Don't blame Coinbase exclusively. There is a small chance of your bank being the culprit. Some banks see the money is coming from a cryptocurrency exchange or from a correspondent bank which has flagged the transaction as high risk. Your bank will then refuse to credit your account with those inward funds. What they then do is hold the funds in a suspense account while they do internal check on the source of funds or even a discreet AML investigation. They won't tell you about it. It's all behind the scenes and the purpose of the non-disclosure is to prevent you from doing something that might materially affect the outcome of their investigation. Now this is one situation to consider if you definitely see a "settled" transaction descriptor on your Coinbase account.

It's either your bank or Coinbase. Nothing in between. So you can narrow down the blame to both. If it's not your bank, then Coinbase might have marked the transaction as settled but has still not executed the transfer. Some payment processors execute wires in time (or even day) specific batches for cost reasons. Now you mentioned 12th December so you can conclusively exclude this assumption.

Try contacting your bank and ask if they can check for inward wires on your account. If they can't help, then you will need to wait for Coinbase to address and resolve the issue.



That's useful information.   I will check with my bank.   

Are there are any exchanges out there that can really be trusted?