COINBASE, INC.


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"Products" offered by COINBASE, INC. with at least one, but usually more complaints:

Bank account or service - Other bank product/service
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Credit card debt
Debt collection - I do not know
Debt collection - Other debt
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Other financial service - Foreign currency exchange
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Pawn loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Pawn loan
Prepaid card - General-purpose prepaid card
Prepaid card - Mobile wallet
Virtual currency - Domestic (US) money transfer
Virtual currency - International money transfer

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Complaint ID: 2776730

Date Received: 2018-01-09

Issue: Money was not available when promised

Subissue:

Consumer Complaint: On XX/XX/XXXX, my bank account (XXXX XXXX) was compromised, so I contacted Coinbase about it. As the result, they have frozen my account for the period of 4+ months. They have charged my bank card on file automatically for $XXXX (causing overdraft fees and depleting my account) and also frozen the Coinbase account with funds in it.I have spent 5 months contacting Coinbase. I have spent 50+ hours of call time, e-mailing (Coinbase was e-mailed more than 200 times). Nobody has ever resolved my issue.At one point, I was told that I will not be allowed to use the site, then I was issued an apology and told they will soon refund all the funds and unlock my account. Now, there is absolute radio silence.As of today, XX/XX/XXXX, I still do not have access to my account or funds.I am beyond upset and broken.

Company Response:

State: CA

Zip: 92107

Submitted Via: Web

Date Sent: 2018-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2776723

Date Received: 2018-01-09

Issue: Money was not available when promised

Subissue:

Consumer Complaint: On XXXX XXXX I went to my bank to initiate a {$6000.00} USD wire transfer to coinbase. They are an online cryptocurrency exchange. They promised that it would be processed and credited to my account in one business day. It is now XXXX XXXX and my account has not been credited by coinbase. I have called numerous times in the past weeks and their customer support is a joke. They can not help you with anything, only escalate your case to a 'specialist ' which in return sends you an automated e-mail. You can only contact this 'specialist ' by e-mail, but when you attempt to, they never respond to you. My money is in limbo and I can not do anything. I can not get an answer for why my money has not been credited and where it is, I am told to simply wait. I have been waiting for now approaching close to 1 month. They also are continuously accepting new bank wires even though they acknowledge they have a massive amount of backlogged wires from XXXX. My Case ID is : XXXX.

Company Response:

State: IL

Zip: 60630

Submitted Via: Web

Date Sent: 2018-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2776705

Date Received: 2018-01-09

Issue: Money was not available when promised

Subissue:

Consumer Complaint: On XXXX XXXX I wired {$4900.00} from XXXX to Coinbase. Coinbase sent an email back an hour later claiming the wire transfer was rejected because the senders name did n't match the name on the Coinbase account, and that the money will be transfered back into the senders account within 3 days. I Called XXXX and sent an Amended wire transfer shortly after the initial Coinbase rejection email. Today is XXXX and I have n't heard from Coinbase yet. I 've sent 2 help tickets a few days apart from each other, and I sent an email to them today informing them to deposit the money back into my XXXX. The only reason I have't called is because I hear the wait time is hours long. I 'm in XXXX living on a military installation, and do n't want to pay exorbitant phone fees just to be disconnected after a 2 hour hold. The sender 's account is mine, and the Coinbase account is my wife 's. My wife is also linked to my account.

Company Response:

State: AE

Zip: XXXXX

Submitted Via: Web

Date Sent: 2018-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2776623

Date Received: 2018-01-09

Issue: Money was not available when promised

Subissue:

Consumer Complaint: On XXXX XXXX 2017, i sold XXXX LTC which at the time was worth {$150.00}. As of now it has been 3 weeks since i sold the virtual currency and i still have n't received any form of payment.

Company Response:

State: GA

Zip: 30052

Submitted Via: Web

Date Sent: 2018-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2776620

Date Received: 2018-01-10

Issue: Money was not available when promised

Subissue:

Consumer Complaint: On XXXX/XXXX/XXXX I initiated a wire withdrawal from Coinbase. The transfer ID is XXXX The amount was for {$10000.00} USD Outgoing to XXXX XXXX XXXX XXXX The estimated payout date was XXXX XXXX - XXXX XXXX, XXXX UTC I have tried reaching out to the company through a support ticket but have not heard back. I am worried about my money.

Company Response:

State: GA

Zip: 30328

Submitted Via: Web

Date Sent: 2018-01-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2776582

Date Received: 2018-01-09

Issue: Money was not available when promised

Subissue:

Consumer Complaint: XX/XX/XXXX, XXXX - deposit $ XXXXUSD from personal bank into coinbase XX/XX/XXXX - receive email ( my email is XXXX ) that money will be deposited into coinbase account within 2-4 days XX/XX/XXXX - $ XXXXUSD withdrawn from personal bank XX/XX/XXXX - still no trace of money - transaction status states " pending ''

Company Response:

State: TX

Zip: 77084

Submitted Via: Web

Date Sent: 2018-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2776572

Date Received: 2018-01-09

Issue: Money was not available when promised

Subissue:

Consumer Complaint: Coinbase will not let me transfer any of the currency I have purchased ( I own BTC, LTC, BCH, and ETH ) through its platform anywhere -- not to other exchanges, not even to my own private wallet. I have tried to transfer each currency multiple times and each time Coinbase refuses the transfer saying that I need to upload an ID document before it can allow a transfer. Coinbase has already verified my identity sufficiently to allow me to purchase currency -- they even raised my purchase limit twice, first to {$2500.00}, then to {$10000.00}. But they wo n't let me access those funds, effectively freezing the funds I have deposited without explaining why or giving me any way to proceed. The problem is that I have uploaded my valid, Texas drivers license many times now ( each time using clear photos that conform to Coinbase 's guidelines ) and each time it is rejected without a reason approximately 12 hours later. Each time rejection comes with the error message : Failed : unknown response status. There is no guidance on the website explaining what this message means or how to remedy whatever problem is causing the rejection. Coinbase 's customer service consists of a chat bot, a recorded message, and an email account that does not respond to messages. I have repeatedly tried to contact the company through these avenues with no success. Coinbase encouraged me to deposit more funds with them but I would not have done so if I had known that they would be effectively frozen and inaccessible. If I had known about this issue I would never have used their service. They have rejected with no explanation every effort that I have made to fix this issue. The company offers no way to remedy the problem, as their customer service is illusory at best. This is fraud.

Company Response:

State: NY

Zip: 11206

Submitted Via: Web

Date Sent: 2018-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2776567

Date Received: 2018-01-09

Issue: Other service problem

Subissue:

Consumer Complaint: I was locked out of my Coinbase.com account on XX/XX/XXXX, with a very high dollar balance in the account due to losing my Authenticator. I called the company and was told incorrect information, I called again and was told to wait. My account was setup years ago, so there is a generic company name on the account. However the only way to unlock the account is to show an ID, obviously my companies name is not mine and does n't show on my ID. I have provided proof that I am who I say I am. They have told me to stop emailing them and every time I e-mail I am forced to wait longer. The account is still attached to my cell phone, and I know the password, I even am logging in from the same IP address. They told me they would assign this to a specialist two weeks ago, still nothing, and I can not inquire about the status because if so I am " penalized '' and sent to the back of the queue. The company has taken no actions to assist in resolving this issue.

Company Response:

State: CA

Zip: 946XX

Submitted Via: Web

Date Sent: 2018-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2776545

Date Received: 2018-01-09

Issue: Fraud or scam

Subissue:

Consumer Complaint: The Coinbase company states it has completed a payout to me of {$210.00} to my bank XX/XX/XXXX, which would be estimated to be in my account by XX/XX/XXXX. I have not received any money, email, or response to my 10+ email requests sent in to resolve the issue.

Company Response:

State: MI

Zip: 48038

Submitted Via: Web

Date Sent: 2018-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2776531

Date Received: 2018-01-09

Issue: Other transaction problem

Subissue:

Consumer Complaint: The company in question is XXXX / Coinbase. I transferred funds to XXXX using a SEPA transfer from the XXXX on XXXX XXXX. The funds were showing in my XXXX account 2 days later - converted from GBP to XXXX. Due to changing circumstances, I need to transfer the cash back immediately - again using SEPA. Everything is in place for this to happen - my account is properly linked, and the balance is clearly showing. When I try however, I get the error message 'Insufficient Funds '. I have n't bought or sold anything on the exchange, so the money has been sat in the same place since I transferred it. I get the same error message if I try to withdraw a smaller amount, or even to trade on their exchange using my funds. In short - despite showing the full balance, XXXX are not acknowledging that the funds exist. Please see attached screenshots of the balance, and error message. I have tried emailing XXXX and Coinbase support multiple times. They have only responded once - with a reply completely irrelevant to my query - I 've also attached a copy of this - other than that no response despite emailing 5+ times, and spending hours on hold for their support team, only to be hung up on immediately after connection. I simply want my funds back quickly. Given the ease with which I could set up an account and send funds TO the company - the difficulty I 'm having withdrawing those funds, or even getting a reply at all - smacks of fraud. If you can offer any help, it will be greatly appreciated.

Company Response:

State:

Zip: XXXXX

Submitted Via: Web

Date Sent: 2018-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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