Winklevoss Exchange LLC

My credit card autopay was disabled without any action on my part. I believe this was due to a bug in the XXXX mobile app. I was unaware that autopay had been disabled, and as a result, I missed a payment. This is highly unusual for me : I have paid every credit card bill on time for 15 years and have never missed a payment. The only reason this happened was because XXXX system silently turned off autopay. After discovering the issue, I submitted two support cases to XXXX. Despite waiting months, I have received no acknowledgment that the issue is being investigated or resolved. There has been no communication from XXXX explaining why my autopay was turned off, whether they are fixing the bug, or whether they will reverse the interest and fees that were charged as a result. Because of this failure, I have incurred interest charges and lost my grace period through no fault of my own.…

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I have been locked out of my account for several months. Three weeks ago i completed the process to change my XXXX phone number with Gemini. They requested i upload identity verification documents which i did through XXXX XXXXXXXX. But they failed to change my information as requested. Now my account is past due and i cant log in to pay them. I notified them this would be the result of continued failures to update my information. Ticket id numbers XXXX XXXX They have yet to rectify the problem and now after an entire month of trying to log in to my account they now say my account is past due.

I have been dealing with this for almost XXXX months now. I made weekly recurring buys of XXXX on Gemini for {$25.00}. I did this from XX/XX/XXXX to XX/XX/XXXX. I made {$350.00} in buys. No payments were missed. I am XXXX. I was supposed to get {$50.00} in XXXX as a reward. Instead I get these generic emails Thank you for your continued patience and for taking the time to follow up on thisI understand how important it is to receive clarity here. Weve taken a thorough look at your account in relation to the Recurring Buy promotion, and I want to walk through to ensure clarity. To qualify for the reward, all outlined conditions must be completed together within the promotional terms. This includes maintaining an active recurring buy for at least XXXX consecutive successful executions, ensuring each transaction processes successfully with a valid payment method, and reaching a cumulative total of {$300.00} in purchases within 90 days of the first successful transaction.…

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For over a month, I have been unable to access my Gemini account because I am not receiving login verification emails from Gemini at my registered email address. Gemini 's login flow requires an email confirmation before XXXX, so without receiving that email I am completely locked out of my account and can not access my funds. I have tried the following to resolve this : multiple browsers, multiple devices, checked spam and junk folders, created XXXX filters to whitelist gemini.com, and attempted to resend the verification email multiple times. None of these resolved the issue. I submitted a support ticket ( ticket # XXXX ) but could not receive the confirmation email for that ticket either, due to the same issue. I eventually discovered that emails to a different address on the same domain receive Gemini emails fine, which indicates my registered email address has been placed on a suppression list in Gemini 's email delivery system.…

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I am filing a complaint regarding the continued restriction and withholding of approximately {$12000.00} in funds by XXXX Trust Company , LLC since late XX/XX/year>. XXXX has refused to release my funds while failing to provide any specific, evidence-based justification tied to my account activity. Instead, I was informed that XXXX reviewed my online presence as a music artist and, based on that, made assumptions regarding potential fraudulent conduct. This rationale appears to rely on subjective and extrinsic factors unrelated to my actual transactions, account history, or any verifiable violation of XXXX terms of service. To date, XXXX has not identified any specific transaction, pattern of activity, or contractual breach that would justify the continued restriction of my funds.…

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Gemini Trust Company , LLC ( NMLS # XXXX ) and Gemini XXXX, XXXX ( NMLS # XXXX ), as identified in the application ( Copyright 2025 Gemini XXXX XXXX, XXXX or its affiliates ), are the entities associated with my account and the entities that are preventing me from withdrawing or transferring my funds. I am a resident of XXXX, and my local bank has advised that it can not assist in recovering the funds as the transactions were authorized by me, but I had no idea that I wont be able to use my funds. Between XX/XX/XXXX and XX/XX/XXXX, I purchased approximately {$4400.00} worth of cryptocurrency through Gemini after being unable to use other platforms from XXXX. Gemini charged {$210.00} in fees on this amount. After funding my account, I attempted to withdraw funds as a precaution. I was instructed to initiate a bank transfer first, which I did.…

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As of the XXXX of XX/XX/year>, Gemini closed my account with my funds in it, at the time it was still in crypto ( USDT, BTC ) which as we know is very volatile and it resulted in a very big loss, but i didn't mind, then I was told to sell my cryptocurrency to XXXX and withdraw my funds effective immediately but then the bank ( XXXX XXXX ) that was linked to it was closed as well which limited my funds to be withdrawn, so I was given a secure link to upload some documents to verify that the account was truly closed so i can be permitted to link another bank account of mine, after multiple complaints to Gemini to upload some documents including the letter of closure of bank account from the bank ( XXXX XXXX ) amd my drivers license which I uploaded on the XXXX of XXXX, now until today I have no access to my funds and I haven't gotten any response from Gemini since then, which has gotten me frustrated and aggravated, so then I was doing some research and I saw a lot of people recommend…

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I recently signed up for a credit card through the company XXXX, offered through XXXX XXXX. I was suppose to receive a welcome bonus of {$200.00} in cryptocurrency rewards after spending {$3000.00} in the first 90 days. I signed up for the card on XX/XX/year> and received a welcome email that stated the award I would receive. When I received the email from XXXX on XX/XX/year>, it cleared stated the following : Get {$200.00} in crypto by using your card. Spend {$3000.00} within 90 days of your approval and receive {$200.00} in the cryptocurrency that youve selected as your reward. Well track your spending and let you know when youve met the spending threshold. No further action is needed to participate. This week, I was emailed again by XXXX after reaching the {$3000.00} spent and was told the award was no longer available and was discontinued on XX/XX/year>.…

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My account details with XXXX ( crypto exchange ) email == XXXX XXXX ) Deposited XXXX USD into XXXX XXXX XXXX XXXX account on XX/XX/year> XXXX ) Purchased XXXX for XXXX USD on XX/XX/year>. 3 ) Tried withdrawing my XXXX to private wallet for XXXX XXXX Got error message " temporary restriction ''. So i opened a ticket with support and they asked me to upload a selfie with DL and a code they provided which i did. They responded saying the restriction will be lifted on XX/XX/year>. On XX/XX/XXXX when i logged in it said account Frozen. I had my funds locked up in XXXX for a month since XX/XX/XXXX. I complained countless times via email and Calling their credit card service number. Finally was able to convince the customer support person ( credit card division ) to get me a supervisor XX/XX/year> at XXXX morning. After explaining to the supervisor he committed to escalating it.…

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XX/XX/XXXX : - tried to withdraw about stablecoins bought from XXXX XXXX to my personal cryptocurrency wallet but the transaction was blocked - contacted XXXX to lift the crypto transfer restrictions- XXXX sent me a request to submit a verification picture ( a selfie with my face, ID and a handwritten paper with the date of which the picture was taken and the case number ) and told me to reply them once I uploaded my verification picture to their secure drop website. - Uploaded the verification picture meeting all the requirements requested by XXXX XXXX XX/XX/XXXX - at XXXX, I reply XXXX notifying them that I have successfully uploaded the verification picture and asking whether the verification is required for every transaction or if it is one-time only XX/XX/XXXX to XXXX - No replies from XXXX and my account still restricted from XXXX transfers.…

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Dear Consumer Financial Protection Bureau, I am writing to formally raise a concern regarding my ongoing experience with XXXX XXXXXXXX. Since XX/XX/XXXX, I have been attempting to resolve an issue with them, but unfortunately, I have been met with continuous delays and a lack of clear communication. Despite providing all requested information promptly and being assured that my matter was under review, XXXX has not responded or followed up as promised. It is now XX/XX/XXXX, and I have yet to receive any meaningful update or resolution. I want to emphasize that I am not involved in any suspicious activity ; however, the prolonged lack of response and the runaround I have been given have caused me to feel uneasy and uncertain about the handling of my account. I am seeking your assistance to help ensure that XXXX XXXXXXXX addresses my concerns promptly and transparently. Thank you for your attention to this matter.

On XX/XX/XXXX to XX/XX/year>, Gemini approved transactions totaling approximately {$1500.00} for gambling to the sports betting app XXXX. I specifically got this card because I have a gambling problem and there terms and agreement prohibit the XXXX of betting and gambling with card. According to their cardholder agreement, gambling transactions are explicitly prohibited, yet these charges were allowed to go through. The transactions appear on my statement, and I am seeking resolution because the company allowed charges that violate their own agreement.

I began noticing unauthorized charges from XXXX on my Gemini credit card in XX/XX/XXXX. I immediately reported the fraud to Gemini, and they resolved the charges by crediting my account and issuing me a new credit card. However, shortly after activating the new card in XX/XX/XXXX, additional fraudulent XXXX charges appeared on my statement. I reported this to Gemini again, and they once more credited the amounts and sent me another new credit card. This pattern continued : After activating the subsequent card, more unauthorized XXXX charges showed up in XX/XX/XXXX. I reported it promptly, received credits, and was issued yet another new card. The same issue recurred in XX/XX/XXXX after activation, leading to another report, credits, and a new card. In XX/XX/XXXX, fraudulent XXXX charges appeared again following activation of the latest card.…

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I am filing this formal regulatory complaint against Gemini Trust Company , LLC regarding their unfair, deceptive, and abusive act of confiscating {$260.00} of my pre-existing, clean funds to offset a fraud reversal initiated by my bank. I was recently the victim of a sophisticated, international Authorized Push Payment ( APP ) cyber fraud ( a " Task Scam '' ) operated by an organized criminal syndicate. As a result of this criminal extortion, my financial institution ( XXXX XXXX XXXX XXXX conducted a lawful fraud investigation. The bank subsequently reversed/charged back {$900.00} in fraudulently induced deposits that were routed through Gemini. Instead of acknowledging the documented criminal fraud, Gemini retaliated against me as the victim. Without warning or authorization, Gemini unilaterally confiscated {$260.00} of my clean, pre-existing funds that were sitting in my Gemini wallet to partially offset the bank 's reversal.…

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I am submitting this complaint about the XXXX credit card issued by XXXX regarding ( 1 ) failure to properly acknowledge and investigate disputed charges I reported as fraud/unauthorized activity, ( 2 ) loss of access to account records after closure, and ( 3 ) negative credit reporting to XXXX tied to a balance that includes disputed transactions and unresolved dispute handling. Disputed charges / investigation failure In XX/XX/XXXX, I noticed XXXX charge ( s ) that I believed were fraudulent/unauthorized. The first statement showing the XXXX charge was dated approximately XX/XX/XXXX ( exact statement date available from the issuers records ). In XX/XX/XXXX, I disputed the XXXX charge ( XXXX ) by phone with XXXX Credit Card Support. I was later told my dispute was not in time, but I disputed promptly in XX/XX/XXXX after noticing the charges in XX/XX/XXXX. I contacted XXXX and was able to obtain a partial refund, but not the full amount.…

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Ive been having issues logging into my XXXX account, Ive been back and fourth via email since late XX/XX/2025, and they try to help but ultimately fail to reply after a few emails. Ive owned several cases. Its a very simple request. Im unable to access my account, and need help from their technical support team to re instate it so I can apply for a credit card.

My Gemini account has been under a security freeze since XX/XX/year> ( Ticket ID : XXXX & XXXX ) Gemini initiated the freeze and requested identity and security verification, which I completed promptly. I have responded to all support communications and complied with every requested step. Despite multiple follow-ups over several weeks, Gemini Trust Company , LLC has stopped responding and has not provided a timeline or resolution. My account remains inaccessible and I am unable to access my funds. I am requesting regulatory assistance to : XXXX. Restore access to my account, or XXXX. Provide a clear written explanation for the continued restriction and steps required for resolution. The prolonged freeze and lack of communication have caused financial harm and uncertainty.

On XX/XX/XXXX my Gemini credit card was charged XXXX times after the company denied XXXX charges. The charges were from XXXX XXXX XXXX, a restaurant delivery service in XXXX, XXXX. I live in XXXX, Texas and was there on XX/XX/XXXX. The XXXX charges were in the following amounts : {$52.00}, {$210.00}, {$52.00}, {$52.00}, and {$100.00}. The card was charge all XXXX times within XXXX minutes. The company initially declined XXXX charges then allow these XXXX charges to go through. I disputed the charges with the company on the same day and the company temporarily credited my account while they investigated the dispute. I received an email today, XX/XX/XXXX, stating the following : " Your dispute case has been resolved and your claim was denied. The credit has been removed and the disputed amount plus any applicable interest has been added to your balance. You will be receiving a letter with more information regarding the details of your dispute resolution.…

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Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Virtual Currency / Money Transfer The Issue I am filing this complaint against XXXX XXXX XXXX XXXX XXXX an unresolved account freeze, an inability to withdraw funds, lack of customer support regarding lost funds. Despite multiple attempts to resolve this directly with Gemini via their support ticketing system, my issue remains unresolved/ignored for XXXX days. Statement of Facts Date of Initial Incident : XXXX XXXX XXXX XXXX XXXX Support Ticket Number ( XXXX ) : Original Support Number Summary of Events : * On XXXX of XXXX around XXXX, I fell foul of a phishing attempt where somebody impersonated gemini support. They used a sophisticated weblink and website, had numerous personal details of me. This included the XXXX of XXXX previously used cold wallet keys, only viewable within the gemini ecosystem.…

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My Gemini cryptocurrency exchange account has been restricted/locked since XX/XX/XXXX, with no explanation provided despite full cooperation with verification requests. This prevents access to my funds, trading, withdrawals, or any account activity. Key details and timeline : Restriction began on or around XX/XX/XXXX, without notice or stated reason ( e.g., no mention of suspicious activity, policy violation, or KYC issue ). I submitted support inquiries and opened XXXX ID : XXXX in late XX/XX/XXXX. On XX/XX/XXXX, Gemini requested a single verification photo : full-face selfie + my registration ID + handwritten note with date and code " XXXX, '' uploaded via their secure Dropzone ( https : XXXX ). They emphasized XXXX photo only, no expired ID accepted. I completed and submitted this promptly, then replied confirming submission.…

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In XX/XX/scrub> 2025 I sent approximately {$41000.00} in XXXX to a deposit address provided within myXX/XX/XXXXaccount. The transfer was made over the XXXX XXXX. At no point did I believe I was sending funds somewhere outside of XX/XX/XXXX control I followed the deposit instructions presented to me on the platform. I am XXXX XXXX XXXX and this amount represents a substantial portion of my savings. Losing access to these funds has caused significant financial hardship and stress. I trustedXX/XX/XXXX as a regulated platform and reasonably believed that funds sent to a XX/XX/XXXXdeposit address would be safeguarded. Since then,XX/XX/XXXX has integrated support for both the XXXX XXXX and XXXX on XXXX. The funds remain visible and traceable on the blockchain and appear to have reached wallets associated withXX/XX/XXXX infrastructure. Given that XX/XX/XXXX now supports the relevant network and asset, it is difficult to understand why recovery efforts are not being undertaken.…

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My current XX/XX/XXXXCredit Card balance is XX/XX/XXXX {$7000.00} at a 21 % APRXX/XX/XXXX. This is my highest credit card balance, and the interest rate significantly increases the monthly obligation during financial hardship. XX/XX/XXXXTimeline of Actions TakenXX/XX/XXXXSeveral months ago ( approximately XX/XX/XXXX ) XX/XX/XXXX I contacted XX/XX/XXXX customer service to request hardship assistance or a temporary interest rate adjustment. No hardship options were provided. XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX I attempted to contact customer service again to request a hardship program or monthly adjustment. I was unable to obtain meaningful assistance or escalation. XX/XX/2026 I made another attempt to request enrollment in a hardship program or interest rate reduction. I was unable to secure a monthly adjustment or speak with a representative authorized to resolve the issue.…

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On XX/XX/XXXX of 2026 at approximately XXXX Eastern time an email was received a better request for a wire transfer from my bank account immediately following that receipt. My cell phone service SIM acquired was compromised and I lost all ability to make a phone call or send a text because my network was not available. On the following day at XXXX XXXX, I was at XXXX getting a new cell phone and a then I proceeded to my bank and closed the existing recount which {$400.00} was withdrawn and opened up a brand new account. I had three other bank accounts that were compromised and money was withdrawn along with credit cards that were accessed in all disputes were filed, and money was credited back to my account accounts. While this happened, I have three crypto exchanges one is XXXX two is XXXX and three is XXXX. I have requested on numerous occasions probably an email trail of 30 to 50 emails in responses with security questions answered photos sent drivers license.…

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Subject : Complaint Regarding Failure to Provide Credit Card Statements and Transaction History To Whom It May Concern, I am submitting this complaint regarding the XXXX Credit Card issued through XXXX XXXX XXXX XXXX XXXX Since approximately XX/XX/XXXX, I have been unable to access my credit card transaction history or monthly billing statements through XXXX website or account portal. This issue has persisted continuously despite my repeated efforts to resolve it through XXXX customer support channels. I have submitted multiple technical support tickets over several months reporting this problem. In each case, I promptly provided all information requested by XXXX. Despite this, the issue has not been resolved, and I have not regained access to my statements or transaction history. I am asking for the technical issue to be fixed immediately.…

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I opened an account with XXXX to set up a crypto currency account with minimal funds to just test out the market. I have not used the acct in a couple of years. Recently I was noticing emails stating my account was logged into, so I attempted to login to check the account and could not login. Did not want to reply to any of the emails ( there was more than one ) so when I could not access I contacted XXXX support directly with the issue. They said I would have to send personal info and a current photo -- no other entity has eer asked for this, continued to try to work thru getting login reset but they refused, and I said well close my account and send refund of balance, and they said they do not send money back- they just keep it. I have ALL the email communications if needed. I noticed online there are several complaints and legal issues with this company, told them I was aware of that but it did not matter. They will not let me in my account or close and refund

Company : XXXX Credit Card / XXXX Issue Type : Credit decision error ; failure to provide adverse action notice ; inaccurate or misleading application outcome Date of Incident : Today Summary of Complaint I am submitting this complaint regarding XXXX Credit Cards improper handling of a credit line increase ( CLI ) request, including ( 1 ) a contradictory approval-then-denial outcome and ( 2 ) failure to provide a legally required Adverse Action Notice, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m. This is not an isolated incident and reflects a pattern of non-compliance. Factual Background Today, I submitted a request for a credit line increase on my XXXX Credit Card account. During the application process, the XXXX system explicitly stated that I was approved for the credit line increase. Moments later, that approval was summarily reversed and changed to a denial, without explanation, justification, or any accompanying adverse action disclosure.…

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Dear Consumer Financial Protection Bureau, I am requesting assistance with an issue involving XXXX XXXXXXXX XXXX. In XXXX, I sent XX/XX/year> {$5000.00} by XXXX and XX/XX/year> {$6900.00} by wire to my XXXX account. After complying with all requests and waiting the required hold period, my account has remained under review with no clear communication or resolution. I have been unable to access my funds, and this situation has caused financial difficulty, including the closure of my bank account. I am simply seeking access to my funds I want to send out my bitcoin out of the app because I have only chime bank and it not supported with the app Thank you for your understanding and assistance. Sincerely, XXXX XXXX XXXX XXXX

Systemic Failures in Fraud Investigation and Improper Reliance on Merchant Evidence. I am filing this complaint to document serious procedural failures in XXXXXXXX XXXX XXXX handling of my stolen-card fraud claim. Although the charge was later reversed after regulatory escalation, the initial investigation was deficient and caused months of unnecessary burden and XXXX. I reported the {$1100.00} transaction as fraud / stolen card / identity theft immediately while it was still pending, and my card was canceled and replaced at that time. Despite this, the case was treated as a billing dispute and denied without contacting me for clarification, without requesting documentation, and without advising me what materials to provide. When XXXX eventually produced the merchant documentation relied upon to deny my claim ( 3 months after the initial dispute ), it showed that only my name, billing address, phone number, and CVV matched.…

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On XXXX, I manually unstaked XXXX tokens of XXXX from my XXXX wallet. XXXX promises no more than XXXX days to XXXX XXXX. However, on XXXX, I observed that only XXXX of my tokens were unstacked. I filed a complaint with XXXX as to why the full amount was not unstaked. I got a robo answer. Then, on XXXX, I checked my XXXX account, and the remaining XXXX XXXX tokens that had been in the " XXXX '' mode were now completely missing from my XXXX wallet. I checked the transaction history, and there was nothing to account for where this tranche went. I escalated my complaints with XXXX to identify where my tokens went and to fully restore and complete the unstaking processes. I have only received generic " we are working on it '' responses. It is now 7 days since I unstaked my tokens and 5 days since the remaining tokens disappeared from my XXXX wallet. XXXX has been completely unresponsive to my repeated queries.…

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I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for restricting my account without explanation and ignoring my emails for over a week. On XX/XX/year>, I purchased {$1700.00} worth of Bitcoin, and on XX/XX/year>, I purchased an additional {$5000.00} worth of Bitcoin. Shortly after, around XX/XX/XXXX, my account was restricted, blocking access to my funds and transactions. I emailed their support on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ], but have received no response or update. This lack of communication violates consumer protection standards for transparency and timely support. I can provide email copies and screenshots as evidence.

Financial Institution : Gemini Trust Company , LLC Issue Summary : I am submitting this complaint regarding Geminis handling of a disputed credit card charge and a retracted promotional offer. Unauthorized Charge : A charge appeared on my Gemini Credit Card that I did not authorize or make. I did not receive the product or service, and I have no affiliation with the merchant. The charge occurred on XX/XX/year> in the amount of {$1100.00} Gemini denied my dispute without providing clear justification or evidence of authorization. Promotional Offer : Gemini emailed me a promotion offering a {$20.00} trading credit if I deposited {$100.00} or more. I deposited {$350.00} in reliance on this email. After the deposit, Gemini stated the email was sent in error and refused to honor the promotion. Why This Is a Problem : Consumers should not be held responsible for unauthorized charges or penalized for relying on written promotional offers sent directly by a financial institution.…

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In XXXX XXXX XXXX ], I applied for a XXXX credit card. During the account setup process, my account froze, and I have been unable to log in ever since. I have attempted every troubleshooting step, including password resets and following all instructions provided by XXXX I have contacted XXXX customer service multiple times over the past XXXX months, requesting assistance to regain access to my account, but I have received no resolution or helpful response. I have not been able to use the card, access my account, or complete the application process. I am requesting that XXXX restore my account access, provide clear instructions to resolve this issue, or offer an alternative solution, as the delay has persisted for XXXX months with no support.