ComplaintsforBluevine Inc.

Financial Services

HeadquartersMulti Location Business

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Additional Complaint Information

Customer Complaint:

Bluevine came to BBB’s attention in 2016. A review of complaints was completed in March 2024.
BBB urges consumers to review the following links for Bluevines’ terms of use and account disclosure and agreement information.

https://www.bluevine.com/terms-use/
https://www.bluevine.com/ccbx-checking-agreement/#k-mobile-check-deposit

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Initial Complaint
11/07/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On July 27, 2024, opened a business account in response to a promotional offer that $300 would be credited to my new account if meeting the condition of using and spending at $2000 or more spend using debit card every 30 days within the first 90 days of account opening, and would be paid within the first 10 days of the month following which the last 30 day window. Having met this requirement with the final spend occurring on 10/20/24, I was expecting the bonus of $300 to occur on or before 11/8/24, as the final business day of the first 10 days of the month of November. Rather than receiving the bonus, I instead received an email indicating that the terms that were originally agreed to were now being amended to state that the $2,000.00 would need to be for eligible transactions. Because this is a contractual violation, and all terms of the originally offered and accepted terms were met, the $300 bonus needs to be paid or legal action will be taken.
Business response
11/11/2024
Hi ****,
Thank you for taking the time to share this review with us, and apologize that your experience didnt meet your expectations.

Our team has worked with you to resolve the issue, and has contacted you directly. If you're still interested in assistance, please reply to our latest communications. We're happy to help.

Thank you,
Bluevine Team

Customer response
11/11/2024

Complaint: 22527037

I am rejecting this response because all original terms and conditions were met prior to the changes on November 7, 2024. As such, Bluevine is in breach of contract by failing to fulfill the obligation to award the $300 bonus payment for meeting all of the terms and conditions that were said needed to be satisfied for payment.

Sincerely,

**** ***
Business response
11/15/2024
Hi ****,
Thank you for taking the time to share this review with us, and apologize that your experience didnt meet your expectations.

Our team has worked with you to resolve the issue, and has contacted you directly. If you're still interested in assistance, please reply to our latest communications. We're happy to help.

Thank you,
Bluevine Team

Customer response
11/15/2024

Complaint: 22527037

I am rejecting this response because I have not been contacted directly by the support team, contrary to what has been indicated by Bluevine.

Sincerely,

**** ***
Initial Complaint
10/24/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
My complaint is that I called bluevine to change my phone number an email cause phone was damaged an ****** wasn't letting me retrieve it on new device so blue one said fine we will get it fixed for you well here I am almost 3 months later an my account is closed which is fine but the BIGGER problem is. They are holding the 20k that was in my account an saying I won't be getting it back. I need some help with this if anyone knows what I can do.
Business response
10/29/2024
Hi *********,
We appreciate you taking the time to share this review with us and apologize that your experience didn't meet your expectations.

Like most banking services, our security rules and policies are of high standards meant to protect you and your account. Our underwriting team regularly reviews current customer accounts to ensure safety, and we might find it necessary to freeze or close an account due to suspicious activity.
Thank you,
Bluevine Team

Customer response
10/30/2024

Complaint: 22471423

I am rejecting this response because: I gave all the proof they asked for including bills under my name with address and other legit factual documents including my license and factual recognition to prove I am who I say I am and then to keep 20 thousand dollars and say I'm not begetting it back. I'm taking the next steps and my legal time if going to go at it with full force. If y'all don't have take care of this issue ASAP

Sincerely,

********* ***********
Business response
10/30/2024
Hi *********,

We appreciate you taking the time to share this review with us and apologize that your experience didn't meet your expectations.

Like most banking services, our security rules and policies are of high standards meant to protect you and your account. Our underwriting team regularly reviews current customer accounts to ensure safety, and we might find it necessary to freeze or close an account due to suspicious activity.

Thank you,
Bluevine Team
Customer response
10/30/2024

Complaint: 22471423

I am rejecting this response because: security rules how if I gave you all the proof and more so that y'all could know it's me an still y'all refuse to give me my money or send me the check with remaining balance.

Sincerely,

********* ***********
Initial Complaint
10/21/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On September 20th, 2024 I mobile deposited a total of $8,600 in my business checking account a few checks were rejected for different reasons however a total of $4,100 was accepted the day my funds became available my account was put on hold with no reason given 2 and half weeks later I was told my account would be closed once I was not given a reason I was told my remaining balance $4100.26 would be mailed to me 5 days after my account closed it would take up to 10 days to receive my funds I received a email on 10/08/24 saying my check was mailed I would receive it with 10 days on 10/21/24 after not receiving my funds I emailed bluevine to be told I would not be receive my money I called bluevine and was told they would not talk to me about my account
Business response
10/22/2024
Hi ****,
We appreciate you taking the time to share this review with us and apologize that your experience didn't meet your expectations.
Like most banking services, our security rules and policies are of high standards meant to protect you and your account. Our underwriting team regularly reviews current customer accounts to ensure safety, and we might find it necessary to freeze or close an account due to suspicious activity.
Thank you,
Bluevine Team
Initial Complaint
10/19/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I opened a business account with ****************** back in August. They shipped me a card, etc. No issues with the account until , I deposited a business check into the account. I initial was sent an email that stated my funds would be on hold until Oct. 2nd , then another one just the day before that I needed to verify my identity. I sent in all of the documents swiftly THREE TIMES! Just to hear after 2 days that my account was being closed & that I should receive a check in the mail in 4 days. Well, Ive yet to receive MY money back & this experience has been exhausting. I call & the representatives, supervisors all say the samething & NOTHING. After reading others experiences Im starting to wonder if they intentionally do this to take peoples money. Ive told all of my networks , ******************* not to use Bluevine & will continue to do so. I dont understand how a company like this can exist, it seems very scam likely.
Business response
10/29/2024
Hi Jasmine,
Thank you for taking the time to share this review with us, and apologize that your experience didnt meet your expectations.

Our team has worked with you to resolve the issue, and has contacted you directly. If you're still interested in assistance, please reply to our latest communications. We're happy to help.

Thank you,
Bluevine Team
Initial Complaint
10/16/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
i received an email saying i had tasked to be completed or my account could be put on hold. So it was said they had received information my business was not in good standing; to provide proof it was in good standing. I DID THAT.. then they ask why money is being transferred to another account in my husband's name (whom by the way is an additional account holder).. provided that information.. Asked what the business is i have the account for.. ANSWERED THAT.. they asked why there was cash deposits (even though we have to pay to deposit that cash in the first place).. ANSWERED THAT. then they want a pic of the front and back of DL. DID THAT.. last but not least they asked for another pic of front and back of DL and a selfie of me holding said ID.. DID THAT.. WHY WAS IT REJECTED BECAUSE THE SELFIE WAS MIRRORED??? arent all selfie pictures mirrored?? So now I have to wait another ***** hours for them to verify... My account has been on hold since Monday night (*****). it is currently Wednesday (*****) and I have no access to any money in my account..
Business response
10/23/2024
Hi ******,
Thank you for taking the time to share this review with us, and apologize that your experience didnt meet your expectations.

Our team has worked with you to resolve the issue, and has contacted you directly. If you're still interested in assistance, please reply to our latest communications. We're happy to help.

Thank you,
Bluevine Team
Initial Complaint
10/08/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Here's the updated version of your complaint:---I am writing to formally lodge a complaint regarding the service I received from one of your supervisors, ******* , whom I spoke with on October 8, 2024. My experience with her was one of the most unprofessional interactions I have ever had with a customer service representative.I initially called to inquire why Bluevine once again requested personal details about my business, including:- A detailed explanation of recent outgoing ACH payments, along with supporting documentation.- A detailed explanation of recent cash deposits, along with supporting documentation.- A description of the services my business provides and the purpose of my Bluevine account as well as a business website if ************ a registered accountant with Bluevine, who holds a business account (Account Number: *************, it is very frustrating to be repeatedly asked for the same information every few months. My business involves standard transactions, paying vendors, and is not dealing with large sums of money. I expect better record-keeping and transparency from your platform in managing client data and inquiries.When I attempted to escalate the matter, ******* informed me that she was the highest-ranking representative and refused to transfer me to anyone else. Her unprofessional attitude, including audible sighs and responses like "Yup," compounded my frustration. I find it unacceptable that a supervisor would respond this way, especially when I was simply trying to understand why I am being asked for repetitive information and documentation.This type of dismissive and unhelpful service is concerning, especially from someone in a supervisory role. As a customer who relies on ****************** for business banking services, I expect professionalism and respect in all interactions. I request that this matter be escalated appropriately and that steps are taken to ensure that this type of behavior does not occur in the future.
Business response
10/11/2024
Hi Kimberlina,

We appreciate you taking the time to share this review with us and apologize that your experience didn't meet your expectations.

Like most banking services, our security rules and policies are of high standards meant to protect you and your account. Our underwriting team regularly reviews current customer accounts to ensure safety, and we might find it necessary to freeze or close an account due to suspicious activity.

Thank you,

Bluevine Team
Customer response
10/18/2024

Complaint: 22397697

I am rejecting this response because: the person that I have had a compliant about actually emailed and tampered with my account so because of the compliant I wrote you guys gave her access to my information and allowed her to retaliate, and send me threatening emails?

Sincerely,

********** ***
Business response
10/22/2024
Hi Kimberlina,

We appreciate you taking the time to share this review with us and apologize that your experience didn't meet your expectations.

Like most banking services, our security rules and policies are of high standards meant to protect you and your account. Our underwriting team regularly reviews current customer accounts to ensure safety, and we might find it necessary to freeze or close an account due to suspicious activity.

Thank you,
Bluevine Team
Initial Complaint
10/07/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Ok so after reading 29 pages of complaints on this company im the next ****** who is in big trouble because of Bluevine. I was their customer since October 2020. Same thing happened to me first they put hold On my account for couple of days requested documents and then they closed it. All that period of time my business stopped working because Bluevine was main business account which i was making payments, autopays and transfers, so it was disaster for my business. We have 77k of business money in that account but they are refusing to give it back to us. I talked to dozens of different representatives and supervisers but all of them say the same thing, that my account is closed and no additional information etc. I didnt believe that they can do staff like this to customers,before reading all this complaints i realized that im not the first ****** I have never had such a bad experience with any other banks or institutions! This is a real thing going on with many people and i dont know how these guys keep operating like this. My account was closed on Sep 11 2024 and im still waiting for my check. After couple of days im going to file a legal action so anybody want to team Up my attorney is going to start contacting other clients. I demand my money back asap! I also filed a complain on **** ,***, **** and The *************************************************.
Business response
10/09/2024
Hi Sona,
We appreciate you taking the time to share this review with us and apologize that your experience didn't meet your expectations.
Like most banking services, our security rules and policies are of high standards meant to protect you and your account. Our underwriting team regularly reviews current customer accounts to ensure safety, and we might find it necessary to freeze or close an account due to suspicious activity.
Thank you,
Bluevine Team

Customer response
10/10/2024

Complaint: 22393195

I am rejecting this response because: First this is this same answer to all kind of complaints you get. You guys respond with almost same message to everyone. Second my issue is not that Bluevine closed or freezed my account, my issue is that im not getting my money back, you guys keep my all the funds for almost a month and nobody gives me any *** when im going to get my money back. Bluevine doesnt give me any information or when or why im not getting my money back. This is not resolved and im not satisfied with their response at all!!!!

Sincerely,

**** ********
Business response
10/10/2024
Hi Sona,

We appreciate you taking the time to share this review with us and apologize that your experience didn't meet your expectations.

Like most banking services, our security rules and policies are of high standards meant to protect you and your account. Our underwriting team regularly reviews current customer accounts to ensure safety, and we might find it necessary to freeze or close an account due to suspicious activity.

Thank you,
Bluevine Team
Customer response
10/10/2024

Complaint: 22393195

I am rejecting this response because: So this is the way Bluevine keeps responding with the same message hoping people dont answer back in 5 days so it shows resolved? Im not accepting the response because the conplaint is not resolved. They keep coming back with same message. Probably they dont even read what is the complaint about. As i responded earlier my issue is not that Bluevine closed or freezed my account, my issue is that im not getting my money back, you guys keep my all the funds for almost a month and nobody gives me any *** when im going to get my money back. Bluevine doesnt give me any information or when or why im not getting my money back. This is not resolved and im not satisfied with their response at all!!!!

Sincerely,

**** ********
Initial Complaint
10/07/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have a business account with ****************** and an issue occurred with a company I was doing business with but was quickly resolved restoring my account balance to a positive amount of over $31k. I then received an email from Bluevine on October 1, 2024 that my account was closed and that I was required to submit documents no later than September 31, 2024 although I received the notice in October. I quickly follow up with the requested documents not once but twice with additional information. Days later I was notified that my account would remain closed and they were keeping my funds. So basically they were keeping my money and would not give any explanation as to why this was occurring. I also asked if there was additional information I could provide to support their verification and I was denied.
Business response
10/08/2024
Hi ****,
We appreciate you taking the time to share this review with us and apologize that your experience didn't meet your expectations.
Like most banking services, our security rules and policies are of high standards meant to protect you and your account. Our underwriting team regularly reviews current customer accounts to ensure safety, and we might find it necessary to freeze or close an account due to suspicious activity.
Bluevine Team

Customer response
10/08/2024

Complaint: 22392048

I am rejecting this response because: Your response is still denying me an explanation and you are keeping my funds. Also you are claiming that you can not find my account with my name but you sent me an email the same day as the response to this BBB complaint.

Sincerely,

**** A ****** **
Business response
10/09/2024
Hi ****,
We appreciate you taking the time to share this review with us and apologize that your experience didn't meet your expectations.
Like most banking services, our security rules and policies are of high standards meant to protect you and your account. Our underwriting team regularly reviews current customer accounts to ensure safety, and we might find it necessary to freeze or close an account due to suspicious activity.

Bluevine Team
Customer response
10/09/2024

Complaint: 22392048

I am rejecting this response because: Bluevine is not telling what occurred so that I am aware of the issue and if necessary to action to protect myself as well. I have not committed any crime or engaged in in criminal activities, I think I deserve the right to an explanation not just stone ******* me with a script response from three different supervisors. Please give me a detailed answer.

Sincerely,

**** A ****** **
Initial Complaint
10/04/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Dear *********** am writing to file a complaint against BlueVine. Recently, my BlueVine account was abruptly closed without prior notice or any clear explanation. To date, my funds have not been returned, and I have received no updates regarding the status of my funds or the reason for the account closure.Despite multiple attempts to contact BlueVines customer service, I have not received any satisfactory resolution or communication.I kindly request your assistance in resolving this matter and ensuring the prompt return of my funds. Any support you can provide would be greatly appreciated.Thank you for your attention to this urgent matter.
Business response
10/11/2024
Hi Sapna,
Thank you for taking the time to share this review with us, and apologize that your experience didn’t meet your expectations.

Our team has worked with you to resolve the issue, and has contacted you directly. If you're still interested in assistance, please reply to our latest communications. We're happy to help.

Thank you,
Bluevine Team
Initial Complaint
10/03/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Bluevine was my business checking account for a couple of months and all my business transactions were deposited in my Bluevine checking account. So out of nowhere without absolutely no explanation they decided to close my checking account with my money being held as hostage in the amount of $10,493.93. after couple of unsuccessful attempts trying to get an explanation of why they would do that I have been unsuccessful. **** from Bluevine who is also a supervisor there is telling me they closed my account and I am not going to get my money back whatsoever. I am really going out of business losing this amount of money without no reason nor having to know when will I receive my funds.
Business response
10/07/2024
Hi Emanuel,
We appreciate you taking the time to share this review with us and apologize that your experience didn't meet your expectations.
Like most banking services, our security rules and policies are of high standards meant to protect you and your account. Our underwriting team regularly reviews current customer accounts to ensure safety, and we might find it necessary to freeze or close an account due to suspicious activity.
Thank you,
Bluevine Team

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