Complaints

This profile includes complaints for Evolve Bank & Trust's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Evolve Bank & Trust

  6000 Poplar Ave Ste 300 Memphis, TN 38119-0928

  
• 

  Evolve Bank & Trust

  6070 Poplar Ave Ste 200 Memphis, TN 38119-3910

  
• 

  Evolve Bank & Trust

  220 Continental Dr Ste 208 Newark, DE 19713

• 

  Evolve Bank and Trust

  111 E Huntington Ave Jonesboro, AR 72401

• 

  Evolve Bank and Trust

  PO Box 1003 Wynne, AR 72396

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/15/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Since May 2024, Evolve Bank, has froze our accounts because the middle man Synpase filed for bankruptcy, this scam of a bank has claimed they didnt have my funds, after their so called reconciliation. When pressed on the issue as to how they were able to freeze my account if they didnt have money, they admitted that at they froze the account, they were holding "some of my money" when I asked where that money is? I heard nothing from them. They ended up mailing me a transaction history in December which showed, they illegally transferred money to Synapse between October to December of 2023, and also received transferred money back into my account from Synapse during that time period. They received more money from ******* into my account that what they illegally transferred out, the transaction history also shows an ending balance with them. When asked about the unauthorized transfers between them and Synapse, along with my balance that is actually showing with them? These cowards did not respond, instead they emailed me another transaction history 5 months later, with the same transactions on it as the previous one but with a different ending balance, which shows that this fraud of a bank has been manipulating numbers to show they owe less than what they actually do, to end users. I have sent them several emails since, and called them multiple times, but they refused to answer. This fraudulent bank has been pointing fingers at other partner banks while their own transaction history shows they have my money. My debit card, bank account and routing number lead to evolve bank, deposits were accepted by this sorry excuse of a bank, and bills were paid using their debit card and routing number, but they have the audacity to point fingers at other banks when called out on their lies. Evolve bank needs to be investigated, closed down, with everyone involve this scheme arrested, put to prison with their assets seized.

  

  Business Response

  Date: 07/16/2025

  Evolve Bank & Trust has hired ********************* to lead the Synapse reconciliation disbursement process. Please contact Rust at *********************************************** for questions related to the Synapse account reconciliation.
  

  Customer Answer

  Date: 07/16/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept their proposed resolution.

  
  Sincerely,
  
  N S

  , UT 84119

  
  

• Initial Complaint

  Date:07/14/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Disputed Refund Not Received Despite Merchant Confirmation Unresolved for Over 30 Days ?? Complaint:> I am filing a complaint against Evolve Bank and Trust (**** Banking) regarding an unresolved refund for a fraudulent charge totaling $184.10. Despite being told by both ******** and ****** Play that refunds were successfully processed back to my card ending in 6566 (now deactivated), I have not received any funds.******** stated the refund was processed on June 18, 2025 and ****** on June 21, 2025. My dispute was closed by **** on June 27, based on ******** claiming the charge wasn't fraudulent, even though I provided written confirmation from ******** that they had issued a refund.I never completed or signed the official dispute paperwork from ****. I informed them by phone that I wouldnt proceed because the merchants were refunding me. Yet they continued the dispute anyway, canceled my card, and then denied the claim. Later, I provided screenshots of the refunds and was told this reopened the dispute. Then, I was told by another *** that it had not been reopened unless I ***lied to a different email entirely.Ive now contacted multiple departments, including supervisors, and nobody has provided proof of where the funds are. I was also told the refund couldn't be processed back to a deactivated card, then told by another *** that it could. At this point, Ive lost over 30 days of access to my funds and spent numerous hours trying to resolve what should be a straightforward matter.I need an immediate resolution and refund, along with full accountability regarding:Why my refund has not been received.Why the dispute was closed despite no formal paperwork submitted.Why the transaction IDs provided by the merchants mean nothing to ***** team.Why Ive been given contradictory information at every step of the process.

  

  Business Response

  Date: 07/21/2025

  Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through ****. We requested that **** research the circumstances of the complaint. Please see their response below. Any further questions should be directed to **** directly as they are the party responsible for handling disputes.   

  Ms. ****-**** wanted to know why the dispute was denied and not resolved in her favor. She sent the information needed and she has not received a response yet. After taking a look into the account we could see that the dispute has been denied but member was educated about how the appeal process works. 
  

• Initial Complaint

  Date:07/14/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Several years ago I was Using **** Bank as my bank which is part of Evolve Bank and Trust. When money started disappearing from the account. At one point it was between 500 to 1000 dollars. I disputed the charges and **** Bank ruled against me and let the person hate the money. I recently talked to ***** pay on the phone and discovered someone had all my account numbers and debit card information including **** Bank.

  

  Business Response

  Date: 07/14/2025

  In order for Evolve to provide any assistance, we will need additional information. Please provide more details of your complaint. We would need details with your dates, we would need account deals for ****. Last 4 digits to card or account number. 

• Initial Complaint

  Date:07/09/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im an **** driver and one night a ride request came in like normally would I match it and I head to the pick up location when I got there the rider wasnt showing up so I txted the customer through the app like normally asking if they still needed my service so I can go and move on to another ride as soon as I sent that txt to the customer I got a call through the **** app and the person I was on the phone with said to me that they are with **** and they have been receiving a lot of complaints about rides not showing up so that ride was a verification so I said okay that make sense so as I was going to hang up the phone the agent said that I have reach a milestone while Im always to 500 rides and Im up for promotion so I was like oh great cause I needed money for bills that week so I didnt really put 2 and 2 together so he asked me few question like how is the night going and if I was getting laid throug the **** pro card app which is how we get paid the **** pro card is like a debit card for drivers so I said I get paid with the u er pro card and he told me he was going to help me with my promotion to move the money into my account he had me go I. The **** pro card and I moved the money into a card he said that was the card the money will be coming out from so I did everything we said so at the end he sent me a link to verify that the money is in my account so I went the press the link and when I did he hung up on me and I went back to check my account to see if I got the money and all my money have made in 2 weeks was gon I reached out to **** they said it wasnt their problem and I should call branch which is the **** pro card issuer I called told them what happened and they said I took the money my self with biometric form and they wont give me anything for they dont see anything wrong or someone taking my money so they wont compensate me for the lost of the scam I have tried everything they said I took the money my self and wanted to get more

  

  Business Response

  Date: 07/14/2025

  Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through Branch. We requested that Branch research the circumstances of the complaint. Please see their response below. Any further questions should be directed to Branch directly as they are the party responsible for handling disputes.   

  Hi *******,

  Thank you for reaching out. Our support team reached out to you regarding your dispute. The dispute was found not in your favor. The reasoning and evidence were sent to you. At this time, we consider the case closed.

  Customer Answer

  Date: 07/14/2025

  Like I said the card I have on file was not where the money if I used biometric myself the money would have went to that card that I have on file could you provide the card information that the money went tonight? Cause I cant 

  Customer Answer

  Date: 07/14/2025

  Again the person that call me called through the **** app which is the form of communication with passengers and drivers seem like yall are doing some type of scam cause I will not give my number to a scam to scam me the call came from the **** app I DID NOT USE ANY BIOMETRIC SYSTEM TO SEND ANY MONEY TO ANY ONE I DID NOT AUTHORIZED ANYONE TO TAKE MONRY FROM ME 

  Customer Answer

  Date: 07/14/2025

  Yall allowed scammer to breach your system that not my fault I didnt authorized any transactions that night it was taking with out my knowledge 

• Initial Complaint

  Date:07/07/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was using the **** app to save my money and someone fraudulently stole my money from my account. I did 2 disputes that they just closed didnt even investigate my claim. My money was fraudulently stolen and they give no help in retreiveing my money. They should protect customers from fraud and they dont.

  

  Business Response

  Date: 07/11/2025

  Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through ****. We requested that **** research the circumstances of the complaint. Please see their response below. Any further questions should be directed to **** directly as they are the party responsible for handling disputes.

  Mr. ******* reported some transactions that were not authorized and were not refunded back. Upon checking it seems that member's dispute was denied so we educated member about the appeal process and to send documentation to support the claim.
  
  

  Customer Answer

  Date: 07/11/2025

   
  Complaint: 23565313
  
  I am rejecting this response because: i didnt make these fraudulent charges and i dont understand what they want i dont know how it happened they should protect against this. I dont have what they want its not fair
  
  Sincerely,
  
  ****** *******

  Customer Answer

  Date: 07/22/2025

  This is not fair this fraudulent activity wasnt me and they should protect there customers from issues like these. I ************************ my money to be safe with **** bank but they dont care about there customers. ******** customer service and they dont help at all. I would never trust my moneh with them again and anyone should know that 

• Initial Complaint

  Date:07/04/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a bank account with ************ ( sub account of ***********************. My account was suspended for compliance issue. Mercury sent me check which i was not able to cashout because it was sent to my old address and i had moved bank to my country. I have been emailing mercury for last 1 year to reimburse my funds through wire or ach but they are not responding to my emails . My mercury email is ******************** My evolve bank account number where my funds are stuck is ********** and routing number *********. I have sent mercury last email on 3rd july mentioning my bank account and routing number where i want my funds to be disbursed. Please help me

  

  Business Response

  Date: 07/11/2025

  Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through Mercury. We requested that Mercury research the circumstances of the complaint. Please see their response below. Any further questions should be directed to Mercury directly as they are the party responsible for handling disputes.   

  Dear *** ******,

  
  *************************("Mercury") is in receipt of the complaint filed with the Better Business Bureau ("BBB") and received on July 7, 2025. Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners. We have reviewed your complaint and understand that you are requesting the remaining balance from your closed business account be returned via ACH or wire transfer, due to the **** address on file no longer being accessible.
  
  On May 29, 2024, you were notified that your account would be closed following an internal review. At that time, you were informed that any remaining balance would be disbursed by check to the address associated with your account.
  
  On October 28, 2024, Mercury responded to your request to have the check reissued and confirmed that it had been reissued to the address on file, with an estimated delivery timeframe of 7 to 10 business days. You acknowledged this communication and expressed appreciation for the assistance. After that response, you submitted additional requests through legal counsel, email, and social media, seeking to have the funds disbursed via electronic transfer.
  
  As of July 10, 2025, a check in the amount of $109,393.87 was reissued and mailed to the address on file: ***********************************. A receipt confirming this transaction is enclosed for your reference.
  
  While we recognize this may not align with your preferred method of disbursement, Mercury is unable to offer alternative delivery methods. We consider this resolved and this will be our final communication regarding this matter.
  
  Sincerely,
  Mercury Customer **********************

  Customer Answer

  Date: 07/11/2025

   
  Complaint: 23557486
  
  

   

  I acknowledge receipt of your communication regarding the account closure of **************** and the subsequent issuance of a check for the remaining balance of $109,393.87.
  
  
  However, I must respectfully reiterate that the address youve sent the check to ************************************ is no longer accessible to me. As a non-U.S. resident and non-citizen, I

  am unable to receive or deposit a physical check issued within *****************. This fact has been clearly communicated on multiple occasions, along with formal requests for the funds to be disbursed via ACH or wire transfer both of which are standard, secure, and legally acceptable alternatives.
  
  
  I find it deeply concerning that Mercury, a modern financial technology platform, refuses to accommodate a legitimate disbursement request from the rightful account holder due to inflexible procedures. This not only creates undue hardship but effectively withholds access to a substantial amount of funds without offering a viable solution which I believe could raise serious regulatory and consumer protection concerns.
  
  
  Given that Mercury has indicated this is your final communication, I will now be escalating this matter to the Consumer Financial ***************** (CFPB), ******, and other appropriate regulatory bodies. I will also be consulting legal counsel to explore any legal remedies available for recovering my funds.
  
  
  I remain open to resolving this matter amicably and request, one last time, that ******* reconsiders its position and disburses the funds electronically to the verified bank account previously provided.
  
  
  
  Sincerely,
  
  Zain Arshad

  

  Business Response

  Date: 07/22/2025

  Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through Mercury. We requested that  Mercury research the circumstances of the complaint. Please see their response below. Any further questions should be directed to Mercury directly as they are the party responsible for handling disputes.   

  Since no new information has been presented, Mercury's response remains the same. 

• Initial Complaint

  Date:06/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On September 4, 2024, Evolve Bank and Trust opened a secured credit card account in my name without my authorization, knowledge, or consent. I discovered this unauthorized account when reviewing my credit reports and found a secured credit card listed under Evolve Bank and Trust that I never applied for or authorized.

  

  Business Response

  Date: 06/30/2025

  In order for Evolve to provide any assistance, we will need additional information. Please provide us with your  ******* partner's  information, account number, and card number  

  Customer Answer

  Date: 06/30/2025

  ******* partner's information: Step App

  Account number: ****************

  Card number: N/A (never received a card)

  Customer Answer

  Date: 07/01/2025

   
  Complaint: 23531680
  
  I am rejecting this response because:******* partner's information: Step App
  
  Account number: ****************
  
  Card number: N/A (never received a card)
  
  Sincerely,
  
  *** ***

  

  Business Response

  Date: 07/11/2025

  Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through Step. We requested that Step research the circumstances of the complaint. Please see their response below. Any further questions should be directed to Step directly as they are the party responsible for handling disputes.   

  Thank you for reaching out regarding the Evolve Bank and Trust secure card on your credit report. We take these claims very seriously, and after review, our team has found that you opened a Step account on September 4, 2024, where a Step secure **** credit card was activated. As a reminder, your Step card is issued through our banking partner, Evolve Bank & Trust, Member FDIC. This card is reported to the bureaus and may appear under the name Evolve Bank & Trust vs "Step." For more information on your ********* card, check out our Step card agreement on our website here: ****************************************** If you have any additional questions, please don't hesitate to contact our support team directly at ************** for assistance.
  

   

  Best,
  The Step Team

  Customer Answer

  Date: 07/11/2025

  Hello,
  Thank you for your response regarding my complaint. I would like to clarify that while I did download the Step app and set up an account, I did not apply for, authorize, or consent to the issuance of a Step *********** credit card. I was surprised to find this account on my credit reports, as I never requested or agreed to open a credit card account.
  I respectfully request that you promptly remove this unauthorized account from my credit reports and confirm the resolution in writing. Please let me know if you require any further information from me to expedite this process.
  Thank you for your attention to this important matter.
  Sincerely,
  *** ***

• Initial Complaint

  Date:06/25/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Mortgage payment is $1314 monthly, pay thru automatic payment plan with Evolve. Junes mortgage was $1914 (not authorized). Called Evolve 6/4, spoke to **** who stated the extra charge was for escrow to cover an anticipated $6,200 property tax payment for 2026. Actual taxes paid by Evolve in Dec was $2,300. I did receive the higher tax bill because in Dorchester county homeowners must declare property is for personal use, not a rental. **** stated the $6,200 was paid but then refunded (not true, I checked with the county). She stated, after talking to whoever, Julys mortgage would be $1314 but I would not get back the extra $600 incorrectly charged to me. I get Julys statement and its for $1,934, as if the 39 minute phone call I made never happened.

  

  Business Response

  Date: 06/26/2025

  Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through Evolve's Mortgage. We requested that Evolve's Mortgage research the circumstances of the complaint. Please see their response below. Any further questions should be directed to Evolve's Mortgage  directly as they are the party responsible for handling disputes.   

  Attached is the payment history and then  2 escrow analysis, one was effective 6/1/2025 and the other effective 7/1/2025.

  Payment History: taxes in the amount of $6,187.95 were disbursed on 12/23/2024. There was a tax refund in the amount of $3,775.09 that posted 1/8/2025. 
  
  Both escrow analysis reflect the projected taxes to be paid at the higher amount of $6,187.95, the system is now reflecting the reduced amount of $2,412.86. 
  
  Requested a new analysis and it has been completed, new payment starting 7/1/2025 will be $1,458.04.  This info will also be sent to the borrower via USPS. 
  
  In regards to the June payment not being authorized, the customer was on auto pay and cancelled it on 6/3, the June payment posted 6/2.

   

• Initial Complaint

  Date:06/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ive repeatedly called customer service and none of the agent can assist me with a error. Ive put in a number of disputes.Problem 1. My Final Verified Balance:From your transaction list:Starting balance: $600.00 After 45 debits and 5 credits Final correct balance: $***** 2. Banks Reported Balance:$***** 3. Discrepancy Calculation:***** - (******) = ***** + ***** = ****** So, the bank is showing the balance as being $****** lower than it should be.4. What This Could Mean:This kind of error could result from:A missing credit:One of your $66.39 credits may not have posted correctly (you had two of them). Related to the dispute back in October 24, 2024. A duplicate debit:One of the debits might have been charged twice (e.g. the $92.83 or $69.96). This supports that original dispute. A hidden fee or adjustment:The bank may have applied a fee or manual correction not visible in the list you have. Also supports original dispute. A posting error:Its possible a transaction was misdated or misapplied, throwing off the balance.

  

  Business Response

  Date: 06/30/2025

  Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through Branch. We requested that Branch research the circumstances of the complaint. Please see their response below. Any further questions should be directed to Branch directly as they are the party responsible for handling disputes.   

  Hi ******,Thanks for reaching out. Branch support reached out to you regarding the ending balance. A dispute you filed was decided not in your favor, ultimately debiting the account for the provisional credit. Branch reviewed the claims made and stands by the ending balance as correct. We apologize for the inconvenience this may have caused.

• Initial Complaint

  Date:06/21/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 6/21 I was in the **** app and got a phone call from someone pretending to be **** support and I only gave her the make and model my car and my phone number. She instructed me to identify myself with an app because there have been multiple complaints on my app about me not being who I say I am.Every action occurred within the **** app and the **** pro card app. I did not give her any bank information. The **** pro card is unfortunately designed to automatically withdraw all of the money in your account. Within an instant, all of the money in my account was sent to this new card and I have lost $626.89.I have sent in a complaint to the attorney general and the ***

  

  Business Response

  Date: 06/30/2025

  Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through Branch. We requested that Branch research the circumstances of the complaint. Please see their response below. Any further questions should be directed to Branch directly as they are the party responsible for handling disputes.   

  Thank you for reaching out. Our support team has followed up with you directly. Your dispute filed 6/23/25 was reviewed and decided not to be in your favor. The evidence and communication were sent to you on 6/23/25. With no further information or documentation, Branch considers the matter closed. 

  Customer Answer

  Date: 06/30/2025

   
  Complaint: 23502260
  
  I formally reject the response submitted by Branch and Evolve Bank & Trust. Their reply fails to address the systemic negligence and procedural failures that enabled my identity to be exploited through the **** Pro Card platform. Both entities are relying on a flawed presumption of consent based on Terms and Conditions that were agreed to under fraudulent and coercive circumstances, rendering any contractual obligation void under federal and state contract law.

  
  Their Terms of Service are being used as a legal shield to absolve them from liability, despite the fact that:
  Consent obtained under deception or duress is not legally binding (see Restatement (Second) of Contracts 174-177).

  
  The Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. 7001) requires that consumers have a meaningful opportunity to review and understand electronic terms prior to agreementthis was not possible in my case due to fraud.

  
  *****-*****-****** Act (15 U.S.C. 6801) and FTC Safeguards Rule (16 CFR Part 314) obligate financial institutions to protect consumer data and investigate breaches. Their failure to properly investigate and act on red flags violates these standards.

  
  Under the Consumer Financial Protection Act (12 U.S.C. 5531), their practices may constitute unfair, deceptive, or abusive acts or practices (UDAAP), especially in relation to gig workers who are funneled into their financial products without adequate support or safeguards.

  
  Furthermore, by allowing access to and transactions within an account that was compromised using my photo ID and other biometric identifierswithout validating my physical control or informed authorizationBranch and Evolve have failed their duties under KYC (Know Your Customer) and anti-fraud protocols under the Bank Secrecy Act (31 U.S.C. 5318).

  
  Their system failures and refusal to escalate the matter indicate a deliberate effort to offload liability onto a victim. No adequate remediation, reimbursement, or independent review has been offered.

  
  I again request full restitution of lost funds and a formal reassessment by a neutral investigator. I also request this matter remain open with the BBB and be forwarded to the Consumer Financial ***************** (CFPB), FTC, and appropriate state and federal financial regulatory bodies for further review.
  
  Sincerely,
  
  ***** *******