Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Formal Rebuttal to EverBanks Response CFPB Case XXXX. XXXX and XXXX Submitted by : XXXX XXXX XXXX To Whom It May Concern, This letter serves as my formal rebuttal to EverBanks response dated XX/XX/XXXX. Their claims are not only factually inaccurate and misleading, but contradicted by documented evidence including communication I received from EverBank as recently as yesterday. 

Summary of EverBanks Misconduct : Unauthorized withdrawal of {$4900.00} from my account, Blocking of all online banking access and visibility, Withholding of $ XXXX in remaining funds, Falsely asserting that I owe money based on an erroneous deposit, Providing no legitimate transaction records only an internally generated XXXX file, Causing two credit card closures, Leading to a XXXXpoint drop in my credit score, and Putting my pending home purchase in jeopardy. 
Ongoing Deception and Retaliation : Despite stating in XXXX that I am no longer an EverBank client, EverBank continues to : Generate monthly statements under my name, Email me statement alerts, most recently on XX/XX/XXXX just yesterday, Claim the statements are available to view via online banking, While simultaneously denying me access to log in or verify anything in my account. 
EverBank has not sent me a single official bank statement since this issue began. The only record Ive received is a handwritten XXXX file sent by a bank employee. Meanwhile, they continue to operate accounts in my name and obstruct my access entirely. 

Resulting Financial Harm : XXXX drop in my credit score, Closure of two credit card accounts, Risk of denied or repriced mortgage approval, Ongoing stress, uncertainty, and reputational harm, Loss of use of my own funds, without explanation or transparency. 
Demand for Compensation : Given the financial injury EverBank has caused, I am requesting monetary compensation for : The negative impact on my creditworthiness, Delays and losses related to my mortgage process, The $ XXXX in wrongfully withheld funds, Time spent fighting this issue, and Emotional and reputational harm resulting from this ordeal. 
Requested Actions : Return the $ XXXX still being wrongfully withheld. 
Withdraw all debt claims related to the so-called erroneous deposit. 
Provide full, verifiable bank statements from XXXX through XXXX. 
Disclose why my accounts remain active and statements continue to be generated. 
Pay financial compensation for the harm caused to my credit and finances. 
Issue written confirmation that I do not owe any funds to EverBank. 
Supporting Evidence : I will be attaching all photo and document proof, including : The XX/XX/XXXX email from EverBank stating a new statement is available to view, Screenshots and documents showing continued account activity, The handmade XXXX file sent by EverBank in lieu of official records, Proof of my credit score drop, And correspondence demonstrating EverBanks refusal to provide access or answers. 
Conclusion : EverBank has acted deceptively, retaliated against me for moving my own funds, and inflicted measurable, lasting damage. They continue to operate in bad faith, withholding both my money and access to critical financial records. I respectfully ask the CFPB to escalate this matter for full investigation and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation