Axos Financial, Inc.

Tried to do a wire transfer on XX/XX/year> to my own account at XXXX and account was put under review and my checking and savings account suspended. I have called, chatted online and i am not not getting any response. I was informed the wire was cancelled but was never notified of that. I found out when I called but still have heard from the risk department. All I am getting is the run around and this is affecting me financially as I can't pay bills and now will have late fees. I need this fixed immediately.

Subject : Updated Complaint Continued Failure to Provide Traceable Documentation and Access to Funds Financial Institution : Axos XXXX Account Holder : XXXX XXXX Amount at Issue : {$35000.00} Account Restriction Date : XX/XX/year> Date Funds Allegedly Returned : XX/XX/year> Network Settlement Date Provided by Bank : XX/XX/year> XXXX XXXX Number : XXXX I am submitting this updated complaint regarding Axos XXXX handling of {$35000.00} in funds removed from my account following an account restriction on XX/XX/year>. On XX/XX/year>, Axos XXXX restricted my account after I attempted to close my relationship and transfer my funds to another financial institution. The bank stated that identity verification was required. They sent multiple verification links and QR codes, all of which were broken and did not function. I contacted the bank repeatedly to resolve the issue.…

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I am a business customer of Axos Bank. I am attempting to deposit a legitimate check from a health insurance company XXXX with whom I have an established relationship and a history of successful deposits into this same account. The amount of the check is {$1300.00} and the date of the attempted deposit is XX/XX/XXXX. I've tried multiple times throughout the day. Axos Banks mobile deposit system is rejecting the check with the message XXXX XXXX XXXX XXXX Return Probability. Customer support has been unable to explain the reason for the rejection or provide a workable solution. I've waited minutes only to be connected with someone who eventually re-routes my call because I have a business checking account ( even though I selected that I have a business account on their customer service number 's complaint routing system ). This is interfering with my ability to access funds and conduct normal business operations.…

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Axos Bank is in violation of Regulation E. They have split a {$2500.00} fraud event into XXXX separate 'disputes, ' leaving my account with a negative balance. They refused to escalate my call to a supervisor and have not provided provisional credit for this extreme hardship. I have an official FTC Affidavit ( Report # XXXX ) and demand immediate restoration of my funds.

I wish I had read the reviews for this bank before opening an account. Whats happening to me has happened to dozens of people online where the bank mysteriously holds your funds or sends you through a wild goose chase to withdraw your money. Makes me think the bank may be insolvent. I have called dozens of times, requesting to speak to a XXXX. Never received a callback. They told me they opened a case and I would hear from someone in XXXX business days and now its over a week that they have held on to $ XXXX without releasing it to me original bank. I followed their instructions to the T, none of their verification links have actually worked, they told me to open a new account to be able to transfer the money out. That turned out to be a lie and now they are using the fact that I opened a new account to transfer the money out that this was deemed suspicious even though these were the instructions their associates told me to go through.…

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To the Consumer Financial Protection Bureau, I am submitting a complaint regarding Axos Banks disclosure of eligibility requirements for the Axos ONE promotional savings Annual Percentage Yield ( APY ). Axos advertises a promotional savings APY of up to 4.21 % when customers meet certain requirements during a monthly qualification period, including receiving at least {$1500.00} in qualifying direct deposits. The promotional terms define a direct deposit as : An electronic ACH deposit of your paycheck or government benefits. The disclosure also lists certain excluded deposit types such as real-time payments, online banking transfers, ATM deposits, mobile check deposits, and person-to-person payments. However, after my previous complaint was filed, Axos Bank informed me in writing that the bank internally requires ACH deposits to be coded under the SEC code PPD ( Prearranged Payment and Deposit ) in order to qualify as a direct deposit for the promotional APY.…

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XXXX XXXX XXXX : UFB Direct/Axos Bank discriminates against consumers with disabilities. On XX/XX/year>, I had submitted a formal request for a reasonable accommodation to UFB Direct under the Americans with Disabilities Act ( ADA ), 42 U.S.C. 12101. My request specifically asked for the bank to provide a level of service for consumers with communication disabilities ( specifically those who have difficulty with standard telephone and TTY systems ) that is equivalent to the service provided to other customers. To date, I have received no response or acknowledgment of this request from the bank. By failing to respond or provide a clear status of this accommodation, the bank is effectively denying me equal access to manage my financial accounts and receive necessary customer support. Under ADA Title III, banks as " public accommodations '' must ensure effective communication with individuals with disabilities.…

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I've been trying to access my funds from Axos bank for the past 3 days. I opened the account last week to try to get a higher interest rate than my current bank and had no idea how many restrictions and hoops would be associated with this account. After not being able to get any answers about when these restrictions would get removed, I requested to close out my account. The service associate let me know there was a {$25000.00} restriction for money money per day ( which I was not told about ), so I would need to move the money out in 2 separate transactions, so I did. I attempt to move the first {$25000.00} as instructed. Then, they sent me a verification link to my email to verify my identity. That link was broken, but since I couldn't verify using the link on time, they cancelled my transaction, which I found out next day.…

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I opened a bank account with Axos Bank and began using it for normal banking activity. Over the past XXXX months I deposited approximately {$6000.00} in legitimate settlement-related funds into the account and used the account for regular transactions. Recently, I received a notice from Axos Bank stating that my Electronic Fund Transfer ( EFT ) services were terminated immediately and that my debit/ATM card was no longer valid. The notice stated that the decision was final and that the bank would not provide any explanation for the account closure. This situation is particularly concerning because this is the second time my account has been closed by Axos Bank. The first time my account was closed, the bank later acknowledged that the closure was made in error. Because of that experience, I trusted that my account would be properly reviewed going forward. The sudden termination of my account services without explanation has created financial disruption for me.…

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On XXXX XXXX, I initiated an online application to open an account with Axos Bank. As part of the identityverification process, I submitted all requested documentation, including biometric data and sensitive personally identifiable information ( PII ). On XXXX XXXX, I provided the additional documents Axos requested for vetting. On XXXX XXXX, I received an email from Axos stating that I could not be vetted, but the message did not include any explanation, reason code, or next steps. When I contacted Axos customer service line for clarification, the representatives were unable to provide any information regarding why the vetting failed or what specific issue prevented the account from being opened. During that call, I explained that Axos intake system had successfully captured and processed my documentation, including biometric identifiers and sensitive PII, without any indication of an error.…

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Company Name : Axos Bank ( UFB Direct ) Product : Checking or Savings Account Description of Incident I am filing this complaint against UFB Direct ( a division of Axos Bank ) regarding their failure to process outgoing/incoming ACH transfers XXXX XX/XX/year>, and their subsequent failure to communicate this issue to the affected customer base. On the date mentioned, I initiated/expected an ACH transfer that was not processed according to the standard regulatory timelines. Despite this being a systemic issue affecting multiple customers, UFB Direct : 1. Failed to execute the transaction as scheduled. 2. Failed to provide any notification ( via email, SMS, or secure message ) regarding the delay or technical glitch. 3. Left funds in limbo, causing potential late fees, missed payments, or loss of interest. As of XX/XX/year>, the bank has not provided a formal explanation or a timeline for resolution.…

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I need a statement from XXXX XXXX they were a partner bank of Axos bank they stopped servicing the United States. I have tried to contact Axos bank and XXXX XXXX my previous filed complaint to XXXX XXXX did not address my issue all I need is a statement for my accounts with XXXX from Axos. I have not been able to contact either bank other than this interaction Ive spoken to customer service at both companies and no one can give me any answers I did reach out to the email in question, XXXX I have not received any response since around Thursday. Ive uploaded screenshots of the emails. I just want my XXXX XXXX bank account statements thats all Im asking for.

I am writing to inform you of an urgent financial situation. Earlier today, {$1300.00} was incorrectly removed from my H & R Block Emerald Card account due to a posted XXXX debt charge that I do not owe. H & R Block has confirmed that this charge is invalid, and I have filed a formal dispute under Regulation E with my card issuer. As a result, my account has been emptied, and I am currently unable to make my scheduled payments for [ utility/rent/etc. ]. I am requesting : A temporary credit or extension on my account That no late fees or penalties be applied while this matter is being resolved I expect the funds to be returned promptly through the dispute process and will notify you as soon as my account is restored. I greatly appreciate your understanding and assistance during this financial hardship. Thank you for your attention to this matter. Please confirm receipt of this email and the temporary credit.

On or about XXXX XX/XX/year>, I contacted Axos Bank to close an inactive savings account. On XXXX XX/XX/year>, I was informed that the account was closed and a check would be sent to my home in the amount of {$370.00}. I received the check on or about XXXX XX/XX/year>. I deposited the check to my personal savings account at the XXXX XXXX in XXXX XXXX Several days later I was informed that the check had been returned, marked Not Authorized. I spoke in person to a representative of XXXX XXXX, who gave me a XXXX XXXX of the returned check. She recommended that I not try to redeposit the check, as I might be charged a fee if it was returned again. I contacted XXXX XXXX by phone, and was told that I should file a Declaration of loss. I hesitated doing so, as it stated that the check was lost. This was not true, as I had the XXXX XXXX in my possession. I messaged Axos Bank, stating this, and attached a scan to that message.…

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I have been through back and forth dilemmas with this institution all day long regarding {$380.00} that I just recieved via payroll check and am trying to use it to feed my family and I. The institution placed a strange hold on my account refusing me access to any of my money. The staff were very nonchelant about lying to me and pushing my buttons acting like im some kind of fool. I feel completely discriminated against as I have a condition. They hung up on me several times, placed me on long holds. The incident took place on XX/XX/year>

I am filing this complaint due to XXXX Banks continued refusal to resolve a valid XXXX chargeback dispute initiated on XX/XX/year>, involving {$710.00}. The merchant ( XXXX Hospitality/OYO/Motel XXXX XXXX XXXX XXXX writing that the reservation was cancelled within policy, that no stay or services occurred, that a refund is owed, and that I was instructed to file a dispute with my bank because they could not process a refund directly to the original payment method. XXXX initiated a chargeback on XX/XX/year>. They have still refused to acknowledge this date when asked directly about it. I only know the date of initiation because it was written in a prior response to a regulatory complaint. Under XXXX rules, merchants generally have XXXX days to submit representment. XXXX days from XX/XX/XXXX was XX/XX/year>.…

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UFB Direct uses XXXX to show balances from other bank accounts on their websites. The issue that started sometime last year with XXXXXXXX XXXX information. I have CDs with them and the balance is transferred to UFB direct, but the balances are always the next month 's balance not the current blance. This doesn't happen with other banks CD blances. Sometime last year, this started to happen before that it worked correctly. I've called customer service a few times to try to discuss this issue and they don't seem to understand the issue at all. XXXX XXXX does not use XXXX software so when I talk with them, they don't really know what i'm talking about.

I signed up to get a bank for my check from work and I didnt have a id it was working the first day I got my check it was all good and I finally received my debit card and they refused to let me get my funds saying I needed a government issued id. Mind you I never owned a id but I gave them forms from the patriot act they still refuse to release and unfreeze my funds its been XXXX XXXX

This complaint concerns Axos Banks prolonged and inconsistent handling of a valid debit card dispute involving a charge that should not have posted, resulting in repeated procedural resets, lack of resolution, and ongoing financial hardship despite full documentation and cooperation. Timeline and Background XX/XX/XXXX Reservation made with XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX at XXXXXXXX XXXX Reservation cancelled within the merchants stated cancellation window ; no stay or services occurred. Despite the timely cancellation, the transaction still posted. Because the reservation was cancelled within the permitted window and no services were provided, the debit should not have finalized and should be reversed. The merchant later confirmed the cancellation and explicitly instructed me to pursue the refund through my bank, stating they were unable to return funds to the original payment method due to system limitations. Axos has written documentation of this.…

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CFPB Complaint Draft Financial Institution : Axos Bank Product : Checking Account / Debit Card Issue Type : Unauthorized transactions, account manipulation, failure to safeguard funds, improper handling of Social Security deposits Complaint Narrative I am submitting this complaint to report serious concerns regarding apparent account intrusion, transaction manipulation, and mishandling of Social Security deposits associated with my Axos Bank account. Approximately three weeks after account opening, material changes occurred that strongly indicate unauthorized interference with how transactions are displayed and processed within my account dashboard.…

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On XXXX I went to the atm to take money out but the machine was not giving money, I called XXXX and asked them they confirmed an issue with processing money over {$500.00} and to contact my bank I have contacted Axos and disputed but I can never get a direct answer on when will I get my provisional credit I have been waiting for a while and I need the money the machine did not dispense the money no receipt just froze and went blank

I requested my 2025 statements from Axos bank because they closed my account. Since they closed my account, I can't access my statements online. I asked if they could email me the statements or mail them. They send they can't email me them, and can only mail me them after I mail them a {$10.00} check. I find this unreasonable and want access to my data without needing to wait for a check to be mailed to them, processing, and statements to be mailed back to me. I also don't want the risk of losing the check in the mail, or losing the statements in the mail, and having to restart the process again.

Axos Bank issued a FINAL Regulation E determination on XX/XX/year> stating that my fraud claim was upheld and that {$300.00} was permanently credited to my account, with full use of the funds. Despite this final decision, Axos : Removed {$300.00} from my NEW account Applied it as a charge-off to a CLOSED account tied to the fraud Reported the same amount to ChexSystems Demanded payment for funds already determined to be unauthorized This action contradicts Axoss own final Reg E determination and constitutes an unauthorized electronic fund transfer, wrongful offset, and incorrect consumer reporting. I am requesting : 1 ) Immediate restoration of {$300.00} 2 ) Reversal of the charge-off 3 ) Deletion ( not paid ) of all ChexSystems reporting 4 ) Written confirmation that the closed account has a {$0.00} balance I have attached Axoss final Reg E letter and proof of the unauthorized debit.

I reported an unauthorized debit card transaction totaling {$4900.00} to Axos Bank on XX/XX/year>. Axos confirmed receipt of my dispute, and the first business day of the investigation was XX/XX/year>. As of today, this is the XXXX business day of the investigation. Axos Bank has repeatedly confirmed that : The dispute is still in review There has been no merchant response No additional documentation has been requested from me No written notice of denial has been provided Despite this, Axos Bank has not issued provisional credit, and customer service has stated that provisional credit is not guaranteed, even though the investigation is still ongoing. Under Regulation E ( 12 CFR 1005.11 ( c ) ( 2 ) ), if a financial institution has not completed its investigation within 10 business days, it is required to provisionally credit the consumers account by the XXXX business day ( or within XXXX business days for certain new accounts ), provided no written denial has been issued.…

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On XX/XX/2025, I canceled a hotel reservation with XXXXXXXX XXXX XXXX ( XXXX XXXX ) for reservation made on XX/XX/2025 well within policy. The merchant confirmed that the reservation was eligible for a refund but advised that, due to their payment processing policies, I was required to file a dispute with my bank in order for the refund to be issued back to my original debit card. I followed the merchants instructions and submitted a dispute through Axos Bank for the amount of {$710.00}. Axos Bank accepted the dispute and issued a confirmation number, advising that the claim was under review on XX/XX/2025. The transaction itself was authorized ; however, Axos Bank has failed to provide timely provisional credit or a clear written explanation regarding the status of the dispute. As of today, the funds remain unavailable to me.…

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I opened and maintained an Axos ONE consumer checking account based on Axos Banks advertised promotional APY, which requires qualifying direct deposits. I consistently maintained a high daily balance ( approximately {$120000.00} combined across Axos accounts ) and received recurring payroll deposits from XXXX, representing personal labor compensation deposited into a consumer account. During the applicable statement cycle ( XX/XX/XXXX ), my account received recurring electronic payroll deposits that met the advertised requirements in amount, frequency, and source ( personal payroll/gig income ). Axos Bank later denied the promotional APY solely because these payroll deposits were coded as ACH CCD rather than PPD. This determination was made after the deposits were received.…

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I discovered on XX/XX/XXXX that two checks that I had put stop payments on were cashed. I did not know that stop payments at this bank only last for 6 months. The company who cashed the checks said they never received them. I reissued checks to the company which they cashed. The stop payment checks were check # XXXX for {$200.00} written on XX/XX/XXXX through bill pay and check XXXX for {$120.00} written on XX/XX/XXXX through bill pay. I told the company that they were paid twice. I wanted to send them verification from the bank. The bank says they have no records of the stop payments. I sent them a screen shot showing the stop payment fee removed from my statement. They came back and said it was for another check. That check they state it was for was cashed the same month it was written. I didn't put a stop payment on that check. I recently put a stop payment on the last check I sent to this company. This request was submitted after all of this started.…

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I have a fraudulent withdrawal on my account from XX/XX/XXXX for XXXX : MOBILE PMT XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I reported this as fraudulent when I saw it on XX/XX/XXXX. I talked to customer service on XX/XX/XXXX, and was told that an investigation had started. On XXXX XXXX, I was told my claim was denied because it was not filed within 24 hours of the fraud occurring. I then called XXXX XXXX who told me that they needed a letter on Axos letterhead explaining the error - that I reported a fraudulent debit from XXXX XXXX for a payment for account number of XXXX XXXX XXXX for XXXX. Axos told me today that I should contact the merchant, and did not respond to my request for the letter. I have frozen the account, and they have assured me that money can not move in or out.

This complaint is against Axos Bank. On XX/XX/year>, I attempted to purchase a pair of shoes for {$85.00} USD from what I thought to be a retailer I have made purchases from in the past ( Allbirds.com ), however, it turned out to be a website mimicking that retailer very convincingly. The fraudulent website was XXXX. Before discovering that this was a false retailer, I had attempted to reach out to them multiple times via their Contact Us section, which indicated my message was sent, though I never received a response or the standard type of email letting me know my message was received. After trying to get in contact with them for over a week, I googled the corporate customer service information for Allbirds, which took me to their real website, where I expressed my concerns to a service rep via Chat, at which point they made me aware that it seemed I had been duped by the other website.…

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To date i have only received one letter from the company. That letter is required to tell me where the car is located. Where my belongings are located. How long I had to pick up my items. A phone number to locate my property. The car has since sold i assume. I have not received a statement detailing sale. Expenses. Or remaining balance. They are unethical. They provide inaccurate information. And have violated my privacy. My credit report states no payment in XXXX. I made a payment on XX/XX/XXXX of XXXX. They also state I did not make a payment in XXXX. I made XXXX XX/XX/XXXX XXXX. Due to their rigged system, they took out several payments at once in XXXX day. It overdrew my account. But they blame me. I made a deal to make payments yet they still took the car. My drivers license and bank card were in the car. Now someone has my information due to their negligence of telling me where my property is located. They have my XXXX tags and now XXXX has been sending letters.…

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