Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CRED Technologies dba cred.ai (AZ)

On XX/XX/2024 I noticed in my bank account that there was a discrepancies on how much money should have been in there on that day when I first noticed it I was assuming they were supposed to be {$50.00} left in my account because of charges and fees and things like that I made and did, and my account was supposed to be {$50.00} Instead it was showing my account was it XXXX dollars online and the XXXX or Credit AI website so I decided to try and call him 24 hour emergency line and explain this to them. They told me that on that day Friday one to three business days and escalated person from their company would check on it for me, they told me theres nothing they could do in the meantime for me about the missing money despite the fact that I thought I was supposed to have at least {$50.00} in my account so on Saturday the next day I noticed after a deposit I had made Saturday electronically from another bank account that my account was still at XXXX despite my having made a deposit for {$30.00} electronically so I called up again and I spoke to someone there who told me that they can not tell me what the money was they can not tell me what was going on that it would have to be escalated to another person so now I was missing approximately {$80.00} the XXXX and {$30.00} deposit this is the first time I was told that my bank account was supposed to be XXXX despite the fact that Credit AI has a mandatory policy and effect that your account can not go below XXXX because it is treated as a debit card and they will not let you overdraft it and they will not let you make charges for money that you do not have so I was perplexed and flabbergasted why my account could be XXXX supposedly when it supposed to be at {$80.00} The next day Sunday I made another deposit to try and see if it would make my account correct so I made the deposit for {$44.00} electronically. It showed the account had accepted the deposit it showed the account had credited deposit but it still showed my deposit amount account was XXXX, so I called again the 24 hour emergency line, they told me that they did not know why now my account was it XXXX even though it supposed to be at approximately over {$100.00} almost {$120.00} and they said that someone will be contacting me via email that they would not let me could talk to this person who these people that would be able to solve this for me because they were only available to email and they are not available to phone. Theyre not allowed to give out their number theyre not allowed to give out their names so I was not able to talk to anyone and make any progress and fixing my account. It is now Sunday three days after I made the original Discovery and I still was at XXXX still had no access to my money and I was suffering because I needed money for gas. I need money for food. I tried to explain to the bank people over the phone and they would not give me any information and they were saying that they had no information about it at all so I decided to this time try and contact Cfbp because I do not believe that Credit AI or XXXX had my best interest in mind they had not issued me any type of provisional credit like it says in their terms like most banks were due. They had not made any progress with me and had not let me talk to anyone who would tell me anything about this charger where the money was