Consumer complaint received 2019-08-14
Company: CHARLES SCHWAB CORPORATION, THE
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Thursday XX/XX/2019 I opened a High-Yield Investor Checking account at Charles Schwab Bank in the amount of XXXX-XXXX  XXXX XXXX XXXX-XXXX Dollars { {$3400.00} } said account was immediately opened then funded with absolutely NO requirements of me and NO restrictions. 

I was immediately sent a VISA debit card and checks that I did NOT ask for, had I been asked I would have refused because VISA cards can not or do not fully accomodate my full lawful, legal name. I NEVER ALLOW my name to be truncated and normally I would sue VISA and win because I NEVER asked VISA for anything, but I decided to skip that drama, shred the card, and close said account until people do what I tell them to do regarding my money and my life. 

I thought I finally would be treated with a modicum of respect when I opened an account at Charles Schwab Bank, they made me feel safe and I even referred my mother as a family member so Charles Schwab Bank could become trustee over my Trust. However, I quickly realized Charles Schwab Bank 's treament of me was all a fasad and once again I was trapped between a living nightmare and the twilight zone. 

My logic is easy, plain, and simple that even a little child can understand it and understand that NO! means NO! I told Charles Schwab Bank stop apologizing to me after they learned I'm a Domestic Violence XXXX/XXXX XXXX Survior living through the aftermath of XXXX XXXX and XXXX XXXX. For said reason I don't have to comply with anything they've demanded of me -- -after-the-fact emphasis on after-the-fact. 

I respectfully accept and understand anyone 's regulations and rules about anything, but I stated My MONEY is Mine and you CAN NOT keep it, have it, or take it because I have my own federal laws, regulations, and rules that I must and do abide by, and live by everyday that keep me safe as a Domestic Violence XXXX/XXXX XXXX Survior. 

I am not difficult with anyone I am straightforward, and truthful -- -always, but as I stated to XXXX of the verification department at Charles Schwab Bank on Tuesday XX/XX/2019 there is a part of my life they will never access because it is sealed in one aspect and behind a locked vault in another. I stated I don't care if they accept that, but they have to atleast respect that because it will NEVER change and I will NEVER change so just give me back all my money. 

I don't expect partiality, or preferential treatment regarding what has happened to me in my past because I don't have a victim 's mentality. However ; I do have a problem with Charles Schwab Bank receving me as a client with open arms and then afterwards demanding I comply with something that I would have NEVER consented to in order to become their client in the first place. 

I DID NOT CONSENT to give them anything more after-the-fact. Trying to force me to comply to anything and retalitating against me when I don't or won't NEVER works on me -- -it never has -- -and it NEVER will. If you try to circumvent the federal laws that were made to protect me and my annoymity then you are going to be in for one XXXX-OF-A-FIGHT because I'm NOT going to stand for it NOR will I tolerate it. 

All I want is my money back and to NOT have anymore dealings with Charles Schwab Bank for the rest of my natural life. I'm going to reach out to the METOO movement and XXXX XXXX about what is happening to me over, and over, and over again with no justification for it whatsoever, but to aid, assist, and help that XXXX assailant track me down to finish what he started or physically harm or XXXX my elderly mother to get to me in the process. 

Charles Schwab Bank with intentional, willful, malice bounced two checks I made to XXXX. XXXX funded my last round of XXXX XXXX medications and my mother and I have had a wonderful relationship with XXXX for nearly two years. 
This was extremely disheartening for me to know Charles Schwab Bank dishonered both payments when I've made every payment to XXXX and never late once. 

On Tuesday XX/XX/2019 I opened up a chat and spoke with XXXX requesting a manager or supervisor in account closings she refused to escalate said chat then transferred me to their verification department instead. I closed said chat and gave her a survey score of all zeros. 

I informed someone named XXXX in the Charles Schwab Bank verification department that I received a letter on Tuesday XX/XX/2019 at XXXX XXXX from said department with demands of me with an imminent deadline addressed to me with my lawful, legal, name mispelled. I made a decision to close said account because anyone asinine { and/or } incomptent enough to mispell my name from a verfication department will NEVER be allowed to deal with { and/or } handle my financial money affairs. 

I am forever unforgiving of any instance of tampering with my lawful, legal name because that is the epitome of where felony fraud begins and it always ends with full-blown identity-theft. I received alot of apologies on Tuesday XX/XX/2019 from Charles Schwab Bank associates after I revealed I can't conform to anyonelse 's deadlines about anything except my own due to XXXX  XXXX   XXXX and everything I do has to be booked { and/or } scheduled with a third party person and driver -- -on their time not mine. 

I demanded my money back and going forward I just won't put anymore of it in any financial institution because they befriend me then they betray me the instance I attempt to use my own money for medical reasons. Charles Schwab Bank locked and froze my account knowing full well I will never give them anything more than what they asked for in their application, but anything else after-the-fact -- -NEVER come XXXX or come HIGH WATER. 
No one at said foregoing address is going to communicate with Charles Schwab Bank any further except via legal retained counsel for punitive damages. 

Please be advised I spoke with a Charles Schwab Bank supervisor named XXXX XXXX extension XXXX on Tuesday XX/XX/2019 who promised to overnight my funds via check and email me the tracking number. He stated he would call back as soon as said funds via check was on the truck. XXXX never called back and I never received a tracking number. 

I've battled against XXXX XXXX XXXX and XXXX for the past three days due to not having access to my XXXX and XXXX XXXX medications. My XXXX year-old elderly mother 's home is now headed to foreclosure because of Charles Schwab Bank deliberate, intentional, willful malice towards us both. My funds were to also be allocated for mortgage payment. 

I will continually file this same complaint everyday, everyweek, and every month until my money is returned to me and back in my hands where it belongs. I will not be speaking to anyone at Charles Schwab Bank again because they continually call me outside of my name when I do, then record my responses when I defend myself against that crass and uncivility. 

It's important for my health and my life that I remain calm and without any added uneccessary stress and this is the main reason they won't give back my money. Not giving back my money will cause my death and the death of my elderly mother. Hold these despicable, sickening, and vile Charles Schwab Bank associates accountable for their asinine, heinous, and vicious actions toward us. Again, all I want is my money -- -it is mine -- -and that is simple. 

Thank-you kindly, your immediate attention, careful consideration, and full cooperation in this matter is greatly appreciated. Charles Schwab Bank may withold a XXXX XXXX Delivery Fee from said remitted funds. Please direct, instruct, { and/or } force Charles Schwab Bank to refund and remit payment in the amount of XXXX XXXX XXXX XXXX Dollars and XXXX Cents { {$3400.00} } by XXXX Overnight Delivery to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX

Company response to consumer: Closed with explanation