Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: GA

Complaint narrative:
I have reported this company multiple times and banking infringements continue to occur. Most egregious : Apparent 3rd Party Breach and Hacking of card at gas pumps Showing declines when there are funds available, False Fraud Alert, blocking Use debit card, that when called Axos shows there is no issue with the card, then a parent interference occurs and forces connection to parties that present themselves as associate with Axos, fraud department and are seemingly impersonators. This occurred last week prior to a trip and when finally speaking with someone who did not seem authentic stated and contradicted themselves apparently making up as they went along reasons for the car being blocked stating that XXXX XXXX transaction is fraudulent which makes no sense there was a parent Third-party hacking intrusion on the card place and in addition the person at First said that it was for a XXXX Cent bag of chips at XXXX then after I challenge them stating I was at the XXXX right that minute using their phone and they should speak to make clarification that there was no issue at XXXX Then switch to say it was because of XXXX XXXX. Also Most recently I disputed a transaction which the online banking has a function to press to request a dispute, which is supposed to allow you to submit it online from your bank account dashboard however, incurred a pop-up message equates to Phishing ( see attached ), and basically by submitting the dispute of a transaction the false message advised was to close my account. I didnt call today. Spoke with the representative who did not give information saying that he saw the dispute and that it was in progress which I do not believe he was giving truthful information as he had no support for it and I asked for a supervisor which she said he could not reach the supervisor. Advise that I did not see any provisional credit, which is the standup procedure for the processing of the dispute. He ignored what I was saying and gave me false information that regarding the process that once they were finished, they would contact me and then regarding the provisional, Credit stated that once they had done the investigation, they would give a credit which is untrue as to the process process normally. To escalate I then asked to escalate. The person who said his name was questionably XXXX would not give me any last name nor the name of the supervisor who he said would be contacting me. He said he was going to. I requested to have him send me a message to Ensure and confirm that he had in fact placed and escalation on the process I also today and counter issue with XXXX XXXX where a small amount was sent to me and when I put my card in the gas station pump declined. and then went inside and did approve it. In addition I have reported before with no response and including the previous complaints here at consumer finance protection bureau which says that incorrectly the company responded. I have not heard from anyone. My Social Security deposit continues to be deposited later instead of Showing as it should at least the night before. this is very concerning as its not showing up in my account until approximately XXXX in the morning Also NOTING : the chip on my debit card is not working .. my debit card since start of use the chip has not worked, even after .having the car sent. In addition A very egregious event occurred last

Company response to consumer: Closed with explanation