Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANKMOBILE TECHNOLOGIES, INC
State: MD

Complaint narrative:
Sadly, no luck with stopping or halting the auto payments from XXXX XXXX since I do owe them and they were getting ready to put it in collections. I understand their point and why they wouldn't stop it but when the XXXX & XXXX affected my finances and I was struggling to go back to work I was asking my bank and I submitted multiple stop payment orders/requests about the XXXX recurring debits from XXXX! All complete, still being debited?!? XXXX money or Customers Bank or XXXX XXXX XXXXXXXX XXXX XXXX ( Vibe ). Not sure which one you want to call them? Claims over and over AGAIN... Even called me today to the point that I screamed at them BECAUSE I'm extremely upset! This has affected my critical healthcare for something that could be XXXX  if not managed properly! But I couldn't go because even though it's under {$100.00} every time this happens and it takes away from my available balance. I am charged hundreds and thousands because of missing an appointment and finding out the day of or not being able to make a payment and almost getting evicted! All XXXX money will do is call me up and tell me they're not breaking the law though. I've gone through the law and the sections about my right to a stop payment. They're saying they can't stop the merchant from continuing to try and collect the funds. Well then obviously it's not a stop payment now. Is it? Still? Payments are clearly outlined in a whole entire section in their policy and under the rules for I believe it's XXXX? I know I have a right to revoke any auto payment that are being taken out. I know I had a right to stop payments and that an actual stop payment would not be continuing to take money from me on no specific schedule over and over and over again putting me in a dangerous position if the stop payment was actually honored correctly. I've had many illegal and questionable issues with XXXX XXXX, but at this point I believe not only do they need to be looked into, but I want to know what my options are legally so that I can recover my losses because at this point they're not only stealing from me financially and putting me in debt, but they're taking years off of my life. They're destroying my quality of life and my ability to manage a critical XXXX  XXXX  XXXX should not be impacted simply because my bank can't follow a simple procedure that they claimed and even called me again today to try to claim that they did and it was a successful and they even sent me an email telling me it was successful and they did issue the stop payment order, but apparently their version of a stopped payment is to continue to allow the merchant to keep taking the money out of your account rather than blocking the payments or stopping them. Just returning them a few business days later leaving me without availability to my funds when it's needed and because they don't work over the weekend I won't find out until Monday morning when I need to do something that my account is like this now. Yesterday Monday morning they promised me that the charge was going to be returned and not to worry. But I knew this was going to be an issue because it was two separate charges. So now they've returned one and let the other one come through. So here we go. I have been now a total of going on 6 days without my money. That is mine because XXXX XXXX and customers Bank thinks that a stopped payment and forcing me to go through all that nonsense to get a stop payment request actually complete it with them. I've got confirmation and everything but still the last 3 months that I've had a stop payment. XXXX XXXX/Customers Bank ALLOWED these funds to come out of my account multiple times each and every month. Like I said, putting me in debt and affecting my health care and I can no longer abide by it! I've got 3 months and documentations and communications and whatever you need. I've got years honestly worth of other illegal activities but this one right here because it's continued and non-stop and if I can't get XXXX  or my bank to listen to me and work with me and I understand why XXXX is not working with me because XXXX wants to submit it to collections. XXXX is determined to get their money. XXXX does not owe me the same respect and doesn't have to provide me with the same rights or whatever that my bank does. I'm someone who owes them money now. As for my bank, I'm someone who basically funds their ability to do extracurriculars like loans and stuff like that. Which I really hope the XXXX XXXX  is not doing even with customers Bank backing them because oh my XXXX I can only imagine these people are straight up thieves and they need to be stopped. It's unacceptable to think that because it's a little bit of money and because I'm XXXX they can continue to do illegal things to me and I'm just not going to say or do anything about it. I'm done with this! Something needs to be done about these. Unregulated unmonitored financial institutions that we give everything like. I've already been a victim of the data breaches and stuff like that but because I was XXXX I was not able to get in on the class action lawsuits and recover anything for any of that! But I do need this to stop because I'm not going to continue to go in debt every single month because XXXX thinks it's no big deal and they can just keep allowing this to happen and call me up and tell me that they did a stop payment. Give me legal documentation that a stop payment order was issued and completed and give me a reference but then tell me that they actually have no way of enforcing it? They can just you know inconvenience me multiple times per month because XXXX will try not once not twice. But they'll try four to six times a month to recover their funds which honestly would have been being paid off through another bank account if XXXX would have done their job and stopped this so that it it stops causing me to go into further debt up thousands and thousands because I'm a little under {$100.00} short in my account of what I'm supposed to have because I wake up on the first business day and find out that my bank allowed debits to come through that were already multiple times put in and confirmed to have the payments and the XXXX recurring debits revoked with a stop payment request. It's unacceptable to continue to allow this to happen to me and put me into so much debt. Force me to have to get on the phone with these people and argue and go through all this when I am literally struggling to try and save my life! The only plus side I will say is that this bank account does not charge fees every time I'm overdraft but the only other issue is that because they allow this there are other scheduled needed payments that are returned and I am penalized for it simply because the funds that were supposed to be there were not there because they allowed these debits to come through that I've already revoked authorization for and fill it out the stop payment request that they have told me again today even though these funds were taken out of my account is done that they completed the stop payment. There is a stop payment except they can't physically honor it? That makes no sense. It's two separate charges. One is {$49.00} the other is {$23.00}. They both come from XXXX XXXX but the problem is they allow them to attack my account multiple times per month and rather than stopping the payments as requested and as they promised they allow them to come through and return them later costing me thousands and it doesn't just happen once a month it happens. Like I said XXXX times a month. It just happened yesterday, XX/XX/XXXX again today XX/XX/XXXX! Except today they sent another email about the stop payment actually being in place and completed saying that they did do it and they have no control over the merchant. Plus I recorded both phone calls yesterday and today. They're not willing to help me. The only reason they call it is to remind me over and over again and try to sternly tongue me out of filing any complaints saying they're not breaking any laws. Even though again I downloaded the laws and procedures I believe from the consumer protection bureau or the FDIC 's website? I went and looked up and found and downloaded their own policies, procedures and agreements. There's a whole sectional and stop payment saying that the only time they would be held not liable for allowing something to come through us. If you don't give them at least 3 days notice. The thing is I've given them more than 3 months notice. I have literal secured messages between us proving and phone calls proving. I've been asking for this for months and they put it through 3 months ago giving me a reference claiming the stop payment was issued and ordered but yet still allowing the business to charge me multiple times per month saying they have no control over that issuing no kinds of credits. No kinds of help actually. Just calling me up and I assume trying to threaten me so that I feel that I don't have a case to complain about and seek some sort of legal. I guess restitution? Some help get back everything that I'm losing because of their illegal nonsense that for me equals stuffed because it cost me it's not free. It's not a minor inconvenience. It's costing me everything including my life! And I have XXXX XXXX my chart and the charges I get for the missed appointment to corroborate that! Last month it was an eviction and the ability to pay and get my lights back on with XXXX  XXXX  XXXX where I was supposed to make a payment but could not because money was taken from my account that was not supposed to be taken from my account. It was actually more than 6 times in XXXX Fix separate attempts for each separate charge! If given the opportunity to show how it's spread out each time and how long it takes for it to be returned and show the proof that sometimes when they do the returns that they will back date it knowing that's not true, but I can prove that I've been inconvenienced more than just one or two business days that it will take an entire month away from me putting me in literal debt literal constraints and when I call my bank to try to look for help they just completely ignore me saying they're doing everything right and there's nothing I can do about it!?!? It really stinks. I can't upload documents later because the device I'm using right now is having a difficult time memory wise so I've been unable to attach my evidence that I have. Plus since it's an account that I made a complaint before for something else with it's got the phone number that is unfortunately off due to XXXX stealing my XXXX account and making me lose my entire tenure and everything I had built up and set up for my XXXX and my XXXX! So the phone number is wrong. Email is right and I can't attach my documents due to my device and it seems before I can hit send. I'm not going to be able to upload anything and I'm just going to again let you guys know I have a lot. I am just stuck due to the device I'm using to file this complaint because I can't wait and not get my complaint in any longer. Hopefully the grammatical errors and typos are not too bad for me being XXXX using XXXX features to write this again, I would just like for them to actually honor the stop payment so that it stops costing me thousands of dollars before. I need to figure out what my legal options are and how I can recover my losses from this massive not minor but massive inconvenience that legally I shouldn't be going through because I do have a right to stop and revoke these ACH recurring debits and auto payments these electronic payments like yes I agreed to autopay. There's two of them because the last time I tried to discuss anything with them they just put another payment on me. I attempt it with XXXX and I've gone through over a year and the last 3 months of supposedly having an active stop payment order and still being charged for this?!?! That is not okay. I really need somebody to look into and regulate these internet Banks because it's just crazy the amount of illegal nonsense they get away with because " they're online ''!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation