Consumer complaint received 2022-11-22
Company: BANKMOBILE TECHNOLOGIES, INC
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX at XXXX, I received an email in reference to my XXXX XXXX account. The email stated & is included, that my account was restricted & needed to go through a XXXX day process of review. If the XXXX XXXX XXXX department seen fit that SHE ( XXXX XXXX ) would allow me to have access to my account & it would be reinstated. About a week earlier, I had gone through the same exact incident but after XXXX hours my account was reinstated with no problem. Flash forward to today, XX/XX/XXXX, I had not received any phone calls, any type of communication that I had attempted to gain a response as to why my account was restricted & what I could do to reinstated was ignored. I was told that no one could give me any explanation & that I just need to wait. From the XXXX - the XXXX I called multiple times, several times a day just to get no real answers or a solution in what I have to do. 

Please take not that the Loss & Prevention specialisXXXX XXXX was no help at all. The first time around when my account was restricted to contacted me & accused me of stealing from my own account ( I helped an individual with a start up business that never left its feet. In return, he placed my name on the XXXX & XXXX account for a period of time so I could transfer the funds to my XXXX XXXX  Account as a form of payment. ) XXXX acted as if I was a criminal & spoke to me so degradingly that when I reacted to her nastiness, she hung up on me. This time around, when XXXX was spoken with, she told me ( on XX/XX/XXXX ) that my account would be closed & shed send a check of my remaining funds. When I questioned as to why this was taking place, she told me that she didnt have to explain & that the bank had the right to close the account down for any reason they seen fit. When I asked to speak with her boss, she told me shed direct my call & hung up on me. I was furious at this point! I called the main number for XXXX XXXX & informed them of what just took place. I also informed the woman I spoke with, during the call back that I was missing transfer amounts ( notifications screenshots included ) she put me on hold & after a few seconds, those exact transfers just magically came through. When she came back on the line, I informed the woman of the transfers showing up & she acted as if she was just soooo surprised. 

Flash forward to today, XX/XX/XXXX, XXXX would not return any calls & at of XXXX, my account was still open. Neither my savings nor checking had been touched. Both were still restricted. Why they were not closed when I was informed they would be yet closed today, makes absolutely no sense at all. How did XXXX know they would be closed BEFORE the investigation even took place? Why could XXXX not be able to provide a reasoning as to why my accounts was to be closed. I always have a larger amount of funds available, I have never been in the negative, I dont own money to XXXX  - my account is in good standing. My point is I dont fit the criteria for XXXX to be able to close my accounts & not owe me a reasonable explanation as to why. 

After reading all the bad reviews, these last few days, I have my doubts that the money will ever showed up. I believe this woman XXXX is the head of the operation, taking lead on scamming, not just myself but hundreds, maybe more out of there money. I am out {$5500.00} cents. If I do not go through this channel or ask for legal help, I fear I will never see that money again. I would also like to make note that when I asked to be provided a tracking number for the check, I was told that they do not issue tracking numbers for checks. Im a reseller, I know that USPS alone will issue a free insurance for any package that is worth more than {$500.00}. So, to not have a check with a value of over {$5000.00} not insured, seems like a really bad decision on XXXX part. I sincerely hope that I can get, not just my lost finances returned, but everyone who is dealing with this exact same problem, is reimbursed. I also hope the XXXX is help responsible & XXXX XXXX  is shut down once & for all!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation