Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOUTHSTATE CORPORATION (GA)

On XXXX XXXX I needed extra cash for an emergency that occur so I went and XXXX  my car title for the cash in person at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX A day after I Mobile deposited the check in to my checking account. On XX/XX/XXXX I notice that the check I deposited into my checking account was not accepted by the bank. I didnt receive any notice through email or mail about any information regarding the check the was deposited. Days later went by and I received a phone call from the fraud department from an agent name XXXX. She ask me question about the check and I stated all the detail about the check and where it came from it was legitimate. Per ending our phone call she just thanks me for confirming the check and we hung up. 3 days later after I was inside the grocery store purchasing some item til i swiped my card and it declined it my transaction so I log in my online banking to see that my account has been closed and the money I had in my checking account was no longer there. I immediately called the bank. I was very frustrated because I did not know what was going on. They holding my money. I called the bank. They transfer me to the fraud department and I spoke with someone and they told me that my account was closed down due to suspicious activity on my mobile deposit check. Which I couldnt understand why after talking to a fraud agent days ago, she never mention any account closure. During the call, I explain to the agent that my check was not a fraud and I explain to the agent Where it came from I had paperwork on the check. Then the agent proceed to tell me to go down to my nearest south state bank with proof and paperwork of my check being legit and also the copy of the check they should be able to reopen my account. I took time out of my day to go down to the bank, and I sat down with the manager of the bank. I explain to her what I was told by the fraud department to come down to show proof of my legitimate check for a possibility of my account being reopen. The bank manager took all of my paperwork that I show her that my check that I had was real and was not fake. She emailed the fraud appointment and at that point it was a lot of back-and-forth misunderstanding and a lot of frustration and my account still never got reopen. Even after talking to the fraud bank manager I explain to her that I never received any notification regarding to my deposit check nor any type a notice in the mail about my account was in process of closing.The bank held my money I had automatic bill payment the was due that got sent back because of my account closed. If I known about the account closing I would of took all my money out and stop any bill payments. They couldnt tell me when will my money that I had in my account will be mailed out or if Im able to come to the bank and pick it up they gave me the runaround about that I had to keep calling them! I was late paying bill because of the bank close my account held my money and not give me, An reason why my account has been closed. Even after showing proof the check being real they didnt even consider of trying to reopen my account. It took me XXXX week for me to receive the rest of my money I had left in my checking account. On XX/XX/XXXX right after XXXX I received a phone call from the banker, because I was unable to answer at that time she left a voicemail and told me which I already knew that I had a refund that came back into my account and they needed to know where to send the payment. It was after a week later when I got the voicemail and I called the bank back about my refund. She states that she couldnt tell me what it was because she tried to contact me and she couldnt reach me so she didnt know where it went. So she proceeded to say that she will call someone and when she find out where my refund went than she will give me a call back.. it a XXXX XXXX  an I still havent received that call. At this point Im tired of dealing with South State Bank! The bank kept my money.So the reason for this complaint is that I want the bank to issue my return refund plus compensate me additional {$400.00} for my bounce back bill payments I had to pay due to my accounts closing. Im frustrated and just want this to be resolved.