Foris DAX, Inc.

I have been a customer for a while now of crypto.com. I use the visa debit card in blue, I also have my weekly pay direct deposited for over a year now. I have had various issues with this company. I will detail below and attach proof of each. XXXX to credit refunds to card. Recently ; XXXX $ refund from XXXX in XXXX that was sent to the card in the last 6 months when i booked it, made a mistake and canceled the same day. Funds were taken out but never returned and confirmed by merchant refunded. XXXX charges of XXXX each refunded by experian for a membership i canceled, confirmed refunded and never were credited back to my balance of the card. this happened in XXXX XXXX purchasing gift cards on there with my funds. i purchased multiple XXXX and XXXX eats cards that some balance used and some were never used and canceled in the app. i have a few XXXX dollars they never returned to my usd balance as they note when usued or remaining balance.…

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I am a customer of Crypto.com and I am filing a complaint regarding their handling of the XXXX ( XXXX XXXX ) token delisting and forced conversion of my assets. On XX/XX/year>, Crypto.com delisted the XXXX token without providing me any prior notice, despite their own Token Admission & Removal Rules requiring advance notification so customers can withdraw or manage their holdings. I had invested {$560.00} USD into XXXX XXXX through Crypto.com. After the delisting, I was unable to sell or transfer my tokens, as the platform restricted all XXXX activity. Over several days, I contacted support multiple times. They repeatedly told me to " wait for updates '' and refused to provide the conversion date, pricing method, or rate that would be used. I never received any email notice of the delisting or any planned conversion. On XX/XX/year>, Crypto.com force-converted my XXXX XXXX into only {$30.00} XXXX, valuing each token at about {$0.00} USD.…

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I am attempting to close my Crypto.com account and have a remaining balance of {$3.00} on my XXXX XXXX prepaid card. Crypto.com support was contacted to request that the balance be mailed or transferred to my bank account on file. They declined and stated I must spend the balance myself. The methods suggested by their support team were unworkable, as the card is virtual only and no online merchant offers a purchase option for exactly {$3.00} after taxes and fees. Despite repeated attempts to find a resolution through their support channel, no viable solution was provided. This {$3.00} balance is the sole remaining obstacle to closing my account entirely. I have a prior formal demand letter on file with Crypto.com dated XX/XX/year>, regarding separate but related bad faith conduct, including unexplained account suspension and wrongful withholding of funds. This card balance issue is consistent with that documented pattern of conduct.

I am a customer of Foris DAX , Inc. ( d/b/a Crypto.com ) and have experienced a pattern of bad faith conduct resulting in repeated inability to access my own funds. First, Crypto.com unilaterally suspended my account without explanation, restricting me from executing any transactions other than withdrawals. No cause or disclosure was ever provided for this restriction. Upon my formal inquiry, the restriction was lifted, but only after I escalated the matter. Second, funds held in my Crypto.com XXXX account were locked under a term agreement with an unlock date of XX/XX/year>. I formally demanded the immediate release of these funds on the basis that Crypto.com 's prior unilateral account suspension constitutes a material breach of contract, forfeiting their right to enforce the lock-up terms against me. This demand was submitted via formal legal letter dated XX/XX/year>, which has been attached to this complaint.…

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I am formally reporting a systemic, willful withholding of mandatory financial records and the structural corruption of data by XXXX XXXX, XXXX ( Crypto.com ). Despite an exhaustive XXXX documented support effort ( Chat ID : XXXX ) and formal notice to their Compliance Department and Data Protection XXXX, XXXX XXXX is programmatically blocking my access to the XXXX tax data required for federal compliance via a hard-coded XXXX export limit ( Article XXXX ). Technical Failure and Data Corruption : Forensic analysis reveals that unique transaction identifiers are being rounded to zeros ( XXXX XXXX ) during the export process, destroying the audit trail. Furthermore, the exchange has embedded legal disclaimers directly into the XXXX data rows, rendering the files structurally corrupted and unreadable by industry-standard accounting software ( e.g., XXXX ). Gross Negligence and Privacy Violations : The exchange failed to provide my XXXX XXXX through any secure or standard channel.…

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Complaint Summary : I am filing this complaint regarding multiple new unauthorized transactions on my Crypto.com XXXX XXXX XXXX, reported through the following dispute submissions : 1. XX/XX/XXXX Reference Number : XXXX XXXX reported transactions 2. XX/XX/XXXX Reference Number : XXXX XXXX reported transactions 3. Existing dispute Reference Number : XXXX These disputes concern transactions that were not made by me, were not authorized by me, and from which I did not benefit. Despite timely reporting, Crypto.com / Foris DAX , Inc. has failed to provide adequate updates or detailed investigation status for these disputes. Additionally, on XX/XX/XXXX, Crypto.com provisionally credited my account for prior unauthorized transactions. However, I have been unable to use my virtual card and have received conflicting messages indicating my card privileges would not be reissued, even while open disputes are active.…

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" I am a XXXX XXXX and a XXXX XXXX of XXXX XXXX. I have been a customer of Crypto.com since I lived in XXXX. XXXX years ago, I moved to XXXX XXXX and lost access to my registered phone number. I have attempted to recover my account more than 10 times, providing all required identity verification videos and my official XXXX XXXX identity documents. However, Crypto.com support and even their management have repeatedly denied me access to my funds. Their official justification is that XXXX XXXX is not part of the United States XXXX ' which is factually and legally incorrect. As a XXXX Territory, XXXX XXXX XXXX under US financial jurisdiction, and I am a XXXX citizen. I am being unlawfully denied access to my private assets based on an erroneous and discriminatory interpretation of my residency status. I demand that Crypto.com immediately updates my phone number and restores my account access. ''

b"I am submitting this complaint regarding a crypto financial platform that provides custodial accounts and debit card access.\nI experienced unauthorized transactions on my account, including transfers to gambling merchants. At the time these transactions occurred, my card was frozen. I did not authorize these transactions.\nDespite timely reporting the fraud, the company failed to promptly reissue a replacement card and instead froze my account and restricted access to my funds for an extended period. The company later conditioned access to my funds on my agreement to waive future dispute rights, which I refused.\nAfter I sent a formal demand letter citing my rights under the Electronic Fund Transfer Act and Regulation E, the company agreed to issue a replacement card.…

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I. Statement of Facts On XX/XX/year>, I filed a dispute regarding unauthorized electronic fund transfers associated with my Crypto.com prepaid debit card. On XX/XX/year>, Foris DAX, Inc. issued written notice that my account had been provisionally credited for disputed amounts. The written notice explicitly stated : These temporary credits are being provided while we investigate your claim You will have full use of these funds while we complete our investigation. Subsequently, my virtual card was restricted. I was informed via chat support that : A routine review had been performed. I would no longer be able to perform card purchases or apply for a new card. The restriction applied to card functionality. I must wait until the investigation is completed. The matter had been escalated internally. No written explanation was provided specifying the legal or contractual basis for the restriction. As a result of this restriction : I can not use my card for purchases.…

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I am filing this complaint against XXXX XXXX XXXX ( Crypto.com ) for bad-faith obstruction of a theft investigation and failure to fulfill their Worldwide Account XXXX XXXX XXXX XXXX ) obligations. The end of XX/XX/year>- XXXX, an unauthorized withdrawal of [ XXXX XXXX ] was sent to address XXXX. Despite a XXXX chain of communication and my submission of a Federal FTC Identity Theft Report, the company has refused to conduct a forensic audit of the Device ID/Hardware XXXX associated with the transaction. They continue to reject my identity verification videoswhich include my ID, verbal statement, and current datewithout specific technical feedback. The company is using an automated 'verification loop ' to avoid investigating a documented security breach. I am seeking a full restoration of my funds.

On XX/XX/year>, my Crypto.com account was victims of an international account takeover. My account activity logs ( attached ) show successful unauthorized logins from XXXX ( XXXX XXXX ) at XXXX XXXX and XXXX ( XXXX XXXX ) at XXXXXXXX XXXX. The intruder XXXX my XXXX and made XXXX unauthorized gift card purchases totaling {$4100.00}. I notified Crypto.com support at XXXX XXXX while the theft was in progress. Their own security logs show that XXXX XXXX ( XXXX ) was manually XXXX at XXXXXXXX XXXX to lock out the intruder. Despite this clear evidence of a security breach and my full compliance with their XXXX XXXX XXXX XXXX XXXX XXXX, Crypto.com has repeatedly sent me generic denials. They falsely claim " no credentials were changed, '' which is directly contradicted by the " XXXX XXXX '' log entry in their own app. I have filed Police Report # XXXX and FBI XXXX report XXXX. I am seeking a full reimbursement as promised under their security guarantee.

I've been trying to log on to my account for about XXXX months now and haven't had any assistance that didn't lie to my face about recovering my access. I have everything written down and nothing has changed with email addresses, passwords, phone numbers, or my kyc information. If I don't see actual help in this matter I will have no choice but to escalate this to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the Consumer Financial Protection Bureau. This is been beyond frustrating having supposed Representatives telling me they were going to fix things and then obviously lying and not following up with anything. This needs to start moving in the right direction immediately.

CFPB Complaint Narrative Denial of Access to Provisional Credit During Card Reissuance Company : Foris , Inc. ( Program Manager for Crypto.com Prepaid XXXX Card ) Product : Prepaid Card Complaint Narrative I am filing this complaint against Foris , Inc. regarding improper restriction of access to provisionally credited funds during a card reissuance following an unauthorized transaction dispute. After significant delay, Foris , Inc. finally opened my dispute and issued a provisional credit for unauthorized transactions on my Crypto.com Prepaid XXXX Card. The funds are currently reflected in my card balance. However, Foris , Inc. has now closed my existing card and initiated a reissuance, and during this process they are preventing me from accessing or using my provisionally credited funds in any way.…

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I am requesting regulatory review regarding transactions processed through Crypto.com that were associated with a sophisticated fraud scheme. Between approximately XX/XX/year> - XX/XX/year>, I was subjected to material misrepresentations by criminal actors that fraudulently induced me to initiate multiple cryptocurrency purchases. Most of these transactions were funded directly from my debit card, while one transaction was funded through XXXX. Transactions in Dispute Funding transactions ( all via XXXX debit card ) : XX/XX/year> {$920.00} ( XXXX Transaction with Crypto.com ) XX/XX/year> {$4700.00} XX/XX/year> {$46.00} XX/XX/year> {$3900.00} XX/XX/year> {$9.00} XX/XX/year> {$3300.00} Total : {$13000.00} XXXX transfers executed from Crypto.com under fraudulent inducement totaled {$12000.00}, sent to : Scammer Wallet Address : XXXX TXIDs : XXXX XXXX XXXX XXXX After identifying indicators of fraud, I acted promptly to report the activity and seek assistance.…

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I am reporting ~ {$2000.00} in unauthorized fraudulent charges from merchants in XXXX ( shell companies 'Razelnowfashion ' and 'Dizmoqul ' ). I was physically located in XXXX at the time, making these transactions physically impossible. I researched these companies and found through XXXX lookup that they are connected, and their websites don't even have a checkout page. XXXX of them is a " services '' company for computer repair ... in XXXX. Again, without a payment or cart feature on their page. Technical Failures : The merchants did not utilize XXXX Secure ( XXXX XXXX ) or Address Verification ( AVS ). Regulation XXXX Violations : The bank ( XXXX XXXX ) is failing to follow Regulation XXXX error resolution procedures. They have ignored my technical evidence and attempted to coerce me into waiving my future legal dispute rights as a condition for unblocking my card. I am requesting immediate provisional credit while the investigation continues

Company : Crypto.com Legal Entity : Foris DAX , Inc . Amount Affected : Approximately {$12000.00} USD Issue : Indefinite account restriction / inability to withdraw funds/ lack of meaningful customer access Complaint Statement : I am submitting this formal complaint regarding Crypto.coms continued and indefinite restriction of my account, which has prevented me from withdrawing approximately {$12000.00} USD for several years. Crypto.com has repeatedly stated that my account will remain restricted unless I provide bank statements for an account to which I do not have access and do not recognize, or unless a third-party sender verifies transactions. I have clearly explained to Crypto.com that I do not have access to the requested bank account and have no ability to contact or obtain verification from the alleged sender, making these requirements impossible to satisfy.…

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On XX/XX/year>, a dispute on my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was resolved in my favor, and permanent credits were issued. Despite this, the funds have not been made available in my XXXX balance. Multiple support agents provided conflicting and misleading information, including : Stating the dispute was not found in my favor, even though confirmation emails show otherwise. Claiming the matter is still under investigation or can not be expedited, which is legally irrelevant since the dispute was resolved permanently. Refusing to provide the exact total owed, compliance/escalation reference number, or written confirmation of transfer. I repeatedly requested the immediate release of funds, including exact totals, compliance references, and confirmation of transfer.…

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On XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX ( Crypto.coms dispute resolution team ) issued final determination letters confirming that multiple unauthorized transaction disputes on my prepaid card were resolved in my favor and that provisional credits were made permanent. The XX/XX/XXXX letter explicitly states : These provisional credits are now permanent and Any applicable fee ( s ) have been reversed. Despite this, my available balance remains {$0.00}, and the funds have not been released. Support agents have provided inconsistent information : some claim the credits were reversed or the dispute was not in my favor, contradicting the written final determination. Crypto.com indicated the funds would be accessible after a new card reissuance, but no timeline for issuance has been provided, and the funds remain inaccessible. I have cooperated fully, including providing any required verification or documentation.

I am filing a complaint against Crypto.com ( XXXX XXXX, XXXX ) regarding a disputed negative balance of - {$64.00} USD that I believe stems from unclear/insufficient fee disclosure on a cryptocurrency purchase I did not ultimately intend to complete. On or around XXXX, I attempted to purchase approximately {$500.00} of cryptocurrency in the Crypto.com app using funds from my bank. During this process, the app did not clearly present or itemize the total fees/spread that would be charged before I confirmed the transaction. After realizing there were unexpected fees or spread costs, I stopped/reversed the {$500.00} funding from my bank because I did not agree to proceed under those fee terms. Despite the fact that the underlying funding transaction did not go through as intended, Crypto.com applied fees and left my XXXX wallet with a negative balance of - {$64.00}.…

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I am filing a complaint regarding unauthorized account activity and financial loss on my Crypto.com account. This incident occurred on my first or second day of using the platform. After making a few simple beginner transactions which include XXXX deposits, my account began executing dozens of rapid back-to-back crypto swaps that I did not authorize.The activity occurred every few seconds, involved unfamiliar tokens, and showed clear signs of automated behavior rather than human use. I was actively receiving notifications while this was happening and contacted Crypto.com Support immediately during the incident. Since then, I have fully cooperated with all requests, including identity verification, security resets, and a voice call with support. My account is secured and was confirmed to be under investigation. My account balance dropped from approximately {$440.00} to approximately {$34.00} due solely to these unauthorized internal trades.…

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I am filing this complaint against Foris Inc., XXXX XXXXXXXX for the XXXX XXXXXXXX XXXX XXXX, for failure to properly investigate unauthorized electronic fund transfers and for improperly conditioning an investigation on the submission of a police report, which is not required by law. I reported multiple unauthorized transactions on my XXXX XXXXXXXX XXXX card. These transactions were not made by me, not authorized by me, and not made by anyone to whom I gave permission. I did not benefit from these transactions in any way. Under the XXXX XXXX XXXX Cardholder Agreement, Sections XXXX and XXXX ( Lost or Stolen Cards/ Unauthorized Transfers ), the agreement clearly states that a transaction is unauthorized if : It was not initiated by the cardholder, The cardholder did not give permission, and The cardholder did not benefit from the transaction. I timely notified XXXX XXXX Foris Inc. of the unauthorized transactions as required.…

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XXXX XXXX i realized i am unable to withdraw funds from my crypto.com account. XXXX is meXXXXthis is the support conversation\XXXX XXXXSpeak to a SpecialistXXXX XXXXProfile image for Support SpecialistXXXXSupport Specialist joined the conversationXXXXHello there, Thank you for contacting the Crypto.com team, your patience is highly appreciatedXXXXSupport Specialist XXXX XXXX not a problem take your timeXXXX XXXXCan you please provide an email addressXXXXSupport Specialist XXXX XXXXAllow it for me to check for a moment.XXXXSupport Specialist XXXXall good take your time, no ruch neesedXXXX XXXXAllow it for me to review the said picture.XXXXSupport Specialist XXXXDid you tried to refresh the siteXXXXSupport Specialist XXXX XXXXtried to do with my phone and XXXX XXXXPlease try the following steps to check if the issue continues after each step:XXXXClose the app and restart itXXXXLog out of the app and log in againXXXXUpdate the app if it is not updatedXXXXRestart your phoneXXXXUpdate to…

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This complaint documents serious, ongoing, and escalating violations by Crypto.com involving unauthorized account access, unauthorized transactions including derivatives trading, unlawful seizure and retention of consumer funds, refusal to conduct or disclose a fraud investigation, denial of access to required account data, obstruction of a regulatory complaint, and continued misconduct during the pendency of CFPB oversight. The facts described herein also raise substantial concerns regarding failure of supervision and enforcement in connection with prior CFPB handling of this matter. Initial Unauthorized Activity and Notice In XX/XX/XXXX, I discovered unauthorized activity on my Crypto.com account. Transactions were executed without my knowledge, authorization, or consent and originated from a device that did not belong to me. I was not logged into my account at the time, did not approve the transactions, and had no knowledge of them until after they occurred.…

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Crypto.com forced a XXXX withdrawal after their app removed my ability to cancel once a fee was disclosed. On XX/XX/year> I attempted to make a small test Bitcoin withdrawal ( XXXX XXXX ). When I was shown a network fee of approximately {$18.00}, I decided not to proceed. However, Crypto.coms app provided no Cancel or Exit option. I closed and reopened the app, but the same locked confirmation screen remained. The transaction did not expire. The only possible action was to submit, which forced the withdrawal and charged the fee. Crypto.coms complaints officer later admitted there is no confirmation timeout and that cancellation depends entirely on a device back button. That function did not work, meaning the platform removed my ability to revoke consent after fee disclosure. Crypto.com issued a final denial and refused reimbursement even though the transaction was executed due to their app failure. This constitutes a forced transaction, deceptive UI, and financial harm.…

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I am an original holder of XXXX tokens on Crypto.com They say they migrated all of them to XXXX tokens but did not migrate mine. They will not let me access or transfer the XXXX tokens nor convert them to XXXX. They keep telling me that they are " working on it '' but it has been over 30 days and 4 responses. They will not let me have access to my money.

I am filing a complaint regarding unauthorized cryptocurrency transactions that occurred on my Crypto.com account. On [ XX/XX/year> ], funds were transferred out of my Crypto.com wallet without my authorization. I did not initiate, approve, or benefit from these transactions. Within 5 minutes of getting an alert in my XXXX that a token was added to my account and my funds were in processing status to be sent out, crypto.com wasnt able to freeze my account fast enough. Crypto.com later stated that the transactions occurred during an authenticated session using my credentials, but they have not addressed the possibility of session hijacking, application-level compromise, or other security failures beyond user credential changes. Per login check on the security end of their app, it says they allowed an unauthorized login attempt and let the person transfer over XXXX of my hard earned money out of my account.…

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I am filing another and this is my 4th complaint with Crypto.com. They responded on XX/XX/year> on my XXXX complaint and advise of the same response that they are not reimbursing my funds. The scam/fraud make sense is a data breach from the website and I did not authorize these transactions. Crypto.com knows it and is not doing its due diligence. I attached all my related evidence and unauthorize usage throughout the course of these past few months and an email correspondence between Crypto representative. Email communication between me and rep at Crypto.com On XX/XX/year>, at XXXXXXXX XXXX, Complaints XXXX wrote : Hello XXXX XXXX, My name is XXXX XXXX XXXX XXXX XXXX and I am one of the appointed complaints handling officers here at Crypto.com I am sending you this e-mail to provide you with a copy of the letter we are forwarding to the Consumer Financial Protection Bureau in regards to your escalated complaint. Please find this in the attached file.…

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I am a Texas resident and a victim of account fraud involving XXXX XXXX XXXX XXXX ( Crypto.com ). Following a fraud loss of {$3800.00}, the company issued a partial provisional credit of {$1800.00} on XX/XX/year>. However, the company placed these funds into a restricted, inaccessible account rather than my primary USD XXXX XXXX. When I requested a transfer to an accessible wallet to pay for emergency housing and prevent an imminent eviction, the company debited the funds from the restricted account but failed to credit my XXXX XXXX. As of XXXX XXXX on Christmas Day, my XXXX XXXX shows {$0.00}. The company has effectively 'vanished ' my remaining funds during an internal transfer. Support staff have 'escalated ' the issue but have ceased communication while my balance remains at XXXX. I am demanding an immediate manual ledger credit of {$1800.00} to my accessible USD XXXX XXXX and an investigation into the remaining {$1900.00} shortfall from the original fraud event.…

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Immediate Release of all held or restricted funds to my verified wallet address. A Formal Explanation of the discrepancy. Account Termination upon successful recovery of assets. XXXX. Final Notice Failure to rectify this situation within [ Number, e.g., XXXX ] hours will result in this file being forwarded to the Internet Crime Complaint Center ( IC3 ), relevant financial ombudsmen, and my legal counsel. My path is clear, and I will not permit this distraction to persist. XXXX XXXX XXXX XXXX XXXX XXXX

On or around XX/XX/year>, Crypto.com issued provisional credit to my prepaid account for unauthorized transactions. The credited amount was acknowledged by Crypto.com as fully belonging to me. Shortly afterward, I was informed that my prepaid card account would be closed. Despite repeated requests, Crypto.com has not yet transferred or disbursed the balance to my active cash wallet. Crypto.com support has confirmed in writing that I have full rights to the funds, the funds are not being taken away, the card is closed, and the balance is intended to be processed into my cash account. However, they have repeatedly refused to provide a defined timeline for the transfer and have given only vague updates such as necessary action is being taken or we are monitoring your concern. I am requesting immediate transfer of the funds to my cash wallet, written confirmation of the internal escalation or case ID, and identification of the team responsible for completing the transfer.…

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I was coerced and criminaly influenced through given specific instructions on how to talk to my bank to wire transfer funds into Crypto.com. Once in Crypto.com, it is my contention that they knew, or should have known, that the addresses used were previously implicated in the commission of a crime, to which I asked for full refund. They denied my request. They asked me if I authorized the transaction, which I did, but again I was criminally influneced, to which they again denied my request. But Crypto.com never acknowledged whether my initial statement was true of false. This is there final reply to me : Hello again XXXX, Thank you for your email. Due to the request for the transfer being made to a whitelisted address, we have completed it on our end. Please, keep in mind, that once a withdrawal has been completed, we are not able to revert or refund the amount as it has left our custody. We always recommend researching the types of BTC/Crypto scams that are currently out there.…

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I had made an INSTANT deposit on Crypto.com because I needed to make a payment to a friend for something I owed him for. Once the money was taken out of my account, it didnt let me send anything and still isnt letting me send the crypto and now the value of the crypto has gone down along with their selling fees and I am at over {$500.00} of a loss. The confirmation page told me it was instant and it was available to send immediately which in fact was a complete lie. Be CAREFUL WITH PUTTING A SINGLE XXXX ONTO THEIR PLATFORM.