Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I got online and it opened a ever bank account checking account. I was hoping I could deposit my check remotely but they wanted me to mail my check in so I endorsed my check mailed it in and waited. In the meantime I read their funds availability policy and understood that once my check arrived, My deposit could take up to several business days to appear in my new account and is subject to their funds availability policy. XXXX weeks later i was given another check from my parents as a birthday gift and decided to also deposit that into my new account. So I got an app that was the ever bank app I signed up for online banking and I paused in my check but I realized I hadn't gotten anything from my bank in regards to debit card or checks or any of that Sort of thing so I got on the telephone I spoke with a representative who told me that not to worry that check would probably arrive and I would get an email noting my account status. Over the weekend I got a debit card in the mail I called in and had it activated and was waiting for my check to clear it had been almost XXXX weeks and on that Monday I noticed that it had cleared and I went to use my card when I attempted to use my card it said it was denied and then i tried to log onto online banking with my app and they said my account was frozen. I hadn't even used my account I just tried to deposit XXXX checks so I called the phone number and spoke with a person who said that my account was on hold because it was suspected to be fraudulent and I would expect a resolution in XXXX to XXXX hours. this was now XXXX hours ago. I was concerned I talked to a manager they said that the person that was handling the fraud account would call me back that day that was Tuesday and that didn't happen I awaited until Wednesday and when they didn't hear back I called on Thursday. and was told XXXX hours. I was concerned because I had a scheduled business meeting in XXXX that I had to make an I was sure that a month after I'd opened my account I would have access to the money that I deposited. So I got on the phone again with customer service and was told again that someone would call me back that day I got off the phone and waited and waited and nobody called back I called Friday furious and concerned because i had a very imporant meeting in XXXX and no money. So I finally spoke with the gentleman who was in charge of my account and explained where I had gotten my checks from explained whom I was not a criminal and felt like I was being wrongly accused with absolutely no sympathy or regret told me he couldn't do anything for me until monday, Now I'm super concerned because I'm in XXXX I have no means to get back to my home in XXXX XXXX I have no way to get to XXXX and no way to get a hotel no way to get to work so I lost my job my boss thought I couldn't cut it because I wasn't organized enough to make it to XXXX I also had several things on XXXX that the payment is held because I can't verify my bank because I don't have access to it well today I spoke with gentlemen again and he was very nice When he told me he wasn't able to verify my checks. Checks that were legitimate checks. XXXX was from an insurance XXXX for whom I provided him the number and extension for the insurance estimator that cut me the check and XXXX was my parents and the local bank here in town and I guess in XXXX days this gentleman wasn't able to verify very simple information. And as a result I have no job I have no faith that this is going to be resolved anytime soon and I would like to know why ever bank doesn't need to follow the funds availability act set forth by the fdic why they feel they're immune and they can treat new customers like criminals for no reason.

Company response to consumer: Closed with explanation