N26 Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/16/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	SC 29466	Web
I am an American based overseas during COVID-19 and have been in XXXX, XXXX, and XXXX since XX/XX/XXXX. I frequently travel during non-COVID-19 times between my home in XXXX XXXX and my villa in XXXX. My career is in XXXX XXXX in XXXX XXXX. I have been unable to get back into XXXX since XX/XX/XXXX due to their border being closed to non-residents, so I have opted to stay and work remotely from XXXX. XXXX is largely a cash-based country, so I have used my XXXX debit card as well as an online bank ( XXXX ) called N26, which is based in XXXX and New York. Unexpectedly two weeks ago, many N26 customers including myself received an email notifying us that we would need to verify our identities via a driver 's license or U.S. Passport. It was to be completed using the N26 app by XX/XX/XXXX. I attempted to verify my identity 9x using the app ( and its internal camera function ) with no success. Repeatedly the app would lock up in the middle of the process, and during this time, you could not contact N26 or use the chat feature. In many cases, it would lock up the entire XXXX. I reached out to N26 numerous times via email, on XXXX, on XXXX and received no response. Then on XX/XX/XXXX, they notified customers again via email that they were extending the deadline for customer identity verification due to problems customers were experiencing. During this time, there was virtually no customer support via phone or chat. My N26 card also stopped working at ATM machines here in XXXX, although it would work for small swipe transactions at XXXX and XXXX XXXX locations. I finally got someone on the phone on XX/XX/XXXX who explained to me that the company was experiencing major problems with the verification process, but that she could see that I had a balance in my N26 account of almost {$1000.00}, which I had previously transferred using XXXX XXXX in early XXXX. Again, I could not go to the ATM to take money out, however, but had moved money from XXXX XXXX to N26 dozens of times with no issue prior to this point. N26 had also collected a significant amount from me in fees for these services. The N26 representative explained to me that the only way to verify my identity was to use the app and that they had no other way to validate documents. She reiterated that she could see nothing wrong with my account ; that she could see hundreds of transactions over the past few months both in-person at locations in XXXX, at the ATM, and online purchases. She encouraged me to try again at other ATMs, which I did. Finally, I was able to get part of my balance out of the ATM but was blocked from other ATM transactions. The representative encouraged me to keep trying because otherwise, my account was going to be closed for not verifying my identity by XX/XX/XXXX. AGAIN, I AM OVERSEAS DURING A GLOBAL PANDEMIC AND THE LAST THING I NEED IS TO BE LEFT WITH NO MONEY TO LIVE ON. I continued to try to verify my identity over the next 48 hours using my U.S. Passport and the process would still not complete and verify. I again called N26 and a different representative explained to me that N26 was arbitrarily closing accounts and that he had personally fielded dozens of calls from concerned customers, including many American N26 customers who were abroad. He could not provide me any additional information on how I could possibly verify my account or when the remaining funds would be mailed to my address on file. He legitimately sounded exasperated in his position of having to tell N26 customers that there was nothing he could do. Today, I tried one last time to contact N26 and was told that no one could help me because my account was now closed. I could not even make it through the automated prompts. I am aware of dozens, if not hundreds, of complaints posted online and on social media about N26 and the spontaneous closing of accounts thus the reason for this complaint. Banks ( or XXXX ) or anyone in financial services who are conducting banking services marketed to American citizens should be required to have 24/7 customer service available via the number printed on the back of the card. This entire situation with N26 was inexcusable and I plan to lodge a similar complaint with the XXXX in the U.S. as well as banking regulators at the XXXX in XXXX. Furthermore, I plan to contact an attorney in XXXX XXXX when I return home in XXXX to gauge the feasibility of launching a class action complaint against N26. Any advice or additional details that the CFPB can provide are much appreciated.
07/28/2021	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	CA 92129	Web
Unbeknownst to me, N26 was sending me emails requesting I verify my identity on my account. Apparently, they are going through a rehaul of security. The need to do so was not otherwise apparent in the application nor was I receiving urgent notification on my phone. I finally get a call from a rep on Friday XX/XX/XXXX telling me I need to verify my account or my account will get closed. I go on the app and click the verification button. It takes me to a page where I press next. I believe that took me to a page where it wanted me to take a picture of my ID, however, it was not clear and I pressed next again without anything submitted. The app then presented a message stating " Thank you for applying for an account ... .please contact customer service ''. Not sure why the app let me submit nothing or go through the steps submitting nothing. I try to log back into my account to retry the verification but now every time I log in to my app it takes me directly to this message and I can not see the rest of my account. I call support who tells me there is nothing they can do, that I should have been able to re-try the verification submission. I am told they have to escalate this to a special team that will take 24-72 hours. I advise that i am concerned this gets resolved before they close my account. I am told i should be contacted before that happens. Come monday I still hear nothing. I send an email asking what is going on. Tuesday comes and I am still recieving emails there going to closed my account. I send an email to their support desk with my ID attached to ensure this is done before they close my account. I recieve no response to 4 additional emails between Tuesday and Thursday morning. I call multiple times and chat with N26 representatives who promise me my account wont be closed and that i will be contacted. I recieve no email responses. Thursday morning, my account is closed. I call N26 who tell me there is nothing they can do to reverse the closure and that the balance will be sent to my mailing address ... to allow 72 hours to send the check and an additional 12 business days for it to arrive. I receive and email XX/XX/XXXX stating my balance and that it will be send to my address. XX/XX/XXXX I call N26 who tell me the check has not been sent yet at all. I ask how long am i supposed to wait as I have bills to pay and this is my life here that is financially suffering. I am told they can not tell me how long and when i ask if it will be months they so no it shouldnt be that long. I am offered to try an account tranfer so i give the rep my XXXX routing and account info. At this point i am extremely financially stressed as i have over XXXX in this account and it was closed to no fault of my own. The company has lied to me as to when they were supposed to send me the money and I am worried I am being given the run around again. When will I get my money back? Is this legal? Do I have legal recourse to sue for financial damages if this company doesnt get my my balance back ASAP? I can not believe a bank is not only closing peoples account for no reason, but telling them when they may get there money only for the customer to find out after 2 weeks they havent even sent the check yet? Where is the government oversight in this case ... .this bank is causing extreme financial and emotional difficulties in my life ... I rely on this money and now have no access to it at all until they decide to send it back ... Please help me.
03/20/2023	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	NJ 07093	Web
I contacted N26 in XX/XX/XXXX to inform them that my brother, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am XXXX XXXX and I am the administrator of his estate. After a month of waiting, I received an email in XX/XX/XXXX indicating that the bank was directing my request to the appropriate area. From XX/XX/XXXX until XX/XX/XXXX, I have had a lot of back and forth via email with this bank about closing my brother 's account ( see attached emails ). I have sent the requested paperwork but the response has been slow. I get emails indicating that because the bank no longer operates in the USA that the closure process takes a lot of time. I have been waiting and waiting, and have sent emails periodically asking for the status. I got emails saying that they mailed letters to me regarding my brother 's account, but I never got them. They finally sent some bank statements to me, but not the check. The bank informed me that they had sent a check to my brother 's last known address but it was never cashed. That was six months later in XX/XX/XXXX. I sent new instructions on XX/XX/XXXX and asked for an email confirmation that the documents were received. Now I am getting emails from the bank with a rude tone suggesting that I am contacting them too much! I started this in XX/XX/XXXX and still do not have my brother 's funds. The bank first stated that they could send a check, and then XXXX weeks later they tell they can't send a check. They want to deposit the funds via XXXX but didn't send the specific information that they needed from me. At this point, I must make a complaint because this bank is giving me a lot of attitudes now. I have given this bank plenty of time to close this situation out. Even though the are not in the XXXX, this matter involves their business when they were still operating here. I want to file a complaint about N26 because 1 ) they have not responded in a timely manner, 2 ) are still holding on to my brother 's funds, and 3 ) claiming the delay is because they are in XXXX, and 4 ) are now saying that I am now the reason for delay because I have sent emails to them. No way should be taking NINE MONTHS to get {$120.00} back from these people. Please see the attached emails. Accounts that are held in the name of a deceased party should be handled in a timely manner. I gave them full instructions on what to do, and they have asked me for the information TWICE. This situation is causing a lot of mental distress, and the fact that their representative is emailing me from XXXX, after XXXX months of waiting ... is a bit ridiculous for a financial institution. It does not appear that they are operating ethically with this USA-based account.
07/24/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	NY 11741	Web
To whom this may concern : My name is XXXX XXXX Please help me, I've been a victim of misscommunication or fraud and inconvenienced from my on line financially institute named N26 A on line banking system where my clintes money goes into for my local XXXX XXXX services. I was recently given a grant for {$5000.00} from the government and have records and screen shot and emails of proof. N26 flagged it and froze all of my funds. I have over {$8000.00} or about {$9000.00} in this account and exactly {$5000.00} in savings. I get NY state unemployment deposited into this accouht every Tuesday. N26 institute refuses to release the hold and I'm literally at a stand still and have no other banks or savings. This could take over a month or who knows how long. Today is Friday and all institutions are closed for the weekend. I have my birth day coming up this Monday and I have XXXX young children to feed and take care of. I made reservations at a log cabin upstate NY to take my family camping next week this Sunday for my birthday week. I also have my bills to pay and my car payment is due and other bills I had saved for like my modified loan payments for my mortgage to refinance my home soon. Thie is my livelihood and all my savings. I made a complaint also to the FDIC and I dont know when or how soon anyone will get back to me. From what I read on XXXX this could take days weeks or even in some cases month 's and now we are approaching the weekend. The XXXX of the US government who gave me this XXXX XXXX grant had even said to me on the phone last night that, N26 or any bank has no right freezing all of my funds that are not tied to their suspicions or red flags on my account or suspecting the grant or my unemployment as fraudulent especially in this time of the pandemic due to the fact it clearly states my funds recently are mostly deposits from NY state and the government. I've been receiving my unemployment for about 2 tp 3 months now and the grant was deposited on XX/XX/XXXX. So as of yesterday afternoon I have been at a standstill with no access to any of my funds or savings and now the weekend dawns upon us. Please help me resolve this as I have bills due and my unemployment being deposited into this N26 account who has totaly inconvenienced me and has no answers for me till further notice. They won't even speak to me, they only e mail me and I waste my breath and energy and time with call center representatives who have no answers for me. Please Call me at XXXX XXXX XXXX my email address is XXXX Thank you
08/20/2020	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	PA 17522	Web
I am a XXXX XXXX. The only business transactions I have are receiving my salary and sometimes buying home office supplies. I do not sell any products or anything of that nature. I just work on a XXXX basis. I have been using my N26 account for months as my primary checking account. I applied for a SBA eidl loan and put the N26 account down as the disbursement account because it is what I normally use for day to day transactions. However, I read my terms and conditions and saw the account can not be used for business purposes. To me, I don't use it for that, I use it to collect my salary and pay for our household needs. But I asked the SBA to change the account. They dispersed the loan before making the change. N26 returned it as fraudulent without even contacting me. I worked with the SBA to have it resent to my brick and mortar bank account. On XX/XX/20, N26 sent me a letter saying I was in violation of their terms and they would be reviewing my account to ensure I wasn't using it for business. I thought this was fine, because I haven't used it for those purposes, and I had explained to customer service that I tried to have the loan sent elsewhere. On XX/XX/20, I went to use my card, and it said it was disabled. I received no email. I talked to customer service. They could provide no information other than saying it was under review and I can not access my money during that time. All I wanted to know was how my money would be returned to me. They could provide me with no contact information and basically said we can hold your money as long as we want and you can't even speak to us about it. They ended my ability to chat with them. I have no way to contact them and they have over {$1600.00} dollars in the account. At this point, I don't trust them because what bank doesn't allow you to communicate with them while they are holding your money. I just want to know how to access the rest of the funds they are holding. I already changed my direct deposit.
08/25/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	IL 60538	Web
On XX/XX/XXXX, I attempted to withdraw {$1000.00} from an N26 checking account held by me since XX/XX/XXXX of XXXX and was denied the withdrawal from the bank. I attempted twice more in {$500.00} increments, double checked my pin, and then called customer support and was told that the settings for deposit and payment limits would need some time to change over ( this has never happened previously, nor was I informed of any change to the system ). On XX/XX/XXXX, I tried to withdraw {$500.00} again and was denied the transaction by the ATM. I ignored it for the time being. I went home and tried to pair the new phone I had been using for several months, with the app ( previously I had unlinked my old phone and since I barely use this card, I didn't immediately decide to update the information via the app ). I decided to hit up the online chat and was informed that my account had been suspended for an undisclosed reason and that I would be emailed by a specialist in the future. The online chat then proceeded to close the chat. I was never notified previously of suspicious activity or suspension via app or email. I reattempted this several times and was met with the same response. I called the support number and found that my number has been blocked with a pre-recorded message which reported the same message I had received from support ; 'Your account has been suspended and you will be contacted by a specialist '. It is now the XXXX, and I no longer have access to the card via the app, the card has been removed from my account and I am frozen out of my own account. Further research into similar issues shows a history of never resolving the issue. I also have gone to the bank that N26 uses in some way to provide financial service in the U.S. and despite the information provided on the N26 website, XXXX seems to refute those claims.
04/23/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	NC 288XX	Web	Older American
I received this correspondence from N26 bank : " After making the tough decision to sharpen our focus on our XXXX business, N26 is no longer available to customers in the US meaning we are only communicating via email. In order to assist you, we will need you to send us an email from the email address registered to your account and provide the following : - A double-sided photo/scan of your valid ID/Passport - Date and Place of Birth - Shipping address confirmation ( eg. utility bill dated within the last 3 months ) - Your express authorization so, please respond with the following statement : I authorise N26 Bank to exchange my personal data with me via email. If you do not have access to your registered email address, please send us an email stating : - Your previously registered email address, in addition to the information above. Please feel free to provide us with the documents as a scan or photo by email. Ill then be able to continue this conversation via email. Note that your authorization to exchange personal data via email at any time. Thanks for your patience and understanding. XXXX XXXX XXXX XXXX XXXX XXXX \| XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXXXXXX XXXX XXXX XXXXXXXX : ref '' I submitted the documents they requested. I am not getting any response as to the status of my funds being held at their bank after closing my account. When I go on line to the chat, they say I have to reach out to New York. When I reach out to New York, I get a response that I have to contact N26 XXXX. It is an endless loop of non responsiveness and illegally holding my funds.
07/31/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 92264	Web
On XX/XX/21 I logged in to my N26 account to check my balance, and was not allowed access as the company suddenly needed photo verification. Despite N26 already having photo documentation on file, I immediately complied and submitted a photo of my passport that day, and the N26 app said it was reviewing my documents. The next day I received an email that I had violated N26s terms and conditions and my account had been closed. A quick internet search shows this EXACT same thing has happened to hundreds if not thousands of people. N26 annually asks customers for photo verification, and when the photos are rejected by their internal review team for who knows what reason, your account is closed no matter what. Theres no discussion, theres no request for another photo or explanation of what the problem is, and the remaining balance is sent to the address on file. I in no way shape or form violated N26s terms and conditions. But of course they have a fun line in section A ( 18 ) that they may close your account at any time for any reason or no reason. This qualifies as no reason, and hence is justified. No one should ever have their account shut down for absolutely no reason, with no explanation and no way to contest or restore their account. This is a terrible business practice, and has caused a lot of financial duress and insecurity for thousands of people.
08/23/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	GA 30135	Web
I applied for an account with the online financial service N26 on XX/XX/2021. They took all my information including my social security number and images of my drivers license to verify my identity and then gave me a message in their app saying they needed to speak with me through their customer service for security purposes. I called the number they gave me, gave them my personal information again, as was told we can not open an account for you at this time. When I asked what the problem was they said, and I kid you not, We cant tell you. What? How is that legal? Im not bothered that I cant open an account, Ill open one with a different online bank ( I interested in changing from my current account at XXXX to one of the new online banks that dont charge any fees ) but I am very bothered by the fact that they have my information but wont share what is causing them to deny my request to open an account. After a bit of searching online I found an entire thread of people complaining about the exact same issue. If N26 is going to operate here in the U. S. it seems to me that they should have to explain what criteria or issue it is that prevents them from opening an account. Thank you for your assistance. Sincerely, XXXX XXXX
06/19/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL XXXXX	Web
Hello, On XX/XX/2021 Ive tried using my N26 debit card and it got declined. After calling customer service i was advised that my account is in hold due to security department noticing some suspicious activity. I was advised that there is no promised date when Ill have access to my funds again. Then, later in the same day, XX/XX/2021 Ive received email stating that my account will be closed because Ive violated terms and conditions. Which one, wasnt specified and when Ive contacted bank again, regular customer service agent didnt have that information. I was also advised to provide external bank account information so funds can be transferred there which Ive provided right away. Week later i am still being given run around and bank customer service agents tell me that theyve sent a note to security department to expedite the process of releasing my funds. Id like to complain on this bank practices of not communicating to their customers properly and not stating which part of the agreement they believe Ive violated. Not i have almost {$3200.00} dollars they are holding and Im unable to pay my rent. Especially in this hard time! They also have constant delays responding to messages and not providing any updates.
07/28/2021	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	MA 02115	Web
On XXXX of XXXX I saw an apartment listing on XXXX in XXXX, XXXX : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX & XXXX & XXXX I reached out to them since the listing looked normal asking for a possible discount. They proceeded to email me saying that they had a cheaper rate on XXXX. After a few weeks, I contacted them again on XXXX and email : XXXX On XXXX of XXXX, they contacted me saying they were giving me a 20 % discount and they made a reservation for me on Airbnb through this link : https : XXXX The website looked exactly like Airbnb and I could message the host like normal. After accepting the booking, I asked the support on the page which looked normal if paying through transfer was normal and they assured me. We were shown an invoice on the page that looked like a real XXXX invoice with a N26 XXXX XXXX bank account where the money was supposed to be sent. We proceeded to sent the money ( XXXX EURO ) and only we afterwards realized it was a scam. We called our bank XXXX but they are unsure if we can get the money back.
07/30/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	IN 46256	Web
On XX/XX/XXXX, I contacted N26 to alert them my account had been hacked and all transactions from XXXX up to XX/XX/XXXX were fraudulent, including the address change and the ordering of a new debit card. The rep told me that account would immediately be locked down and I would not be able to access it during then investigation and that I will be contacted with an update soon. On XX/XX/XXXX, I sent them an email stating I could still access my account and if I can do so, the hacker could as well. I asked for an update on the dispute and wanted to know why my account wasnt locked down as told. I contacted them again on XX/XX/XXXX, XX/XX/XXXX, and then on XX/XX/XXXX I received an email that my account has been closed. I contacted them again on XX/XX/XXXX and XX/XX/XXXX regarding the account closure, investigation update, and provisional credit. The responded on XXXXwith an affidavit to complete which I returned on XX/XX/XXXX. I have followed up again on XX/XX/XXXX and no response of XX/XX/XXXX
08/13/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 10128	Web	Servicemember
N26 BANK DISCRIMINATES AGAINST THEIR MINORITY CUSTOMER BASE.N26 BANK IS NOT INCLUSIVE ; their customer service rep even asked if I am XXXX, n26 bank discriminates against military personnel, active/retired. For the past two months, I have contacted N26 bank to dispute my charges & N26 refused to assist me. Customer service reps purposely stalled initiating disputes to put my account outside the timeframe allotted to dispute charges. I HAVE PROOF THAT I SENT Proof TO N26 REGARDING PAYING BY OTHER MEANS. I have contacted N26 via social media, EMAIL & I HAVE RECORDED CONVERSATIONS RANGING FROM 2 months ago to two days ago. N26 BANK HAS PROVEN THEY ARE CONSISTENT WITH FAILING TO SERVE THE CUSTOMER AT THE LOWEST POSSIBLE DENOMINATOR. THEY LOCK CUSTOMERS OUT OF THEIR ACCOUNTS, PREVENTS CUSTOMERS FROM DISPUTING TRANSACTIONS, & ISSUES GASLIGHTING, PROJECTING, AGGRESSIVE RESPONSES FROM " XXXX ''. I AM A VICTIM OF N26 BANK 's DISCRIMINATORY/RACIST BANKING PRACTICES. I AM A VICTIM OF THE N26 FRAUD.
05/14/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	WA 98108	Web
N26 sent me an email out of the blue saying my account would be closed in 3 days and requesting financial details to transfer my balance ( currently about {$6100.00} ) to. They provided no reason for the closure. In their own terms and conditions they state it can be closed immediately ( 3 days ) for only 3 reasons. 1 Providing incorrect statements to N26 about your financial situation, especially when you apply for a credit. I have not applied for credit. 2 Failure to repay your loan or any debt toward N26. I do not have a loan with N26. 3 Failure to comply with N26 's requests about your loan ( see provision or increase of security, section 13 ( 2 ) of our T & C 's ( new tab ) ). I have not requested a loan nor have I failed to comply with any requests. I would like N26 to review this and provide a clear explanation as to what the issue is once they see I haven't violated their terms and conditions, I'd expect to have my account reinstated.
05/17/2021	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	KY 40214	Web
Hello I tried to log in in my checking account from N26 Bank yesterday and it didnt let me. I called a costumer rep and the notified me that my checking account was closed without any information and that I would get contacted by N26 due to this matter. I also notified them that a direct deposit would come in in my account between today and Wednesday in the amount of XXXX XXXX I contacted the sender but unfortunately it was allready sent to my closed bank account. I wrote them several emails regarding this matter but didnt get any response. Prior to closing my account I never was notified by either email or phone. I hope this issue gets resolved ASAP and my direct deposit bounced back to the issuer. XXXX ID : XXXX Use this transaction ID to check against your bank statement. Processed Date : Mon XX/XX/2021 XXXX XXXX ( XXXX XXXX XXXX XXXX This payment refers to the following redemption request : Reference number : XXXX XXXX
08/28/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX XXXXX	Web
Today XX/XX/XXXX, around XXXX I was shopping with my N26 credit card which a product of XXXX XXXX and was shortly advised my card was declined. I proceeded to contact the bank via email, chat as well as over the phone. All communication platforms I was being hung up on over the phone, chats were ended and I was on hold and then told " we can not assist you at this time, and have no information for you. '' the total amount in this account is {$2700.00} XXXX. I do receive small deposits into this account. I learned later that my telephone number was blocked and general message populated which stated " We can not assist you, wait for us to contact you '' and the line disconnected again. I did do some research Online with this bank and found out under their XXXX accounts that there are hundreds of the exact consumer complaints of their accounts being frozen and never seeing their money again.
05/25/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	FL 33327	Web
Hello I have {$600.00} stuck with a bank called N26 Checking Account XXXX Name XXXX XXXX I opened the account ... .Read lots of good things about this new type of account online ... I deposited only a few {$100.00} per day ... ..And while having the account at most pulled from the atm XXXX per day ... ..there limits are FYI {$750.00} .... I have a few college friends who have it and have sent me a few dollars from things owed to each other ... ... OUT of the blue they frooze the account ... .any chance of trying to discuss with them they say funds are frozen I am under investigation ... ..I can't touch the {$600.00} ... ... I said ok ... .Waited 3 more days with out hearing them and they repeated the same blurb ... ... .it 's now been 8 days ... .they have my money no answer and funds frozen .... NOT HAPPY ... ... .Need help XXXX XXXX XXXX XXXX
05/06/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 95051	Web
N26 bank has frozen my account with about {$17000.00} on it. Nobody in the bank can provide any information or timeline, it has been 3 weeks and this is causing severe consequences as this is a significant portion of my funds. I've opened an account in the beginning of XXXX following identity verification. I have received a paycheck and relocation allowance from my employer who is a large tech company. After attempting an ACH transfer to my linked external account with XXXX ( in my name ), the bank has declined this operation and has frozen my account without notice. I've spent countless hours on the phone offering to provide any documentation regarding transactions, but they would not request anything, not provide any timelines on when I might be able to use my money again. There is no one I can speak to regarding this issue at all.
06/17/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem using the card to withdraw money from an ATM	FL 33055	Web
N26 PREPAID CARD HAS SUSPENDED MY ACCOUNT, STATING THAT MY ACCOUNT IS UNDER REVIEW RIGHT AFTER RECEIVING MY DIRECT DEPOSIT!!! IF MY ACCOUNT WAS UNDER REVIEW NO MONEY SHOULD HAVE BEEN ACCEPTED INTO THE ACCOUNT FOR THEM TO HOLD. NOW I HAVE NO MEANS OF LIVING AS THIS IS MY EMPLOYMENT INCOME. THEY ARE REFUSING TO GIVE ME A GIVEN TIME FRAME AND IS BASICALLY TELLING THERE IS NO SET AMOUNT OF TIME FOR ME TO RECEIVE MY FUNDS, THEY ARE NOT EVEN OFFERING THE ACCOUNT TO BE CLOSED AND I RECEIVE MU REFUND BY CHECK. THIS IS ROBBERY AND IT HAS BEEN ENTIRELY TOO LONG WITHOUT A RESPONSE AND IT ALSO TAKES UP TO 2 WEEKS FOR MY DIRECT DEOSIT INFORMATION TO UPDATE WHICH MEANS IT CAN BE ANOTHER LOST CHECK. WHAT THIS COMPANY IS DOING IS ILLEGAL AND THEY ARE ATTEMPTING TO SHOW MONEY. PLEASE PROVIDE A EXACT TIME FRAME FOR REVIEW OR SEND ME MONEY.
07/08/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	ME 04210	Web
I have been using N26 since XX/XX/XXXX and I have been primarily using the account to save money. On XX/XX/XXXX, I have noticed that the app will not let me sign in and kept asking to identify myself and provide prove of who I am. I have followed the steps numerous times and I still couldnt sign in. After a week, I reached customer service and thats when I found out that it was fraud and I was not getting my money back. They said theres nothing they can do for me and my account will close if the app can not identify me. Right now I dont know what to do, I have XXXX in the account and I have no access to it. I cant open my account and I cant move my money. I need serious help with this issue I am facing.
09/24/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	TX 75234	Web
On XX/XX/2021 I noticed my card kept being declined, despite me having money in the account. I contacted my bank ( XXXX ) to find out why and was told my account was frozen and they were doing a routing review and I cant access my funds during that time. I never received an email from them stating why my account was froze or how long their review would be. Customer support said they could not put me in contact with the department that does the reviews and hung up on me. When I email them for an explanation and a refund of the money in my account, I keep getting a generic response. They are stealing peoples money under the guise they are doing a review.
02/10/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 76131	Web
I opened an account with an online bank, N26, who is managed by XXXX XXXX. This entity froze my account because they had a issue with me getting daily deposits from my gig job. I work as an XXXX XXXX for XXXX, a smartphone app that allows you to work doing handyman services. I have emailed and cooperated with N26 by showing proof of my identity and proof that I do work for this company. I do not understand why it is their business to know this, but I have cooperated. They are holding my money to where I can not take care of my family and myself.
08/19/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MD 206XX	Web
On XX/XX/XXXX I contacted N26 regarding a fraudulent charge to my account. I was told 10 days to resolve. Today is the 12th business day, and all I keep getting is the run around. Ive been told 13 days, 18 days.. and that theres no way to contact a dispute department. How is there no way for them to contact an internal department to provide me ( the customer ) with more information? Each new representative tells a different story. Ive even been told new procedures went into effect and at this point, someone needs to intervene.
09/01/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	MI 48235	Web
N26 has locked my account and its been locked since XX/XX/XXXX I use this card all the time for online purchases and more. These ppl have locked my card and stated it was because of fraudulent activity when there was none and they have yet to explain where this fraudulent action came from because I sure didnt report to them anything. I was using my card just fine. I ask everyday when they will unlock my money and they wont tell me a time frame they wont answer my questions. I cant even pay my rent because of them!
06/24/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	OK 74820	Web
Received a notification from my banking app with N26. Was told that I needed to resubmit my identification again, for security reasons. I submitted my ID again to the app. This was yesterday on XX/XX/XXXX. Today, on XX/XX/XXXX, I receive an email that my account is now closed with no warning. I call N26 up on the phone, and after being on hold for 2 hours, I'm told my account was closed because of a new system update in place, I can open a " new '' account, and I may not speak to a supervisor.
11/08/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OH 431XX	Web
On XX/XX/XXXX my bank account was hacked. I got a notification on my phone of money being taken from my account. I didnt recognize the company so I immediately locked my account and requested a new debit card. The next day I got ahold of my bank account and they pretty much told me that I needed to contact the company that has my money and that they couldnt do anything for me. I didnt think that was my responsibility to contact the company that has my money. I still dont.
05/16/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	MI 49418	Web
N26 BANK NOTIFIED ME THEY ARE CLOSING MY ACCOUNT. THEY CLAIM THEY ARE SENDING ME A CHECK FOR MY ACCOUNT BALANCE WHICH ISN'T MY ACTUAL BALANCE. THEY ARE MISSING DEPOSITS TOO. THEY REFUSE TO PROVIDE ME AN ACCOUNT STATEMENT OR TRANSACTION LIST. THEY ARE REFUSING MY REQUEST TO REPORT FRAUDULENT TRANSACTIONS. THERE RESPONSE WAS TO LAUGH AT ME ON THE PHONE AND HUNG UP MULTIPLE TIMES. THIS BANK IS A TOTAL FRAUD AND SHOULD BE SHUT DOWN. THEY OWE ME THOUSANDS OF DOLLARS.
02/27/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	NC 27603	Web
I opened an account at N26 using referral code : XXXX where the sign-up bonus required me spend {$20.00} on the debit card through a POS transaction and receive a {$10.00} bonus. I did the requirement but never received the bonus. I contacted N26 support center, through social media, and email. None of the people were able to find the problem and distribute my bonus. They stopped contacting me and I just want the bonus for the requirement that I have fulfilled.
01/06/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33770	Web
N26 via XXXX XXXX in their Account Agreement and Disclosures Effective XX/XX/XXXX on Page 11 of 18 states that Over the Counter Withdrawals are permitted with a max of {$5000.00} per day. However when I tried to do this, the transaction is declined and support is unable to help. I reported this issue back in XX/XX/XXXX but they still have no resolved it. I have contacted them via email multiple time about updates on this issue.
06/08/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX 75115	Web	Servicemember
Tried to use my card to pay for emergency car repair for my child and was told my account is frozen and I cant use it until they do a review. I just used it previously and was not told by the company that anything like this was going to occur or anything. They just blocked my card and froze my account and said to wait for an email!!! I have spent the past 3 hours and no one can tell me anything ...
04/24/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Confusing or missing disclosures	CA 945XX	Web
N26 frozen my account. I can not send funds out, use my card, withdraw, etc. I requested to speak with a supervisor and he stated an account thats under review would only take a few days. Its been more than 4 months now and still no results for an account being under review There is about {$5000.00} in there and I still have no answers. Every time I call in now, I cant even get to a representative.
08/28/2020	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	NY 11106	Web
This bank closed my account saying unusual activity when its been the same activity since Ive opened the account, I have Nooooo access to my money and they are saying the account is under Review but I am unable to touch my money they say 10 days then they send a check out with your balance, also once they close your account they put your number on a call block list so that you cant speak to anyone
09/27/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	DE 197XX	Web
I tried closing my account with N26 Bank and they asked me in the Chat method for all my information AND SSN. Nobody is supposed to give their SSN around willy-nilly. Anyway, even after giving them the option to call/text me at the cellphone listed, they refused and first the chat-rep ( 'XXXX ' ) dropped off even after I gave my SSN. When I got back on again with her, she closed my account.
04/27/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	NV XXXXX	Web
A banking company N26 Close my account after calling customer support to get the statements I need sent to me I was told Im not able to get them because I dont know the creation date of the account Verified all other information and asked to speak with somebody higher than them a lady name XXXX or XXXX who answered the phone. She denied me speaking to somebody higher regarding the account
06/21/2020	Yes	Checking or savings account Checking account	Closing an account Can't close your account	MA 02116	Web
I have a XXXX account. When you try to find contact information in the app it shows an error, and it directs you to the self service menu. In that menu there is an option to close an account, but when you click on it only shows the process for a few seconds and then redirects you to the main help menu. It appears as a disingenuous trick to not let you figure out how to close the account.
07/24/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 94589	Web	Servicemember
On XX/XX/2021 N26 BANK FROZE MY ACCOUNT AFTER WINNING XXXX $ IN DISPUTES THAT WERE PERMANENTLY CREDITED TO MY ACCOUNT. THEY PUT MY ACCOUNT UNDER REVIEW & WILL NOT GIVE ME ANY UPDATE AS TO WHEN XXXX HAVE ACCESS TO MY MONEY ALL THEY SAY IS THERE IS NO TIMEFRAME & THEY ARE INTENTIONALLY TRYING TO KEEP MY MONEY FROM ME & IVE BEEN A ACCOUNT HOLDER FOR OVER 3 YEARS
05/12/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	MI 49418	Web
Company closed my account without notice. Refused to provide me account statements. Refused to allow me to dispute fraudulent activity. Laughed at me on the phone after I said I was on consumerfinance.gov filing a complaint against them. They have refused to allow me access to my funds. This bank is a total fraud.
08/16/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	GA 30311	Web
XXXX in my account Ive bank with this company for three years last year they froze my card they only offer chat support they have been giving me misleading info in regards to my account Ive lost my daughter and my home I need my money its been over a year and I still havent received my money
11/18/2020	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	CA 90068	Web
My account had {$4600.00} when the account was closed without notice. I was notified by email that I would receive a check after 10 days. After 90 days I still have not received the funds. The account was actively used, had enough funds, never reported fraud, or suspicious behavior.
07/09/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90020	Web
All of my funds were locked for a security validation. I have spent 2 weeks trying to submit my ID to this bank and they told me they closed my account and mailed me the check I just called and I was told my account was never closed. THEY ARE STEALING MY MONEY!
02/29/2020	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	FL 337XX	Web	Older American
I was denied from opening a checking account at N26 bank and was given no reason for that denial. I called why and ask and was not given a reason. Under the Fair Credit Reporting Act, banks are required to tell you why you've been denied a bank account.
06/26/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	IL XXXXX	Web
Bank N26 did not give back the money disputed. I have waited and not even provisional credits were given. Please take the money back from the merchant and put back in my account.
02/10/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	FL 32796	Web
I have had N26 hold authorization temporary holds for 31 days, even though the merchant has released held funds. They make it impossible to get these holds released
07/01/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	MA 01702	Web
I had fraudulent unauthorized transactions that were made on my account totaling about roughly XXXX and XXXX is refusing to dispute and refund me my money back
07/13/2020	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	MA 02125	Web
DATES : XX/XX/2020 AMOUNT : {$40.00}, {$78.00} the company charged me incorrectly by writing external bank refund charges
06/14/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	IN 47403	Web

05/19/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	MA 01464	Referral

05/31/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MA 01862	Postal mail

05/12/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MA 01862	Postal mail

03/22/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	NC 27106	Referral

01/27/2022	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	NY 11221	Web

11/15/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IN 47102	Referral

09/23/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IL 60435	Referral

09/17/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NY 10302	Referral

09/15/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 93703	Phone

09/14/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75072	Referral

09/03/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Confusing or missing disclosures	MI 48103	Web

09/02/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	OR 97008	Referral

08/28/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	LA 70648	Referral

08/25/2021	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	IL 60601	Web

08/25/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 90250	Phone

07/28/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	TX 75208	Phone

06/15/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 10462	Phone

04/02/2021	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	OH 44131	Referral

03/05/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PA 17864	Referral

01/23/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	TX 77385	Web	Servicemember

01/12/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	OH 44425	Referral

12/07/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92336	Referral

12/04/2020	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	FL 33130	Web

11/17/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 77082	Referral

11/02/2020	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	MD 21230	Referral

10/28/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	LA 70512	Referral

10/15/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KY 40475	Referral

09/14/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 10002	Referral

09/09/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90808	Referral

09/02/2020	Yes	Checking or savings account Checking account	Closing an account Company closed your account	NY 11377	Web

08/25/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA 30349	Phone

08/20/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32811	Referral

08/17/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	MD 21658	Web

08/10/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 33040	Referral

07/23/2020	Yes	Credit card or prepaid card Store credit card	Getting a credit card Problem getting a working replacement card	IL 61301	Referral

06/26/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	VA 20121	Web

05/19/2020	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account		Phone

05/07/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 76105	Referral

04/17/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 77082	Referral

12/06/2019	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 94903	Web

11/12/2019	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	IL 60640	Web