Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am submitting this supplemental complaint regarding EverBank, N.A., in connection with my previously filed CFPB complaint.

EverBank is currently denying me access to funds in my personal savings account with an approximate balance of {$13000.00}. My access to the funds has been blocked for a week, although I was only made aware of the restriction approximately XXXX days ago. EverBank has refused to provide any written or verbal explanation beyond stating verbally that the account is under review. 

Key facts : * EverBank acknowledged receipt of my prior CFPB and XXXX complaints. 
* After acknowledging those complaints, EverBank froze my access to my savings account without informing me. 
* When I called to find out why I could not access my funds, EverBank informed me by phone on a recorded line that I they would not allow me to access my savings account and that no transactions involving the account would be allowed. They were unwilling to provide me an explanation as to why they were blocking my access to my own funds and savings account. 
* EverBank has not disclosed any court order, garnishment, XXXX, or legal process requiring a freeze. 
* EverBank has not alleged fraud or unauthorized activity in any way, and my identity and transaction authorization have already been confirmed. 
* EverBank stated in an emailed letter that it intends to terminate its relationship with me within 30 days, but they NEVER DISCLOSED that access to my funds would be blocked during that any portion of that time period. 
* EverBank is now refusing to explain the legal basis for withholding my funds or the steps required to regain access. They refuse to speak with me about it or provide me any explanation whatsoever, except for telling me verbally on a recorded line that " no transactions will take place '' in the account because they have " placed the account under review. '' EverBanks use of the vague phrase account under review does not explain whether this restriction is mandatory or discretionary, nor does it identify any regulation or account agreement provision justifying indefinite denial of access to my own deposited funds. 

I am experiencing immediate harm due to the inability to access my savings. The timing of this restrictionafter protected regulatory complaintsraises serious concerns regarding retaliation, unfair or deceptive acts or practices ( XXXX ), and breach of contract. Clearly this is a punitive action being taken by EverBank with no legal basis whatsoever. 

I respectfully request that the CFPB require EverBank to : 1. Restore immediate access to my savings account ; and 2. Provide a written, lawful basis for any continued restriction, including the specific regulatory authority relied upon and a clear timeline for release of funds.

EverBanks refusal to communicate and continued retention of my funds without explanation is unreasonable and improper. 

Thank you for your assistance.

Company response to consumer: Closed with explanation