Consumer complaint received 2023-04-04
Company: Dave Operating, LLC
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an online checking/spending account with Dave/Dave.com - it's a mobile app that also has a checking account with a debit card. I used my Dave checking and debit card for most of XXXX, up until they closed my account around XXXX, XXXX, for NO reason and without warning. I still had money in my checking account but was obviously not allowed to use my debit card and get the remaining funds from my account. Dave also would give you advances based off an algorithm that calculated your spending, gross income deposits + misc deposits and numerous other factors, I'm sure. Any advance that I requested was ALWAYS paid back on time, so yet another reason why I was shocked when they closed my account. 
I submitted several emails to their " Support '' inbox but responses were definitely system generated and they always covered their own XXXX  with the responses - ultimately I got nowhere so I left it be. These past few weeks and for most of XXXX so far, I have been taking serious control of my finances and all that's associated with that, so I reached out to this despicable excuse of a customer support email again, SAME response, which I have copied and pasted below for your review and for the complaint. I also tried calling several times to speak to an actual human, but the system picked up my phone number and just told me that " my account was closed '' and did not let me speak to a Representative. I did nothing to deserve a sudden closure of my account and abided by all of their rules and all I am trying to do is get my account opened back up or at the very minimum get my money they stole! I've been in banking for my entire adult career ( Started in XXXX as a Personal Banker at XXXX XXXXXXXX XXXX  ) and I am still in the Finance Industry to this day - I know what customer service is and I know this is the complete disregard for customer service. Not to mention, they have stolen from me and they want you to think they're donating money to charities with their fees they charge... really makes me wonder if that is remotely even true with how they treat their customers or former customers. These companies are handling your financial and personal information and they can't even talk to you on the phone and all you get is automated responses via an email thread for their Customer Success team??!! I am outraged and will not stand for this any longer- I am done being taken advantage of by companies like this and getting ignored. Please see below email response from their so called " Customer Success Team. '' Comical and asinine... 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, Dave has closed your account. 

Per the agreed-upon terms linked below : Dave may terminate this Agreement at any time without notice, or suspend or terminate your access and use of the Mobile App, dave.com or the Services at any time, with or without cause, in Dave 's absolute discretion and without notice ..XXXX XXXX XXXX XXXX  At this time we are unable to provide further information nor are we able to provide further services. 

I apologize for any inconvenience! 

Dave 's Friend, XXXX

Company response to consumer: Closed with explanation