{"took":166,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":132,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14859624","_score":25.092484,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, Chase closed my persona ; credit card accounts ending in XXXX and XXXX, as well as my personal checking account ending in XXXX and my business checking account ending in XXXX. I received a physical letter from Chase several weeks ago vaguely citing risk as the reason for the closures, with no specific details about the activities that prompted this action. I also waited for this closure in order to appeal, and these closures occurred today. I believe Chases concern relates to valid XXXX transactions related to my credit cards, specifically \" Owner 's Investment Reimbursements '' related to my business. These one-time reimbursements were previously paid off, are currently ( and were previously ) reported to the IRS for tax purposes, and are not ongoing, posing no future concern nor risk. \n\nAs a loyal customer with over 15 years of tenure with Chase, I am troubled by the lack of transparency and opportunity to address this issue. I am happy to provide my business ' XXXX tax return, no future charges from XXXX ( as a whole ), and an immediate full payment on both credit cards to further prove there is no risk to Chase whatsoever. If there is anything additional I can provide, I'd be happy to right away. \n\nI contacted Chase 's XXXX XXXX XXXX on XX/XX/XXXX to inquire about the closures and explore appeal options, but was informed the decision was final with no appeal process available. This violates my rights as a consumer to understand and contest adverse actions. Under the Truth in Lending Act ( TILA ), 15 U.S.C. 1666i, and Regulation Z, 12 C.F.R. 226.13, creditors must provide specific reasons for adverse actions on credit accounts. The Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( d ), requires a clear statement of reasons, which Chases vague risk explanation by mail fails to satisfy. For checking accounts, the Consumer Financial Protection Bureaus authority under the Dodd-Frank Act, 12 U.S.C. 5511, emphasizes fair and transparent banking practices, which Chase has not upheld. \n\nAs mentioned but to reinforce ( if this is the source of the closures ), the XXXX transactions mentioned previously were legitimate, business-related, and fully compliant with IRS reporting requirements. Given my long-standing relationship with Chase, their failure to allow me to explain or correct any perceived risk is unjust. The closures have caused significant inconvenience, including loss of access to funds and credit, potential credit score damage, and disruption of my business and personal finances.","date_sent_to_company":"2025-07-24T21:39:43.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"60532","tags":null,"has_narrative":true,"complaint_id":"14859624","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-24T21:17:01.000Z","state":"IL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, Chase closed my persona ; credit card accounts ending in XXXX and XXXX, as well as my <em>personal</em> <em>checking</em> account ending in XXXX and my <em>business</em> <em>checking</em> account ending in XXXX. I received a physical letter from Chase several weeks ago vaguely citing <em>risk</em> as the reason for the <em>closures</em>, with no specific details about the activities that prompted this action. I also waited for this <em>closure</em> in order to appeal, and these <em>closures</em> occurred today."]},"sort":[25.092484,"14859624"]},{"_index":"complaint-public-v1","_id":"2471920","_score":24.41876,"_source":{"product":"Checking or savings account","complaint_what_happened":"My husband and I opened our personal checking and savings account with Bank of America on  XXXX   XXXX ,  XXXX  and our business checking and savings account on  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , around  XXXX , logged into our personal account. Noticed that in our personal account there was a debit of {$880000.00} coming out of our account. I also attempted to log in to our business account, but was unable to log in. In my attempt to log in was given an error message of No match found. Please create a n ew Online ID and Passcode. We  had previously set up online banking, so this was a surprise to us. I immediately called the banks customer service center, asked about the debit amount coming out of our account and was told that the debit was put there by Bank of America as a way of stopping any further activity. I was then directed to contact th e Risk Closure  Department. Contacted them, was asked to provide my social security number and my Drivers License Number in order to locate my account and for verification purposes. Was told by a Risk Customer Service Representative that my account was under review and was most likely going to be closed. When I asked for the reason behind the closure, was only given the reason that it was a business decision and that we didnt adhere to the provisions of t he Deposit Agreement and   Disclosures and that at any time the owner of the account or the bank had the option to close the account without giving any reason for closure. I asked for more clarification of the closer and was told again that it was a business decision and was not able to give me any more information. Later, went home and rea d the Deposit Agreement and Disclosure again and  was unable to locate or determine any reason behind what was not adhered to within this agreement/disclosure.     On  XXXX   XXXX ,  XXXX  around  XXXX , contacted t he Risk Closure Depar tment to obtain more information on our accounts and if they were going to be closed. In talking to the representative I was under the impression that I was discussing our personal and business accounts. Was told the closure was still under review and that there wasnt much else that could be done at this time. Furthermore, explained that we are a small business starting out and that we are only able to keep money in our account for a short time since we are trying to build our business by buying more products for resale. We dont have the capacity to keep money in our account for a lengthy amount of time. The nature of our business is that we buy our items from auction. At times we find good deals at the last moment, bid on the item, win the auction and make the purchase. We have a short turnaround time to make a payment. We are not like other businesses that purchase product and have 30 days to make a payment. For example there was a cash deposit in to our account and within that same banking day we sent a wire to a company by the name of  XXXX   XXXX , which also has an account with Bank of America, to purchase products that we had won on the auction. We have copies of the receipts for the items we purchased through the auction. If this documentation is needed to assist in this matter, we would be more than happy to provide them to you.     On  XXXX   XXXX ,  XXXX  around  XXXX , contacted t he Risk Closure D epartment and was told that there was no risk closure attached to my social security number. I was under the impression that our personal accounts were not going to be closed.     On  XXXX   XXXX ,  XXXX  around  XXXX , visited the local branch to see if our personal account was still open as well as the business account. I was told that the accounts were still under review, but were not closed. I again, still thought the accounts were going to be okay. After leaving the branch, I went to the ATM machine to withdrawal money and my card had been inactivated. Went back in to the branch and spoke with another representative. This individual noticed the pending risk closure and went to another branch employee to discuss. I was told they were trying to contact the Risk Closure Department to see if I could make a withdrawal and I was told that this department had already closed for the day, this was around  XXXX . This department closes at  XXXX  local time.     On  XXXX   XXXX ,  XXXX  around  XXXX , contacted the  Risk Closure Dep artment to obtain clarification on whether our accounts were actually going to be closed. Was told that they were in fact going to be closed. I again asked for the reason behind the account closure and was given the same response as I received on  XXXX   XXXX ,  XXXX . I was still unable to receive a legitimate detailed reason for the closure. I explained to the representative that if the bank is going to provide the reason for closure of being that the customer didnt adhere to th e Deposit Agreement and Disclosure, that  they should be able to give a specific reason and page number within the agreement/disclosure that was not followed.     We strongly believe that that my spouse 's national origin, owner of the business, might have played a part in their decision to close our accounts. We did not receive an unbiased risk evaluation from Bank of America, due to his national origin. Bank of America was fully aware that the owner of the business had traveled and conducted routine business in  XXXX , which is his national origin.     During this time of not being able to use our accounts, we have suffered operational losses and opportunity costs of not being able to engage in normal planned business activity. This has put an undue stress on the business of not being able to purchase products. This has also put an undue amount of stress on our family, with young children, by not having access to our funds. I have also had to take time off of work to deal with this situation.","date_sent_to_company":"2017-05-01T17:59:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95610","tags":null,"has_narrative":true,"complaint_id":"2471920","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-05-01T17:22:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["My husband and I opened our <em>personal</em> <em>checking</em> and savings account with Bank of America on  XXXX   XXXX ,  XXXX  and our <em>business</em> <em>checking</em> and savings account on  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , around  XXXX , logged into our <em>personal</em> account. Noticed that in our <em>personal</em> account there was a debit of {$880000.00} coming out of our account. I also attempted to log in to our <em>business</em> account, but was unable to log in."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[24.41876,"2471920"]},{"_index":"complaint-public-v1","_id":"18161788","_score":23.719759,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, JPMorgan Chase closed my entire banking relationship after more than XXXX years as a customer in good standing. \n\nApproximately XXXX weeks prior to XX/XX/year>, I received notice that my accounts would be closed on that date. However, the notice did not provide any explanation or reason for the closures and did not request any information, documentation, or verification from me. \n\nThe closures included multiple long-standing personal credit cards, business credit cards, a personal checking account, and business checking accounts that had been active and used regularly for years. \n\nAt no point before or after receiving the closure notice was I contacted for a financial review or given an opportunity to address any concern. I was not informed of any alleged issue, risk, or policy violation, and I had no history of missed payments, delinquencies, or known adverse activity communicated to me. \n\nAfter the closures, I contacted Chase and escalated the matter. The representative handling the escalation stated that Chase has the right to close accounts at any time for any reason and declined to provide any explanation or written documentation for the decision. I was not offered any path to resolution or mitigation. \n\nThe sudden closure of multiple long standing personal credit cards creates significant consumer harm by reducing available credit and increasing utilization, despite years of responsible account management. I would have fully cooperated with any review or request had XXXX been made, but none occurred.","date_sent_to_company":"2025-12-19T01:58:00.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"33183","tags":null,"has_narrative":true,"complaint_id":"18161788","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-12-19T01:52:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["However, the notice did not provide any explanation or reason for the <em>closures</em> and did not request any information, documentation, or verification from me. \n\nThe <em>closures</em> included multiple long-standing <em>personal</em> credit cards, <em>business</em> credit cards, a <em>personal</em> <em>checking</em> account, and <em>business</em> <em>checking</em> accounts that had been active and used regularly for years."]},"sort":[23.719759,"18161788"]},{"_index":"complaint-public-v1","_id":"6284197","_score":23.647936,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2022 I escalated an issue for filed disputes with my business and personal checking accounts after which I received new debit cards. I have had to file several disputes this year with PNC. A branch representative informed me that there were active debit cards associated with my checking accounts which PNC mailed out after my past disputes were filed we confirmed I never had these cards in my possession. We came to the conclusion that these active cards easily left my accounts/information vulnerable to fraud, and the branch representative deactivated those cards. The most recent dispute for the personal checking account was never resolved, and I received notice that PNC would be closing the account along with the reserve and savings account associated with this checking account in the PNC virtual wallet. The reason for closure is simply PNCs right to review their relationship and make decisions. As discussed, the closure was triggered due to multiple disputes on the accounts. This is unfair, because my accounts/information were compromised for months without and resolution until a branch representative closed the active cards PNC claims to have sent in the mail. Had they been closed already, I would have maintained a relationship with little to no disputes. PNC claims that my business account may be at risk of closure as well.","date_sent_to_company":"2022-12-06T15:30:52.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6284197","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2022-12-06T15:15:04.000Z","state":"OH","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["PNC claims that my <em>business</em> account may be at <em>risk</em> of <em>closure</em> as well."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[23.647936,"6284197"]},{"_index":"complaint-public-v1","_id":"3434559","_score":23.4182,"_source":{"product":"Checking or savings account","complaint_what_happened":"We had a business checking account ( Acct # XXXX ) with Bank of America to accept payments from our customers for advertisement services. On XX/XX/2019, we had a returned check of {$300.00} ( Check # XXXX, please see attachment for check image ) from XXXX XXXX XXXX. On XX/XX/2019, we found out that our business bank account was locked. After visiting the bank on the same day, we were told the account was under force closure due to a counterfeit check deposited, which is the one mentioned above, the returned check numbered XXXX from XXXX XXXX. It's being handled by the Risk Department and they would not allow us to dispute or close our account before they close it and they were rude on the phone to the banker who was helping us to get more information on this matter. \n\nWe also contacted our customer, check writer, to find out what really happened as to if it is really a counterfeit check?? And here 's what happened : The customer who wrote that {$300.00} check contacted his bank ( XXXX XXXX ) to stop the check because he didn't see his ad on the website the same day he paid, so he thought his ad was not on. Ads are posted one or two days after the ad fee is paid. So he called XXXX XXXX XXXX  to refuse payment without asking us first. The customer stated that a XXXX XXXX representative suggested to him ( over the phone ) to close the current checking account and open a new one, so the check # XXXX  will not get cashed. Therefore, the customer closed his XXXX XXXX checking account associated with check # XXXX. And that was the reason why that check bounced. Our Bank of America business checking account didn't show any problems until XXXX. Bank of America made the decision to close our business account without any type of notification to us, no email, no mail, no phone calls, no text messages, no In-App message, simply ZERO communication and notification. We must make it clear that the check # XXXX   from XXXX XXXX was NOT a counterfeit check, that check is genuine, it belongs to the customer ( XXXX XXXX ) and his mother ( XXXX XXXX ). It was written from the joint XXXX XXXX checking account in both their names. Please note, XXXX XXXX is our customer and owner of the business paying for advertising. The customer XXXX has said that he can talk to Risk Department of Bank of America to explain the situation, but Bank of America Risk Department would not give us any chance to explain. The banker at the local BofA branch told us, once the Risk Department made the decision to close someone's account, no one can do anything, their Risk Department is above all. The banker also said she has lost many customers due to this kind of force closure by their Risk Department with no warning to the customer. \n\nFurthermore, my personal Bank of America checking account also got force closed by the Risk Department on Friday, XX/XX/2019, it's really hilarious that my personal checking account is newly opened on Tuesday, XX/XX/2019, and there is no activity yet. I opened the personal checking account with Bank of America only for our customers ' convenience, otherwise, I would never want to open any account with Bank of America in the future. This bank is really using abusive and unfair business practices inconsistent with the American way of business and I am sure inconsistent with the principles of CFPB. \n\nBank of America made an INCORRECT conclusion/decision after two months of investigation, that is so not professional, and we do not accept this unfair outcome. Bank of America lets a {$300.00} check ruin my and my companys credit, is this how they treat the consumers?","date_sent_to_company":"2019-11-10T06:20:24.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"91765","tags":"Servicemember","has_narrative":true,"complaint_id":"3434559","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-11-10T03:35:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The banker also said she has lost many customers due to this kind of force <em>closure</em> by their <em>Risk</em> Department with no warning to the customer. \n\nFurthermore, my <em>personal</em> Bank of America <em>checking</em> account also got force closed by the <em>Risk</em> Department on Friday, XX/XX/2019, it's really hilarious that my <em>personal</em> <em>checking</em> account is newly opened on Tuesday, XX/XX/2019, and there is no activity yet."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[23.4182,"3434559"]},{"_index":"complaint-public-v1","_id":"21125509","_score":22.673687,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Bank of America regarding the closure of my personal and business accounts and the withholding of my funds. \n\nOn or about XXXX/2026, I was informed that my accounts would be closed due to risk, and that I would not have access to my remaining funds until XX/XX/XXXX. I was not provided a clear explanation for the closure or the extended delay in releasing my money. \n\nAt the time of closure, Bank of America is holding my payroll direct deposit in the amount of {$1000.00}, as well as a remaining balance of {$83.00} in my business account. \n\nThese funds are from legitimate income and are needed for essential living expenses. The delay in access is causing financial hardship, and I have not been offered a reasonable option to access my money sooner. \n\nI have requested an expedited release of my funds, but no resolution has been provided. \n\nI am requesting immediate access to my funds, either through an in-branch withdrawal, cashiers check, or expedited disbursement well before XX/XX/XXXX. \n\nI also request a clear explanation for the account closure and justification for the delay in releasing my funds.","date_sent_to_company":"2026-04-10T12:37:28.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"02740","tags":null,"has_narrative":true,"complaint_id":"21125509","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-10T12:28:37.000Z","state":"MA","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 am filing a complaint against Bank of America regarding the <em>closure</em> of my <em>personal</em> and <em>business</em> accounts and the withholding of my funds. \n\nOn or about XXXX/2026, I was informed that my accounts would be closed due to <em>risk</em>, and that I would not have access to my remaining funds until XX/XX/XXXX. I was not provided a clear explanation for the <em>closure</em> or the extended delay in releasing my money."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[22.673687,"21125509"]},{"_index":"complaint-public-v1","_id":"13328896","_score":21.97652,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have been a Chase customer for over 10 years with a perfect credit and payment history. I currently hold multiple personal and business credit card accounts with Chase, all in excellent standing, with utilization under 30 % and zero missed payments. \n\nIn XX/XX/year>, Chase Compliance closed my newly opened personal checking account without notice or explanation, and reversed a valid ACH transaction I had sent to XXXX XXXX XXXX for my financial software license. The reversal placed me at risk of losing access to essential services. No explanation or fraud notice was provided. At the same time, Chase left my business accounts and all credit cards active. \n\nI filed a formal Emergency Motion for Temporary Restraining Order in the XXXX XXXX XXXX XXXX ( Case No. XXXX ) to prevent further harm. The matter is now under judicial review. \n\nDespite this, Chase Card Services continued processing transactionsuntil a filing-related payment was flagged as a fraud alert. I confirmed that charge ( a court filing fee ) was mine. \n\nI am requesting that the CFPB : Require Chase to provide a full explanation of the reason for the closure and reversal. \n\nProtect my credit standing during this process. \n\nInvestigate whether Chase is applying automated compliance risk closures without due process or review. \n\nThis action has damaged my ability to maintain a banking relationship and may trigger downstream harm to my reputation and credit.","date_sent_to_company":"2025-05-04T10:10:27.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"33611","tags":"Older American","has_narrative":true,"complaint_id":"13328896","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-05-04T09:46:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I currently hold multiple <em>personal</em> and <em>business</em> credit card accounts with Chase, all in excellent standing, with utilization under 30 % and zero missed payments. \n\nIn XX/XX/year>, Chase Compliance closed my newly opened <em>personal</em> <em>checking</em> account without notice or explanation, and reversed a valid ACH transaction I had sent to XXXX XXXX XXXX for my financial software license. The reversal placed me at <em>risk</em> of losing access to essential services. No explanation or fraud notice was provided."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[21.97652,"13328896"]},{"_index":"complaint-public-v1","_id":"22217454","_score":21.82026,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"To Wells Fargo Executive Office / Small Business Operations, I am writing to formally dispute and request a full written explanation regarding Wells Fargos closure of my Wells Fargo BusinessLine line of credit account ending in XXXX, referenced in your XX/XX/year> closure notification addressed to XXXX XXXX XXXX XXXX \n\nThe letter states that the account was closed because Accounts with Wells Fargo Bank have not been handled as agreed. This explanation is vague and does not identify which account or accounts Wells Fargo is referring to, what specific conduct allegedly triggered the closure, what dates are involved, what policy was applied, or why a separate BusinessLine account ending in XXXX was closed based on matters involving other accounts. \n\nThis is especially concerning because Wells Fargo recently exercised a right of offset against a different business account, including an offset of {$36000.00} from a business checking account ending in XXXX related to a business credit account ending in XXXX. That account had been in a hardship/payment arrangement, and I had been attempting to work with Wells Fargo in good faith. Shortly after Wells Fargo took those funds, my BusinessLine account ending in XXXX was closed, and when I contacted Wells Fargo for an explanation, I was only given vague references to risk management without a clear or documented reason. \n\nI am requesting that Wells Fargo provide a complete written explanation and supporting documentation for this decision, including : The specific account or accounts Wells Fargo claims were not handled as agreed. \nThe exact events, dates, missed payments, defaults, internal risk flags, or policy violations that Wells Fargo relied on to close the BusinessLine account ending in XXXX. \nWhether the closure was connected in any way to the offset from the account ending in XXXX, the business credit account ending in XXXX, or any internal Wells Fargo collection or risk-management action. \nWhether Wells Fargo relied on a credit report, internal score, business credit report, XXXX XXXX XXXX, XXXX, fraud/risk indicator, deposit-account review, cross-default provision, or any other third-party or internal source.\n\nA copy of the BusinessLine agreement and any provision Wells Fargo relied on to close the account because of activity on a different Wells Fargo account.\n\nA copy of any adverse-action notice, internal review notes, account-review documentation, risk-management notes, collection notes, or committee/department decision records related to this closure. \nAn explanation of whether Wells Fargo considered the hardship/payment plan and my efforts to resolve the separate account before closing this BusinessLine credit facility. \nA complete address-history record showing where Wells Fargo mailed notices, because I have received and reviewed documents showing inconsistent mailing addresses, including old or incorrect addresses, which raises serious concerns about whether I received all required notices. \nConfirmation whether Wells Fargo has reported, or intends to report, this closure or any related derogatory information to personal or business credit bureaus. \n\nI dispute the fairness, accuracy, and transparency of this decision. The explanation provided in your XX/XX/year>, letter does not allow me to understand or meaningfully respond to the alleged reason for the closure. If Wells Fargos position is that the closure was justified, please provide the specific factual and contractual basis. If the closure was based on incomplete, inaccurate, misdirected, or internally misunderstood information, I request that Wells Fargo immediately reconsider the decision, restore the BusinessLine account ending in XXXX, and correct any internal or external reporting. \n\nI also request that Wells Fargo preserve all documents, call recordings, internal notes, mailing records, system logs, risk-review records, hardship records, offset records, and account-review records related to accounts ending in XXXX, XXXX, and XXXX. \n\nPlease treat this letter as a formal written request for the specific reasons for the adverse action, a dispute of the closure decision, and a request for reconsideration. I ask that Wells Fargo respond in writing within XXXX business days. If Wells Fargo can not provide a clear, specific, and documented explanation, I request that the closure be reversed or corrected and that Wells Fargo confirm in writing that no negative credit reporting or internal adverse classification will result from this action. \n\nIf this matter is not resolved, I intend to submit this complaint and supporting documents to the Office of the Comptroller of the Currency, the Consumer Financial Protection Bureau, and any other applicable regulator. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX Account ending : XXXX Related accounts : XXXX and XXXX","date_sent_to_company":"2026-05-14T20:53:54.000Z","issue":"Credit limit changed","sub_product":"Personal line of credit","zip_code":"91316","tags":null,"has_narrative":true,"complaint_id":"22217454","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-14T20:48:57.000Z","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":["The exact events, dates, missed payments, defaults, internal <em>risk</em> flags, or policy violations that Wells Fargo relied on to close the <em>Business</em>Line account ending in XXXX. \nWhether the <em>closure</em> was connected in any way to the offset from the account ending in XXXX, the <em>business</em> credit account ending in XXXX, or any internal Wells Fargo collection or <em>risk</em>-management action."],"product":["Payday loan, title loan, <em>personal</em> loan, or advance loan"],"sub_product":["<em>Personal</em> line of credit"]},"sort":[21.82026,"22217454"]},{"_index":"complaint-public-v1","_id":"4037037","_score":21.652672,"_source":{"product":"Checking or savings account","complaint_what_happened":"ON XX/XX/XXXX Bank of America placed a balance hold on my business checking account totaling {$4000.00} then placed a total account hold/freeze on my account. \nAfter calling their customer service innumerable times to try and determine why, there was no resolution. I've spoken to multiple departments and tried to escalate the matter, and after a collective call time of about 5 hours, I was finally told that apparently my account was flagged for suspicious activity and is under investigation. I then spoke to the risk closure department and they said they are in the process of closing my account. I've requested to speak to the investigator/analyst who is supposedly still investigating, but they said they have no means of connecting me with them. They said the investigator will reach out to me but I have not heard from then at all. I have been a personal checking customer since XXXX, and a business checking account customer since XXXX. I am in urgent need of the funds in my account to run my business operations and this hold is affecting my greatly in these times.","date_sent_to_company":"2020-12-29T20:06:14.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"91748","tags":null,"has_narrative":true,"complaint_id":"4037037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-12-29T19:50:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I then spoke to the <em>risk</em> <em>closure</em> department and they said they are in the process of closing my account. I've requested to speak to the investigator/analyst who is supposedly still investigating, but they said they have no means of connecting me with them. They said the investigator will reach out to me but I have not heard from then at all. I have been a <em>personal</em> <em>checking</em> customer since XXXX, and a <em>business</em> <em>checking</em> account customer since XXXX."],"product":["<em>Checking</em> or savings account"]},"sort":[21.652672,"4037037"]},{"_index":"complaint-public-v1","_id":"13608245","_score":21.554314,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am requesting an immediate federal and state-level investigation into American Express National Bank for willfully violating federal financial laws and obstructing my ability to close my business banking account. Amex has engaged in a deliberate pattern of misconduct that constitutes unfair, deceptive, and abusive acts or practices ( UDAAP ) under federal law, and may also violate state-level banking regulations, privacy laws, and digital access laws. \n\nKey Issues and Allegations : 1. Refusal to Close Business Checking Account Upon Lawful Request I submitted multiple written and verbal requests to close my business checking account ending in XXXX, and to cancel the associated business debit card ending in XXXX. \n\nDespite clear communication, Amex has refused to process the closure, offering no legitimate reason or written denial, and leaving the account open against my will. \n\n2. Unlawful Denial of Access to Online Banking Portal Amex has blocked or disabled my access to the Amex Business Checking online portal, preventing me from viewing statements, managing transactions, or initiating closure myself. \n\nThis is a violation of federal and state consumer financial access rights, particularly as I am the verified account owner. \n\n3. Exposure to Financial Harm, Fraud Risk, and Unlawful Fees- Leaving the account active creates : - Risk of unauthorized use of the business debit card - Possible monthly service charges or NSF fees - Tax implications from reporting an open business account I no longer use 4. Potential Data Misuse and Privacy Law Violations - By continuing to hold and process data on a closed business, Amex may be violating : - The Gramm-Leach-Bliley Act ( GLBA ) for failure to give consumers control over their financial information - Florida Information Protection Act ( FIPA ) for retaining personal data after lawful closure request - Electronic Fund Transfer Act ( EFTA ) regarding control over electronic banking access Laws and Regulatory Violations : - 12 U.S.C. 5531 UDAAP violations ( Dodd-Frank Title X ) - Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) Privacy and data control - Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) Interference with account access- Florida Information Protection Act ( F.S. 501.171 ) Improper retention of financial data - Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) Failure to honor lawful requests for closure","date_sent_to_company":"2025-05-20T23:55:19.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13608245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-05-20T23:40:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Refusal to Close <em>Business</em> <em>Checking</em> Account Upon Lawful Request I submitted multiple written and verbal requests to close my <em>business</em> <em>checking</em> account ending in XXXX, and to cancel the associated <em>business</em> debit card ending in XXXX. \n\nDespite clear communication, Amex has refused to process the <em>closure</em>, offering no legitimate reason or written denial, and leaving the account open against my will. \n\n2."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[21.554314,"13608245"]},{"_index":"complaint-public-v1","_id":"16773406","_score":21.517544,"_source":{"product":"Checking or savings account","complaint_what_happened":"My personal checking account was frozen without warning and is being closed without my consent. I was informed that I can not withdraw any funds, my debit card has been XXXX, and I must wait 710 business days to receive a refund check. No specific reason was provided other than risk or compliance. I was never contacted before the freeze or given an opportunity to address any concerns. When I reached out to the bank, they refused to provide a clear reason or documentation explaining the closure, despite multiple requests. I was only told that I must wait 710 days for a paper check of my own balance, effectively holding my personal funds XXXX. This action has caused financial hardship and disrupted my ability to pay bills and care for my child. I am seeking regulatory review and any enforcement or corrective action appropriate under federal and state banking laws.","date_sent_to_company":"2025-10-23T21:04:52.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"48162","tags":null,"has_narrative":true,"complaint_id":"16773406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2025-10-23T20:53:37.000Z","state":"MI","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["My <em>personal</em> <em>checking</em> account was frozen without warning and is being closed without my consent. I was informed that I can not withdraw any funds, my debit card has been XXXX, and I must wait 710 <em>business</em> days to receive a refund <em>check</em>. No specific reason was provided other than <em>risk</em> or compliance. I was never contacted before the freeze or given an opportunity to address any concerns."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[21.517544,"16773406"]},{"_index":"complaint-public-v1","_id":"2436322","_score":20.909828,"_source":{"product":"Bank account or service","complaint_what_happened":"Bank of America closed my checking account without providing notice or an explanation. This has caused me damages with regard to payments made out of that checking account prior to it being closed. \nFurther, I have no access to the funds that were on deposit of approximately {$3200.00}. They state that they 've mailed out a cashier 's check on XXXX and it could 10-15 business days to get here. I needed that money to cover expenses. \nI feel that the issue sprang from a personal check I deposited via their image-deposit feature on their smart-phone app. That check was in the amount of {$250.00}. Their Risk and Fraud department called me the next business day ( XXXX ) to let me know that a deposit had triggered a \" red flag ''. When I explained that I used the image-deposit feature, they accepted that as being the cause of the red-flag. \nI do not know what the official reason is for the closure, however I feel that I 'm incurring unnecessary hardships because of an arbitrary corporate decision that was most likely caused by Bank of America 's inability to process an image-deposit.","date_sent_to_company":"2017-04-14T19:12:19.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"16066","tags":null,"has_narrative":true,"complaint_id":"2436322","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-04-14T19:12:18.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I feel that the issue sprang from a <em>personal</em> <em>check</em> I deposited via their image-deposit feature on their smart-phone app. That <em>check</em> was in the amount of {$250.00}. Their <em>Risk</em> and Fraud department called me the next <em>business</em> day ( XXXX ) to let me know that a deposit had triggered a \" red flag ''. When I explained that I used the image-deposit feature, they accepted that as being the cause of the red-flag."],"sub_product":["<em>Checking</em> account"]},"sort":[20.909828,"2436322"]},{"_index":"complaint-public-v1","_id":"3410726","_score":20.586735,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/2019, USAA notified me via mail that my checking account was at risk of being closed because they had determined that I had been using the personal checking account for business activity. I immediately called USAA to address the matter. When I reached a representative I was told that the reason for the notice was due to deposits that had been made into the checking account in the name of a business. When I promptly told the employee that I had never received any checks in the name of a business he tried to look for other reasons. The employee then stated that I had made wire transfers and when asked for the reason of the wire transfer, I had replied \" inventory purchase. '' According to the employee, this was the reason my checking account was at risk of being closed. However, if I ceased this activity, I was told there would be no issue. Further, the employee said that I could still make wire transfers and when asked for the purpose of the transfer simply state something that is unrelated to anything that could be construed as business. \n\nFurther, I wanted to make sure from the employee that my checking account would never be closed without giving me proper notice as such a sudden closure would inevitably cause financial stress and hardship. The employee assured me that USAA would never close my account without notifying me in advance. \n\nI continued using my checking account as directed ( not for business purposes ).  Whenever I made wire transfers and was asked for the reason I was always able to provide a reason that was unrelated to business. Further, no money was ever deposited into my account in the name of a business. \n\nOn XX/XX/XXXX, I received a check in the mail with the balance of what had been in my checking account and a one line memo on it that stated \" close account ending in xxxx. '' The check was dated XX/XX/XXXX. I immediately reached out to USAA for an explanation. They had closed my account on XX/XX/XXXX ( 5 days before I received the check or had any idea that the account had been closed ). There was no advance notification as I had been assured there would be if this event were to ever occur. I was completely panicked as my employer 's check was due to be sent the next day ( XX/XX/XXXX ). Even more worrisome was the fact that my car payment ( along with several other payments that are set-up for automatic withdrawal from my checking account ) had not gone through. Therefore, I was late on payments. Checks that I had written days before the account closure did not go through. XXXX transfers that I had made between XX/XX/XXXX-XX/XX/XXXX did not go through. Even worse, I have credit card bills due that I have no means to pay before the statements close because they were always paid by this one checking account that I had. To sum it up, I was in financial XXXX. \n\nWhen I requested bank statements from USAA leading up to the account closure in an effort to find out what other automatic payments I had set-up and what checks I wrote did go through, I was initially told I could not have them because I no longer had an account with them. After escalating the matter, I finally got past months statements but not the most important one ( XX/XX/XXXX ). XX/XX/XXXX, the days leading up to the account closure, would be crucial to me knowing what payments did or did not make it through for the financial obligations that I have ( credit cards, checks, auto payments, electric bill, etc ). I was told this statement was not available and will only be available when the full statement cycle ends ( didn't my cycle end when they closed my account? ).\n\nNo employee at USAA has been able to provide ANY information on what \" business activity '' my account was used for since the notice that I received in XX/XX/XXXX. I have been forced to endure tremendous stress and financial hardship as a result of the checking account being closed without any notice whatsoever. This kind of treatment from a financial institution is troubling to say the least and unlawful from a consumer protection standpoint. \n\nPlease note that the account closure notice that I have attached below was not received by me until XX/XX/XXXX ( 8 days past account closure ) after calling USAA several times to obtain it.","date_sent_to_company":"2019-10-19T04:44:11.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"92109","tags":null,"has_narrative":true,"complaint_id":"3410726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2019-10-19T00:01:47.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["In XX/XX/2019, USAA notified me via mail that my <em>checking</em> account was at <em>risk</em> of being closed because they had determined that I had been using the <em>personal</em> <em>checking</em> account for <em>business</em> activity. I immediately called USAA to address the matter. When I reached a representative I was told that the reason for the notice was due to deposits that had been made into the <em>checking</em> account in the name of a <em>business</em>."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[20.586735,"3410726"]},{"_index":"complaint-public-v1","_id":"9125917","_score":20.584566,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I received a text message indicating that my accounts were at risk of being closed and urging me to contact Chase immediately to discuss an issue with one or more of my accounts. \n\nUpon receiving the message, I contacted Chase without delay. However, I was informed that the process of closing my accounts had already commenced, and I was advised that Chase was not obligated to disclose the reason for the closures. Instead, I was directed to check my mail for further information. \n\nSubsequently, I received a letter stating, \" Financial institutions have the obligation to know our customer and monitor transactions that flow through our customers ' accounts. After careful consideration, we decided to close your accounts because of unexpected activity on this or another Chase account. '' This letter, however, did not specify the nature of the alleged \" unexpected activity '' or identify which account was affected. \n\nFollowing this, I consulted with my personal banker, XXXX XXXX XXXX, in an effort to understand the rationale behind this decision. XXXX XXXX reached out to the Risk Team, who indicated that the closures were due to an unspecified action that Chase found unacceptable. Despite a thorough review of my accounts with XXXX XXXX, no suspicious activity was identified that might justify the closures. \n\nIt is deeply concerning and disheartening that after a 15-year relationship with Chase Bank , during which I have diligently maintained my accounts, I am now facing the abrupt termination of all my accounts, including business accounts and credit cards, without a clear and justified reason.","date_sent_to_company":"2024-05-29T23:15:55.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"75056","tags":null,"has_narrative":true,"complaint_id":"9125917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-29T22:47:56.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Following this, I consulted with my <em>personal</em> banker, XXXX XXXX XXXX, in an effort to understand the rationale behind this decision. XXXX XXXX reached out to the <em>Risk</em> Team, who indicated that the <em>closures</em> were due to an unspecified action that Chase found unacceptable. Despite a thorough review of my accounts with XXXX XXXX, no suspicious activity was identified that might justify the <em>closures</em>."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[20.584566,"9125917"]},{"_index":"complaint-public-v1","_id":"17363350","_score":20.584074,"_source":{"product":"Checking or savings account","complaint_what_happened":"Of I am writing to express my most profound disappointment, outrage, and grave concern regarding the abrupt, unilateral, and utterly reckless closure of my long-standing Chase business checking account. This action was taken without any prior notice or substantive explanation, and it has created an immediate, critical, and entirely avoidable financial crisis for my business operations. \nCRITICAL FACTS AND THE IMMEDIATE DAMAGE CAUSED 1. NO ADVANCE NOTICE : Chase Bank closed my business/personal account without any prior communication or warning. This egregious lack of courtesy and professional conduct is unacceptable, particularly for a relationship spanning XXXX years. \n2. IMPENDING FINANCIAL DISASTER : The account closures were executed while I have multiple, scheduled, and pending business bill payments and vital automated clearing house ( ACH ) withdrawals set to be processed. By failing to provide notice, Chase has effectively engineered a situation where my business will incur immediate and severe negative consequences, including : Overdraft/Returned Item Fees from other banks and creditors. \nLate payment penalties and potential interest accruals with vendors. \nDamage to my business credit profile and standing with financial institutions. \n3. WITHHOLDING OF CAPITAL : Chase has stated that the remaining funds will be returned via a paper check, which will take an unacceptable and debilitating 2 to 3 weeks to arrive. This constitutes an unjustified and protracted seizure of my working capital, paralyzing my ability to manage my finances and meet contractual obligations. \n4. LACK OF ETHICAL JUSTIFICATION : Your representatives repeatedly refer to the Deposit Agreement as justification for this action. While I acknowledge the existence of such terms, I emphatically state that implementing them in this mannerwithout a demonstrable, pressing, and documented risk to the bankand with the clear knowledge that it will trigger a financial collapse for a loyal, long-term customer, is unethical, egregious, and a gross violation of the implied covenant of good faith and fair dealing. \nDEMAND FOR IMMEDIATE EXPEDITED RESOLUTION Before I am forced to escalate this matter to regulatory bodies ( including the Office of the Comptroller of the Currency ( OCC ) and the Consumer Financial Protection Bureau ( CFPB ) ) and seek legal counsel, I demand the following expedited actions : 1. IMMEDIATE REASON FOR CLOSURE : I require a detailed, documented, and specific explanation as to the exact risk assessment or activity that allegedly triggered this closure. I maintain that I have not engaged in any fraudulent, illegal, or high-risk activities that would legitimately enable such a drastic action. \n2. EXPEDITED FUND RETRIEVAL : You must bypass the standard 2-3 week paper check process and immediately initiate an expedited transfer of my remaining business capital. This must be done via a wire transfer or cashiers check available for immediate pickup, executed within 48 business hours of this communication. \n3. COURTESY FOR PENDING OBLIGATIONS ( MINIMUM EXPECTATION ) : At the absolute minimum, Chase had the professional and ethical obligation to offer the courtesy of transferring the funds out of the account immediately prior to its closure. Your failure to do so demonstrates a deliberate indifference to the financial well-being of your customers. \nPROFESSIONAL CONDUCT AND CUSTOMER HISTORY For XXXX years, I have maintained a consistent relationship with Chase. Only recently, over the past year, has the quality of customer service deteriorated to a point where I have encountered repeated instances of disrespectful, unhelpful, and contradictory customer service representatives. This current action is the culmination of a systemic failure in the bank 's internal processes and a shocking demonstration of corporate indifference. \nThe question remains : Why would Chase Bank disable a burden-free account and paralyze a customer 's business if the customer has done nothing to compromise the banks security or integrity? The answer is clear : the process is flawed, the decision is unjustified, and the execution is unprofessional. \nI expect an immediate response from an XXXX decision-maker who has the authority to effect the transfer of funds, not another reference to the standard deposit agreement. The time for standard customer service procedures is over.","date_sent_to_company":"2025-11-19T20:42:39.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"07107","tags":null,"has_narrative":true,"complaint_id":"17363350","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-19T20:32:29.000Z","state":"NJ","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["IMMEDIATE REASON FOR <em>CLOSURE</em> : I require a detailed, documented, and specific explanation as to the exact <em>risk</em> assessment or activity that allegedly triggered this <em>closure</em>. I maintain that I have not engaged in any fraudulent, illegal, or high-<em>risk</em> activities that would legitimately enable such a drastic action. \n2. EXPEDITED FUND RETRIEVAL : You must bypass the standard 2-3 week paper <em>check</em> process and immediately initiate an expedited transfer of my remaining <em>business</em> capital."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[20.584074,"17363350"]},{"_index":"complaint-public-v1","_id":"6829567","_score":20.234514,"_source":{"product":"Checking or savings account","complaint_what_happened":"In end of XXXX, 2023, I received a letter from Wells Fargo advising that they would be closing my checking and savings account in XXXX ( although they \" reserve the right to close the accounts sooner '' ). The letter referred to a \" recent review of our account relationship '' and \" the bank 's responsibilities to manage risks in its banking operations. '' No further explanation was provided. I have been a customer for well over a decade. There have been no recent changes to my accounts or activity. There have been no accusations by me of any fraudulent activity. I am a XXXX XXXX XXXX and not involved in any business or personal activities that could be considered \" high-risk. '' There is no apparent reason why my accounts were closed in such an abrupt and disruptive manner. Neither I, nor the banker at our branch, have been able to determine what prompted this decision. The sudden account closure has caused significant turmoil resulting from the requirement to open a new account with another financial institution and, thereafter, notify each of the many companies we are doing business with of the changes, so as not to disrupt our ongoing responsibilities for mortgage, utility, and the many other payee/payer relationships associated with our routine life.","date_sent_to_company":"2023-04-12T12:06:49.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"201XX","tags":null,"has_narrative":true,"complaint_id":"6829567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-04-12T11:44:21.000Z","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 am a XXXX XXXX XXXX and not involved in any <em>business</em> or <em>personal</em> activities that could be considered \" high-<em>risk</em>. '' There is no apparent reason why my accounts were closed in such an abrupt and disruptive manner. Neither I, nor the banker at our branch, have been able to determine what prompted this decision."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[20.234514,"6829567"]},{"_index":"complaint-public-v1","_id":"19038024","_score":20.050314,"_source":{"product":"Checking or savings account","complaint_what_happened":"USAA closed a personal checking and savings account based on an incorrect determination that the account was being used for business activity. The transactions cited by USAA were owner distributions ( dividends ) from a wholly owned XXXX paid to the account holder personally. These transfers are lawful, routine, and do not constitute operating a business through a personal account. The XXXX maintains a separate business bank account, and no customer payments, vendor receipts, payroll, or other operating activity occurred in the personal USAA account . \n\nUSAA issued a single electronic notice dated XX/XX/year>. The account holder had elected to receive electronic notices. No notice was received by mail. \nThat notice stated that the account may be closed following a future review and suggested that there would be time to make alternative banking arrangements. After issuance of the XX/XX/XXXX electronic notice : ( i ) No follow-up communications were sent, ( ii ) No notice was provided that the account would be closed, ( iii ) No notice was provided that the account had been closed, ( iv ) The account holder discovered the closure only after funds became inaccessible and an ATM withdrawal failed. \n\nUpon contacting USAA to inquire why funds were unavailable, the account holder was informed, after the fact, that the account had already been closed. USAA has since stated that there is no recourse because the account is closed and that a check will be mailed for the remaining balance. \n\nThe sudden loss of access to funds has caused significant personal financial disruption, including : ( i ) Immediate inability to access household funds while awaiting receipt of a mailed check, ( ii ) Urgent and unplanned transition of direct deposits, bill payments, mortgage payments, utilities, insurance, and other essential financial obligations to a new financial institution, ( iii ) Risk of missed payments, late fees, and cascading financial harm. This harm was foreseeable, substantial, and avoidable, particularly given that the account action was based on a factual misclassification and that no notice of actual closure was provided prior to loss of access to funds. \n\nThe account was closed based on a material factual error ( owner distributions from an XXXX do not constitute business account usage ). USAA did not follow the process described in its own notice, which contemplated a future review and time to make alternative arrangements. Access to funds was terminated without notice of closure and without a meaningful opportunity to clarify or correct the record. The process appears inconsistent with reasonable consumer-banking standards and good-faith application of account policies. These facts raise concerns under the Dodd-Frank Acts prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), particularly with respect to notice, access to funds, and procedural fairness.","date_sent_to_company":"2026-01-27T15:57:25.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"84106","tags":"Servicemember","has_narrative":true,"complaint_id":"19038024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2026-01-27T15:40:09.000Z","state":"UT","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":["USAA closed a <em>personal</em> <em>checking</em> and savings account based on an incorrect determination that the account was being used for <em>business</em> activity. The transactions cited by USAA were owner distributions ( dividends ) from a wholly owned XXXX paid to the account holder personally. These transfers are lawful, routine, and do not constitute operating a <em>business</em> through a <em>personal</em> account."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[20.050314,"19038024"]},{"_index":"complaint-public-v1","_id":"15434257","_score":19.466553,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Unjustified Closure of Newly Opened Business Account Case # XXXX Summary of Complaint : I am a woman of XXXX origin and the founder of XXXX XXXX XXXX, a XXXXXXXX XXXX consultancy operating under the XXXX XXXX in Nevada. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nOn XX/XX/year>, I opened a business checking account at Wells Fargo ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) with an initial deposit of {$25.00}. I was assisted by XXXX XXXX XXXX, XXXX XXXX XXXX. On XX/XX/XXXX, I linked this account to my personal XXXX XXXX XXXX account to initiate a transfer and fulfill the minimum balance requiremenXXXX XXXX  were successfully verified. \nOn XX/XX/XXXX, I received a call from Wells Fargos Fraud Department stating that a business decision had been made to close my account effective XX/XX/year>. I was instructed to call their Prevention Contact line ( XXXX ) and reference case # XXXX. I verified the legitimacy of the call with Wells Fargo Customer Service, who confirmed the closure. \nOn XX/XX/XXXX, I spoke with a representative named XXXX at the Prevention Contact line. She reiterated that the closure was a business decision and refused to provide a reason. I contacted the branch and spoke with XXXX XXXX, who expressed surprise and escalated the matter to her manager, XXXX XXXX XXXX. I followed up via email, and XXXX XXXX confirmed escalation. \nOn XX/XX/XXXX, I received a call from Wells Fargo ECMO indicating that my case would be reviewed. On XX/XX/XXXX, I received a secured email stating that the account closure was a risk-based decision. No further explanation was provided. \nWhy This Matters : I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with multiple government and academic awards. The abrupt and unexplained closure of my business account has disrupted operations and undermined my professional credibility. I followed all procedures, verified XXXX, and acted in good faith. The lack of transparency and refusal to provide a rationale is unacceptable and raises concerns of bias or profiling. \n\n\nSupporting Documents Available : - Email from Wells Fargo Fraud Department - notification of closure - Screenshot of secured email - from the WellsFargoECMO - Account and balance information - Email correspondence with branch manager","date_sent_to_company":"2025-08-21T21:19:11.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"15434257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-08-21T20:59:16.000Z","state":"NV","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":["Subject : Unjustified <em>Closure</em> of Newly Opened <em>Business</em> Account Case # XXXX Summary of Complaint : I am a woman of XXXX origin and the founder of XXXX XXXX XXXX, a XXXXXXXX XXXX consultancy operating under the XXXX XXXX in Nevada. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nOn XX/XX/year>, I opened a <em>business</em> <em>checking</em> account at Wells Fargo ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) with an initial deposit of {$25.00}."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[19.466553,"15434257"]},{"_index":"complaint-public-v1","_id":"2479204","_score":19.234335,"_source":{"product":"Checking or savings account","complaint_what_happened":"I went into Bank Of America on   XXXX   XXXX  , 2017 to open a savings account. I spent over 2 hours with a banker who tried to convince me to move over retirement and business banking over to the bank once he found out I was a business owner. I placed {$100.00} in the account and then remembered I had a personal check that had been given to me. I explained to the banker that I make it a habit to never deposit personal checks in my account from non family members and that I had been meaning to stop by Bank of America to cash the check and since I was there opening an account could he have the check cashed and the funds also deposited into my account because the line had 15 people in it. I had already spent so much time with him opening the account. He had me fill out a deposit slip and stated that he 'd take care of it.\nHe then brought me back the receipt and set up an appointment to follow up with me on  XXXX / XXXX /2017 for other banking products.\nI did'nt notice at the time that the check had been deposited into my account and not cashed as I had requested.\nThe next day I received a call from Bank of America stating that they were closing the Savings account. No reason given and I did inquire as to why and was given the statement that \" there 's nothing wrong we just choose not to do business with you ''. I thought this was strange because I have several accounts at different banks and credit unions all in good standing.\nI received a check in the mail from Bank of America a week later for {$88.00}. {$12.00} less than my initial cash deposit because the check had not cleared. So in essence I was penalized for a check that I asked the banker to cash. Then to add insult to injury I find out a month later that I have been put in   XXXX   XXXX   for closure of account due to unpaid charges from Bank of America.\nI go back to the local branch of Bank of America on   XXXX   XXXX  , 2017 due to   XXXX   XXXX   XXXX   notifying me that I 'm in   XXXX   XXXX   and unable to open an account so I can apply for a Private Student Loan for my daughter. I speak to the bank manager who stated it was his first day in the branch and that I would need to call the RIsk Department because he would have no authority to assist me with the issue.\nI then call the Risk Department of BOA and they tell me that I 'm not in   XXXX   XXXX   and they 're not sure where that information could be coming from.\nSo I call   XXXX   XXXX   and they tell me that I am indeed in   XXXX   XXXX    and that I need to dispute the information. I place a dispute and call BOA back. When I call the bank back I am again told that they did n't send anything to   XXXX   XXXX  . I explain that I just got off the phone with   XXXX   XXXX   and they are showing information in their system for unpaid charges. I also explain I have never had a banking relationship with BOA other than the savings account that was open on   XXXX   XXXX   and consequently closed on   XXXX   XXXX  . I have no unpaid charges and there was no valid reason for them to place my name in   XXXX   XXXX  . The representative gets a supervisor they look over the account and she comes back and states that it appears its an error and it will be cleared up within 10 days. She apologizes for the inconvenience assures me it will be taken care of. I also inquired as to whether the check that did n't clear had any bearing on the reason for the account closure and was told there would n't have been any issues if this check had cleared. So I assumed this was a way of telling me without stating the check was the real reason for the account closure.\nThen on   XXXX   XXXX  , 2017, I receive a letter dated   XXXX   XXXX  , 2017 stating the closure of the account was valid and that they would not be removing me from   XXXX   XXXX  . I have done nothing to warrant my name being placed in   XXXX   XXXX   and need this information removed immediately. If the banker would have followed my instructions the check would have never been placed in the account.\nThis is causing me harm as I am in the process of getting a private student loan for my daughter and ca n't proceed until this is cleared. I am also trying to secure a new Merchant Account for my business and may not be able to do so due to this information.\nI have also reached out to the person who wrote me the check and BOA has done no adverse action against them except for a {$35.00} charge for a returned check.","date_sent_to_company":"2017-05-09T00:34:56.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"32818","tags":null,"has_narrative":true,"complaint_id":"2479204","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-05-08T23:10:19.000Z","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":["I spent over 2 hours with a banker who tried to convince me to move over retirement and <em>business</em> banking over to the bank once he found out I was a <em>business</em> owner. I placed {$100.00} in the account and then remembered I had a <em>personal</em> <em>check</em> that had been given to me."],"product":["<em>Checking</em> or savings account"]},"sort":[19.234335,"2479204"]},{"_index":"complaint-public-v1","_id":"15273445","_score":19.155867,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against JPMorgan Chase Bank ( Chase ) regarding the abrupt closure of my checking accounts in XXXX XXXX and their ongoing refusal to provide any explanation for the action, despite multiple requests. This has caused significant financial disruption and uncertainty, and I believe it may violate consumer protection laws requiring transparency in banking practices. \nWhat Happened : In XX/XX/XXXX, Chase closed all my checking accounts, including my personal account and accounts associated with my businesses. At the time, I was operating a credit repair business from XXXX, but I was not informed that this was the reason for the closure, nor was I given any prior notice or opportunity to address any concerns. The closures affected my ability to pay bills, receive payments, or manage my finances, leading to bounced checks, delayed transactions worth approximately {$75000.00} in pending transcations. Since the closure, I have repeatedly contacted Chase to request the reason for their decision. This includes : Phone calls to their customer service and fraud/account review departments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and evem more recently in XXXX - XX/XX/XXXX, where representatives stated they could not disclose the reason due to internal policies. \nWritten requests via email on XX/XX/XXXX to the executive department to which I received generic responses : Your account is closed due to internal factors. \nAttempts to reopen accounts or apply for new ones, which were denied without explanation. \n\nChase 's refusal to provide a reason has prevented me from understanding or disputing the basis for the closure. I suspect this may relate to an internal \" blacklist '' or risk assessment, but without details, I can not confirm if it was due to inaccurate information, discrimination, or a misunderstanding. This lack of transparency has made it difficult to bank elsewhere as I was grossing close to XXXX XXXXXXXX a month with large expenses in my XXXX XXXX and it was hard to move all the accounts to another bank. Chase action may have led to negative reports in systems like XXXX  or XXXX XXXX XXXX potentially affecting my access to financial services.I have reviewed my account history and confirm there were no unpaid debts, overdrafts, or fraudulent activities on my part that would justify the closure. All accounts were in good standing prior to the action. \nWhat I Did to Resolve the Issue : I first contacted Chase directly multiple times, as outlined above, but they have consistently refused to provide any substantive information or reverse the decision. I have not filed previous complaints with the CFPB or other regulators about this specific issue. \nThank you for investigating this matter. I am willing to provide additional documentation as needed.","date_sent_to_company":"2025-08-13T03:53:00.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"89015","tags":null,"has_narrative":true,"complaint_id":"15273445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-13T03:40:45.000Z","state":"NV","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["What Happened : In XX/XX/XXXX, Chase closed all my <em>checking</em> accounts, including my <em>personal</em> account and accounts associated with my <em>businesses</em>. At the time, I was operating a credit repair <em>business</em> from XXXX, but I was not informed that this was the reason for the <em>closure</em>, nor was I given any prior notice or opportunity to address any concerns."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[19.155867,"15273445"]},{"_index":"complaint-public-v1","_id":"19015748","_score":19.12558,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding Capital Ones handling of a {$5000.00} check deposit and the subsequent restriction and closure of my accounts, which has caused significant financial harm. \n\nOn XX/XX/XXXX, I deposited a {$5000.00} check into my Capital One business checking account. This check was payment for the sale of my personal vehicle. I deposited the check specifically to fund my account and to bring my personal Capital One account out of a negative balance. \n\nThe funds posted to my account, and my official account statement for the period ending XX/XX/XXXX reflects an ending balance of {$4700.00} after a {$270.00} transfer. Shortly after the deposit, Capital One restricted my accounts and later closed them. \n\nI was informed by Capital One representatives that an investigation was conducted and that the investigation was completed on XX/XX/XXXX. Since that time, I have received inconsistent and conflicting explanations regarding the status of the funds. I have been told variously that the check was returned, that it was not returned, that no reversal exists, that the funds are being held internally during a risk window, and that the funds may or may not be returned to the check writer.\n\nAs of today, Capital One has not provided any written confirmation or documentation showing that the check was returned, reversed, or disputed by the issuing bank. At the same time, my accounts have been closed, leaving me without access to the deposited funds.\n\nAs a result, I am experiencing severe financial hardship. I no longer have possession of my vehicle, and I do not have access to the proceeds from its sale. Additionally, because the funds were intended to resolve a negative balance on my personal account, I have been left without the ability to stabilize my finances or meet basic obligations.","date_sent_to_company":"2026-01-26T20:43:44.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"60637","tags":null,"has_narrative":true,"complaint_id":"19015748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-26T20:33:01.000Z","state":"IL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I am filing this complaint regarding Capital Ones handling of a {$5000.00} <em>check</em> deposit and the subsequent restriction and <em>closure</em> of my accounts, which has caused significant financial harm. \n\nOn XX/XX/XXXX, I deposited a {$5000.00} <em>check</em> into my Capital One <em>business</em> <em>checking</em> account. This <em>check</em> was payment for the sale of my <em>personal</em> vehicle. I deposited the <em>check</em> specifically to fund my account and to bring my <em>personal</em> Capital One account out of a negative balance."],"product":["<em>Checking</em> or savings account"]},"sort":[19.12558,"19015748"]},{"_index":"complaint-public-v1","_id":"6743173","_score":19.096882,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Since XXXX I have been a Wells Fargo customer and a victim of the bank 's previous indiscretions, which have since been rectified through their remediation program. Wells Fargo continues to close consumer accounts improperly without valid justification. I was informed that the risk department closed my XXXX XXXX Propel ( Ending XXXX ) and Business Platinum credit card ( Ending XXXX ) due to \" suspicions of irregular payment behavior and suspected fraud. '' I was told this was because I am making multiple payments within a month, but Wells Fargo never notified me that making more than XXXX payments each month was outside of its standard policies. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX all permit multiple payments ; thus, I had no idea that Wells Fargo regarded this as \" suspicion of fraud. '' I am a frequent foreign traveler who enjoys accumulating credit card points for future trips. If I have made more than four monthly payments, it is because Id rather put the charge on my credit card instead of running the same charge through my debit card and accumulating zero points. Hence, if an unexpected expense has to be paid and I do not have enough available credit, I would make an additional payment to cover the amount to accumulate credit card points. It appears that some employees in the risk department are unaware of the allure of credit card points and overseas travel in todays times. \n\nWells Fargo also used a stop payment request from my other bank, XXXX XXXX, to justify the closure of my account, despite the fact that I had phone representatives add notes to my account. The payment was made on XX/XX/XXXX, and after noticing that it did not post quickly, as it regularly does, I called the call center to inquire whether the payment would post that evening. I was somewhat relieved when I was informed that it would be posted because my statement was scheduled to close that evening. I attempted to pay down the balance before it was reported to the credit bureaus. The following morning, XX/XX/XXXX, I observed that the payment had not yet been posted, so I called Wells Fargo again to request that they cancel the payment. Instead, I withdrew the {$1200.00} payment from XXXX XXXX and then deposited it into my Wells Fargo everyday checking account ( ending XXXX ). I was informed that the rep could cancel the payment, and I inquired as to whether it would still be processed through my XXXX account. I was informed that the payment would not be presented to my XXXX account. Monday morning, XX/XX/XXXX, a {$1200.00} payment from Wells Fargo was pending on my XXXX account. Given that I had already deposited the funds into my Wells Fargo account to make the payment, I called XXXX to initiate a stop payment. My XXXX account had pending items that were at risk of not being covered due to the duplicate {$1200.00} payment that was pending. \n\nA few days later, I checked my Wells Fargo app to discover that my XXXX XXXX XXXX XXXX ( Limit {$12000.00} ) had been closed and that the Business Platinum card ( Limit {$2500.00} ) was also in the process of being canceled. I was quite outraged because I had previously provided explanations and had phone agents document it ; however, I was still unfairly penalized. Wells Fargo 's risk department marked the tradeline as \" potential fraud, '' and my credit score took a hit in addition to the closure as my average age of account history was reduced. \n\nI should also mention that I have both personal and business checking accounts ; my monthly personal checking account deposits range from {$18000.00} to {$50000.00}. My monthly business checking balance ranges from {$10000.00} to {$25000.00}. Since Wells Fargo can see my deposits because I do most of my primary banking with them, they incorrectly viewed me as a risk. The average XXXX does not deposit the amount XXXX deposit into Wells Fargo monthly. I contacted the Wells Fargo XXXX XXXX, who referred the matter back to the Risk department for evaluation, but I was denied reinstatement due to \" Possible Fraud, '' as the Wells Fargo XXXX department termed it. Even though the XXXX XXXX XXXX XXXX listened to all the phone records supporting my case and supplied facts to the risk department, Wells Fargo still flagged me as a potential fraud. This is incorrect on ALL agreements, and it is a slap in the face from a bank I've been with since XXXX. Today 's Wells Fargo client base is dwindling, and rather than making every effort to maintain long-term, loyal consumers ; the bank is pushing its core foundation away each day. \n\nI am requesting the reinstatement of my credit cards, as I have not engaged in any fraudulent behavior. I can not tolerate my primary bank closing my credit accounts and falsely accusing me of any wrongdoing. I will fight with every fiber of my being to reject the wrongful accusation they have imposed on me. XXXX pretty sure there are others who have faced wrongful accusations and improper closures, which signals a problem within the bank itself.","date_sent_to_company":"2023-03-25T00:57:13.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"6743173","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-03-25T00:36:32.000Z","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":["Wells Fargo 's <em>risk</em> department marked the tradeline as \" potential fraud, '' and my credit score took a hit in addition to the <em>closure</em> as my average age of account history was reduced. \n\nI should also mention that I have both <em>personal</em> and <em>business</em> <em>checking</em> accounts ; my monthly <em>personal</em> <em>checking</em> account deposits range from {$18000.00} to {$50000.00}. My monthly <em>business</em> <em>checking</em> balance ranges from {$10000.00} to {$25000.00}."]},"sort":[19.096882,"6743173"]},{"_index":"complaint-public-v1","_id":"23042774","_score":18.890907,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Urgent : U.S. Bank Unlawfully Retaining {$8500.00} of Legitimate Funds and Refusing Disbursal To whom it may concern, I am filing this formal complaint against U.S. Bank for the unlawful withholding and effective confiscation of my personal funds totaling {$8500.00} following an arbitrary account closure. \nMore than two months ago, U.S. Bank closed my account. \nAt the time of the closure, the account held a remaining balance of {$8500.00}. To this date, I have received absolutely no written correspondence, no formal closure letter, and no explanation regarding the status of my funds. \nWhen I called U.S. Bank 's customer service and risk department to resolve this and ask for my money, the representatives explicitly told me that the bank would not return my money, would not issue a cashier 's check, and refused to provide any written justification or reasoning for this decision. \nThe funds in my account are 100 % legitimate and belong to me. They consist of peer-to-peer transfers via XXXX. While a financial institution has the right to terminate a business relationship, it does not have the legal authority to permanently seize or withhold a consumer 's funds indefinitely without a court-ordered forfeiture or law enforcement XXXXeizure warrant, neither of which exists in this case. U.S. Bank is essentially holding my money hostage without due process or written explanation. \nThis situation has caused me severe financial distress. I request the CFPBs immediate intervention to compel U.S. Bank to : 1 Immediately release my full balance of {$8500.00} via a cashier 's check mailed to my address on file.\n\n2 Provide a full written disclosure regarding the closure of my account.\n\n3 Cease and desist from reporting any negative or defamatory remarks regarding this automated closure to ChexSystems or Early Warning Services ( EWS ) without proper investigation. \nThank you for your prompt attention to this matter. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-06-09T19:53:45.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"23042774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-06-09T19:43:53.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Bank for the unlawful withholding and effective confiscation of my <em>personal</em> funds totaling {$8500.00} following an arbitrary account <em>closure</em>. \nMore than two months ago, U.S. Bank closed my account. \nAt the time of the <em>closure</em>, the account held a remaining balance of {$8500.00}. To this date, I have received absolutely no written correspondence, no formal <em>closure</em> letter, and no explanation regarding the status of my funds. \nWhen I called U.S."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"]},"sort":[18.890907,"23042774"]},{"_index":"complaint-public-v1","_id":"19045200","_score":18.35557,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Urgent Complaint : Post-Opening Account Closure Causing Housing Hardship To : Consumer Financial Protection Bureau ( CFPB ) Complaint # XXXX From : XXXX XXXX XXXX XXXX XXXX. \nAddress : XXXXXXXX XXXX XXXX XXXX XXXX FL, XXXX Email : XXXX Date : XX/XX/year> Bank : Truist Bank Branch Location : XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX Account Number : XXXX ( business ) / XXXX ( personal ) Complaint : I opened a new checking account at Truist Bank on XX/XX/year> at approximately XXXX XXXX  at the XXXX XXXX XXXX XXXX XXXX . The following morning upon trying to access my online and mobile app features, I was informed that the account was restricted and to call XXXX and then transferred to XXXX where I was informed my account would be immediately closed due to a review by XXXX XXXX XXXX ( XXXX  ). \n\nI was told the funds would be returned via cashiers check, but the bank indicated this could take up to seven ( 7 ) business days. This delay is directly impacting my ability to meet an imminent lease obligation due on XX/XX/year>. \n\nDespite repeated requests for assistance, including escalation to the fraud department supervisor XXXX, I have been informed that Truist can not expedite the cashiers check or provide any form of verification of funds availability. \n\nRequested Resolution : Immediate intervention by Truist Bank to provide a written confirmation on official letterhead that funds are available and being returned via cashiers check. \n\nExpedited issuance ( to be procured at local branch ) or delivery of the cashiers check to prevent loss of housing or other economic harm due to breach of contract etc. \n\nReview and clarification of Truist Banks policies regarding informing customers of potential risks; opening new accounts and/or accepting initial deposits into those recently opened accounts until all measures of ensuring that there are no potential issues, fraud or other unknown hindrances are addressed, and post-opening account closures through XXXX, particularly when funds have already been deposited to prevent issues like this from occurring in the future. \n\nAny other relief deemed appropriate by the CFPB to prevent further financial harm caused by the banks actions. \n\nAdditional Information : This closure is not due to any illegal activity or misuse of the account on my part. \n\nI have documentation of the initial deposit and account opening receipt. \n\nThe bank has refused all immediate solutions, including in-branch or expedited cashiers check issuance. \n\nSignature : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>","date_sent_to_company":"2026-01-27T19:04:10.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"336XX","tags":null,"has_narrative":true,"complaint_id":"19045200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-01-27T18:50:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Cashing a check"},"highlight":{"complaint_what_happened":["Address : XXXXXXXX XXXX XXXX XXXX XXXX FL, XXXX Email : XXXX Date : XX/XX/year> Bank : Truist Bank Branch Location : XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX Account Number : XXXX ( <em>business</em> ) / XXXX ( <em>personal</em> ) Complaint : I opened a new <em>checking</em> account at Truist Bank on XX/XX/year> at approximately XXXX XXXX  at the XXXX XXXX XXXX XXXX XXXX ."],"product":["<em>Checking</em> or savings account"],"sub_product":["<em>Checking</em> account"],"sub_issue":["Cashing a <em>check</em>"]},"sort":[18.35557,"19045200"]},{"_index":"complaint-public-v1","_id":"2423695","_score":18.326385,"_source":{"product":"Credit card","complaint_what_happened":"I had a PERSONAL Quicksilver Credit Card ( CC ) with Capital One ( CO ) since XX/XX/XXXX ( Card was issued by XXXX then purchased by CO in XX/XX/XXXX ). I also had a checking bank account through their CO360 Service. I never had issues with both. In XX/XX/XXXX my CC limit was around $ XXXX ( indicative of credit score ). CC was always paid on time. I never missed a deadline. \n.On XX/XX/XXXX ( date payment is due ) I was checking my statement and found fraudulent charges on my account from XX/XX/XXXX ( {$2.00} repeated over XXXX times the same day! ). I immediately notified CO about the fraudulent charges. \n4 days later, On XX/XX/XXXX my Checking account was closed without notification. I called to inquire and they told me no reason could be given. There were no issues with the checking account at all and there were absolutely no reports or any suspicious activities ( No cash deposits/No defaults/No bounced checks/No International trade..etc ). On XX/XX/XXXX my CC was closed. I received a letter dated XX/XX/XXXX stating my account was closed because \" We have observed activity on your account that is not consistent with our expectations of usage for commercial or small business purposes. '' I called CO CC customer service rep and I explained to her that my account was personal! How would they close a personal account for violating their small business expectations! She referred me to their Executive Office. I talked to a XXXX twice. She admitted that my account was personal and that the letter did not make sense. She said she would investigate and call me back. There were no calls back. I called again on XX/XX/XXXX and I talked to a XXXX and she told me she saw nothing in the system about an investigation! She told me the decision was final. I asked her if the letter made sense and she acknowledged it did not! I asked to talk to someone higher up she said she was the highest person I could talk to! I asked to talk to the person who made that decision and she said she did not know who it was and there was nothing else she could do! \nI immediately talked to a friend of mine XXXX at CO CC division and he was able to explain to me what happened which was a stark violation of the law. \n1- The fraud report triggered an account review 2- In doing the review, CO decides if they want to keep the account or close it based on how much money they made ( They have pre-set numbers ) plus they have databases for risk. \n3- If they decide to close the account, their next job is to find a reason for the account closure to make their act look lawful ( Even though they have the right to close any account, the issue here is that they do it as a discrimination against anyone who exercises his/her right under CCPA ). \n4- The person drafting the letter of closure ( Coming up with a reason after a decision of closure was already made ) just made something up hoping no one would notice or mixed my account with others ( Business CC are not usually protected by CCPA so they love using this reason to close accounts ). \n5- The Letter of closure was sent out 6- When I notified them the reason for closure did not apply to my personal card they realized the mistake but could not change it. Because any change would blow up their cover of making up a reason to make their unlawful act lawful ( none could be found in my case ). \nThe systematic discrimination by CO against people who exercise their rights under CCPA is very clear in this case. I trust this information with the employees and the lawyers of CFPB until enough information could be gathered for legal action against CO. I am willing to testify in this case and I believe it will eventually come to justice. My CO contact is also willing to testify to their systematic discrimination if given immunity from the civil contract. I will make this complaint available online for others to see and relate to until a class action suit is ready.","date_sent_to_company":"2017-04-06T19:55:43.000Z","issue":"Closing/Cancelling account","sub_product":null,"zip_code":"02169","tags":"Servicemember","has_narrative":true,"complaint_id":"2423695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-04-06T19:55:43.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["was sent out 6- When I notified them the reason for <em>closure</em> did not apply to my <em>personal</em> card they realized the mistake but could not change 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