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Bank Mobile Vibe

Bank Mobile Vibe review: Cannot access my account or money 1

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Author of the review
12:38 pm EDT
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Bank Mobile was a bank I used strictly for school funds that were dispersed from grants. I never touched the money, except once, for gas. Other than that. The money sat in the account.

When I had something in which the money was going to be used for, I requested a transfer of funds from my account at bank mobile to my other bank, with intentions to use it there. The day after I made the attempt to transfer it, the 14th of Aug., apparently, unbeknownst to me [until today - the 19th of August ONLY because I've pursed the matter to know what's happening], bank mobile refused to transfer the funds and put a "security" hold on my account, my card, and any existing information that connected me to the account at bank mobile ~ despite the previous VERIFICATION deposits I made to connect the banks.

I have ZERO access to my bank account, usage of the card, or any access to the $1500+ monies I have in that bank mobile account. "Customer Care Agents" say they "cannot" give me ANY information as to WHY this has happened; except calling it an "investigation". They barely speak English, the accent is so heavy I cannot understand everything they say - which is no issue in and of itself; except I don't get all of the information they say to me due to the language barrier...leaving me in the dark about my situation. However, I did understand them telling me that the bank sent me a (supposed) email regarding the alert on the 14th ~ an email I literally NEVER got, amongst their other emails unrelated to the issue I have received.

Regardless. The bank refused to tell me why I'm being withheld from my own money and account, and I have been told that their "investigation" could take an INDEFINITE period of time for them to conclude - while never speaking to me on the issue. But they "will send me an email to give me their "conclusion" of this faceless and contactless investigation...a division that has ZERO contact or face and has ZERO opportunity to speak with anyone there.

I am seeking to file complaints with various who monitor the ethic conduct of banks.

Never again will I use THIS bank, nor will I ever EVER use a digital bank ever again, especially a NON U.S. bank. It is much harder to hold accountable as they have a circus of "customer service" people who are no help at all and simply read scripts, endless "locations" that aren't used for their business, and contactless employees to manage at the top. Customer Service just reads scripts and in all their responses, so much of their repetitive "responses" to "reassure you that they understand" bs and no actual conversation happening, gets customers no where.

I honestly don't expect to get my money back with the type of shady conduct this bank acts on. And even if I do, I expect that the next time I schedule another transfer or use the ATM, it'll go on another security alert.

The fact that they withhold customers' money from them to "investigate" without ANY communication with the account holder to even see what's their activity or THEIR authorized activity...is highly suspicious and over-stepping their boundaries as they feel quite comfortable to do whatever with other people's money; but of-course it's all for the customer's "security".

Desired outcome: Access to my money and account

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Football John
Kennesaw, US
Sep 04, 2023 8:02 pm EDT

Were you able to get money back?

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Author of the review
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Felicia Beaux
, US
Sep 04, 2023 9:08 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

If you need help with the same or similar issue, contact: Consumer Financial Protection Bureau (CFPB). File a complaint on the bank. They oversea ethical conduct with this particular bank.