Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Revolut & Metropolitan XXXXXXXX XXXX  ( XXXX ) Gross Negligence, Financial Hardship, & Failure to Deliver Funds To : Consumer Financial Protection Bureau ( CFPB ) Regarding : XXXX XXXXXXXX XXXX XXXX  XXXX ) & Revolut Business Failure to Issue & Deliver Check of {$74000.00} Dear CFPB Complaints Team, I am filing this formal complaint against XXXXXXXX XXXX XXXX ( XXXX ) and Revolut Business for their gross negligence, mismanagement, and failure to deliver my business funds of {$74000.00} despite my repeated efforts over the past XXXX months. 

Both Revolut and XXXX have repeatedly failed to process, track, and deliver my check, forcing me into an endless cycle of delays, misinformation, and mismanagement. Their actions have caused me significant financial harm and emotional distress, and I am now seeking regulatory intervention to ensure immediate action and hold them accountable for their failures. 



1. Case Background & Timeline of Events First Check Issuance XX/XX/XXXX XX/XX/XXXX : XXXX issued Check No. XXXX for {$74000.00} to my business XXXX XXXX XXXX XXXX ) at my registered business address : XXXX XXXX XXXX, XXXX, TX XXXX. 
However, I had activated USPS Mail Forwarding because I no longer operated from this address. 
The check was forwarded to my new address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and I received it on XX/XX/XXXX ( approximately three weeks later ). 

Check Rejected & Reissuance Request XX/XX/XXXX When I attempted to deposit the check into my business account, it was rejected and later destroyed due to a deposit issue. 
XX/XX/XXXX : I immediately informed Revolut and requested an urgent reissuance through XXXX. 
XX/XX/XXXX : Revolut confirmed that XXXX had reissued the check, stating it would take six weeks for delivery ( by XX/XX/XXXX ). 
Despite waiting the full six weeks, the check never arrived. 



XXXX. XXXX Failure to Provide Tracking & Additional Delays XX/XX/XXXX : Revolut admitted that XXXX had not even started processing my reissuance request until this date, meaning XXXX ignored my request for almost two months. 
XX/XX/XXXX : Revolut confirmed that XXXX had finally reissued the check, but : No tracking details were provided. 
No expedited shipping was used, despite prior assurances. 
No confirmation was given regarding the exact date of dispatch. 
XX/XX/XXXX : Revolut informed me that I must now wait another XXXX weeks, bringing my total wait time to over 10 weeks, which is completely unacceptable. 



XXXX. Second Check Still Not Received ( XX/XX/XXXX - Present ) XX/XX/XXXX : I still have not received my check, even though XXXX claimed standard USPS delivery takes approximately two weeks.

I have checked my USPS Informed Delivery Portal daily, and NO check from XXXX has ever appeared. 
Every other companys mail is reaching me on time, yet the only missing item is XXXX  checkfor the second time. 
This suggests a serious internal issue with XXXX, as it is highly unlikely that both checks failed to arrive while all other USPS mail is being delivered properly. 



4. Evidence of Gross Negligence & Regulatory Violations AXXXX XXXX Failure to Follow Banking Standards XXXX failed twice to deliver my funds via check. 
XXXX failed to provide any tracking information for both checks. 
XXXX falsely claimed that standard mail takes six weeks ( when USPS standard delivery is 3-7 days ). 
XXXX ignored Revoluts expedited shipping request and refused to confirm the shipping method used. 

B. Revolut & XXXX Passing Blame No Accountability Revolut claims that XXXX is not responding to their follow-ups. 
XXXX claims that Revolut is responsible for handling my case. 
When I contacted XXXX directly, they told me to speak to Revolut, saying that I am not an XXXX customer. 
When I contacted Revolut, they said that XXXX controls the check issuance and that they have no control over the process. 
I am trapped in a loop with no resolution, while my funds remain undelivered. 

C. Revoluts False Assurances & Broken Promises My case is personally handled by XXXX ( a Revolut team leader ) via email. 
XX/XX/XXXX : XXXX assured me that if the check was not received, the next reissued check would be : Sent via expedited shipping. 
Tracked with a tracking number. 
XX/XX/XXXX : The check was reissued via the same untracked USPS Standard Mail, despite their previous guarantees. 
When I confronted Revolut, XXXX admitted that XXXX ignored their request for expedited shipping. 
XX/XX/XXXX : Revolut now asks me to wait even longer, despite the fact that they broke their promise to expedite the check. 

D. Lack of Communication & Unacceptable Customer Service XXXX has ignored Revoluts repeated requests for updates. 
XXXX asked me to contact XXXX directly, even though XXXX is Revoluts banking partner. 
When I contacted XXXX Live Chat Support, they said that since I am a Revolut customer, they can not assist me. 
Neither Revolut nor XXXX is taking full responsibility for their failures, leaving me without my funds for over four months. 



5. Formal Demands for Immediate Action I demand that the CFPB take immediate action against XXXX and Revolut for their gross negligence and require the following : 1. An urgent investigation into why XXXX has failed twice to properly issue and deliver my check. 
2. Written confirmation from XXXX  of the exact date the check was physically mailed.

3. Immediate disclosure of the shipping method used. 
4. A guarantee that my check will be delivered within 48 hours via a tracked courier service XXXX XXXX XXXX  or USPS Priority Mail ). 
XXXX. A formal acknowledgment from XXXX and Revolut detailing their corrective actions to prevent future delays and mishandling of customer funds. 



6. Conclusion & Request for Regulatory Action This issue has caused me severe financial and emotional distress over the past four months, and I am still without my funds. 

XXXX and Revoluts repeated failures, lack of communication, and refusal to take responsibility raise serious concerns about their compliance with financial regulations. 

I request immediate regulatory action from the CFPB to investigate this matter and ensure that my funds are delivered without further delay. 

I look forward to a prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation