Revolut Technologies Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/29/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Wrong amount charged or received	CA 92841	Web
On XXXX XXXX, 2022 I made an outward transfer of {$6000.00} to one of my payee namely XXXX XXXX in XXXX through the Revolut app on my phone. I have previously made several other outward transfers from Revolut to other payees and therefore assume this transaction would follow the same course. However, to my surprise when I went to transaction summary ( Exhibit XXXX ), I noticed that my transactions had got duplicated. This further visible when viewing my XXXX statement marked in yellow ( Exhibit XXXX ) where the both transactions have clearly identified. The first transaction of {$6000.00} I had initiated it and the second transaction of the same amount to same beneficiary, the Revolut system had duplicated. I immediately within XXXX minutes of the duplicated transaction informed Revolut in app chat as that was the only source of communication permitted by Revolut as there was no phone number to communicate any transaction errors or such grievances. My chat session with representative XXXX initially, followed by the fully narrative with several other representatives who were involved as this is how the Revolut chat sessions work with several representatives handling ones case, the full chat session is shown in Exhibit XXXX Despite my insistence in the Chat session ( Exhibit XXXX ) that I had no way to recovery the funds from the beneficiary as he is different country and my transaction was with XXXX XXXX only on one off basis. Revolut representative keep on telling me to recovery the funds from the beneficiary. This is despite they acknowledging that there was error on their part and even if for a moment we assume that I had initiated the second transfer ( which I did not ), I had cancelled the second transaction within XXXX minutes which is what Revolut stated was the time limit required to cancel such transfer. Revoult did not recover the funds when in fact the error was made by the app or the system based on Technical glitch. In fact, this was duly acknowledged by Revolut representative XXXX in her response ( Exhibit XXXX ) to my complain when I initiated a complain through the Revolut compliant management by sending an email ( Exhibit XXXX ) to XXXX disputing the second {$6000.00} transaction which I never initiated. In addition to confirming that the duplicated transaction was not initiated by me as articulated in my complaint and in the chat session. I also responded to cancel the duplicated transaction within XXXX minutes of the transaction as required by Revolut email received confirming the transfer ( Exhibit XXXX ), in response to my complaint the Revolut representative XXXX ( Exhibit XXXX ) acknowledges the error on their part in not being able to cancel the transaction despite my timely notification. ( Pl note that I cancelled the transaction within XXXX minutes on my own accord when in fact I did not have to do this as the transaction was initiated on the serious operational failure on the part of Revolut. As per remittance confirmation message ( Exhibit XXXX ) states at the bottom of its message, it states If making a remittance, you have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days using the Revolut mobile application or emailing us at XXXX. You can also contact us for a written explanation of your rights. You can cancel for a full refund within XXXX minutes of payment, unless the funds have been picked up or deposited. The above message clearly articulates that you can cancel for a full refund within XXXX minutes of payments. I have cancelled the duplicated transaction within XXXX minutes ( even though I never initiated it in the first place ) and this has been clearly acknowledged in Revoult representative XXXX email response ( Exhibit XXXX ). Whereupon she articulates in her message that Having checked your claim, I can confirm that the incident you experienced had been escalated to our Payments team as soon as you reported it. Nevertheless, our specialists were not able to cancel the transaction due to the fact that it had been completed by the time they started the investigation of your case. With this in mind, I understand how troublesome and stressful it has been for you, and I am sorry for that. I can assure you that we are doing our best to detect any possible software related issues in advance. However, sometimes we are pliable to possible technical problems. In addition, as disclosed in Clause 27 of our [ Terms and Conditions \|https : //www.revolut.com/en-US/legal/terms ] : We'll do as much as reasonably possible to make sure that our services are not interrupted and are accessible at a reasonable speed. However, we can't promise that this will always be the case or that the services will be free from faults. As shown by the email shown above Revolut has blatantly violated their own policy of being able to cancel a transaction with XXXX minutes. And despite they stating that they have tried to cancel but the transaction was already completed. This is inaccurate as shown by the payment confirmation shown in Annex XXXX where the transaction was still not credited to the beneficiary account even after 2 days. This confirmation was shared by Revolut representative in his in App chat sessions when I requested a recall request, he stated that funds still to be credited to beneficiary account and he is working with intermediary bank to retrieve the funds. However, on XX/XX/XXXX ( Exhibit XXXX ), I received an email from Revolut representative stating that they could not recall the funds since it is was credited to the beneficiary account by the XXXX Bank. They had attached a XXXX message stating this details. This is total preposterous response because in their email communication they have accepted that there was genuine technical error on their part which resulted in the duplicated payment. They have accepted their failure not have cancel the transaction within XXXX minutes despite my initiation to do so. They have apologize for their service lapse and give me a credit of {$50.00}. Yet they have failed to negotiate with the correspondence bank and recall my funds which was never meant to be two transactions of {$6000.00} rather it was only 1 transaction of {$6000.00} but duplicated due to revolut error as acknowledged in Exhibit 3.
05/20/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	FL 33428	Web
Beginning in XXXXXXXX XXXX XXXX XXXX XXXX, I was called by an individual, XXXX XXXX, ( who presented himself as a XXXX XXXX XXXXXXXX employee in their High Risk Fraud Department. He had spoofed the banks number as it came up on my phone as XXXX XXXX XXXXXXXX. He stated that an individual had tried to withdraw {$20000.00} from my account as payment for construction work at my home and had I authorized this. I stated that I had not. He also stated that they had presented their drivers license with my information and their picture on it and had waited for a specific teller to do the transaction, allowing others to go ahead of them in line. He told me that they, the High Risk Fraud Banking team, were investigating this particular branch of the bank because there had been 46 cases of successful fraud totaling XXXX XXXX in the last 9 months. He said that I would need to secure my funds immediately, as I was being targeted. He stated that he had been assigned to my case and would be there throughout the process. He told me that my money was insured up to a XXXX dollars and that any fees that I had would be reimbursed at the end of the process, He also told me the FBI and FTC were involved in this investigation into the inside job at XXXX XXXX XXXX I left work in a panic and went to the bank, with him staying on the phone the entire time. After going into the bank at the fraudsters direction attempts to wire transfer {$20000.00} to a secure fund was unsuccessful. I then withdrew the money via cashiers check and deposited it into my credit union account, where it was then successfully wire to a fraudulent account. XXXX continued to contact me daily to expedite the securing of my funds. At his direction, I opened an account with Revolut into who the majority of the money transfers occurred after this. A substantial amount ( {$360000.00} ) of my combined retirement and savings was transferred into my Revolut account from XXXX throthe end of XXXX and in increments, converted into XXXX XXXX and transferred to 2 different people. In mid XXXX, a significant portion of the money had been transferred to the 1 person/ account that the fraudster had instructed me to add to my account. Only after multiple transfers had been made totaling approximately {$350000.00}, did Revolut give a generic warning asking about the nature of the transfers and asking for Bank statements and reasons for the transfers. At this point, the fraudster instructed me to add a second recipient to receive funds, which despite the warning and non- receipt of complete documentation from me, they allowed to happen ; hence a smaller amount of transfers went through with no further warnings from Revolut . At the beginning of XXXX, I did not hear from the fraudster for four days, and had difficulty getting in touch with him. He did not answer me through his email which he had provided so I attempted to contact him through the high risk fraud department at XXXX XXXX XXXXXXXX. It was then that I learned that there is no such thing as the high risk fraud department at XXXX XXXX XXXXXXXX nor was they are in XXXX XXXX working there. This is when on XX/XX/XXXX XXXX XXXX that I realized it was all a big scam and notified revolute that I had been scammed. They immediately closed down my account and initiated an investigation. As of this point, I still have not heard anything from them as they say that the investigation is ongoing, and their decision will be final when it happens. They tell me that any action on this issue will be dependent on their external partners which they refuse to name. They refunded XXXX for the Revolut account but I paid XXXX for the metal plan, which the fraudster had me open. That is all I have gotten back from them. I continue to stay in contact daily because as soon as I informed them of a scam, they immediately closed down my account and stated the reason is that it was used for fraudulent transactions, ( the wording on their website is somewhat accusatory towards the user of their services. ) I asked them not to delete anything and not to close down my account by XXXX XXXX like they said because this is an ongoing investigation as I have contacted XXXX XXXX XXXX sheriffs department, FBI, the FTC state attorneys office, XXXX, the IRS and now the consumer finance.gov site ; I dont know if they will close it or not on that date, as they are very noncommittal and evasive in their answers. I have since done my research and noted that revolute has an explosive number of fraudulent scams happening through its site being that it is easy to transfer money, domestically and internationally. I have downloaded and screenshot is all my information off the website in case I can not access it after the date that they said it will be unavailable. The fraudster managed to not get {$7000.00} which was the last amount of money in the Revolut account.
07/02/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	MD 20715	Web
I created an account with Revolut on XX/XX/2022 in preparation for a trip to XXXX where I knew I would not be able to access Euros in cash. I received a transfer of XXXX XXXX pounds into my account on the same day, so the balance on my account from that day up until now has been XXXX pounds. I first attempted to use the card to place the deposit for an XXXX on XX/XX/XXXX, for XXXX pounds, but the transaction declined. I didn't notice that the transaction had declined because I had canceled my reservation at the XXXX before I checked my Revolut account I attempted to pay the deposit for a hotel on XX/XX/XXXX, and again the transaction declined, but at the time I didn't notice because I received a confirmation email from the hotel that my booking had been confirmed. In the app, every transaction I have attempted shows that is has been declined. On XX/XX/XXXX, I tried to pay XXXX pounds for laundry, but the transaction declined and this was the first time I realized that none of my earlier transactions had gone through. Every time the transactions declined, the app cited " security issues ''. I tried to transfer the money from RevoluXXXX into my XXXX XXXX account, but again the transaction had declined. This was when I realized that my card would probably not work in XXXX so I would not be able to pay for my hotel, food, or anything else while in XXXX because the XXXX pounds I had allocated for the trip were stuck and inaccessible in my Revolut account. Recognizing how dire the situation was, I contacted support ( which is only available on an in-app chat ) on XX/XX/XXXX at XXXX am XXXX and received my first response from them the same day XXXX am XXXX in which the customer service representative assured me that they would " resolve this issue... as quickly as possible '' and that they were " forwarding this to the concern department ''. I reached back out several times over the next few hours to ask for updates about the situation, and at XXXX am XXXX I received a message from them stating that they were " reviewing '' my account. As of XX/XX/XXXX XXXX pm XXXX this was the last message I received from them in the app. Given that the circumstances of my issue with the app were urgent, I direct messaged Revolut on XXXX on XX/XX/XXXX at XXXX am XXXX They responded quickly, collected my information, and I was told that they have asked the team to " prioritize my case '' and that " hopefully they will respond via chat shortly ''. After not hearing back for several hours, I inquired again about when I could expect to have my case resolved, and once again I was told that they had told the team that my case was " urgent ''. I still have not been contacted by the in-app support and I can not access the XXXX pounds in my account in any way for any transactions. I have had to scrounge together money and pay expensive bank fees to withdraw cash that I do not have from my credit card account in order to survive in XXXX because I can not access the XXXX pounds in my Revolut account and there have been no serious efforts by Revolut to address the problem.
03/22/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX 75208	Web
On XXXX XXXX 2022 I initiated an ACH Transfer to XXXX to increase my secured CC limit. XXXX claims that they never received the payment. So I asked Revolut customer service, if they sent the XXXX and where to. They sent me a receipt without the receipients account number, only the routing number. Since two weeks I try to get a proper receipt. Today I got a chat response from Revolut that they can't access the data and need a written confirmation frm XXXX that they didn't receive the money, otherwise they couldn't further investigate. But without account number, XXXX can not verify. It is stunning to me that Revolut can't find out where the mony was sent. That shows me that neither the systems nor their expertise a worthy running a bank. The transfer was for XXXX XXXX. Here is today 's chat : Oh, they keep talking about a direct debit, which it was not. It was a transfer. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We just received an update from the payment team, they have not been able to access the direct debit information, do you have any confirmation from XXXX that they have not received the payment that you can send us? XXXX What do you mean they cant access the info? I sent the money, you generated an incomplete receipt, XXXX claims they didnt get it. There is, of course, no confirmation. If you cant access your own data then I dont know. XXXX Can you please send us a confirmation that XXXX has not received the payment? With that document the payment team can investigate further XXXX I HAVE NONE. WHAT DO YOU EXPECT? THE YO DONT SEND A LETTER. FIND OUT WHERE YOU SENT THE XXXX MONEY. Cant be that hard. XXXX I understand how frustrating this situation must be, in order to continue with the investigation we will need an email or some document in which XXXX has confirmed to you that it has not received the money. If the document wasn't necessary, we would not ask for it XXXX How hard can it be to find the receipients account number? No account number, no research from XXXX. If I had more documents I would give it to you! XXXX You have no email or chat confirmation, etc. that XXXX has not received the payment? XXXX No I dont. And that concludes this discussion. I summerize the situation : You have no idea where the transfer by went to. Now you try to make further investigation dependent on some XXXX that the receipient, which you cant identify, has not received the money. That makes neither sense nor does it show the competence of a financial institution. XXXX In this case I will let the payment team know, as soon as I have an update I will let you know XXXX Her is a copy of the contents of their receip, which clearly states 'transfer ' and not 'direct debit ' and the account number missing. Value date : XXXX Status : COMPLETED Type : ACH Transfer Transfer Confirmation Amount {$1000.00} Payment reference XXXX Payer details Name XXXX XXXX Account number XXXX Routing number XXXX Beneficiary details Name XXXX Account number Routing number XXXX XXXX XXXX XXXX
09/20/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OR 972XX	Web
I have had issues with this new bank from the start. It is supposed to be a US based business checking account called Revolut, which is under XXXX XXXX XXXX, out of New York. Every transfer that i sent out of this account they had sent as an international wire transfer to the receiving bank and it caused many problems with the other banks that recieved the money because banks tend to look at international wire transfers a little more than domestic transactions. I am a US citizen living in the US and my business is based in the US and any money i sent was not international. They tagged me with hefty fees because so many of my transfers were rejected and a XXXX dollar fee taken out. in the 3 months i have had this account ive paid over 1,000 in fees to them. ridiculous. that isnt even the reason for this complaint. I transferred money to two colleauges and it ended up getting their accounts closed because they suspected fraud due to the international wire transfers being sent for what were in reality supposed to have been domestic ACH transfers. I never got an option when choosing how to send my money they decided this, and it was always a wire in order to charge me a fee. So i had to ask them to recall a few transfers that i made as per instructions of the receiving bank. it was 4 transactions for XXXX each. When the first transaction was returned to my account they asked for some documents regarding certain transactions in which i provided them in a reasonable amount of time. they told me my account would be disabled if i didnt provide this information by a certain date, but i had sent it to them prompty within the timeframe specified. Well my account gets disabled as soon as the first recalled transaction is deposited to my account. I initiated a transfer from an exernal account for all but XXXX dollars of the balance and got confimation emails for direct debit set up sucessful from each bank. then they reversed the transfer and told my bank that requested the XXXX that it was unauthorized. They lied and gave a false reason because i never told them that I did not set up the direct debit. This is the third time this has Happend in which they reverse any transaction that i initiate from an external account to be debited from my revolut account because if i do it this way they cant collect a hefty fee from me. Its unethical and distatsteful, on top of not allowing me access to my funds or any time frame whatsoever in which i can have access to them? i never did anything to warrant this type of treatment. this is my money. how can they just not allow me access to it with no time frame given of when i can access it. and who are they to tell me when i can have my money and when i cant. and who are they to lie to my other banks and tell them fraudulently that i said it was unauthorized transfer. its really sickening that companies like this are allowed to take peoples money and trust and try to steal from them. please help me anyway you can. thank you.
12/03/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PA 17552	Web
XXXX \| XXXX XXXX Hi XXXX. My name is XXXX. I hope you are doing well. We have noticed the transfer into your Revolut account from " XXXX XXXX '' for the amount of " {$2700.00} ''. We will need to confirm a few more details as a routine check regarding this transaction. Could you please provide us with the following : 1 ) Purpose of the transaction ; 2 ) Proof ( invoice ) of the transaction ; Many thanks XXXX \| XXXX XXXX XXXX It's my paycheck XXXX \| XXXX XXXX XXXX As far as proof I don't know what proof you would need it's payroll... XXXX \| XXXX XXXX XXXX XXXX. This is as part of our standard security measures and as a XXXX XXXX XXXX regulated firm, we are asking for this information for verification purposes. This applies to all of our users and is necessary to fulfill our legal obligations and for your future transactions. The proof could be any supporting document ( invoice. receipt ). Thanks. XXXX \| XXXX XXXX XXXX But there is no invoice or receipt.. it's my salary Thank you so much for waiting and for staying on the chat. I really appreciate your time. Kindly allow me to inform you that I have submitted the case with all the required details. Now the case has been forwarded for further process to our escalations team. Hopefully, it won't take long now. This case should be moved to a faster conclusion and as soon it will be resolved then you will be notified. Thank you for your patience and have a calm day! XXXX \| XXXX XXXX XXXX Thank you... I think... never heard of suck a thing ... my wife got her check no problem XXXX \| XXXX XXXX Hi XXXX! My name is XXXX, I picked up this chat from my colleague and I want to start by appreciating the time you spent waiting. I am here to assist you today, so please give me a moment to check everything and I will do my best to come back shortly with a reply! XXXX \| XXXX XXXX Kindly allow me to inform you that I have submitted the transfer with all the required details. Now the transfer has been forwarded for further processing to our Transfer team. Hopefully, it won't take long now. Our team is currently working on this with top priority. This case should be moved to a faster conclusion and as soon as possible, I have requested priority for your case. XXXX \| XXXX XXXX XXXX Is there any update on this and is it going to prevent me from receiving my available funds tomorrow? XXXX \| XXXX XXXX I'm sorry for the inconveniences, we do everything in our power to finish the transfer, as fast as possible. As soon as we have any further information we will get back to you. is XXXX \| XXXX XXXX I have created another regarding your concern for declined transactions. My colleague will be assisting you there better. Thanks! XXXX \| XXXX XXXX And regarding the transfer with " XXXX XXXX '', our Escalations team is working on it as we speak, I will be updating you here on chat once they have any further details. Thanks!
05/19/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 92056	Web
On XX/XX/2021, I tried to access my Revolut account via their mobile app. the app kept crashing and it said they were having techinical issues. After I was finally able to log on, I tried to add money to my account via a debit card of another bank account, which did not work. It immediately triggered some sort of fraud flag. Via their verification review in their app, they asked me to take a selfie with one of my other connected bank cards to verify it. They additionally asked me to take a selfie with another card that I no longer have because the connected account was closed ( and card shredded ) over a year ago. I kept trying to explain one of the debit cards linked to the account no longer exists to their chat representative ( that's all they offer their paying " premium '' members ). I repeated it several times until she finally got it. And then, boom, I get a notification they have locked me out of my account indefinitely and they don't know when I will be allowed access to my funds. Additionally, they say I can not receive inbound funds, log into my account, transfer funds, etc. Moreover, I have a significant ACH transfer on the way to this Revolut account and am concerned because they say they will not take incoming transfers. When I asked " XXXX '' in customer chat if those funds will be returned to the initiating institution he keeps repeating that while they have denied me access to my account, they will keep my funds safe until I pass their " review '' -- - they refuse to answer if my incoming ACH transfer will be returned to my initiating bank. I pay for a premium " membership '' for this account that they have now seized without reason. As you can see in the chat, they will not tell me why or when I can access my funds. This bank -- backed by XXXX XXXX XXXX -- consistently crashes, locks users out of their funds and provides no real customer service besides chat bots. I spent four hours today trying to get an explanation or answers. Before they permanently locked me out of my account, you can see the attached screenshot where the " verification process '' is shown as being submitted on XX/XX/XXXX, but reviewed on XX/XX/XXXX -- when actually this all took place today XXXX XX/XX/2021 ) and not in a time warp. These unethical accounting errors, swapped out dates, shutdowns, and technical glitches are common and not to be trusted. As you can see in the chat transcript, it took me four hours to get responses and they still do not read for comprehension or answer the questions asked -- just flippant, canned responses -- and now, radio silence. Again, I pay {$9.00} a month for the privilege to speak to a chat bot concerning when I can access my money. Thanks in advance for any assistance you might be able to provide.
11/04/2021	No	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	VA XXXXX	Web
I am customer of Revolut USA. After heavily advertising payroll direct services to me in-app and via email, I signed up for the service. The actual XXXX XXXX providing the ACH services is XXXX XXXX XXXX in New York. Ever since properly setting up the payroll direct deposit to my Revolut USA account with my company ( all I had to do is enter the checking account and routing numbers on the company payroll website ), my funds have been deposited into my Revolut USA account between 1 to 5 days late. I work for a large corporation and direct deposit has never been an issue. I used to bank with XXXX XXXX. Without fail, payroll direct deposit funds were always available on or before the scheduled pay date, in case of that date falling on a Sunday or Holiday, and that was consistent for the last nearly 25 years. Colleagues who bank with the various large traditional XXXX XXXX tell me that they never have any payroll direct deposit issues. I get paid twice per month and after switching payroll direct deposit to Revolut USA in XX/XX/2021, not a single paycheck arrived on my account in time. Actual pay dates vary on an irregular basis and funds are available between 1 to 5 days late, most often between 3 and 4 days. The most recent example : Pay date was XX/XX/2021, a Monday and regular business day. The 3 colleagues I worked with over the weekend reported that they had the funds available in their checking accounts on Saturday, XX/XX/XXXX. That is consistent with my previous experience. I do not expect early payment from Revolut USA, but it is not unreasonable to expect my salary to be available on the posted day, especially after the daily marketing messages to me, advertising the reliability and especially the speed of the Revolut USA payroll direct deposit, promising funds to be available earlier than with most other banks. I have had several chats with the friendly Revolut USA support folks. While I appreciate them being supportive, there have been no results. I was asked to report issues with details and copies of payslips whenever this issue arises, but I don't think it is reasonable to expect the customer to provide details and copies of payslips every 2 weeks to further investigate while not a single result of any of the investigations has been communicated to me to this date. I have done all due research that is possible for me to do. I have contacted my payroll department several times on this and we verified that all the banking info has been entered correctly on the company payroll direct deposit web page. Unfortunately, there is no direct communication possible with Metropolitan Commercial Bank, which is the actual financial institution behind Revolut USA handling ACH transactions.
12/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	AZ 85251	Web
Dear CFPB : On the morning of XX/XX/2022 at approximately XXXX XXXX, I received a notification from Revolut of multiple charges being made for large amounts on my XXXX XXXX I immediately checked the application and saw that my account was in the process of being drained, with transactions of {$460.00}, {$1100.00} ( in XXXX currency ), {$4100.00} ( in XXXX currency ), {$1100.00} ( in XXXX currency ), {$1100.00} ( in XXXX currency ) having been made through multiple merchants, in multiple locations globally. Within a 5 minute period, nearly all the funds were drained from my account, before I was able to freeze the card. After the card was frozen, another attempt was made to charge the card for {$1100.00}. I reported the fraud within 5 minutes, at approximately XXXX XXXX, by filing chargeback/fraud reports and talking with customer service. Investigations were opened. At approximately XXXX XXXX ( 3 hours later ), I was notified that the fraud investigation had been resolved, no fraud had been found, and there was no possibility of appeal. It is apparent that Revolut did not conduct any investigation - this possibly was automated. Any fraud professional would clearly see the transactions do not fit the pattern of the account, do not fit the geography of the account, and fit the pattern of fraud. Revolut has denied me my right to a proper investigation of disputed charges and has refused to charge back / refund fraudulent activity. The report was made within 5 minutes of seeing the fraudulent charges - when the charges were still pending and easy to cancel. Revolut has no regard for the law in regards to card disputes and does not care to investigate theft properly. I have never used the card that was stolen from nor have I given the information to any third party- this came out of nowhere. These charges were made in a blitz account draining, as scamartists do with stolen cards and would be apparent to a professional investigating properly. The card was checked by multiple merchants to ascertain it was active, then charged until it ran out of money, over a 5 minute period. CFPB, please hold Revolut accountable for their willful violation of FTC dispute/fraud laws. I have attempted to reach out multiple times, with the blanket response that there is no appeal - no reasons, no request for additional information, no request for information from the merchants to determine who stole the money, etc. Please compel Revolut to issue the chargebacks and return my funds for the fraudulent activity on my account on XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX {$460.00} The card number was XXXX.
02/06/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	IL 61244	Web	Servicemember
All of it began on or about XX/XX/2021. On this date, I received a total of {$760.00} for XXXX transaction disputes I made - and these XXXX transactions were provisional credits, as per Regulation E. Immediately, I attempted to use my Revolut ATM pre-paid debit card at an ATM to withdraw my funds and I was declined. I made numerous attempts to use my funds, as I received an email that the funds were mine to freely use, as per Regulation E. I Immediately contacted the company, Revolut via XXXX App to complain I was unable to use my funds. The agents refused to tell me anything except they would pass my complaint to the relevant Department. I asked what Department the agents were referring to, and they said they weren't allowed to tell me. I followed up daily and was told the same thing, until I was finally advised my account was being closed. I was also informed no credits credits any nature would be credited as my account was closing. It was then, on XX/XX/2021 I was allowed to transfer these funds via ACH to my XXXX Bank Account by XXXXXXXX XXXX During this time, and I'm not telling about a completely different matter, I also had a credit of {$200.00} being returned to me. Nearly everytime I contacted this Company, Revolut, their agents kept referring to 'the relevant department ' and I was unable to acquire the name of or communicate to this Department and the agents routinely engaged in unproductive communications or purposefully, they would keep stating my account was closing and " we are sorry you are upset about it ''. Finally, after filing a formal complaint with this Company, the {$200.00} was credited towards a now negative account balance. I had requested this credit be sent to me in check form or via ACH to my XXXX Bank Account and I never received a response to my request. I immediately wrote customer service who would not address my concerns. Further, I received an in-app notification my {$740.00} ACH Transfer was experiencing problems and it was delayed. To this date, I have never received this ACH Transfer and the company has since stated the Dispute I filed was improper and that Iost and has since debited my account the same and which is why it is now negative. I feel Revolut had improperly serviced my account. I feel Revolut has engaged in improper and illegal behavior as I feel they have retaliated against me for my numerous complaints and subsequently and routinely refused to acknowledge or discuss my many complaints. This Company has violated my Rights in relation to Regulation E and I never was able to use these funds 'freely ' as their email states.
11/06/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	VA 201XX	Web
I am writing to file a complaint against my financial institution, Revolut, for denying my right to a fair chargeback for goods/services not received. The transactions in question occurred on XXXX XXXX XXXX XXXX XXXX. I have listed them below along with the relevant details : Transaction : Date : Merchant : Amount : XXXX XXXX XXXX XXXX XXXX {$40.00} XXXXXXXX XXXX XXXX {$28.00} XXXX XX/XX/XXXX XXXX {$39.00} XXXXXXXX XXXX {$44.00} XXXXXXXX XXXX {$45.00} XXXXXXXX XXXX XXXX {$26.00} XXXXXXXX XXXX XXXX XXXXl {$26.00} XXXX XXXX XXXX XXXX {$35.00} XXXX XX/XX/XXXXXXXX XXXX XXXX {$25.00} XXXX XX/XX/XXXX XXXX {$34.00} XXXX XXXX XXXX XXXX {$27.00} XXXXXXXX XXXX XXXX XXXX {$47.00} XXXX Its important to note the billed XXXX XXXX XXXX ( XXXX ) because the merchant billed for these services that were not provided nor purchased, and each of the merchants listed I have never heard of before. Despite my repeated attempts on XXXX XXXX XXXX XXXX to resolve the issue with Revolut, they have continuously denied my requests for a chargeback. I firmly believe that as a consumer, I have the right to a fair resolution when goods or services are not received as promised. I have provided Revolut with all the necessary evidence, including proof of purchase and attempts to contact the merchants involved, to support my claim. However, their denial of my chargeback requests has left me feeling frustrated and unfairly treated. I kindly request your assistance in investigating this matter and ensuring that I receive a fair and timely resolution. I believe Revolut should be held accountable for their failure to address my legitimate concerns and honor my consumer rights. " I would like to point out that Revolut has repeatedly stated that they can not submit my chargeback due to card scheme rules. However, I want to clarify that this statement is incorrect. According to XXXX chargeback reason code XXXX, which falls under the 'Consumer Disputes ' category, the shorthand description is 'Merchandise/Service Not Received. ' This reason code explicitly states that the cardholder can dispute a transaction by claiming that they never received the merchandise or services they purchased. Therefore, Revolut 's assertion that they can not submit my chargeback based on card scheme rules is unfounded. ''
10/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MA 023XX	Web
On XX/XX/XXXX and XXXX, a series of fraudulent transactions were billed to my debit card that drained the balance of my account. I filed a chargeback form with Revolut for all of these fraudulent purchases on the XXXX of XXXX. The first fraud transaction was billed to a small enterprise in XXXX, XXXX. I called the owner of this store who mentioned that a wave of fraudulent transactions with stolen card data was used that day through his e-commerce site. Immediately after this first fraud transaction for about {$6.00}, a series of transactions to XXXX for each XXXX yuan were made every two minutes. I have never been to XXXX or given my card details to anyone. On the XXXX, a transaction to XXXX XXXXXXXX XXXX was made for {$11.00} in the morning. After this payment went through, the same thief from XXXX made another XXXXevery two minutes to drain my account. I will attach my transaction list to this claim. The thief tried to make multiple purchases once my account was empty. I filed the chargeback claims with Revolut on the XXXX and the bank is only refunding me for the XXXX, XXXX purchase and the XXXX XXXX XXXX purchases. Revolut claims they found no evidence of fraudulent charges relating to the payments to XXXX. I asked Revolut to provide the documents used to make this decision as the EFTA Regulation E provides that right to consumers. Revolut has refused to give me these documents stating that goes against " regulation ''. I am concerned that Revolut failed to run a proper investigation into my fraudulent claims. I believe the EFTA grants me the right to see how Revolut claims the payments were not fraudulent. I am attaching the four documents below : 1. Debit card transaction list detailing fraud claims 2. Revolut 's initial notice stating my chargeback claims were invalid 3. All communications with Revolut 's customer service refusing to provide me the requested documents 4. Revolut 's response to my formal complaint sent to its headquarters asking for the documents I hope you can see from these documents that Revolut is acting unfairly by not explaining how they think the payments to XXXX are valid and issued by me. I have lost over XXXXXXXX XXXX from fraud and hoping to get any of this back.
11/07/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX 750XX	Web	Servicemember
On XX/XX/XXXX my cell phone was stolen. I was using Revolut as my banking servicer. There were charges that were made on the device before it was wiped after reporting it stolen. I attempted to dispute these transactions as fraud to Revolut. The " security team '' at revolut confirmed access to my accounts from another device and stated it was compromised. However before the security team even finished securing my accounts the " chargeback team '' had already claimed to resolve the dispute stating no fraud activity. Completely against the information that was provided to me by the security team. I requested that the case be properly investigated and Revolut informed me multiple times that the chargback was rejected by them and they would not investigate. After multiple times attempting to get them to review the information and screen shots of the conversations with their own security team. They still refused and stated they will not do anything one a resolution was made final. The timing of the quick response and rejection of the dispute as well as the results of the dispute being provided WHILE my account was locked down by the security team who had me reset my passwords and made sure to secure my account, shows that Revolut ignored the regulations to fully investigate the reported dispute in good faith. They refused to re open the dispute and use the information provided to them by their own security team, and based on the evidence provided a result knowingly and willfully when such a conclusion could not have reasonably have been drawn. I spoke with another representative regarding a request to receive all of the dispute documentation including the investigation notes from the security team showing unauthorized activity on my account. The representative informed me that they only provide the results to the dispute and that when a dispute is final there is no way for them to make any changes. I also requested clarification as to why the dispute team did not use the information about my account compromise. I was not provided any avenue to get clarification. This again is against the banking regulations requiring documentation at my request.
06/18/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	XXXXX	Web
On the XX/XX/, I got a call from an unknown caller saying He was from XXXX XXXX. He told me that someone has tried to use my account details for fraud. He said that he would have to move all my money from XXXX XXXX to Revolut because my account is under investigation for fraud. He then had me download the Revolut app and sign up which I did. I believed him because he said he was from XXXX XXXX and he was very convincing. He had me move my money from XXXX savings account into my XXXX current account and then he told me to move some money into the Revolut account ( first i transferred XXXX then he had me transfer another XXXX ( I have uploaded a picture ) Altogether I moved XXXX into the Revolut app account. When I realised that the balance in the Revolut account is XXXX and there has been a deduction of XXXX and XXXX and money had gone to a name called XXXX me XXXX XXXX, I realised it was fraud then I called XXXX XXXX ( my bank ) immediately. Then when the caller realised I had XXXX XXXX on my land line phone, he cut off the line. I contacted XXXX XXXX and they told me to contact Revolut. I contacted Revolut to help me resolve the issue and they said they are unable to recover my money. They said the transaction is invalid which is unsatisfactory because I did not take the money from the Revolut account. The scammer took the money. The balance in the Revolut account is now XXXX. The money I transferred from my XXXX XXXX into the Revolut account was taken by scammer. They used the name XXXX me XXXX XXXX. I have asked Revolut to recover my money but they said the transaction is invalid which is not true. I believe they can trace where my money has gone to but they are not doing that. which is why I am contacting you. Please can you help me look into this issue. Please can my money be refunded back to me as soon as possible. I need my money back. I dont have a job, I lost my job, I am unemployed. Please help me recover my money. I have also reported the case to the police. Here is my crime reference number : XXXX Thank you very much.
08/03/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	OR 97086	Web
Hello, I am writing per the terms of the Revolut Cardholder agreement " 17. Preauthorized Credits. If you have arranged to have direct deposits made to your Card Account at least once every 60 days from the same person or company and you do not receive a receipt/statement ( or paystub ), you can contact us using the Revolut mobile application or send an email to XXXX to find out whether or not the deposit was made '' I have a recurring direct deposit that was never posted by Revolut that was scheduled to arrive on XX/XX/XXXX ( Friday ), 2021 - in the amount of {$9100.00} USD from XXXXXXXX XXXX XXXXXXXX. I've confirmed with my employer that the amount was sent and has not been returned. My employer uses XXXX as a payroll processor. I'm not sure if the funds didn't arrive or if the funds are being held by Revolut due to compliance issues. I've never had a direct deposit not post by the actual payday ever at any bank in the United States. I understand sometimes a deposit may post early due to the 2-day early pay, but this may not always be the case. The expectation then would be the funds would post on the actual pay day. As you can imagine this has caused some financial impacts. Revolut customer service has been unhelpful because to trace the payment they need the sending bank information which my employer is unable to provide because they use XXXX. I've asked Revolut to use a previously posted direct deposit to use for the same sending bank details. I working in banking and compliance and I've seen an ACH file - it is not very difficult to do a quick search if you only have part of the details or if you have a reference transfer. Additionally - I have not received ( I looked through the terms and conditions ) the specific funds availability policy ( RegCC ) as a deposit holder including or a RegCC hold notice. Thanks
07/03/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27520	Web
On XX/XX/XXXX, I contacted XXXX to switch the direct deposit of my benefits from XXXX XXXX XXXX XXXX to Revolut. XXXX gave me confirmation that my direct deposit information was updated and my XXXX benefit payments would be deposited in the Revolut account via XXXX XXXX Bank on XX/XX/XXXX. Come XX/XX/XXXX, I checked my Revolut account and did not see my XXXX deposits. I contacted support and they stated it was an issue with the sender. I called XXXX and they confirmed that the deposits were sent to the right account and they opened a trace on their end. I gave Revolut this information via the chat feature. I asked repeatedly to be transferred to the department who was investigating this matter, since customer service could not even see anything. I was stonewalled and stated I could not speak to that department and never could, which was a lie since I spoke with XXXX in the Transfer department just the previous week on a different matter with a missing transfer. Everytime I ask for updates, I just get blanketed copy and paste statements which provide no actual updates on where my missing {$3300.00} deposit is. I can not pay my rent, buy medication, buy food for my kids, or anything. Never once since I have been receiving benefit payments since 2008, has this ever happened when I have used a real bank. To not have any answers and to be told that me asking if the supposed department that is " investigating my case '' is even working over the weekend is an internal matter that can not be told to me, is beyond ridiculous and shady. My {$3300.00} is lost and Revolut is being really shady as far as providing actual updates as to what is being done to find and deposit my money. I am facing eviction for non-payment because I am not receiving any answers from Revolut.
09/18/2023	Yes	Prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	DC XXXXX	Web
I wish to close my Revolut card because Revolut has made it clear that it will not permit me to open a XXXX XXXX unless I provide a " National ID Card, '' something that does not exist in the United States. I have already provided a RealID compliant driver 's license from the XXXX XXXX XXXX, a lawful jurisdiction in the United States, which was sufficient to open the Revolut card, but for reasons Revolut will not address, the same ID is insufficient to open an associated interest-earning savings vault. I am permitted to open non-interest bearing vaults, but there would be no reason to do so when Revolut advertises, apparently falsely, that interest of 3.25 % can be earned on an interest-bearing vault. The current balance on the Revolut card is XXXX. When I attempt to close the Account, the Revolut app says it can not close the account with a balance greater than XXXX. When I attempt to transfer out the XXXX balance, the Revolut App declines any transfer of less than XXXX. Accordingly Revolut would require me to add additional funds to the Revolut account and then once the balance exceeds XXXX, they would presumably permit me to then transfer the full balance out. Nothing in the terms of service require me to add money to an account for any reason, including for purposes of closing an account. I request Revolut provide a written explanation to the CFPB as to why a client can not close an account due to rules not stated in any contract that preclude the customer from transferring out or otherwise receiving the remaining balance. When I attempt to use Help, I can not reach an agent. When I attempt to use the option to transfer in and then close, the defective Revolut App continuously restarts, effectively locking me out of access to the remaining XXXX balance.
09/20/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	VA 22203	Web
In XX/XX/2022 I went to XXXX as a volunteer to support people in need there. I lived in a volunteering camp in the south of XXXX. In XXXX one of the camp inhabitants took my smartphone without my permission and left the camp. I reported this case to the local police ( please see the screenshot attached ). In a week I got to know that there are unauthorized transactions on my debit card that has been set up on the smartphone. I have reported it to the card company ( Revolut ) and have been told that a dispute has been opened. As there was no communication from Revolut- I have been checking the status every XXXX days using their application. I have screenshots from XX/XX/XXXX and XX/XX/XXXX where their customer service told me that the dispute is still in progress ( please see full history in the attached pdf ). However, today, on XX/XX/XXXX, another customer service representative told me that the dispute was declined on XX/XX/XXXX. I asked why his reply contradicted his predecessors and why there was no communication through email but got a reply that this dispute is declined and there is nothing to do. I asked to explain why the dispute was declined but got no reply. I also asked to show the exact text of the dispute filed by customer service on my behalf but I have been told that it's impossible because the dispute is already closed. Since customer service declined to provide the details of the dispute and the resolution, I'm concerned about whether my case was filed and considered. As I still see the fraudulent transactions in the Revolut application - I was able to take screenshots from the app. Please see the attached screenshots with the list of those fraudulent transactions that I didn't authorize as my phone was taken without my permission.
06/10/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other service problem	NV 89048	Web
Hello, I attempted to sign up with revolut.com. They provide a way to transfer money from my XXXX XXXX to a foreign bank as well as convert the currency at far better rates than bank to bank transfers. I use a similar service from their biggest competitor XXXX which I had no problem signing up with. Upon completing the Revolut sign up, I was granted an account and within 1 minute my account was blocked and deleted. Revolute sent a templated email stating my account was denied and banned, no reason disclosed. I contacted their customer support for details on why I was denied as well as whom I could contact to rectify the situation? Was their something amiss when I setup such as my address, my name, my SSN? Customer support stated that they will not provide the information as to why I was and will remain permanently denied. I counted that they must use a service or something such as XXXX or XXXX, XXXX and the like to determine why I was denied at Revolut but not with their main competitor XXXX? Revolut responded with the decision is final. Thank you Revolut customer support email below : XXXX XXXX, thank you for your reply. I regret to inform you that we are no longer able to offer you our services and that your Revolut account has been deactivated- meaning you will not be able to open a new one in the future as well. I am sorry that this is the case, but under certain circumstances, we have to make these difficult decisions. As a financial services institution, Revolut conducts checks to ensure customers privacy and account safety. Sometimes, this means we have to close an account, which we reserve th e right to do so as part of our Terms and Policies. Thank you very much for your understanding. Kind regards, XXXX XXXX Customer Support
10/21/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 93550	Web
Dear Sir/Madam, I am writing to formally file a complaint against Revolut Ltd , a financial services company, regarding the arbitrary closure of my account and their handling of disputed transactions. I have been a customer of Revolut Ltd for over two years and have generally had a satisfactory experience with their services. However, recently I have faced issues that put the integrity and reliability of the financial institution into question. In XX/XX/2023, I initiated a chargeback request against a company named XXXX, which I believe manipulated trading results to their benefit. I followed the proper procedures and presented sufficient evidence, including screenshots and documentation, to support my claims of unfair trading practices. My request was declined by Revolut Ltd, citing regulations and rules without adequately investigating the matter. Soon after this, I discovered that my Revolut account had been permanently closed without any clear explanation. I was merely advised to check their Terms and Conditions under Clause 24, which outlines possible reasons for account termination. However, none of the conditions listed apply to my case. The timing and manner of these actions have put me under immense financial and emotional stress. Revolut 's actions appear to be retaliatory following my dispute with XXXX, and I question the ethics behind such abrupt and unsupported decisions. This situation has not only caused me financial loss but also shaken my faith in the financial system that is supposed to be secure, transparent, and customer-friendly. Thank you for your attention to this matter. I look forward to your swift action. Sincerely,
02/02/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	NY 10027	Web
Thank you for taking the time to look at my case. Company : Revolut, amount {$20.00}. Date XXXX XXXX, 2021. The case is regarding Revolut, a virtual debit car wallet with a physical card too. I recently opened my account with them ( back in XX/XX/2021 ). On XXXX XXXX, 2021, I was attempting to pay a friend using XXXX, so Revolut came out and I knew I had money on it, so decided to pay using it. The transaction was declined by XXXX because I had {$20.00} on Revolut and the amount I needed to pay was a bit higher. However, Revolut kept the {$20.00} they charged me ( although their rules say do not charge for declined transactions ). I contacted their customer service several times and each time they give me a different answer. First time I contacted their customer service they told me that my card was compromised and they issued me a new card number. Second time, the agent told me that I had spent that money myself with an authorized charge, which is not true. And when I tried to file a chargeback, they denied it to me saying the charge was authorized. However, XXXX XXXX did not take the money, and the history of charges show Revolut as the merchant ( attachment no. 1 ), so Revolut took my money without being authorized and without any services bought. I repeatedly asked what is the charge for, and they have no answer to me. As you can see in the attachment ( no. 2 ), I filed a complaint with them, they responded on XX/XX/XXXX again denied me a refund, still with no explanation of who took my money and what they did charge me for which you can see in the letter. Thank you for your consideration.
11/20/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33160	Web
Got scammed at XXXX gas station through secondary transaction : I stopped at the gas station between XXXX and XXXX in XXXX and paid XXXX XXXX pesos ( XXXX $ ) for filling up, while the staff at the gas station has been holding my card ( less than XXXX minute ), another physical transaction occured - for amount of XXXX USD, with the merchant registered in XXXX XXXX ( 2000 km away ). I've noticed it only when I was out of the gas station as it has been overlaid by the transaction in pesos, but it was within a few minutes since it happen and i've texted XXXX support through the chat right away ( only way to contact them ). Obviously, I didn't authorize this transaction in any way, nor provided any personal or PIN details. I've been told to submit a claim and terminate the card, which i've done. Next day I received a very detailed answer " we didn't find any fraudulent signs '' - please ask in the chat if you need any details. Thrown away another XXXX hours in the chat talking to basic support and than a " XXXX '', with all replies being very simillar to generated by ChatGPT telling me how sorry they are about poor experience and their hopes of it getting better in the future... So whenever such scam occurs- all that XXXX does is forwarding a claim to VISA ( card operator ) and then just say it's XXXX 's decision and they can't do anything else but feel sorry for me. To me it looks as a very obvious and straightforward fraud, which can be verified very easily- it's a pity that the approach taken by this financial institution is to do nothing to prevent this and helps such criminals to prosper.
08/22/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OH 45244	Web
On XX/XX/XXXX I proceeded to add {$400.00} to my Revolut account via a debit card. After doing so I proceeded to close my account associated with my debit card. The reason for loading the funds was to drain my account so I could close it. I also promptly destroyed the debit card for security concerns. After closing the account where the funds originated, I no longer have online access which means I can not retrieve any documentation. On XX/XX/XXXX I proceeded to attempt to withdraw the money to my main bank account ( XXXX XXXX ) in order to pay some credit card bills. The withdrawal was sent back to Revolut. I logged back into Revolut and attempted a payment and that was denied as well. My account is currently locked as Revolut is seeking a picture of my now destroyed debit card. Obviously I can not provide this. I have explained this several times. I am happy to provide means of proof of my identity. I have offered to simply just let me pull the money out and they can close my account ( it's only {$400.00} ). I have even offered to have the funds sent back to original destination and I would have to deal with retrieving the funds from the original bank, which I am sure won't be easy. All of these offers have been declined and they are still asking for a picture of my destroyed debit card. I destroy financial information by burning it. I can not get that back. As it stands my funds are essentially locked forever as I can't unburn a debit card. This is unacceptable. There has to be another means of retrieving my funds but they are refusing to work with me on an alternative.
10/01/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	CA 94132	Web
The conversation I had with the customer service team went on for a while, but XX/XX/XXXX is the date I have on record. The XXXX company revolut had a hacking incident, and I felt unsafe with the account. Phishing attempts through XXXX increased by a multiple of at least XXXX after the incident. I never received an email from Revolut about the incident. I found out through the news. My concrete complaints are : 1 ) Revolut did not provide information on how my personal information is treated in the company. I am unsure if the leak disclosed my social security number ( if it's unhashed ). They ensured me that my information is secure when it obviously isn't. 2 ) They said they would follow up with me but once the account is closed, I couldn't access my account to get updates, and repeated attempts of trying to contact them resulted in failure. I can't remember if my bank account is linked to Revolut and had to freeze my credit on all three American credit bureau. So far nothing has been taken out of my account as I placed a hold on my funds so no one can withdraw a large amount. I am not sure if as a customer and a user of pre-paid cards is supposed to receive this treatment, but Revolut 's handling of my personal information and my request to understand how much information is protected has been difficult and unsuccessful. I am not sure how to get help at this point. Please note that I have attached the entire history of my conversation with Revolut for refrence.
08/15/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NJ 08757	Web	Older American, Servicemember
On XX/XX/ I received an email alert on my XXXX to call toll free number XXXX ( XXXX ) XXXX. It said : " This is to notify you that your Social Security Number has been terminated due to suspicious activities found during our investigation ... '' I called the toll free number after reading and a XXXX XXXX XXXX answered and asked me for the case number on the letter : SSA-XXXX. He then placed me on hold and transferred me to a XXXX XXXX XXXX whose number is : ( XXXX ) XXXX. He had several questions. One being did I have a checking or savings account? Did I have a passport? Did I have a driver 's license? My mailing address. Then he wanted to know if I had XXXXXXXX XXXX desktop application on my device. I said no. He then walked me through adding the XXXX XXXX from the XXXX store and he ask me for the 9 digit pin to come online with me. He then said, " I can see your bank account. '' Then he moved {$5700.00} to a XXXX XXXXXXXX XXXX routing number XXXX and account number XXXX that he said was a SXXXX XXXX account but it turns out to be Revolut Technologies Inc. address : XXXX XXXX XXXX ; XXXX XXXX XXXX, DE. XXXX and under New York State Law for any fraudulent claims. The New York Attorney General file number : FILE # XXXX - XXXX XXXX - XXXX : XXXX XXXX XXXX has been advised. Since the moneys was domestic wired from my XXXX account to Revolut Account with XXXX. Also XXXX XXXX transfered {$500.00} to a XXXX XXXX by way of XXXX. Total loss : {$6200.00}
05/30/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	NC 27520	Web
On XX/XX/2022, I sent money using Revolut from the US to my XXXX XXXX account for {$730.00}. With this type of transfer, the funds are in my XXXX account within a matter of hours. After the funds did not show up after Revolut stated everything went through correctly, I asked Revolut to do a trace because the funds were not in my XXXX XXXX account. What happened was a bunch of run around. I asked for a trace to be opened and they did not start one until that Thursday. I did not receive a response from their trace department until Friday evening. When I did the transfer their system stated I would receive the funds same day. It was not until after I raised the issue did they state that the funds were sent via XXXX and the timeframe was 5 business days. It is a bait a switch tactic from Revolut and it turns out they are not even the individuals who do the transfer so there are so many delays. It also does not help that they prioritize their customer service by who pays to upgrade their account. So if you are just on their free account, responses are super slow and they do not care. I keep being told to have patience when me and my children have no money for food, my medication or for rent. It is now a week later, I still do not have my money, and I keep getting the run around. This type of customer service is unacceptable when you are dealing with individual 's money.
03/29/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	TX 78613	Web
REVOLUT TECHNOLOGIES INC blocked my account three times and I was not able to check the balance, transfer money, purchase cryptocurrency, etc. The first time was on XX/XX/XXXX and the account was abled to be unblocked on the same day after I submitted the paystubs and bank statements for the last three month. However, one week later on XX/XX/XXXX, my account was locked again and asked me for the very same information as last week. I submitted the info immediately and asked for the reason my my account was blocked again. The account was unlocked on the same day but no reason was provided. On XX/XX/XXXX, which is 11 days later, my account is locked. This time Revolut did not ask me for any information but saying the account was under review. I tried to message Revolut multiple times from XX/XX/XXXX to XX/XX/XXXX but no meaningful information was provided but replying with standard messages. Sometimes Revolut even ignored my messages. I have around {$5000.00} balance and {$2500.00} worth of crypto currency in my account that I could not move for 2 weeks. Revolut is applying for a bank license in this US but what Revolut doing does not make it a bank that could satisfy customer needs. I am always willing to provide the information to get my account unlocked but this time my account was put on hold for two weeks without asking me for any information.
03/29/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TN 37821	Web
I reached out to Revolut customer support requesting a chargeback for the following charges. I provided all information requested in their submission form. Today I was provided a follow up email stating that the request was not legitimate and that they would not initiate the chargeback. By federal law ( The Fair Credit and Billing Act ) I am allowed to dispute charges that I find to be fraudulent and have explained to the company that I believe the charges to be fraudulent, but instead of helping me dispute these transactions they are refusing to look into the matter further. I even reached out to customer service via chat to get an explanation, but was provided a canned response of their process without any explanation why my request was not " legitimate ''. I am still seeking to contest these charges and am submitting a formal complaint to the CFPB. This is an unprofessional and illegal business practice and I'm hopeful that this issue will be remedied. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/14/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	OR 97123	Web
On XX/XX/2022 I initiated a bank transfer of {$800.00} to Revolut to fund the account. Revolut flagged the transfer as needing payment verification which I provided 3 times. I reached out via their help chat feature, the only way to talk with a representative, to ask for clarification on why my provided documentation was not sufficient. I was bounced around to many different representatives, often times having to wait XXXX hours to a response in the chat. I have a 26 page chat history from being bounced around so much. At first I was told that the provided documentation didn't match the account the transfer came from, then I was told that my husband 's name was in the memo field and that is why the transfer could not be completed. Then they asked for transfer confirmation from the other bank. Then suspiciously they didn't need the transfer confirmation and I received a note saying my account was fully functional and provided a 1 month premium subscription discount. Then my transfer changed from " pending verification '' status to " reverted ''. They claim they reverted the transfer on XX/XX/2022 and that within 5 business days I should see it in my other account. It is now XX/XX/2022 and there is no sign of the transfer being reverted.
02/09/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	NY 11530	Web
I moved from XXXX to the XXXX. In XXXX, I used Revolut for a very long time. When Revolut opened up in the US, I wanted to have a Revolut account on my US phone. Revolut asked me to close my account in XXXX and then open one in the US. When I closed my XXXX, I had to forego my premium plan and lost money there. On XXXX XX/XX/2022, I got confirmation from that my XXXX account and the related cards were closed. When I tired to open the account in the US, the system said that there is another account associated with my email. When I tired with a different email, they told me that I failed verification and that I have an account with my first name, last name and DOB. I tried approaching Revolut customer services ( XXXX XXXX ), unfortunately they have a customer services that only answers generic questions but not customer specific question. They asked me to try from the app but that did not work. Revolut then just closed the case with no resolution on XXXX XXXX. I am very unhappy with Revolut and certainly will not use their product but I want to know why my email is still showing active and how are they using my personal information given I closed my account. I suspect a data privacy and data usage issue here.
09/05/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	XXXXX	Web
On Saturday XXXX of XXXX Revolut have send me a notification to say more account is frozen and I need to provide proof of income I have provided payslips and bank statements. I then told them Im preforming at XXXX in XXXX this year that I need my money to have a good time. Also I need my money as Im travelling home the next day. They told me this problem will be resolved and Ill be able to access my account by the end of the day. There was a bit of back and forward until late that night. Sunday the XXXX of XXXX I have asked multiple times for an update as I need to get home Im stuck in XXXX and Im from XXXX they did not care kept saying sorry this could take up to 21 days. I told them I have not eat and I need to go home. I explained this for the whole day. I had to beg for 7 to get a bus this was very degrading and it really looks bad on my character as I do social media. They did not listen i talked to bots all day and was filled with trash. Over the last day or so I have told them I need this money to go to work get food and pay bills but yet they still wont help Im willing to work with them for whatever my account was flagged for but even at that they wont tell me why my account was frozen
03/26/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	ME 041XX	Web
I started to use Revolut app about a month ago. Also signed up for premium. At first I attempted an exchange and was charged a large fee, so I inquired and was told I was advised to sign up for premium membership. Then I attempted another exchange today, I noticed after the transfer that I was charged a large fee ( XXXX $ ) again without any clear notice of the same. This was contrary to what I expected as I was told by customer service to get premium to avoid fees. Then when I reach out to customer service, I get an explanation that this was a weekend charge. I did not see a fee displayed prior to the exchange. I attempted to bring up the same screen to see how the exchange makes it clear that there would be a fee. Heres what I discovered - REVOLUT INTENTIONALLY HIDES THE FEES BELOW THE BRIGHT BLUE EXCHANGE CURRENCY BUTTON. This is clearly intentionally deceptive and fraudulent. I've requested a call from a manager and was told they don't allow speaking with customer service and must rely on chat feature in the app, who are not helpful at all. Attached is a picture of your app clearly showing the deception at work. Thanks for your attention to resolving this.
10/18/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	NY 10038	Web
I uploaded the XXXX application to my phone. I used the account initially as a friend from abroad paid me through this application. I transferred the money to my XXXX account with the XXXX. At this point XX/XX/2021 my account was hacked and various transactions took place unknown to me. I went back on to the application in XXXX of this year to transfer once again dollar money from my chase account through Revolut to my XXXX account in sterling. One transaction went through but XXXX did not and was since transferred to a number of contacts that I do not know that are not on my phone and that are entirely fraudulent. The company resolut say they will not reimburse me and saying that these transactions are indeed me. I reported the fraudulent activity to my local police precinct and have a case number XXXX. Revolut have no option to call anyone it is purely via chat room or email. They have been thoroughly unhelpful, unprofessional and essentially calling me a liar. I am looking to of course get my money back which is in total over {$4000.00}
03/19/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	OR 97220	Web
I had inadvertently created a stop payment for a credit card payment, but no one at customer service is unable to cancel the stop payment. Due to this my credit card payment was late. I have submitted this three times. ( XXXX, XXXX, and 3/10 ). I had to transfer funds to another bank as a work around. This is unacceptable. Note the customer service chat I am unable to forward since it is within the banking application, but XXXX maintains the chat history. Background : Revolut is a fintech company providing digital banking services where the underlying bank is XXXX XXXX XXXX. They refer to an 3rd party initiated ACH payment as a " direct debit ''. I have on 4 occasions now mentioned that the payment was returned due to a Stop Payment that credit card company indicated even when sufficient funds were available. As a test on the same day, I initiated a {$1.00} dollar ( test ) and {$500.00} ( the payment that is being stopped ) and the {$1.00} dollar payment posted, but the {$500.00} dollar payment did not post.
04/06/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CO 802XX	Web
I sent a transfer from my XXXX business account to my newly open Revolut Business account after a few days of pending status and sending them some requested documentation they decided to close the account it has been 22 days since they received the money and yet they have failed 3 times to return it back to my XXXX account Their customer support its like speaking to a 5 years old on incompetence they get a 5/5 I get constantly lied to my face by their representatives they reply the same manufactures answer your problem will be solved soon you are priority number 1 and still they are so incompetent that they admitted on chat to sending back the wire with the beneficiary details instead of the senders details when is where the wheres is supposed to go Not to talk about all the loses and damages Revolut caused me so far by having XXXX $ taken away from me for almost a month now in this current complex global economic situation they are fraudsters and the more I read online the more concerned Im about my money
06/24/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	WA 985XX	Web
On or around XX/XX/2023 I tried to login to my Revolut bank account online and I couldn't. So I did what that asked me to do and talk with their customer service I did and I sent them all my info and selfie holding my id for them to verify it was my account they did and they told to wait 24 hours to reset my passcode I did and I still can't access my bank account. I have done all that 3 more times and no luck. I emailed them and asked if they would close the account and mail me a check for the balance of the account which is XXXX dollars and some change. They asked to verify my info again I did and they came back with talk to customer service again. It's been two almost two weeks of me sending and verifying my info and not being able to get my money. All I want is my money back from my account at the banking app Revolut. I just want the account closed and a check mailed to the address on my account so I can get my money. So please help me get this issue solved and to be honest shut down the banking app.
03/16/2021	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	CA 92122	Web
I had an account with the prepaid card App " revolut '' They asked for ID verification I sent them my ID, Front and back, Proof of employment, My federal tax returns, Etc After jumping through hoops, 1 more request after another, endless documents requested. Then they still decided to close my account anyway. Fine. That's their right. But now there is absolutely no possible way of contacting them. There is no contact email on the website, the only option to contact them is through the app, only after you login. But since my acc was closed, my login no longer works, so I can not login. please, I urge you to look into this. This company still has a relatively large amount of my money that was in that account, And since the time they closed it, the IRS claims to have sent both the 2nd and 3rd stimulus payments into that same account. PLEASE help me to contact this company, and PLEASE investigate this so it doesn't happen to others. This is literally a scam fake bank. Fraud company
07/16/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CO 80401	Web
The financial technologies company named Revolut partnered with XXXX XXXX Bank recently blocked my account as I could not provide screenshots for my recent add-money transaction from XXXX XXXX since the card from XXXX I used was removed from XXXX XXXX and thus the device recognition number has since changed. I attempted to let them verify the transaction by providing my bank statements of the card I used. But they insisted the screenshot of the original device recognition number in XXXX XXXX be presented to them and blocked my account without further explanation. The chat function in their app is no longer usable as they only told me that they will look into this issue within an unspecified time frame. The funds in my account are no longer accessible and the annual service fee I paid to them ( around XXXX dollars ) can not be refunded. This is arbitrary action has caused a significant financial stress and their non-transparent way of treating customers is most unacceptable.
12/18/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30341	Web
This is my second complaint in an attempt to remedy the situation. My Revolut Business Account has been temporarily blocked for the last 15 weeks. I can not access the account via the app or online. I have attempted to contact Revolut Business via the online chat system and have not received a satisfactory response as to why my account is blocked and when I can get access to my account funds over the last 15 weeks.. my last chatRevolut requested a copy of my passport and a picture holding the passport and new banking information where the funds could be forwarded. This was provided. I have not heard from Revolut in that time. I can no longer access Revolut support using my standard credentials The customer service is extremely poor with no ability to call and speak to a bank representative. All communication is done via chat through the application. Very often responses takes several hours during a chat. I would just like to access my money and close the account.
07/20/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble using the card to spend money in a store or online	DC XXXXX	Web
Revolut, a prepaid debit card, offers subaccounts called vaults, where money on deposit with the card can earn interest. In my case, the offer is to earn 3.25 % on balances placed in the vault. Due to defects with the Revolut application, I receive an error when I attempt to create a vault. The only way to raise a concern with Revolut is by chat. They do not accept phone calls. A chat regarding this issue was commenced at XXXX on Monday, XX/XX/XXXX. After nearly four days the problem remains unresolved and the multiple employees who have joined the chat have provided ineffective assistance, inconsistent information and overall deceptive guidance. Attached is the complete chat log. I have withdrawn all the balance using an ATM, but that left XXXX XXXX on the card that an ATM machine can not dispense. It is hard to come up with a place that I can spend the XXXX XXXX balance but I will continue to look for that opportunity so that I can get the card back to XXXX.
02/25/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	FL 333XX	Web
On XX/XX/2021 - Revolut US restricted access to my account and is not allowing me to withdraw the {$5600.00} I have within the account. I contacted them via in-app chat and received no response. I had to XXXX them on XXXX to receive a response. I was told via a XXXX direct message that I would receive a response in the app chat from the Revolut team shortly. I was told that they were still in the process of checking things on my account and that they could not give me a time estimate on when my account will be re-activated. On XX/XX/2021 - I contacted them again regarding this issue and received the same response. On XX/XX/2021 - I contacted them again and received no response. On XX/XX/2021 - I contacted them again and received no response. On XX/XX/2021 - I contacted them again and received no response. On XX/XX/2021 - I contacted them again and received no response.
08/21/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75287	Web
I attempted to add {$100.00} to my Revolut account using XXXX XXXX ( XXXX XXXX ). I was then restricted and a request to confirm the " card '' being used to load my Revolut account was mine. I followed the instructions and for over XXXX hours I did not receive any response. I had to flood their direct message box on XXXX to get any attention, the representative who ended up taking my original chat in their app, provided no help and informed me it was being reviewed. Upon checking the status, no movement has been made, it doesn't even state the review has been submitted. I received my salary from XXXX XXXXXXXX via direct deposit to Revolut and I've completed their identity verification upon opening my account.My direct deposit from XXXX XXXX will be deposited on XX/XX/2022, I need access to those funds for bills. It has been more than XXXX hrs and absolutely NOTHING has been done.
03/23/2023	Yes	Checking or savings account Savings account	Managing an account Banking errors	WI 539XX	Web	Servicemember
Dear CFPB, I am writing to report an ongoing issue with my savings at Revolut since XX/XX/XXXX. Despite multiple attempts to resolve the issue with their chat support team, my two savings have not been earning any interest. I have spoken with a dozen different online representatives and emailed twice, but the lack of communication and information sharing between team members has made it difficult to identify the problem. Moreover, representatives have been delaying the conversation until it is no longer their responsibility, resulting in unnecessary delays and a loss of interest on my savings. Below is a list of customer service reps who have worked on my case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your urgent attention to this matter and a timely resolution to the issue. Thank you for your assistance.
06/04/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	WA 98011	Web
I opened a prepaid bank account with REVOLUT in XX/XX/2019. See www.revolut.com. The only way to communicate with them is through a phone app which I installed. There is no login but your phone number is used to validate you. They provided me with a debit card. According to their website, the funds in the REVOLUT account are held at XXXX XXXX XXXX Money is loaded to the REVOLUT account using other debit cards ( " loads '' ) It worked for a while but now REVOLUT has " restricted my account permanently ''. It seems because they want to see my spending patterns on a completely unrelated credit card. I have a balance of {$4000.00} in the account. I have asked them to close the account and refund my the balance but am getting no response. I can provide you with my phone number ( used by the Revolut app ) and the Revolut debit card number.
05/05/2021	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	WI 537XX	Web
My sister made a transaction on XXXX of XXXX with XXXX XXXX, I've tried to deposit my funds to my personal account on XX/XX/XXXX, but XXXX canceled my attempt and asked to proof my identity, so I did : I sent them my personal photo with holding my DL in hands, sent them XXXX statement, SSN number, but it wasn't enough for them and XXXX decided to lock my account and freeze all my funds due to suspicious activity. after 14 days of reviewing my claim I contacted them again and they said that they can't do anything about and I have to file a claim at their corp website. I've done that as well. after 14 days no one called me either. I tried to contact XXXX online agent again but they locked my access to it and just didn't respond me back for 24 hrs already and counting ... ... ..
08/27/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	TX 792XX	Web	Servicemember
The company randomly issued a notice stating they were closing my account due to a review and that " sometimes these things happen and they HAVE A RIGHT to do so '' during which I had multiple chargebacks I had to file to a company that charged my card upon also taking cash as payment. I want my money back from the chargebacks and my account reinstated, as I have done absolutely NOTHING against the terms of service. Multiple attempts to contact yet no avail, will be considering a lawsuit and filing a class action as well as a settlement option because of this I now can not get my pay. causing pain and suffering for my family. The company sends multiple harassing emails a day yet fails to respond when needed.
09/29/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	IA 52240	Web
This complaint is regarding my personal account with email XXXX and my phone number is XXXX. My account was locked by an automated system without warning and I have been unable to access nearly all my money for two days. I made a mistake in trusting Revolut and moved almost all of my money to your platform right away. Because of this block, I have faced late and bounced payments fees, the inability to purchase necessities, and immense stress. I immediately sent in all the requested information via chat to the compliance officer and I did not get a reply or confirmation. I have not been able to contact anyone in more than 24 hours - the single point of contact you provide, in-app chat, is not responding to me.
08/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	IL 60446	Web
Revolut has continually blocked my access to funds, first via using my debit card, then by preventing me from selling cryptocurrency and now by locking the account in full. They have not provided any of the services that they advertise for their metal plan and prevent users from leaving their scam of a bank unless they pay more while they have their funds locked at this XXXX XXXX XXXX XXXX XXXX XXXX Both XXXX and Revolut need to be investigated for fraud and financing foreign affairs. This is not an isolated incident. US citizens are having their assets locked away by Revolut and are having to continue to pay the monthly fee to keep open the account that Revolut is holding money hostage in.
10/20/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 331XX	Web
Revolut blocked my account right after I deposited XXXX dollars into it and is refusing to unblock it until I send them screenshots of my XXXX XXXX with a number for a card that I do not have. I tried to explain to them that I do not have this card ending in those 4 digits but they are saying that they can not release the hold on my account until I provide them with photos. They are asking me to provide them with something I do not have, and am therefore at a stalemate with them. XXXX XXXX changes the card numbers whenever you link and unlink a card. There is no way to give them the information they request. Please intervene on my behalf.
09/29/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30341	Web	Older American
My Revolut Business Account has been temporarily blocked for the last 5 weeks. I can not access the account via the app or online. I have attempted to contact Revolut Business via the online chat system and have not received a satisfactory response as to why my account is blocked and when I can get access to my account funds over the last five weeks. The customer service is extremely poor with no ability to call and speak to a bank representative. All communication is done via chat through the application. Very often responses takes several hours during a chat. I would just like to access my money and close the account.
10/08/2020	Yes	Money transfer, virtual currency, or money service Virtual currency	Wrong amount charged or received	AZ 85635	Web	Servicemember
Thru the Revolt bank app, I purchased {$80.00} worth of BCH but I only received {$57.00} worth of BCH. I contacted support thru chat in the app due to they do not have a customer care number. I explained to them what happened and they explained to me that there is a fee for the exchange. I understood the fee for the exchange which is usually 1 % to 5 %. I explained that I lost XXXX dollars in the exchange, which is 30 %, and how insane that is. I never heard back from them and I feel that I have had {$23.00} stolen from me. i've checked 4 exchange sites and i should of recieved XXXX BCH and i recieved XXXX BCH worth XXXX.
06/01/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AE XXXXX	Web
My husbands 's salary is set to direct deposit ( {$3400.00} ) to my personal Revolut XXXX checking account has been " pending. '' They are hassling me about the source and purpose of this money. I supplied the last 3 earnings statements and they are still withholding this deposit. Money was to be deposited XX/XX/2020. They do not appear to be in any rush to solve my problem ( not solved as of the writing of this complaint ). The money has not been unfrozen - and they do not want the direct depositing of his salary to my account ( Revolut does not offer joint accounts - that is why he is not listed on the account ).
03/25/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 789XX	Web
Im missing a direct deposit of over {$3500.00} in my account. I always receive my deposit on Wednesday every other week. Its now Friday and it still hasnt arrived. My employer verified theyve sent the funds as usual. Ive received dozens of direct deposits from the same company over the past 2 years. This is the first time Ive had a problem. Their customer support has no record of my deposit which my employer confirmed was sent. Social media users on XXXX, XXXX, and XXXX are posting complaints about the same issue. This is causing undue stress and financial trouble for their customers.
07/10/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 954XX	Web
XX/XX/20 Notified Revolut that i was recieving my paycheck into my account as a direct deposit and that it was a large amount as they told me not to worry that it would be fine XX/XX/20 Tried adding monet several times with my card to my account with it failing and external bank never being sent an authorization charge, meaning it was never issued from the originating bank ( Revolut ) Causing the transfer to fail. XX/XX/20 account locked no response and paycheck now deposited into account and I have no way to contact support or find out when i can access the funds I need to be able to live
11/08/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 77043	Web
Revolut has asked for me to verify my account funds. I have provided documentation, but they have frozen my account while they review. They have had the account frozen for more than 3 weeks. They have provided no email address for me to send documents, so that they can perform verification, and they have provided no means for me to contact them. I now do not trust that they even have my money, and I want to withdraw it, and they have said that I am not allowed to withdraw my money and close my account. My next step is to file a claim with the FDIC for the return of my money.
02/07/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	NY 10460	Web
My card and pin was stolen by a friend, revolut staff claims they investigated but they did not, because if they did they would have looked at the ATM AND MERCHANT VIDEO SURVEILLANCE CAMERAS AND OBSERVE IT WAS NOT ME AND THESE WERE UNAUTHORIZED TRANSACTIONS WHICH WAS THEFT AND FRAUD.AND THE STAFF OF REVOLUT IS XXXX THEY THINK XXXX XXXX XXXX XXXXXXXX THAT I AM RICH THIS IS NOT TRUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} was stolen out of my account and they just won't take any responsibility.
03/23/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	OH 45245	Web
A payment for {$500.00} was sent from my client to me on XX/XX/2022 from XXXX XXXX XXXX Bank account ending in XXXX to my Revolut Bank account ending in XXXX. The money never arrived in my account. I contacted Revolut Bank, but they were unwilling to provide a solution. They were provided all the pertinent information needed to find the deposit but kept telling me, " the deposit doesn't show in your account '' I know the deposit is not in my account - that is the reason for contacting them. Revolut refuses to research or release the funds.
02/24/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 791XX	Web
I made a transfer by mistake and immediately contacted revolt to recall the transfer. After speaking with several agents that instructed me to unsend the transfer or recall the transfer They stopped responding when I sent them screenshots of the recall transfer option not working. You click it but nothing happens. As for the unsent option it does not exist. This is when communication stopped each time even when I sent an excerpt from your website clearly saying that I had the right to cancel within 30 minutes they did not respond
09/18/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 329XX	Web
On the XXXX XX/XX/2023 I tried to buy some bags online, using 1 physical card from XXXX. When I was completing the transaction they took my card details and after a week ( XXXX XX/XX/2023 ) they steal me XXXX $ in 6 transactions of XXXX $ each to XXXX in Florida from my XXXX account. Obviously all UNAUTHORIZED Transactions. I informed immediately the banks that those are unauthorized transactions but they replied to me that for them the transactions arent suspicious. How can I proceed in order to get a refund for my losses?
02/09/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MI 49418	Web
A {$15000.00} transfer was sent to Revolut on XX/XX/21 from my XXXX brokerage account. They asked for a statement from XXXX which I sent within 1 hour. They later asked for another statement from my source of income. I sent them my XXXX statement showing my income. They then threatened to close my account and stole all my money. Revolut claims the {$15000.00} was " reverted '' but it was never returned to XXXX. This company is a total fraud and should be shut down and the people responsible should be put in prison for life.
05/16/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MI 49418	Web
I REQUESTED TO WITHDRAWAL MY REMAINING FUND BY ELECTRONIC FUNDS TRANSFER TO ACCOUNT XXXX ROUTING NUMBER XXXX. THE BANK DID NOT SEND THE TRANSFER PER MY INSTRUCTIONS. THEY CLAIM TO HAVE SENT IT TO ACCOUNT XXXX BUT I CONTACTED MY BANK. THEY DID NOT RECEIVE ANY DEPOSITS IN THAT AMOUNT TO THAT ACCOUNT. THIS IS NOT THE FIRST TIME I HAVE HAD PROBLEMS WITH THIS BANK. THEY APPEAR TO BE STEALING MY MONEY AND TRYING TO CLAIM THEY SENT MY MONEY WHEN THEY DIDN'T. THIS BANK SHOULD BE INVESTIGATED FOR FRAUD.
11/12/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91010	Web
Customer service was contacted about a pending, unauthorized debit to my account. The company claims the funds would be released on XX/XX/2022. The funds did not get released. The screenshots taken from the companies app clearly show the release date of XX/XX/2022. Upon contact, they have changed that date until 16 days after the transaction was debit from my account. The company is lying, and misleading customers. They have applied, and not received a banking charter in the United States.
03/08/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IL 61265	Web
Ive filed an FDIC and States Attorney generals office complaint against Revolut and your fraudulent bank practices violating depositing under regulation E laws and guidelines. You limited my account after clearly receiving and accepting my IRS tax refund from the IRS, only to suspend my account for review within 39 minutes. Intent to sue letter will be faxed to NY office by the morning. I even uploaded my tax refund transcript which is XXXX ludacris to do and also illegal
03/05/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 94103	Web
I have several transactions refunded by the merchant. They say they have not received the refund. I have provided screenshot and proof or refund. I asked them to dispute the transactions as refund not received. They won't do it. Their customer care representatives are every arrogant. They don't listen or refuse to escalate the issue. I have XXXX $ of funds they're holding up and not releasing to me. There is no response for complaint registered with them on XX/XX/XXXX.
10/25/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NY 115XX	Web
Issue related to a wire transfer with the company Revolut XXXX. XX/XX/2022 : Wire transfer of {$240000.00} made to Revolut. XX/XX/2022 : Revolut rejects the funds and claims to have wired them back. Multiple attempts were made to obtain a tracking number for the allegedly returned wire transfer and after a week of constantly reaching out to support they have been unable to provide the whereabouts of these funds. XX/XX/2022 The funds are still not accounted for.
07/24/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	NJ 08873	Web
We have a revolut checking account from which we make regular recurring payments. Last month payments stopped working. Over 10 attempts failed. For 23 days we can not make a payment. 36 customer support specialists repeat the same message- they are waiting to hear from IT. The same payment works from another revolut account. We informed them About that but it seems they can not resolve it. We are incurring penalties and other losses due to this. XXXX XXXX XXXX
12/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	XXXXX	Web
Yesterday, I received an sms to pay for a parcel I was waiting for. In the sms there was a link to pay for shipping. I used the link and tried to pay with my revolut card. A code was asked and I received it via sms as well. I encoded the code. The transaction was not performed. During the night, several transactions were made in my revolut account and the money was stolen. Revolut considered that is my fault and they can't return my money. Please advise!
05/03/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 94025	Web
Revolut has prevented me from transferring more than a limited amount of funds from my account back to the XXXX bank account I've used to fund this account in the first place. More than a month ago Revolut asked me for documents to help prove the source of my funds, which I promptly provided, including my employer pay stubs. They have yet to review these documents weeks later, yet have placed a silent ( undisclosed ) hold on my account.
04/16/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 90045	Web
On XX/XX/2021, Revolut limited access to my account without notice or without stating an explicit reason why. This limitation results in me not being able to use my funds at all - effectively a full freeze where i am not even allowed to access past bank statements or other useful information. Note : This was preceded by an untimely review of a transfer to my account, which i have submitted another complaint for.
03/30/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	IA 52240	Web
I am unable to fully close my account with Revolut. I continue to receive monthly statement emails from them, which indicates that my account is still open. However, I requested my account be closed more than 1 year ago. I can not log into the Revolut app as the app believes my account is closed. I can not contact Revolut because they provide absolutely no way to reach them without logging into the app.
07/16/2020	Yes	Money transfer, virtual currency, or money service International money transfer	Wrong amount charged or received	TX 78757	Web	Servicemember
I made a transfer of XXXX Shekels from a Revolut account to an XXXX bank account. XXXX Shekels were delivered. XXXX offered 0 fee transfers with a caveat that intermediary banks may have fees, but no estimation of those fees was provided. Further, upon contacting customer service, no explanation of the fees could be provided. I confirmed with the XXXX bank that no fees were charged to receive the money.
02/20/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 94103	Web
My account was terminated by Revolut. However, there are refund processed by merchant after account termination for several transactions in my account. Since I do not have access to my account anymore, I have asked them to refund it to my bank. They do not reply or isn't willing to refund my money. This company is very bad. They don't give proper support to users. They have bad policies and process.
04/25/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	OH 45371	Web	Servicemember
Revolut closed my account because of what I believe was cash looping. However, I never used a credit card to top up my account, only debit cards. According to their website : https : XXXX XXXX looping only involves topping up with credit, not debit cards. Therefore, I believe my account was wrongfully closed. I have contacted the company, but they have not responded to me yet.
01/20/2021	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	CA 94103	Web
Im restricted from using or closing my account. I have provided identify verification documents. My account has been in review for weeks and months. They wouldn't do anything. They wouldn't close my account or remove restrictions on my account. They violate many rules in their US operation. They say they are bound by XXXX rules, and they don't care about US laws
07/25/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	CA 954XX	Web	Servicemember
No support when they abruptly close my account for no reason, the funding bank that sent me XXXX $ is saying it wasn't returned by Revolut and another transfer that I sent to another account I own is also missing of {$2500.00}, I have requested tracking numbers and can't get a straight answer. I'm missing this money And I have nothing left they took all my money.
07/21/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA XXXXX	Web
XX/XX/2021 I sent a dispute for a transaction I made ( {$500.00} XX/XX/2021 ). I am disputing this transaction because I have not received the service I paid for. I got a partial refund. Since my dispute was sent I have not received any resolution from my bank XXXX. I was told many many time that I should be patient. But after 6 months no resolution.
09/09/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NY 10003	Web
I had difficulty using my debit card - transactions were declined both at merchants and at ATMs. The bank 's customer service kept asking to try again and again, with screenshots to show that the card is not working. They even asked me to go to a ATM right away or to make a purchase right now, when all I was asking was for them to send me a new card.
08/16/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	TX 792XX	Web	Servicemember
Chargeback for two transactions XX/XX/XXXX and submitted XX/XX/XXXX for XXXX at an atm that withheld my funds, Bank did not respond and failed to provide a credit within XXXX days which is the law and can be proven by Reg E. failure to do so is against the law. please provide my credit back to my account or I will take this higher to courts.
04/16/2021	Yes	Money transfer, virtual currency, or money service Virtual currency	Other transaction problem	CA 90045	Web
I am paying a yearly service for premium service on the revolut XXXX Today I needed to pay some bills and my account is locked / suspended. Since my account is suspended I can not use their service to pay bills nor can I access any of my funds. Reaching for a live rep has ben imposible to do even with premium service I am paying
05/16/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Problem adding money	CA 954XX	Web
I have an account at Revolut /XXXX XXXX XXXX and I had my sba loan get deposited there on XX/XX/20 of XXXX $ and that locked my account I can not get ahold of support and I am unable to access my funds. there is no way to call or email any one to resolve why I'm locked out of my account and can not access my money.
02/13/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	GA 30012	Web	Servicemember
I have an account with Revolut ( US ) backed by XXXX XXXX XXXX in XXXX XXXX, NY. XXXX has locked me out of my account and the funds held there because I tried to top up an XXXX XXXX account to pay a friend for a meal. Theyve stated this is action against there policy and will not give me access to my funds.
07/18/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 951XX	Web
XXXX XXXX XXXX XXXX XXXX for XXXX XXXXXXXX and {$250.00} XX/XX/XXXX they didn't even notify me for suspicious activity when it is very clear that it wasn't me there were alot of charges for XXXX XXXX like over 20 transactions yest they didn't block my card but they locked it for a {$20.00} XXXX purchase
06/16/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Other service problem	TX 774XX	Web
I have used revolut for around 2 years to receive money from friends. I received a payment of XXXX euros, exchanged it for USD and attempted to pay a bill. The account was locked for a standard check with no explanation, no warning or ability for me to take care of my bill which is now past due.
02/21/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	IL 61265	Web
Standard stuff from a prepaid card bank, I have unauthorized charges which legally under regulation e laws and guidelines Im not liable for, I immediately have my card canceled and report these transactions, for the bank to deny my dispute claim 2 hours later, not even filing with the merchant
11/21/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	MO 63301	Web
I tried to add a new debit card as a funding source to my account. This card is in my name and in my possession. They restricted my account and now I cant it use it at all because I can not provide proof of debit cards over two years old that I destroyed after they were expired or lost.
05/08/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	SC 29212	Web
After signing up for a Revolut account and exchanging money to dollars they will not let me transfer the money to my XXXX XXXX account. This company scam discloser tactics should be prosecuted, as soon as you transfer the money they change the terms of the disclosures. Stay away
08/05/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CT 06902	Web
My account has been frozen. I was requested some documents which I promptly provided, but I keep getting requests for more documents which I have been providing since my funds are stuck in the account. I still do not have access to my funds.
06/01/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 76133	Web
I filed Disputes for items.not received with revolut bank and they refused to honor the dispute. Instead they closed my account and sent me emails saying they could not dispute as the account is closed.
11/12/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MD 21217	Web	Servicemember
My deposit has been pending since XX/XX/XXXX and its XX/XX/XXXX now. I have been in contact with XXXX but they just say its going through an additional check and it has been escalated.
10/19/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Other service problem	TX XXXXX	Web
Company sends out marketing emails and other communication without an ability to unsubscribe. I have tried to unsubscribe and can not. remove XXXX XXXX
05/03/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NY 10012	Web
Opened an account with Revolut App and transferred money to it. A day later Revolut blocked my account access and I can't access my money
11/28/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	NJ 088XX	Web
My funds have been frozen for over a month and support is not helping.
01/24/2024	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	NY 10280	Web

01/22/2024	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NY 12208	Referral

01/16/2024	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	VA 201XX	Web

01/09/2024	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	NM 87122	Web

01/05/2024	Yes	Money transfer, virtual currency, or money service International money transfer	Wrong amount charged or received	XXXXX	Web

01/03/2024	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	TX 773XX	Web

12/30/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	NY 117XX	Web

11/16/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92532	Web

11/12/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	WA 98201	Web

11/07/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NC 27502	Web

11/06/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NY 11236	Web

09/28/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	OK 74873	Web

09/01/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	CA 90029	Web

09/01/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	CA 91911	Web	Older American

08/20/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	FL 33407	Web

08/15/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NV 89030	Web

05/20/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 77371	Web

05/15/2023	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	TN 38135	Web

04/02/2023	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	WA 98102	Web

03/28/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	CA 95616	Web

03/01/2023	Yes	Money transfer, virtual currency, or money service Virtual currency	Other transaction problem	XXXXX	Web

02/04/2023	No	Money transfer, virtual currency, or money service International money transfer	Wrong amount charged or received	OH 45206	Web

01/29/2023	No	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	XXXXX	Web

12/15/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	NY 10017	Web

12/06/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem adding money	OH 45371	Web

10/21/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	UT 84401	Web

10/19/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	CA 94086	Web

08/01/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	IN 46403	Phone

06/15/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Confusing or missing disclosures	CA 92028	Web

05/16/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 95315	Web

05/13/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 90620	Web

03/11/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	CA 90210	Web

12/23/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	RI 02920	Web

12/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CA 95961	Web	Older American

09/20/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	XXXXX	Web

09/17/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IL 60607	Web

08/10/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	TX 77056	Web

07/25/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MI 48917	Web

05/17/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 94025	Web

05/16/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 94710	Web

04/24/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	XXXXX	Web

04/06/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 94707	Web

03/19/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 02138	Referral

03/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IL 60618	Web

02/27/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble getting information about the card	FL 34951	Web

02/13/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NV 89011	Web

01/28/2021	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	GA 30127	Web

01/18/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem using the card to withdraw money from an ATM	KS 66109	Web

09/28/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CT 06902	Web

07/12/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA XXXXX	Web

06/24/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92627	Web

06/24/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92627	Web