I use chase and circle no issues. But I only buy, I don't sell my coins for deposit into my chase bank account. I think that's where people get into trouble is when they treat coinbase or circle like an exchange and frequently go back and forth BTC -> fiat -> BTC -> and so on.
how much have you bought ? more than 2k?
Nice try IRS. HAHA just kidding. But seriously I'd prefer not to disclose that information. Circle has limits, the most I bought at one time was 2 coins a few months back.