405
Leave a Reply

avatar
 

  Subscribe  
newest oldest most voted
Notify of
767
767

As a DP for closing out, they would not close by sm but requested that I send a letter that did not need to be notarized. I first zeroed out the balance then mailed the letter. When I tried to login today, I was no longer able to. Said my login ID is currently disabled

767
767

Anyone have experience closing this account? SM or phone? The only DP is from 2016 and involved either going into a branch or faxing a form then mailing a notarized letter.

Betelgeuse ㊙️

When I asked by sm last year they wanted faxed/mailed documents but I can’t remember if they needed them notarized. I think the easiest way is to zero out the account(s). Then they will close them automatically after a month or so.

767
767

Thanks will do that.

payyoutuesday
payyoutuesday

Working on that right now. They would not close it by secure message but said I could do it by phone. I called and made the request. Supposedly once that request makes its way through their system, I will receive a DocuSign to close the accounts.

dave69
dave69

discover it CA limit set to $0, tried funding $1000, didn’t go through.

Ryan
Ryan

CFPB worked wonders. Submitted complaint 12/15 and company responded 1/6. Essentially saying that I needed a specific code at account sign up and I did not qualify for bonus, but the company decided to grant the $300 bonus anyway.

lc
lc

FYI: I just realized that my checking account has been hit with numerous international fraud transactions, just reported to the bank. Check your debit associated checking account!

Dylan
Dylan

FWIW was able to downgrade to free checking via secure message after the bonus posted. Based on the T&C and account termination penalties, I’m going to leave free checking and savings accounts open with $1 each until one year anniversary.

Also noticed that there’s a $2.99 external transfer fee when originating the transfer from FCB. Going to try to avoid the fee by pulling pull from an external account.

slowbrake
slowbrake

account and CFPB timeline:
Open: 3/25/20
Met reqs: 4/1/20 and 5/14/20 (completed both – despite either/or)
Bonus should have been paid: 9/1
Started SM/Calling: 10/1 – told ‘we’re looking into it’
Filed CFPB: 11/17
Responded to CFPB: 12/1

Bonus placed into account on 11/19 —> Odd. CFPB sent me a little “the company is still working on it” in late November, I checked and no bonus was there. I get the response today and poof – the money is there dated for 2 days after I filed CFPB.

Their letter was stern. Very clearly stating I didn’t qualify and deserved no bonus. The magnanimous bank, in all it’s gracious wisdom, decided to reconsider and award the bonus.

Peter
Peter

Finally I am able to share a DP of my timeline:

3/26 opened account
4/21 met dc requirements

9/13 secure messaged the bank to ask for my $300’s whereabouts
9/15 secure message response saying my request was forwarded to another department
9/17 survey #1 wanting to know how satisfied I was with the customer service
9/19 survey #2 wanting to know how satisfied I was with the customer service

9/20 filed CFPB complaint
10/2 received bank’s response to CFPB complaint
10/5 $300 showed up in my account, with a 10/2 date

Note that the original secure message went nowhere. The “other department” was a pure black hole. Also note that the bank’s CFPB response claimed that I wasn’t eligible for the bonus but they gave it to me for pity.

R
R

My DP:

3/22 applied online
4/17 10 debit card spend completed
9/2 sent a SM inquiring the $500 bonus
9/4 got a reply saying that they are researching this matter
9/25 $500 bonus posted

payyoutuesday
payyoutuesday

My DP is very similar, except my bonus was $300. No CFPB.

Dylan
Dylan

Another similar DP:
03/23 account opened
04/27 10 debit card spend via Amazon GC load
09/01 SM inquiry
09/03 reply “will email back in 2-3 business days”
09/11 and 09/24 re-pinged inquiry by SM
09/24 $500 bonus posted

Diomaiuti
Diomaiuti

I should probably thank all of you who filed CFPB complaints against this bank for softening ’em up. After only 3-4 politely-worded SMs requesting information, I got the bonus yesterday! I guess I still have to keep the account open for a couple more months, but that’s fine.

Erin
Erin

Early Account Termination Fee

There is an early account termination fee of $25 if the account is closed within 180 days. In addition if the account is closed within a year the bonus is forfeit.

I filed several days ago. Waiting. SM didn’t help.

Diomaiuti
Diomaiuti

I had a rough draft ready to go, which I can now discard with a sigh of relief…