Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #5519694
Complaint Overview
Complaint ID: 5519694
Company: Bankmobile Technologies, INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Georgia
ZIP Code: 303XX
Date Received: 2022-04-29T12:00:00-05:00
Date Sent to Company: 2022-04-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2020, I noticed that unauthorized transactions totaling {$5600.00} from my BankMobile Checking Account. The notes on the transactions said the merchant name was " XXXX XXXX XXXX. '' I tried to login to my XXXX account but it would not let me. I will attach a screenshot of what it looked like. It closed my account due to suspicious activity. The hacker changed my primary email on the account. It will not let me login and I have emailed XXXX several times since XX/XX/2020 but have gotten no help. I will also attach the response from the email from XXXX. Their ID/security automation has not worked since XX/XX/2020 so I have still not been able to access my account. It is also my business account. I run an online business, and I have not had access to my business for over 2 weeks now. I disputed the transactions through each of my banks. XXXX XXXX notified me of a fraud alert so the transaction never went through. XXXX XXXX XXXX XXXX only approved one payment but marked the next transaction as a fraud alert for suspicious activity and have refunded the money. BankMobile allowed 5 transactions with a total of {$5600.00} to be completed without notifying me via text, call, or email. That amount is double of what I can spend on a daily basis so I am not sure why these transactions were allowed or why I was not notified. After 10 business days, I was notified by Bank Mobile that my claims were denied. There is no option to appeal. When I called, they said the claims were denied because the merchant is responsible ; however, I have zero way of contacting the merchant as I still can not access the account. The bank should have notified me after the second large transactions so I could have frozen my account. I send them an FTC report for Identity Theft. I have contacted the XXXX XXXX XXXX FDIC, attorney general, my personal attorney, and a Consumer Fraud Legal Attorney as well. These transactions overdrew my account. They sent actual payments back that I did authorize so now I have to pay multiple fees for the payments being sent back. These unauthorized transactions cleared my account which is affecting my personal life and business. I have no way of contacting the merchant or anyone at this bank that will speak to me regarding this dispute. I will attach BankMobile 's response to the claim. The only thing they could tell me was to contact the merchant even after knowing I do not have access to the merchant. My personal attorney 's email is XXXX and my Consumer Fraud Lawyer 's email is XXXX.
Frequently Asked Questions
What is Complaint #5519694 about?
Complaint #5519694 was filed against Bankmobile Technologies, INC regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2022-04-29T12:00:00-05:00.
How did Bankmobile Technologies, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was 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 Bankmobile Technologies, INC?
Yes, visit the Bankmobile Technologies, INC company profile at readthecomplaint.com/company/bankmobile-technologies-inc 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.