Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CapitalJ Inc. dba Juno
State: VA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Date : XX/XX/XXXX Subject : Complaint Regarding Juno Treasury Account Closure and Non-Payment of Deposited Funds by XXXXXXXX XXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Juno and XXXXXXXX XXXX XXXX XXXX concerning the closure of my Juno Treasury Account and the failure to return my deposited funds, which remain inaccessible despite the announced account closure date of XX/XX/XXXX. 

* * Details of the Issue : * * I held a XXXX XXXX Account and Account Number : XXXX with a deposit of {$6700.00} On XXXX, XX/XX/XXXX, Juno notified me that the Treasury Account would close effective XXXXXXXX XXXX EST on XX/XX/XXXX, due to issues stemming from the XXXX bankruptcy and actions by XXXX XXXX XXXX XXXXXXXX. The notice stated that funds were unaffected and available for withdrawal until the closure date. I attempted to withdraw my full deposit of {$6700.00} on XX/XX/XXXX, following the instructions provided in Junos FAQ. However, the withdrawal was not processed, and I have not received my funds. 


* * Supporting Context : * * XXXX notice indicated that the closure was due to prolonged issues from the Synapse bankruptcy and XXXXXXXX XXXX XXXX XXXXXXXX actions, which have prevented users from accessing funds in Juno Cash Accounts. Public reviews on platforms like XXXX indicate similar issues, with XXXX customers reporting frozen accounts and lost funds since XX/XX/XXXX, attributed to XXXX inability to verify balances post-XXXX  bankruptcy. I believe this constitutes a violation of my consumer rights, as my funds were not made available as promised, and neither Juno nor XXXX has provided a timely resolution. 

* * Resolution Sought : * * I request the immediate release of my full deposit of {$6700.00} to my designated bank account ( Account Number : XXXX, Bank Name : XXXX XXXX XXXX ). Additionally, I seek an explanation for the delay and assurance that no further fees or losses will be incurred. If applicable, I request that the CFPB investigate XXXXXXXX XXXX XXXX XXXX and Juno for potential unfair or deceptive practices related to this issue. 

* * Steps Taken to Resolve : * * - Reviewed Junos FAQ and followed withdrawal instructions on [ Date ( s ) ].

- Contacted Juno support on [ Date ( s ) ] with no resolution. - Contacte
d XXXXXXXX XXXX XXXX XXXX on [ Date ( s ) ] with no resolution.

- [ Include Any Other Steps, e.g., filed a complaint with another regulator, contacted XXXX ]. 

* * Attached Documents : * * - Copy of Junos Treasury Account closure notice. 
- Correspondence with Juno and XXXXXXXX XXXX XXXX XXXXXXXX ( dated [ Insert Date ( s ) ] ).

- Bank statement showing initial deposit to Juno Treasury Account ( dated [ Insert Date ] ).

I have attempted to resolve this matter directly with Juno and XXXXXXXX XXXX XXXX XXXX without success. I am submitting this complaint to the CFPB to ensure my funds are returned and to address potential systemic issues affecting other consumers. Please contact me at [ Your Email Address ] or [ Your Phone Number ] for any additional information. I understand that the CFPB may share this complaint with Juno, XXXXXXXX XXXX XXXX XXXXXXXX, and other regulatory agencies to facilitate resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation