Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Revolut Technologies Inc.
State: NM

Complaint narrative:
SUBJECT : XXXX XXXX XXXX Revolut Technologies Inc. for Unjustified Account Restriction and XXXX XXXX XXXX XXXX XXXX Account Dear Consumer Financial Protection Bureau, I am writing to you as a representative of XXXX XXXX XXXX ( Registration Number : XXXX XXXX ) to file a formal complaint against Revolut Technologies Inc. for practices we consider abusive and harmful. 
XXXX. PROBLEM SUMMARY Since XX/XX/year>, our business account at Revolut ( Account Number : XXXX ) has been subjected to a " security review '' that has resulted in a complete restriction. We can not send, receive, or access our funds, which has completely paralyzed our financial operations. Despite our multiple attempts to obtain a solution or, at least, a clear explanation and estimated timeframe, we have only received generic and evasive responses from Revolut 's customer service. 
XXXX. CHRONOLOGY OF EVENTS XX/XX/year> : We detected that our card was being declined. Upon contacting XXXX, we were informed that our account is under review and that basic functions such as sending/receiving funds, making payments, or topping up the account are restricted. We were given an estimated timeframe of XXXX to XXXX hours for an update. 
XX/XX/year> : With no news, we contacted them again. We were informed that the review is still ongoing, without giving us a specific reason or new timeframe. We were told that an incoming transfer of {$7900.00} USD had been rejected by Revolut 's intermediary bank, presumably due to our account restriction. 
XX/XX/XXXX - XXXX, 2025 : During these days, we have contacted Revolut support persistently. The response has always been the same : the account is under review, it's a standard security process, they can not give us a timeframe and we must wait. They have refused to provide a specific reason for the review, despite our insistence and assuring them that all our operations are legitimate and can be justified. 
XXXX. DAMAGES CAUSED TO THE COMPANY Revolut 's unilateral decision to block our account without prior notice and without clear justification is causing serious damages to XXXX XXXX XXXX : Business Activity Interruption : We can not make payments to suppliers or receive payments from clients, which has stopped our activity. 
Loss of Income : A crucial transfer of {$7900.00} USD was rejected, and we have had to ask our clients not to make further payments, resulting in loss of income and business. 
Reputational Damage : This situation is seriously damaging the credibility and image of our company with our clients and business partners. 
Uncertainty and Stress : The lack of communication and timeframes leaves us in a situation of complete uncertainty, unable to plan or make decisions. 
XXXX. REQUEST TO THE CFPB We consider that Revolut is failing to comply with its obligations as a financial institution by retaining our funds indefinitely, without offering a justified cause or a clear resolution path, which is totally unacceptable for a business account. 
We request urgent intervention from the CFPB to : XXXX. Investigate Revolut 's practices in this case. 
XXXX. Demand that Revolut immediately release the funds belonging to XXXX XXXX XXXX or, failing that, provide a legal and detailed justification for the retention. 
XXXX. Require Revolut to establish a maximum and definitive timeframe for resolving this type of " reviews '' and to improve their communication channels with clients. 
We attach to this complaint the account documentation and complete history of conversations with Revolut support that evidence everything stated above. 
We thank you in advance for your attention and help in resolving this harmful situation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Attached documentation : - Banking information of XXXX XXXX XXXX - Complete history of conversations with Revolut support

Company response to consumer: Closed with explanation