Checking or savings account -- Managing an account -- Complaint #18094542
Complaint Overview
Complaint ID: 18094542
Company: Capitalj INC. DBA Juno
Product: Checking or savings account
Sub-Product: Savings account
Issue: Managing an account
Sub-Issue: Problem making or receiving payments
State: Florida
ZIP Code: 33905
Date Received: 2025-10-20T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the Synapse bankruptcy case, indicating their belief that XXXX may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. * * My Background * * I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXX XXXX XXXX XXXX and was frozen on or around XX/XX/XXXX, without warning. * * The Harm I Suffered * * When my account was frozen, I had {$84000.00} in the account. Since then, I have recovered {$350.00} leaving {$83000.00} still inaccessible over a year later. This interruption has caused me significant hardship. Specifically : I experienced severe anxiety and distress due to the sudden loss of access to my savings. I had to pospone my moving back to my home state while waiting for my funds. I am going to be XXXX XXXX XXXX with a husband who is ill. He has been hospitalized 3 times since XX/XX/XXXX. I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and XXXXinsured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.
Frequently Asked Questions
What is Complaint #18094542 about?
Complaint #18094542 was filed against Capitalj INC. DBA Juno regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-10-20T12:00:00-05:00.
How did Capitalj INC. DBA Juno respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Capitalj INC. DBA Juno?
Yes, visit the Capitalj INC. DBA Juno company profile at readthecomplaint.com/company/capitalj-inc-dba-juno to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.