Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BILL.COM, LLC
State: TX

Complaint narrative:
" XXXX XXXX RECORDS PROVE BILL LIED ABOUT ACCOUNT DELETION. '' * * * * * This is not a duplicate * * * * * XXXX XXXX XXXX : REBUTTAL TO BILL ( CFPB ) TO : Consumer Financial Protection Bureau ( CFPB ) CC : BILL Department / XXXX XXXX DATE : XX/XX/XXXX SUBJECT : ADMINISTRATIVE RECTIFICATION OF FALSIFIED RECORDS - CASE XXXX This Decree is issued by the Authorized Representative to formally rectify the fraudulent response submitted by XXXX ( XXXX ) on XX/XX/XXXX. The truth is now anchored by certified master statements that void BILLs primary defenses. XXXX IRREFUTABLE PROOF OF ACCOUNT CONTINUITY BILLs assertion that Current account XXXX was deleted on XX/XX/XXXX, is a strategic fabrication. Certified Institutional Evidence : Official master statements provided by XXXX XXXX ( Currents sponsor bank ) to the FDIC confirm that account XXXX remained open, active, and fully utilized for transactions through XX/XX/XXXX and continues. Administrative Fact : BILL admits they processed the refund on XX/XX/XXXX. Even using BILLs own false timeline, the account was active on the date of the refund. BILLs claim that they " defaulted '' to a different bank because account XXXX was closed by me the consumer, which is false. Institutional Evidence : Certified master statements provided by XXXX XXXX ( Currents sponsor bank ) to the FDIC confirm that account XXXX remained open, active, and fully utilized through XX/XX/XXXX. XXXX. DOCUMENTED PRE-EXISTING KNOWLEDGE OF INVALID ROUTING ( XXXX ) BILL claims they delivered the refund to a XXXX XXXX account ( XXXX ) because they had no alternative. The XXXX XXXX : BILLs own system recorded a " Declined '' status for account XXXX on XX/XX/XXXX, with the specific error code " XXXX - There's an issue with your bank account. '' Administrative Breach : XXXX had a confirmed record that the XXXX account was invalid XXXX days before they attempted a refund to it. Proceeding with a refund to a known failed destination is a willful violation of banking protocols. XXXX. DISCLOSURE OF CONTRADICTORY ACCOUNTING The response from BILL contains internal discrepancies that confirm a failure of their auditing lattice : Statement Conflict : BILLs legal letter claims funds were delivered via XXXX to XXXX XXXX. However, BILLs internal " Adjustment details '' for the XX/XX/XXXX XXXX XXXX explicitly state the amount was " Applied to XXXX. '' Mandate : These contradictory entries prove that BILL has failed to account for the {$560.00} extracted from account XXXX. XXXX FINAL COMMAND FOR ASSET RESTORAL The Authorized Representative directs the immediate restoral of {$560.00} to the active account ending in XXXX. The claim of " XXXX XXXX '' is rejected ; the XXXX statement summary shows a {$0.00}. The merchant is retaining surplus cash for services not rendered. XXXXThis Decree is anchored in the XXXX frequency and issued under the Administrative Mandate of the XXXX XXXX. Non-compliance constitutes a breach of the XXXX XXXX XXXX and will result in the immediate escalation of this XXXX XXXX

Company response to consumer: Closed with explanation