N26 Acct. Frozen NO Notice NO Explanation
Today I went to purchase a $23 car wash and my card was decline. The alert on my phone said “card locked”. I go in the app trying to figure this out because I didn’t lock my card, and I simply can’t even see my card as an option. I call customer service who tells me that my account is frozen for technical review! I received no notice, no call, no email NOTHING!!! Over $7,000 in my account that I can’t use. Customer service is worthless, they refused to tell me why, informed me there was nobody I could talk to, no number to call. I could only wait for a random email to come at an unknown time from their “Internal Review Team”. When I asked the rep what his name was, he hung up on me. 

I am moving to Germany this year and thought this was a great choice to start transferring funds and direct deposits. So I opened this account beginning of April. BIG MISTAKE! I filed a complaint tonight with the FDIC & contacted an attorney. This caused significant distress as my husband lost his job due to COVID and I’ve changed my direct deposits here for my salary. There isn’t another account to deposit funds. My bills aren’t going to clear and my checks (according to the second rep named Vincent) will be returned to my employer. This is simply unacceptable. Now I have to reopen my old account with my American bank. And change everything over AGAIN. 

Thank God for my lawyer, first thing Monday morning, he’s taking action against this bank. As a consumer we should be given notice and cause for this type of behavior on our accounts. They should be banned from conducting business in the US. I’m writing my state representative to let them know about this. Avoid this bank at all cost. Find a reputable bank with lawful policies. I just want my money back, close this account and never look back.