Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: FL

Complaint narrative:
Revolut has restricted my personal U.S. Revolut account without explanation since XX/XX/year>. Despite the restriction, they continued to accept an {$8000.00} ACH deposit after the restriction, yet still refuse to allow me to access any of my funds. Revolut has provided no timeline, no reason, and no meaningful communication beyond generic messages. My funds have been withheld for weeks with no justification : XXXX. Account Opening & Verification - XX/XX/year> I opened a XXXX XXXX personal account. 
- XX/XX/year> Account fully verified and active. 

XXXX. Initial Transactions - XX/XX/year> XXXX Bank XXXX XXXX deposit : {$1.00}. 
- XX/XX/year> XXXX XXXX XXXX XXXX deposit : {$980.00}. 
- XX/XX/year> XXXX XXXX  mailed check : {$9000.00} ( estimated delivery XX/XX/XXXX ). 
- XX/XX/year> XXXX XXXX XXXX  ACH deposit : {$20.00}. 
All transactions were accepted without issue. 

3. Revolut Restricts My Account - XX/XX/year> Revolut suddenly restricted my account. 
- No explanation. 
- No warning. 
- No email describing the issue. 
- No instructions to resolve it. 
Despite the restriction, Revolut still allowed external ACH deposits to enter my account. 

XXXX. XXXX XXXX ( Highly Concerning ) - XX/XX/year> XXXX XXXX Revolut XXXX XXXX : {$8000.00} a ) This deposit was accepted after the account was restricted. 
- Revolut did not block or return the deposit. 
- Revolut refuses to let me access the deposit. 

b ) This means Revolut is : - blocking my access to funds, - but has no problem accepting deposits into a restricted/frozen account. 

This appears unfair, inconsistent, and potentially unlawful under CFPB standards for equal, non-discriminatory access to consumer financial products. 


XXXX. Revoluts Communication Pattern From XX/XX/XXXX to present, interactions with Revolut support ( via chat ) included : a ) Being placed on hold for long periods ( hours, sometimes over two days ). 

b ) Repetitive, canned responses : - We are escalating. 
- You are our top priority. 
- It will take XXXX days. 
- It will clear in XXXX  days. 
- No actual information provided. 
- No timeline. 
- No explanation. 
- No confirmation of what is being reviewed or why. 

It has now been over two weeks since the restriction, with zero progress and complete lack of transparency. 


XXXX. Key Issues Requiring CFPB Review Issue 1 Unexplained Account Restriction Revolut has not provided : - the reason for the restriction, - what specifically triggered it, - whether it relates to identity, compliance, risk, or a mistake. 

Issue XXXX Denial of Access to My Funds My own funds, including pre and post-restriction funds, are fully inaccessible. 

Issue XXXX Acceptance of Post-Restriction Deposits XXXX accepted an {$8000.00} XXXX deposit after freezing my account, yet blocks me from accessing it. 

If an account is restricted/frozen : - deposits should be blocked or returned, - or customers must be explicitly warned. 

Instead : - money was accepted, - but access was denied, - creating an unfair and one-sided financial situation. 

Issue XXXX No Timelines, No Resolution Path Revolut refuses to provide : - an ETA, - a deadline,- or even a range for resolution. 

This violates reasonable expectations for consumer financial access.

Company response to consumer: Closed with explanation