5."],"product":["Checking or savings <em>account</em>"],"issue":["Opening an <em>account</em>"],"company":["<em>Money</em>Lion Inc."],"sub_product":["Checking <em>account</em>"]},"sort":[18.801228,"3309776"]},{"_index":"complaint-public-v1","_id":"4248694","_score":18.670328,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2021, I received a direct deposit that I was expecting from a customer named XXXX XXXX from Fifth Third Bank to my XXXX XXXX checking account. The amount deposited by XXXX XXXX was XXXX -- the information regarding this direct deposit that appears on my XXXX XXXX accoun statement is : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX \n\nApproximately 10 days after the direct deposit was made, Fifth Third Bank recalled the direct deposit claiming is was a fradulent deposit. Someone had to fill out the paperwork for this direct deposit, and someone had to sign off on it to make sure the reciever 's bank acct. # and routing # were correct. THe fraud does not originate with me. \n\nAfter Fifth Third Bank notified XXXX XXXX, my account was frozen. At the time I had a little over XXXX of my money in the XXXX XXXX account. The money shows as available funds in my account but I can not access it. XXXX XXXX can not help me because the information they have on the sender is confidential. They suggested I call Fifth Third Bank and explain the issue to them. I provided the infomation regarding the direct deposit listed above, but Fifth Third Bank can not provide me with any information because it is confidential, nor can they follow up on the status of the bank 's investigation of the account holder with the information I provided. \n\nThis is literally all the money I have in the world. It came from an early withdrawal from my IRA. My XXXX XXXX XXXX daughter is in hospice care in the final stages of a terminal XXXX. A large portion of my money had been set aside for her funeral expenses. \nXXXX XXXX keeps extending the date they will close my acount because Fifth Third Bank has not ask for my money. The XXXX had already been used toward debt I have accured because I am not working so that I can care for my daughter in her final days or weeks. No one can provide me with a time table as to when this will be resolved. I am on the verge of bankruptcy. \n\nI did not commit any type of fraudulent act. If fraud has occured, it originates from Fifth Third Bank. They are rife with fradulent accounts that were set up by their banking associates. That should be their problem, but it has become mine. Can you help me? \n\nI have already left messages for the appropriate parties with the FDIC. \n\nMy name is XXXX XXXX my account number with XXXX XXXX is XXXX. \nMy phone number is XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. \n\nThank you in advance.","date_sent_to_company":"2021-03-30T21:22:57.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"33065","tags":null,"has_narrative":true,"complaint_id":"4248694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2021-03-26T18:31:18.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Someone had to fill out the paperwork for this <em>direct</em> <em>deposit</em>, and someone had to sign off on it to make sure the reciever 's bank acct. # and routing # were correct. THe <em>fraud</em> does not originate with me. \n\nAfter Fifth Third Bank notified XXXX XXXX, my <em>account</em> was frozen. At the time I had a little over XXXX of my <em>money</em> in the XXXX XXXX <em>account</em>. 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