{"took":233,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1240,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5861943","_score":22.649143,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2022 l deposited a check into my savings account at a Chase bank the amount was for {$6600.00} it was a settlement of a lawsuit the check was held until XX/XX/2022, the bank admitted to me yesterday they have the funds but my account remains restricted, l 'm supposed to get my pay which is direct deposited in my savings account and my social security check which goes into my checking account but the bank won't let me access my account my pay and my social security money have nothing to do with the lawsuit check, this situation is causing me great hardship, can you help me access my funds?","date_sent_to_company":"2022-08-09T16:12:30.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"10466","tags":"Older American","has_narrative":true,"complaint_id":"5861943","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-08-09T15:43:54.000Z","state":"NY","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On <em>XX/XX</em>/2022 l deposited a <em>check</em> into my <em>savings</em> account at a Chase bank the amount was for {$6600.00} it was a settlement of a lawsuit the <em>check</em> was held until <em>XX/XX</em>/2022, the bank admitted to me yesterday they have the <em>funds</em> but my account remains restricted, l 'm supposed to get my pay which is direct deposited in my <em>savings</em> account and my social <em>security</em> <em>check</em> which goes into my <em>checking</em> account but the bank won't let me access my account my pay and my social <em>security</em> money have nothing to do"],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[22.649143,"5861943"]},{"_index":"complaint-public-v1","_id":"16997696","_score":22.61628,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chime closed my checking and savings accounts. At the time my payroll check deposited. XXXX XXXX ; my social security check for XXXX. XX/XX/year>. In my savings account there was XXXX from an IRS refund. I have had this account for XXXX  years ; never had a return item. When I called after XXXX  Days they stated my funds would not be returned. They have no right to keep my funds","date_sent_to_company":"2025-11-03T04:23:14.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"92807","tags":"Older American","has_narrative":true,"complaint_id":"16997696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-11-03T03:59:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Chime closed my <em>checking</em> and <em>savings</em> accounts. At the time my payroll <em>check</em> deposited. <em>XXXX</em> <em>XXXX</em> ; my social <em>security</em> <em>check</em> for <em>XXXX</em>. XX/XX/year>. In my <em>savings</em> account there was <em>XXXX</em> from an IRS refund. I have had this account for <em>XXXX</em>  years ; never had a return item. When I called after <em>XXXX</em>  Days they stated my <em>funds</em> would not be returned. They have no right to keep my <em>funds</em>"],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Checking</em> account"],"sub_issue":["<em>Funds</em> not received from closed account"]},"sort":[22.61628,"16997696"]},{"_index":"complaint-public-v1","_id":"14590580","_score":21.950918,"_source":{"product":"Checking or savings account","complaint_what_happened":"They stated that they are closing my account. I requested the return of my funds. A representative told me that two checks ( XXXX in checking and XXXX in savings ) would be mailed to me in seven to ten business days, but a security representative stated that was incorrect information and they had to hold my funds.","date_sent_to_company":"2025-07-11T22:29:36.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"31404","tags":null,"has_narrative":true,"complaint_id":"14590580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EVERBANK, NATIONAL ASSOCIATION","date_received":"2025-07-11T21:52:37.000Z","state":"GA","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I requested the return of my <em>funds</em>. A representative told me that two <em>checks</em> ( <em>XXXX</em> in <em>checking</em> and <em>XXXX</em> in <em>savings</em> ) would be mailed to me in seven to ten business days, but a <em>security</em> representative stated that was incorrect information and they had to hold my <em>funds</em>."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Checking</em> account"]},"sort":[21.950918,"14590580"]},{"_index":"complaint-public-v1","_id":"3845850","_score":21.749681,"_source":{"product":"Checking or savings account","complaint_what_happened":"I open this bank account online to manage my finances because I got a new job being XXXX I have Got a new job so I needed a checking account however Citi bank closed my checking account and savings as well but theres one big major issue I cant access my funds and I cant get reach of anyone : ( I have my social security XXXX  funds and my own savings all in that one checking account, I cant pay my bills Im geting notices of repossession from XXXX and Citi bank is still allowing deposits to come through a closed account instead of doing the right thing and sending it back they also opened back the savings but my checking is closed this is nonsence","date_sent_to_company":"2020-09-11T21:03:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"349XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3845850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-09-11T20:50:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I open this bank account online to manage my finances because I got a new job being <em>XXXX</em> I have Got a new job so I needed a <em>checking</em> account however Citi bank closed my <em>checking</em> account and <em>savings</em> as well but theres one big major issue I cant access my <em>funds</em> and I cant get reach of anyone : ( I have my social <em>security</em> <em>XXXX</em>  <em>funds</em> and my own <em>savings</em> all in that one <em>checking</em> account, I cant pay my bills Im geting notices of repossession from <em>XXXX</em> and Citi bank is still allowing deposits to come through"],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Checking</em> account"]},"sort":[21.749681,"3845850"]},{"_index":"complaint-public-v1","_id":"19442883","_score":21.28086,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Executive Office Supervisor, On or about XX/XX/year> I got a scam call from XXXX XXXX falsely saying she was Chase Bank XXXX XXXX. My checking & savings account had a freeze placed after I notified customer service at Chase Bank on XXXX. Customer service said at the moment the accounts where in good standing. Since then I have had no access to both my checking and savings account. My social security deposit was done on XXXX. After advising the social security department they stated that Chase Bank had to release those funds because it is illegal to hold those funds. My request is that my account be restored and gain full access to my SSA funds today! I tried to have a branch office help with no success. I have had my life placed in upside down since this happened. There has been many issues such as transfers, deposits, cashier checks and counter checks before this issue in XXXX. I have notified the bank that all transactions are indeed authorized by myself in XXXX verbally and in writing. \n\nRespectfully yours, XXXX XXXX XXXX","date_sent_to_company":"2026-02-12T07:00:32.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"55068","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"19442883","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-02-12T06:31:40.000Z","state":"MN","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Dear Executive Office Supervisor, On or about XX/XX/year> I got a scam call from <em>XXXX</em> <em>XXXX</em> falsely saying she was Chase Bank <em>XXXX</em> <em>XXXX</em>. My <em>checking</em> & <em>savings</em> account had a freeze placed after I notified customer service at Chase Bank on <em>XXXX</em>. Customer service said at the moment the accounts where in good standing. Since then I have had no access to both my <em>checking</em> and <em>savings</em> account. My social <em>security</em> deposit was done on <em>XXXX</em>."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Checking</em> account"]},"sort":[21.28086,"19442883"]},{"_index":"complaint-public-v1","_id":"6745311","_score":21.266483,"_source":{"product":"Checking or savings account","complaint_what_happened":"I had XXXX accounts with Citibank a checkings, savings for my sons XXXX which he was receiving ssi and a joint savings for me and my husband. My checkings account was hacked and a fraudulent check was made into my account without my knowledge. I had money inside my sons savings and also me and my husbands savings account, Citibank closed all of my accounts even with my funds that I had in my sons savings and my husbands savings. I was told in the beginning that I was gon na receive a check after 60 days for the remaining balance I had left into my sons savings and my husbands savings. The 60 days passed so I begin to call Citibank and ask where is my check and they told me that since my checking account ( the one that was hacked and not the other XXXX ) were in the negative I cant receive my money. And also my son received his first of the month check on XX/XX/XXXX which was deposited into Citibank savings and was never sent back to the original sender which was the Social Security Administration. This is not right at all.","date_sent_to_company":"2023-03-24T16:22:09.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"60619","tags":null,"has_narrative":true,"complaint_id":"6745311","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-03-24T16:06:58.000Z","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":["I had <em>XXXX</em> accounts with Citibank a <em>checkings</em>, <em>savings</em> for my sons <em>XXXX</em> which he was receiving ssi and a joint <em>savings</em> for me and my husband. My <em>checkings</em> account was hacked and a fraudulent <em>check</em> was made into my account without my knowledge. I had money inside my sons <em>savings</em> and also me and my husbands <em>savings</em> account, Citibank closed all of my accounts even with my <em>funds</em> that I had in my sons <em>savings</em> and my husbands <em>savings</em>."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"],"sub_issue":["<em>Funds</em> not received from closed account"]},"sort":[21.266483,"6745311"]},{"_index":"complaint-public-v1","_id":"4455872","_score":21.230146,"_source":{"product":"Checking or savings account","complaint_what_happened":"I XXXX XXXX had my TD savings account, password, and phone changed accessed and funds transferred to two additional accounts, one savings and one checking opened, the suspects, transferred {$500.00} from my savings into the new savings on XX/XX/21, and then proceeded to move approximately {$11000.00} into the new fraudulent checking account, I was notified of the incident at work by Fraud Resolution on XX/XX/21 via telephone, and proceeded to the XXXX XXXX, NJ branch, to close the fraudulent, and existing accounts to open a new one, the money thankfully was not removed from the bank, and the incident was turned over to XXXX XXXX  according to bank employees, pending investigation. \n\nI have also been compromised with my XXXX  XXXX savings account, a additional checking account, as well as, phone number, address, and password changed, the suspect was able to transfer funds {$2000.00} from my savings into the fraudulent account created, these funds too were detected before being removed from the banking institution, it should be noted that while on the phone with a rep from XXXX  XXXX named XXXX, she informed me that the suspect was making a attempt to transfer {$100.00} from my XXXX  XXXX account that he fraudulently opened, to my now closed TD savings account.\n\nI have contacted the three credit bureaus, social security administration, as well as my other banking institutions, in addition to filing this report with FTC","date_sent_to_company":"2021-06-23T00:53:50.000Z","issue":"Opening an account","sub_product":"Savings account","zip_code":"08902","tags":null,"has_narrative":true,"complaint_id":"4455872","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2021-06-13T14:32:07.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["I <em>XXXX</em> <em>XXXX</em> had my TD <em>savings</em> account, password, and phone changed accessed and <em>funds</em> transferred to two additional accounts, one <em>savings</em> and one <em>checking</em> opened, the suspects, transferred {$500.00} from my <em>savings</em> into the new <em>savings</em> on <em>XX/XX</em>/21, and then proceeded to move approximately {$11000.00} into the new fraudulent <em>checking</em> account, I was notified of the incident at work by Fraud Resolution on <em>XX/XX</em>/21 via telephone, and proceeded to the <em>XXXX</em> <em>XXXX</em>, NJ branch, to close the fraudulent, and"],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[21.230146,"4455872"]},{"_index":"complaint-public-v1","_id":"13980413","_score":21.196224,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally complain about the handling of my USAA checking account. While overseas, my checking account reached a zero balance, resulting in a {$26.00} debt. I requested to pay this balance using the {$96.00} in my USAA savings account, but your representatives refused, stating that payments from my savings account were not permitted, despite both accounts being with USAA. This policy seems unreasonable, as other banks allow such transfers. \nSubsequently, my checking account was closed, and I am still unable to pay the {$26.00} debt with my savings funds. I also have no access to my online checking account to verify the details of these events. I spoke with senior customer service representatives, who confirmed that paying the checking account debt with my savings was never an option. \nI request that USAA reinstate my checking account, allow me to pay the {$26.00} debt using my savings account funds, and restore my online account access to review the account activity. Please address this matter promptly, as your refusal to allow a simple intra-bank transfer has caused significant inconvenience. \nSincerely, XXXX XXXX Social security number XXXX XXXX : XX/XX/year>XXXX XXXX","date_sent_to_company":"2025-06-09T17:28:07.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"29412","tags":null,"has_narrative":true,"complaint_id":"13980413","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-06-09T17:16:05.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["I request that USAA reinstate my <em>checking</em> account, allow me to pay the {$26.00} debt using my <em>savings</em> account <em>funds</em>, and restore my online account access to review the account activity. Please address this matter promptly, as your refusal to allow a simple intra-bank transfer has caused significant inconvenience. \nSincerely, <em>XXXX</em> <em>XXXX</em> Social <em>security</em> number <em>XXXX</em> <em>XXXX</em> : XX/XX/year><em>XXXX</em> <em>XXXX</em>"],"product":["<em>Checking</em> or <em>savings</em> account"],"issue":["Problem caused by your <em>funds</em> being low"],"sub_product":["<em>Checking</em> account"],"sub_issue":["Non-sufficient <em>funds</em> and associated fees"]},"sort":[21.196224,"13980413"]},{"_index":"complaint-public-v1","_id":"4876980","_score":21.17579,"_source":{"product":"Checking or savings account","complaint_what_happened":"PNC Bank took over all of my BBVA accounts as part of their merger/purchase. My checking account and credit card account are visible on the PNC website and funds are available. However, I also had a Savings Account with BBVA, account number XXXX XXXX XXXX, with a balance of {$3200.00} which as \" disappeared ''. It is not listed on the PNC website. I contacted PNC and after much difficulty, was able to speak with an agent who informed me that the Savings Account was used as security for my BBVA credit card, and that PNC does not use Savings Accounts for credit card security. She explained that the money from that account is now simply a \" deposit '' for the credit card. I have no receipt for that money and PNC is not willing to provide me a receipt for the money. I have a credit card with a limit of {$2800.00} and a Savings Account that had a balance of {$3200.00} - a {$380.00} difference. All I want is a receipt for the funds that were in my Savings Account and a final savings account statement showing what happened to the money that was in it. Right now, I am missing {$3200.00} with no savings account and no receipt showing where that money is. If PNC can not provide a receipt, I want the credit card cancelled ( there is no balance owed on the credit card ) and a check mailed to me ASAP for the {$3200.00} that was in the savings account that PNC closed. \nThank You","date_sent_to_company":"2021-11-04T22:01:45.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"925XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4876980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2021-11-04T21:44:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["My <em>checking</em> account and credit card account are visible on the PNC website and <em>funds</em> are available. However, I also had a <em>Savings</em> Account with BBVA, account number <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, with a balance of {$3200.00} which as \" disappeared ''. It is not listed on the PNC website."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"],"sub_issue":["<em>Funds</em> not received from closed account"]},"sort":[21.17579,"4876980"]},{"_index":"complaint-public-v1","_id":"4981794","_score":21.139273,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have a secured credit card with the same credit union I have my personal checking and savings account. I paid the {$800.00} deposit when I opened the card and unbeknownst to me, the funds were being held in a non-visible area of my savings account. My checking account was compromised back in XXXX XXXX  and the credit union opened new accounts for me. I was notified today that the {$800.00} security deposit was \" mistakenly '' released into my savings account. Back in XXXX when I noticed the {$800.00} in my account, I contacted customer service XXXX times to confirm it was mine. Each time, I was told those were my funds. I just assumed I had an over-sight error on my end.","date_sent_to_company":"2021-12-07T05:37:55.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"90804","tags":null,"has_narrative":true,"complaint_id":"4981794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2021-12-07T00:27:22.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I have a secured credit card with the same credit union I have my personal <em>checking</em> and <em>savings</em> account. I paid the {$800.00} deposit when I opened the card and unbeknownst to me, the <em>funds</em> were being held in a non-visible area of my <em>savings</em> account. My <em>checking</em> account was compromised back in <em>XXXX</em> <em>XXXX</em>  and the credit union opened new accounts for me. I was notified today that the {$800.00} <em>security</em> deposit was \" mistakenly '' released into my <em>savings</em> account."]},"sort":[21.139273,"4981794"]},{"_index":"complaint-public-v1","_id":"11400343","_score":21.015846,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, TD Bank unjustly and unlawfully withdrew {$1900.00} in total from a joint checking and savings account I have with my mother, in addition to restricting and freezing the accounts. TD denied us access to use our funds, including my other savings account thats only owned by me. \n\nMy daughter spoke with TD Bank on XX/XX/XXXX at XXXX XXXX  to inquire and spoken with multiple representatives in customer service and one from the XXXX XXXX  at TD Bank. They both stated they received a XXXX  order from NY State Taxation and Finance for me who is the co-owner of the joint accounts with my daughter. My daughter told TD Bank representatives its unlawful, and TD Bank can not deprive us of our rights to access funds to provide for basic needs and living expenses. My daughter do not have a levy order, and denying her the use of funds is a violation of due process rights under constitution and Regulation E. All the representatives disregarded her statements, including the one from the XXXX department, and proceeded to violate our rights. TD Bank representative from the XXXX department lied by stating NYS must release the order for the restrictions and freeze to be removed. The funds in the joint accounts are exempt from levy we did not require a levy release prior to reinstating the account. \n\nThe sources of income for these accounts are my daughter money from her employer and financial aid, which is exempt from levies. Another source is my Social Security money, which is federal benefits. The joint savings account contains my federal benefits. My Social Security benefits are deposited into the checking account every first XXXX  once a month. The joint checking account that receives the federal benefits deposit then gets transferred to the joint savings account. My daughter stressed and placed severe emphasis to TD Bank employees that under state and federal law theres a certain type of fund that is exempt to pay a debt or judgment, and social security is one of them.\n\nTD Bank can not take funds from either checking or savings accounts because both accounts are a mixture of the funds, hence they are exempt. TD Bank unlawfully deprived my mother of legally receiving and using her funds regardless of a levy issued because her funds are exempt. It's TD Bank 's responsibility to examine the type of funds in the account \nprior to withdrawing for a levy order. TD Bank 's duty is to inform NYS Taxation and Finance that the funds in this bank account can not be taken because its a joint account, and XXXX of the sources of income is social security, which is an exempt fund. \n\nOn XX/XX/year>, my daughter and I spoke with the NYS Taxation and Finance Department, and they called the TD Bank XXXX Department inquiring about the amount and the type of funds that were withheld. XXXX XXXX, a TD Bank employee out of the XXXX department, stated they withheld estimating {$1700.00}. NYS asked what type of funds are in the account ; XXXX XXXX stated she only sees my daughter employer payroll deposits in the account. NYS asked XXXX XXXX if she sees my Social Security benefits in the account, and she stated no. XXXX XXXX, from TD Bank, stated false and incorrect information, which caused us unnecessary expenses by sending supporting documents, such as bank statements, identifying proof of social security benefits via fax to NYS to prove it. Knowing if XXXX XXXX was honest, the levy couldve been removed that day. This caused us undue burden, emotional distress and a violation of our due process.","date_sent_to_company":"2025-01-06T06:05:46.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"90025","tags":null,"has_narrative":true,"complaint_id":"11400343","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-01-06T05:50:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Another source is my Social <em>Security</em> money, which is federal benefits. The joint <em>savings</em> account contains my federal benefits. My Social <em>Security</em> benefits are deposited into the <em>checking</em> account every first <em>XXXX</em>  once a month. The joint <em>checking</em> account that receives the federal benefits deposit then gets transferred to the joint <em>savings</em> account."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Checking</em> account"]},"sort":[21.015846,"11400343"]},{"_index":"complaint-public-v1","_id":"5629130","_score":21.010204,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened both a Citi priority  checking and Citi savings account online on XXXX XXXX. I was instantly approved and funded the accounts by a direct link to from my XXXX XXXX  account. {$5000.00} was sent to checking and {$10000.00} to savings. The money was accepted and withdrawn by Citibank. I received email confirmation of my accounts opening. On XXXX XXXX I received an email stating my accounts were blocked due to \" security reasons to safeguard my information. '' I called citibank and was told I could not have the funds returned electronically. They would be sent via US Mail. The check would be sent by 60 business days. \n\nI do not understand how they can open accounts and accept money from me and THEN do the security check. I am unable to have access to my own money.","date_sent_to_company":"2022-06-02T11:37:27.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"130XX","tags":null,"has_narrative":true,"complaint_id":"5629130","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-06-02T11:04:37.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or missing disclosures"},"highlight":{"complaint_what_happened":["I opened both a Citi priority  <em>checking</em> and Citi <em>savings</em> account online on <em>XXXX</em> <em>XXXX</em>. I was instantly approved and funded the accounts by a direct link to from my <em>XXXX</em> <em>XXXX</em>  account. {$5000.00} was sent to <em>checking</em> and {$10000.00} to <em>savings</em>. The money was accepted and withdrawn by Citibank. I received email confirmation of my accounts opening."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Checking</em> account"]},"sort":[21.010204,"5629130"]},{"_index":"complaint-public-v1","_id":"19462340","_score":20.947737,"_source":{"product":"Checking or savings account","complaint_what_happened":"Second Complaint Repeat Freeze of Protected Funds Under Same Levy related to CFPB Complaint ID : XXXX Summary This complaint concerns repeat freezing of protected Social Security funds under the same active levy previously addressed in CFPB Complaint ID XXXX. \n\nIn that prior complaint, Chase Bank acknowledged that a qualifying deposit was not included during the required two-month lookback account review under 31 CFR 212, governing protection of federal benefit payments from garnishment. \n\nLess than two months after the prior documented deficiency in its lookback review process, Chase Bank again froze protected federal benefit funds under the same active levy. \n\nDetailed Evidence The levy from XXXX XXXX XXXX remains active. \nSince resolution of CFPB Complaint ID XXXX, no non-Social Security deposits have been made into the checking or savings account. \nOn XX/XX/year>, {$1000.00} was transferred from checking to savings. \nImmediately thereafter, Chase placed a hold on {$480.00} in the savings account. \nSince the prior incident, no non-Social Security funds have been deposited into checking or saving account. \nEvery dollar currently in the account consists of Social Security benefit funds. \n\nBecause 100 % of deposited funds consist of Social Security benefits, the held amount represents protected federal benefit funds. \n\nRegulatory Framework Under 31 CFR 212.5 and 212.6, when a levy is processed, a financial institution must : 1. Conduct an account review during the mandatory two-month lookback period 2. Identify all federal benefit deposits during that period 3. Determine the protected amount 4. Ensure that protected funds remain available and are not frozen or remitted Where all funds in the account derive from federal benefit payments within the lookback period, the entire balance constitutes the protected amount. \n\nFreezing {$480.00} under these circumstances indicates that the required lookback review was not properly executed. \n\nPattern of Repeat Conduct After Notice This is not a new levy.\n\nThis is the same levy previously reviewed in CFPB Complaint ID XXXX. \nChase Bank was already placed on notice regarding deficiencies in its execution of the two-month lookback review for this levy process under 31 CFR 212.\n\nThe renewed freezing of protected funds demonstrates failure to properly implement or execute corrective measures following the first complaint.","date_sent_to_company":"2026-02-12T21:16:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"28278","tags":"Older American","has_narrative":true,"complaint_id":"19462340","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-02-12T21:01:31.000Z","state":"NC","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Less than two months after the prior documented deficiency in its lookback review process, Chase Bank again froze protected federal benefit <em>funds</em> under the same active levy. \n\nDetailed Evidence The levy from <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> remains active. \nSince resolution of CFPB Complaint ID <em>XXXX</em>, no non-Social <em>Security</em> deposits have been made into the <em>checking</em> or <em>savings</em> account. \nOn XX/XX/year>, {$1000.00} was transferred from <em>checking</em> to <em>savings</em>."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Checking</em> account"]},"sort":[20.947737,"19462340"]},{"_index":"complaint-public-v1","_id":"4003962","_score":20.648485,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear CFPB- Citibank has misappropriated {$5000.00} of my social security funds in my savings account. I have no words to describe the emotional and psychological harm that this event has caused me. \n\n1. I have had a savings account ( XXXX ) with Citibank for a number of years. \n2. On XX/XX/2020, I opened a checking account with Citibank ( account number : XXXX ) 3. I transferred {$5000.00} from my savings account to my new checking account. These were funds that I received as part of my SSDI Spousal Benefit into my saving account. \n4. On or around early XXXX, I logged into my account and noticed that my checkings account was no longer showing up on my account dashboard. \n5. I went to Citibank at XXXX XXXX XXXX in XXXX XXXX, XX/XX/XXXX and spoke to the branch manager by the name of XXXX XXXX XXXX NMLS # : XXXX ). \n6. I asked her why my account had been closed and where my {$5000.00} in funds were. \n7. She did not have any proper information to provide me. She said that my account had been closed on XX/XX/2020. She did not know why the account had been closed. She suggested that the account my have been closed due to a Citi Sweep and that a check for {$5000.00} had been sent to my address. She made some calls and said she would open an investigation and that I should have my funds within 2 weeks. \n8. I asked her whether the {$5000.00} check sent to my address had been cashed but she had no information regarding the status of the {$5000.00}. She had no idea when the check was mailed out and whether it had been cashed. \n9. It has now been two months since I visited the branch and I have heard nothing from the bank nor have I received my funds for {$5000.00}. \n10. I can only surmise that the bank has misappropriated my social security funds for {$5000.00}. \n\nGiven these Covid times, this is my only source of income and I am struggling to make ends meet while the bank refuses to send back money that I deposited into the checking account ( XXXX ). I still have no idea why my checking account was closed. Incidentally, my savings account continues to be operational and I have been receiving my Social Security funds into the savings account. The bank had no information why one account was kept open while the other was closed. \n\nI need immediate relief. I request you to assist me in recovering my {$5000.00}. This incident has caused me significant stress and health issues in addition to putting my financial situation in significant jeopardy. \n\nI also request that you take any and all appropriate action including any punitive action against this sheer malfeasance on the part of the officers of this bank. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2020-12-10T22:02:45.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"949XX","tags":null,"has_narrative":true,"complaint_id":"4003962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-12-10T21:17:16.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Dear CFPB- Citibank has misappropriated {$5000.00} of my social <em>security</em> <em>funds</em> in my <em>savings</em> account. I have no words to describe the emotional and psychological harm that this event has caused me. \n\n1. I have had a <em>savings</em> account ( <em>XXXX</em> ) with Citibank for a number of years. \n2. On <em>XX/XX</em>/2020, I opened a <em>checking</em> account with Citibank ( account number : <em>XXXX</em> ) 3. I transferred {$5000.00} from my <em>savings</em> account to my new <em>checking</em> account."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"],"sub_issue":["<em>Funds</em> not received from closed account"]},"sort":[20.648485,"4003962"]},{"_index":"complaint-public-v1","_id":"1713647","_score":20.617437,"_source":{"product":"Bank account or service","complaint_what_happened":"Approximately one year ago myself and my son both opened a savings and checking account with US Bank. I am a XXXX, and my son XXXX. \nIn XXXX 2015 my son inadvertently deposited a check into my savings account without my knowledge for {$2200.00}. US Bank DID NOT place a hold on the check and my son withdrew all the money and spent it, again without my knowledge. On or around XXXX XXXX, 2015 the check was returned unpaid and stamped refer to maker and, the account was overdrawn over {$2000.00}. My social security benefits and pension check are automatically deposited into my checking account. When the check was returned unpaid I had {$700.00} in my checking account and US Bank transferred that money into the overdrawn savings account. I learned about this when I went into one of the branches to cash a check for cash. The teller told me that the savings account was joint with my son, and they had right of offset. I never added my son or authorized anyone to include him as a joint signer. That would make no sense as we both had our own accounts. \nOn XX/XX/2015 when my social security benefits and pension were deposited into my checking account, US Bank would NOT let me withdrawal any funds until the overdrawn savings account was covered. \nI am almost XXXX years old a XXXX Veteran, a widower, and fighting XXXX. My social security and my pension are my only source of income and what I rely to live on. \nI feel I should NOT be responsible for something my Son created and, I had no knowledge of. \nI reaching out to CFPB because US Bank will still not let me have access to my money. \nI thank you in advance, and look forward to some assistance","date_sent_to_company":"2015-12-23T04:49:22.000Z","issue":"Deposits and withdrawals","sub_product":"Checking account","zip_code":"89110","tags":"Older American","has_narrative":true,"complaint_id":"1713647","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2015-12-23T04:49:21.000Z","state":"NV","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["On <em>XX/XX</em>/2015 when my social <em>security</em> benefits and pension were deposited into my <em>checking</em> account, US Bank would NOT let me withdrawal any <em>funds</em> until the overdrawn <em>savings</em> account was covered. \nI am almost <em>XXXX</em> years old a <em>XXXX</em> Veteran, a widower, and fighting <em>XXXX</em>. My social <em>security</em> and my pension are my only source of income and what I rely to live on. \nI feel I should NOT be responsible for something my Son created and, I had no knowledge of."],"sub_product":["<em>Checking</em> account"]},"sort":[20.617437,"1713647"]},{"_index":"complaint-public-v1","_id":"13599914","_score":20.5957,"_source":{"product":"Checking or savings account","complaint_what_happened":"My Name is XXXX XXXX. Husband 's name is XXXX XXXX. I did not receive a bank deposit for my social security however my husband does. I am only on his account for emergency purposes. Wells Fargo allowed a writ of garnishment against me by XXXX to be deducted from his social security funds. His deposit goes from his checking to his savings. Wells Fargo says social is not protected when it is in a savings account. Wells Fargo said Social Security is not protected in a savings account. Now my husband can not make his car payment and he is a vet and he can not buy medical supplies from being injured in XXXX. I have told XXXX multiple times I do not get a bank deposit.","date_sent_to_company":"2025-06-18T18:25:26.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"27545","tags":null,"has_narrative":true,"complaint_id":"13599914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-05-19T16:42:03.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["My Name is <em>XXXX</em> <em>XXXX</em>. Husband 's name is <em>XXXX</em> <em>XXXX</em>. I did not receive a bank deposit for my social <em>security</em> however my husband does. I am only on his account for emergency purposes. Wells Fargo allowed a writ of garnishment against me by <em>XXXX</em> to be deducted from his social <em>security</em> <em>funds</em>. His deposit goes from his <em>checking</em> to his <em>savings</em>. Wells Fargo says social is not protected when it is in a <em>savings</em> account. Wells Fargo said Social <em>Security</em> is not protected in a <em>savings</em> account."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[20.5957,"13599914"]},{"_index":"complaint-public-v1","_id":"6779090","_score":20.568953,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was a member of the Wells Fargo bank in XXXX ms about 8 months ago and todays date is XX/XX/XXXX at XXXX I think it was around this time when I first got the memo from them Ill enclose my case number later on in this reference anyway I had both a checking and a savings account at Wells Fargo in XXXX ms its located on the XXXXXXXX XXXX XXXX XXXX XXXX  Ive never received any funds in either accounts that wasnt from social security and this money was for my children I have two disabled children a legal from the XXXX had been taken out on me however they was able to take my kids money out of one of these accounts I had switched the funds from ny checking account yo my savings account that morning bc they was hitting me with all those overdraft fees so thru say the reason the XXXX was able to garnish those funds was bc they werent protected funds once I moved them from my checking to my savings account and the balance hadn't changed one social security sent them thus is my banking establishment that knew I was getting funds in those accounts for my children from social security no other money nothing for myself I had an order on me from XXXX not my children so I contacted them then I contacted the department of revenue then I filed a claim through XXXX XXXX and then they set me up with ghe XXXX  by way of the XXXX I didnt understand much going forward however they said the case had been closed and I should file in small claims court and Wells Fargo has closed my account I just found. that out XX/XX/XXXX Im giving you the case number Case Number : XXXX now if you need anything else after that please contact me via email thank you in advance XXXX XXXX","date_sent_to_company":"2023-03-31T16:08:02.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"39401","tags":null,"has_narrative":true,"complaint_id":"6779090","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-03-31T15:36:52.000Z","state":"MS","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":["legal from the <em>XXXX</em> had been taken out on me however they was able to take my kids money out of one of these accounts I had switched the <em>funds</em> from ny <em>checking</em> account yo my <em>savings</em> account that morning bc they was hitting me with all those overdraft fees so thru say the reason the <em>XXXX</em> was able to garnish those <em>funds</em> was bc they werent protected <em>funds</em> once I moved them from my <em>checking</em> to my <em>savings</em> account and the balance hadn't changed one social <em>security</em> sent them thus is my banking establishment"],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[20.568953,"6779090"]},{"_index":"complaint-public-v1","_id":"5652835","_score":20.558336,"_source":{"product":"Checking or savings account","complaint_what_happened":"The Discover Bank sent me a email stating that they were writing to let me know that they believed that they noticed unusual activity on my accounts ending in checking XXXX, and savings XXXX. And so they had suspended access to my account. I don't believe that there was anything suspicious ; and so I had spoken to a customer service representative or security team through XX/XX/XXXX to XX/XX/2022 about the situation. The customer service representative or security team was not able to give any information about the situation, or when the issue would be resolved. I had spoke to them between XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the security team stated despite the outcome, were still not able to reverse our decision, and it was just a business decision. They stated that I would have to wait between 60 to 90 days for them to mail or access my funds. I ask them is there a way I can go directly to the local branch to withdraw my own funds, so I can continue to make payments on my bills ; but the customer representative or security team stated that the local branch does not have access over bank accounts that has been suspended or frozen ; as my checking and savings account was in good standing. I just want to know what my rights are, because I believe I have not did anything that they believe would be illegal, and there was not any suspicious activity from my checking ending in XXXX, and savings ending in XXXX. They suspended or closed my account without me being notified in advance, and only found out the account was frozen when I logged into my bank account. My credit card with Discover was still active, but I needed my own funds so that I may be able to continue to make payments on my bills.","date_sent_to_company":"2022-06-10T01:31:13.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"40509","tags":null,"has_narrative":true,"complaint_id":"5652835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2022-06-10T00:21:44.000Z","state":"KY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The Discover Bank sent me a email stating that they were writing to let me know that they believed that they noticed unusual activity on my accounts ending in <em>checking</em> <em>XXXX</em>, and <em>savings</em> <em>XXXX</em>. And so they had suspended access to my account. I don't believe that there was anything suspicious ; and so I had spoken to a customer service representative or <em>security</em> team through XX/XX/<em>XXXX</em> to <em>XX/XX</em>/2022 about the situation."],"product":["<em>Checking</em> or <em>savings</em> account"]},"sort":[20.558336,"5652835"]},{"_index":"complaint-public-v1","_id":"8920767","_score":20.530302,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, the wire transfer of {$49000.00} from my fathers account in XXXX XXXXXXXX XXXX arrived in my savings account. \nOn XX/XX/XXXX, the wire transfer of {$50000.00} from my mothers account in XXXXXXXX XXXX XXXX arrived in my savings account. \nOn XX/XX/XXXX, my checking and savings accounts were restricted. \nOn XX/XX/XXXX, my savings account was closed. \nOn XX/XX/XXXX, my checking account was closed. \nOn XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX. No update. My remaining balance in both accounts are suspended due to investigation. \nOn XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. \nOn XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. \nOn XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. \nOn XX/XX/XXXX, I filed a consumer complaint through XXXX. \nOn XX/XX/XXXX, Chase sent me a letter, insisting that the remaining funds continue to be under review. \nOn XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. \nOn XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. \nOn XX/XX/XXXX, All the remaining funds in both accounts, at the amount of {$2900.00} and {$91000.00}, were suspended for 154 days. I decided to file this complaint through the CFPB and seek attorney consults. \n\nMy checking and savings accounts were opened in XX/XX/XXXX, in XXXX, Wisconsin. My mother and father have sent me wire transfers of similar amounts from XXXX to XXXX to support my XXXX and XXXX XXXX  spendings. \nThe wire transfers on XX/XX/XXXX and XX/XX/XXXX from them are planned for buying a house in the future.","date_sent_to_company":"2024-05-03T23:05:45.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"07302","tags":null,"has_narrative":true,"complaint_id":"8920767","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-03T22:17:02.000Z","state":"NJ","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, the wire transfer of {$49000.00} from my fathers account in <em>XXXX</em> XXXXXXXX <em>XXXX</em> arrived in my <em>savings</em> account. \nOn XX/XX/<em>XXXX</em>, the wire transfer of {$50000.00} from my mothers account in XXXXXXXX <em>XXXX</em> <em>XXXX</em> arrived in my <em>savings</em> account. \nOn XX/XX/<em>XXXX</em>, my <em>checking</em> and <em>savings</em> accounts were restricted. \nOn XX/XX/<em>XXXX</em>, my <em>savings</em> account was closed. \nOn XX/XX/<em>XXXX</em>, my <em>checking</em> account was closed. \nOn XX/XX/<em>XXXX</em>, I called Chase fraud <em>security</em> service ( <em>XXXX</em> ) <em>XXXX</em>. No update."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"],"sub_issue":["<em>Funds</em> not received from closed account"]},"sort":[20.530302,"8920767"]},{"_index":"complaint-public-v1","_id":"2706818","_score":20.503643,"_source":{"product":"Checking or savings account","complaint_what_happened":"Someone went into Huntington National Bank and cashed a check in the amount of {$1200.00} dollars, clearing out my personal and savings account, leaving me PENNYLESS. The bank acknowledge the many Red Flags that should have been caught with the cashing of this check- calling me to verify, another security check by the individual who overrode the check, etc. \nAs of ths date I am still PENNYLESS and the bank has not refunded my funds. They also failed to properly file my complaint via the XXXX number causing the complaint to be closed leaving me without any funds.","date_sent_to_company":"2017-10-19T17:47:07.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"44120","tags":null,"has_narrative":true,"complaint_id":"2706818","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2017-10-19T17:36:33.000Z","state":"OH","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Someone went into Huntington National Bank and cashed a <em>check</em> in the amount of {$1200.00} dollars, clearing out my personal and <em>savings</em> account, leaving me PENNYLESS. The bank acknowledge the many Red Flags that should have been caught with the cashing of this <em>check</em>- calling me to verify, another <em>security</em> <em>check</em> by the individual who overrode the <em>check</em>, etc. \nAs of ths date I am still PENNYLESS and the bank has not refunded my <em>funds</em>."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Checking</em> account"]},"sort":[20.503643,"2706818"]},{"_index":"complaint-public-v1","_id":"10000969","_score":20.501223,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was not able to login to my account or use my ATM card. I called citibank on XX/XX/XXXX, they stated there would be a letter explaining the reason for the closure of my account. That my account would close in 60 days, and any funds that were in my account would be mailed to me. I received a check for the amount that was in my checking account, but still have not received a check for the amount of {$980.00} ( I believe ) that is in my savings account. Called several times, and customer service representatives keeping saying it's has something to do with security, so my account is still open, it's been almost 90 days and I still have not received a check for the amount that is in my savings account. It's XX/XX/XXXX and still no check from my savings account and no letter explaining the reason for closing my account.","date_sent_to_company":"2024-09-03T22:19:33.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"11201","tags":null,"has_narrative":true,"complaint_id":"10000969","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-09-03T21:24:17.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Called several times, and customer service representatives keeping saying it's has something to do with <em>security</em>, so my account is still open, it's been almost 90 days and I still have not received a <em>check</em> for the amount that is in my <em>savings</em> account. It's XX/XX/<em>XXXX</em> and still no <em>check</em> from my <em>savings</em> account and no letter explaining the reason for closing my account."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[20.501223,"10000969"]},{"_index":"complaint-public-v1","_id":"2122577","_score":20.433025,"_source":{"product":"Bank account or service","complaint_what_happened":"Hello, This email is in reference to the fraud department at Wells Fargo Bank committing fraud. I transferred {$4700.00} in funds from my WF savings to my WF checking account online with Wells Fargo on XX/XX/2016, which made my balance a total of {$4700.00}. I received word from WF asking if I made this transfer of funds. I confirmed the transfer was legitimate and I in fact made the transfer. I then wrote a check in the amount of {$3800.00}. When the check came through my checking account I received word from Wells Fargo Fraud Dept that there was a check that came through and asked if I wrote the check. I confirmed the check was legitimate and that I had written the check. I confirmed all security information once again. Even though I cleared their suspicions, the fraud department never lifted the hold on my checking account and then charged me {$35.00} in NSF charges. I called the bank to clear up the issue and asked that they refund the {$35.00} in NSF charges and clear the check. They assured me the hold was lifted and that they would refund me the NSF charges. They suggested the person I wrote the check to put the check back through my account, so they did so. Wells Fargo Fraud department still had a hold on my account AND charged me ANOTHER {$35.00} for NSF. I was unable to obtain my funds that I very much needed at the time! I do not have a WF branch in the state that I moved to but luckily I was on vacation and happened to stop by a WF branch to withdraw the money in person that I owed to the person that I wrote the check to previously -- had n't I done that I still would not be able to access my funds. I then called the WF Fraud department back today asking them to refund the XXXX NSF charges and was informed that I was only going to be refunded {$17.00} for one of them as a \" courtesy. '' They explained that when the check came through the transfer of the funds from my savings account to my checking account \" had n't yet cleared '' ( BECAUSE THEY HAD THE HOLD ON MY CHECKING ACCOUNT THINKING THE TRANSFER OF FUNDS FROM SAVINGS WAS FRAUDULANT ) and that was the reason for the NSF charge. I was never told this the 2 other times I called about the NSF charges, nor when I stopped by the branch -- they always agreed the charges were in error and agreed to credit my account. When you make a funds transfer from savings to checking, there is NO WHERE on the website that states the funds will not be available for any period of time. In fact, it states they are available immediately, as reflected in the balance. Today I transferred more funds from my savings to my checking account just to see if the system would state that the funds would take time to become available and it did not. The system stated that the funds were AVAILABLE under \" available balance. '' I will attach all proof. \nThank you for any assistance that you can give me. \nXXXX","date_sent_to_company":"2016-09-20T18:27:03.000Z","issue":"Making/receiving payments, sending money","sub_product":"Checking account","zip_code":"633XX","tags":null,"has_narrative":true,"complaint_id":"2122577","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-09-20T18:27:02.000Z","state":"MO","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 transferred {$4700.00} in <em>funds</em> from my WF <em>savings</em> to my WF <em>checking</em> account online with Wells Fargo on <em>XX/XX</em>/2016, which made my balance a total of {$4700.00}. I received word from WF asking if I made this transfer of <em>funds</em>. I confirmed the transfer was legitimate and I in fact made the transfer. I then wrote a <em>check</em> in the amount of {$3800.00}."],"sub_product":["<em>Checking</em> account"]},"sort":[20.433025,"2122577"]},{"_index":"complaint-public-v1","_id":"4987430","_score":20.416458,"_source":{"product":"Checking or savings account","complaint_what_happened":"My name is XXXX XXXX and I have a savings account with Barclays BankXXXX XXXX. \n\nThe savings account that XXXX has neither offers checks nor provides any debit card for money withdrawals as it is an \" only online '' savings account. This is how the product has been designed by XXXX. \n\nNow, considering \" online transfer '' is the only way for money withdrawal, the bank has recently started troubling and harassing both me and my wife who holds savings account with the bank. \n\nEarlier we used to authenticate the external account by verifying through trial deposits that are initiated by XXXX account. \nNow, XXXX enforcing me to provide a bank statement. This is an issue for us as we transfer to most of the times newly opened accounts. \n\nWhen approached the bank, the bank has highlighted the reason for asking bank statement for external accounts as the security protocols. \nWhile I believe this is more looks like a way of holding funds for 30 days until the bank statement is generated for external bank accounts. \n\nI am filing this complaint against Barclays Bank for following malpractices and using the security protocols as the reason for holding the customer 's funds wherein the bank is now allowing me to transfer funds to newly added external bank accounts for 30 days ( until the bank statement generates ). \n\nBest Regards, XXXX XXXX.","date_sent_to_company":"2021-12-07T23:14:48.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"28277","tags":null,"has_narrative":true,"complaint_id":"4987430","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2021-12-07T22:46:58.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["My name is <em>XXXX</em> <em>XXXX</em> and I have a <em>savings</em> account with Barclays Bank<em>XXXX</em> <em>XXXX</em>. \n\nThe <em>savings</em> account that <em>XXXX</em> has neither offers <em>checks</em> nor provides any debit card for money withdrawals as it is an \" only online '' <em>savings</em> account. This is how the product has been designed by <em>XXXX</em>. \n\nNow, considering \" online transfer '' is the only way for money withdrawal, the bank has recently started troubling and harassing both me and my wife who holds <em>savings</em> account with the bank."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[20.416458,"4987430"]},{"_index":"complaint-public-v1","_id":"11400244","_score":20.390518,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, TD Bank unjustly and unlawfully withdrew {$1900.00} in total from a joint checking and savings account I have with my mother, in addition to restricting and freezing the accounts. TD denied us access to use our funds, including my other savings account thats only owned by me. \n\nI called TD Bank on XX/XX/XXXX to inquire about it. I spoke with multiple representatives in customer service and XXXX from the XXXX department at TD Bank. They both stated they received a levy order from NY XXXX XXXXXXXX XXXX XXXXXXXX for my mother, who is the co-owner of the joint accounts. I told TD Bank representatives this is illegal, and TD Bank can not deprive me of rights to access my funds to provide for basic needs and living expenses and taking exempt funds. I do not have a levy order, and denying me the use of my funds is a violation of my due process rights provided by the constitution and Regulation E. All the representatives disregarded my statements, including the one from the levy department, and proceeded to violate our rights. TD Bank representative from the levy department lied by stating XXXX must release the order for the restrictions and freeze to be removed. The funds in the joint accounts are exempt from XXXX we did not require a XXXX  release prior to reinstating the account. \n\nThe sources of income for these accounts are my money from my employer and from financial aid from law school which is exempt from levies. Another source is my mother 's only income of Social Security money, which is federal benefits. The joint savings account contains my mother federal benefits. My mother 's Social Security benefits are deposited into the checking account every first Saturday once a month every month. The joint checking account that receives the federal benefits deposited then gets transferred to the joint savings account. I stressed and placed severe emphasis to TD Bank employees that under state and federal law theres a certain type of funds that is exempt to pay a debt or judgment, and social security is XXXX of them. TD Bank can not take my money to pay for my mother 's judgment due to it being a joint account because I do not have a levy order, and its non spouse. \n\nTD Bank can not take funds from either checking or savings accounts because both accounts are a mixture of the funds, hence they are exempt. TD Bank unlawfully deprived my mother of legally receiving and using her funds regardless of a levy issued because her funds are exempt. It's TD Bank 's responsibility to examine the type of funds in the account prior to withdrawing for a levy order. TD Bank 's duty is to inform NY State that the funds in this bank account can not be taken because its a joint account, and XXXX of the sources of income is social security, which is an exempt fund. \nOn XX/XX/year>, my mother and I spoke with the XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and they called the TD Bank XXXX Department inquiring about the amount and the type of funds that were withheld. XXXX XXXX, a TD Bank employee out of the XXXX department, stated they withheld estimating {$1700.00}. XXXX asked what type of funds are in the account ; XXXX XXXX stated she only sees my employer deposits in the account. XXXX asked XXXX XXXX if she sees my mother 's Social Security benefits in the account, and she stated no. XXXX XXXX, from TD Bank, stated false and incorrect information, which caused us unnecessary expenses by sending supporting documents, such as bank statements, identifying proof of social security benefits via fax to XXXX to prove it. If XXXX XXXX was honest and did her job, the levy couldve been removed that day. This caused us undue burden, emotional distress and a violation of our due process.","date_sent_to_company":"2025-01-06T07:58:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90025","tags":null,"has_narrative":true,"complaint_id":"11400244","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-01-06T07:49:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The joint <em>savings</em> account contains my mother federal benefits. My mother 's Social <em>Security</em> benefits are deposited into the <em>checking</em> account every first Saturday once a month every month. The joint <em>checking</em> account that receives the federal benefits deposited then gets transferred to the joint <em>savings</em> account."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Checking</em> account"]},"sort":[20.390518,"11400244"]},{"_index":"complaint-public-v1","_id":"20069108","_score":20.302345,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year> an employee of Bank of America violated my privacy rights and provided private information to XXXX XXXX and XXXX XXXX with when my savings account was opened and the Bank the funds came from and the exact amount deposited. The employee also provided when my checking account was opened and where the funds came from and the exact amount deposited. The savings and checking accounts were in my name and my father 's only. The family law attorney we met with stated to all of us that these two accounts belonged to me. When XXXX and XXXX went to XXXX Bank for account information they were told Social Security advised that my father passed away and they placed a decedent hold on the accounts and no information was provided. Please make sure no more information about my accounts is provided to anyone.","date_sent_to_company":"2026-03-07T19:50:44.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"32137","tags":"Older American","has_narrative":true,"complaint_id":"20069108","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-03-07T19:23:42.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["On XX/XX/year> an employee of Bank of America violated my privacy rights and provided private information to <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> with when my <em>savings</em> account was opened and the Bank the <em>funds</em> came from and the exact amount deposited. The employee also provided when my <em>checking</em> account was opened and where the <em>funds</em> came from and the exact amount deposited. The <em>savings</em> and <em>checking</em> accounts were in my name and my father 's only."],"product":["<em>Checking</em> or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"],"sub_issue":["<em>Funds</em> not handled or disbursed as instructed"]},"sort":[20.302345,"20069108"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1240,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1240}]}},"product":{"doc_count":1240,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":878,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":540},{"key":"Savings account","doc_count":256},{"key":"Other banking product or service","doc_count":74},{"key":"CD (Certificate of Deposit)","doc_count":8}]}},{"key":"Money transfer, virtual currency, or money 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