E*Trade Financial review: Banking

Open your email-new message. To: consumeraffairs@occ.treas.gov Subject: E TRADE Bank Account Frozen – $76,212.75 Withheld, Regulation E Violation Body: This is Todd Weiss. Account ends in 4472. E TRADE took my cleared insurance check for $76,212.75 on September 30th. They’ve verified it four times, canceled my wire, closed my account, and won’t release it unless I send claim docs. I’ve done it. Still nothing. I’m about to be homeless. : E TRADE is refusing to release my $76,212.75 cleared check until they get my insurance claim documents. They have verified 4 times with Donnelly Insurance that. Based on publicly available .
$76,212.75 hold, Regulation E violations, misrepresentations, duress in submitting docs, and hardship. It’s concise (under 2,000 characters), factual, and escalates the urgency without threats. Copy-paste it into your email client, attach your documents (e.g., Donnelly receipt, emails), and send from your personal email. CC: compliance@etrade.com and consumeraffairs@occ.treas.gov for regulatory visibility.

). Since September 30, 2025, ETRADE has unlawfully withheld $76,212.75 from a cleared Donnelly Insurance settlement check for a home robbery, despite four verifications with Donnelly confirming validity. This violates Regulation E (12 CFR Part 1005), which requires timely fund availability: $250. Day 1, $6,000 Day 2, full amount by Day 4. I have received nothing.
Key Timeline (Supported by E*TRADE Emails):
• September 30, 2025: Deposited check before 4:00 p.m. PDT cutoff; Donnelly receipt confirms clearance into E*TRADE’s account (September 29).
• October 1, 9:30 a.m.: E*TRADE email confirms clearance and “funds available next business day.” Unnamed representative accused fraud twice, falsely claimed a three-way call, then contacted my adjuster without consent using the claim ID—restricting my account same day.
• October 2: Hold extended to four days (imposed 8:45 a.m.); wire transfer (ET-4472) confirmed at 2:15 p.m., then canceled without notice.
• October 3–4: Account closed without appeal, despite no holds.
E*TRADE now demands excessive post-clearance verification (driver’s license, selfie, Donnelly claim packet)—which I submitted under duress via certified mail today. These demands are unethical and illegal, as the check cleared days ago with no justification for holds or closure. Your representatives misrepresented processes (e.g., fake three-way calls) and weaponized procedures, causing me imminent homelessness: I face hotel eviction today, no gas, no phone service, and no means to rebuild post-robbery.
As Chief Compliance Officer, I request your immediate intervention:
1. Release the full $76,212.75 via wire to my designated account (details to compliance@etrade.com).
2. Confirm transfer by 5:00 p.m. ET today.
3. Investigate these violations, including unauthorized adjuster contact and bad-faith practices.
I have filed with the OCC (your primary regulator), FDIC (redirected), CFPB, and Michigan DIFS, providing all emails/timestamps as evidence. Attachments include: clearance email, wire receipt, Donnelly receipt/claim packet, and ID submission proof. Failure to resolve will necessitate legal action for fraud, breach, and damages from this hardship.
Please respond directly to confirm receipt and action. I am available at [protected]@gmail.com
Sincerely,
Todd Weiss