Consumer complaint received 2023-12-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case number XXXX XXXX XXXX XXXX XXXX.. executive office XXXX XXXX.. chase XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank mgr Hello my name is XXXX. I'm writing you in regards to the dilemma I'm going thru with chase bank. I opened an account at Chase Sparks XXXX on or about XX/XX/XXXX. Chase bank in XXXX, NV located in the legends shopping center on XXXX XXXX XXXX XXXX, NV XXXX. I deposited two 3rd party checks from the government that we're in a friend of a friend 's name the first check was an income tax return in the amount of {$7300.00} and the second check was a stimulus check for {$1400.00} for a combined total of $ XXXXThe money was payment for a vehicle I had sold the acquaintance. We both went in the bank together as is that particular Chase branches policy. This was on Saturday XX/XX/XXXX. We showed our id 's to the teller I believe her name was XXXX there was also a young man by the name of XXXX who is also a bank teller who was present at the time of the transaction although I believe he went on a break after answering a question the young lady had asked regarding the transaction and third party procedure. The clerk inspected our credentials and preceeded to log in the deposits and handed me my receipt totalling {$8700.00}. She then to informed me that the funds wouldn't be available for about ten to fourteen days as it was a new account and the amount was a little high. I said I understood and we left. After waiting about a week or so I was asked to visit the branch with two forms of ID ( again ). They ( Chase ) also requested a bill that has my current address as I'm in XXXX  with XXXX ID problem is I had recently moved from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. Apparently Chase 's fraud department seemed to have an issue with that so I was asked to bring a current utility bill as well as my Identification card ( again ). I brought an XXXX XXXX XXXX  bill which was not excepted as well as a recent XXXX statement and neither document seemed to be good enough. ( Although I was told by the branch manager XXXX XXXX XXXX prior to coming in that the documents would be sufficient. ) I also provided Chase with a copy of my rental agreement and a few other items I had to back up the address change. The Mgr made a call to corporate came back and again I was told I needed send them via email. I was also told to send them in the form of a P.D.F. ( which didn't work by the way ) because a jpeg wouldn't work. All of my attempts were being denied. I contaced the issuing bank to see if the issue could be resolved by them I was informed that the checks were deposited on the XXXX and cleared on the XXXX of XX/XX/XXXX and there wasn't anything they could do on their end since unless it was fraud. A few days later I tried at a different location. Chase bank located at XXXX XXXX XXXX XXXX XXXX, NV XXXX. I once again sent them a PDF of a of a bill I had online. I was told by the bank manager ( XXXX XXXX ) that the bank had decided to close my account and I would be receiving a check in the mail for my remaining balance of {$8700.00} minus any fees within ten business days. I waited and waited for months all the while not receiving any type of correspondence from Chase. I contacted Chase corporate office on XX/XX/XXXX and was told that unless the person that the checks were issued to and myself come into the bank together ( again ) and show our iD 's again they would be keeping the money indefinitely. I then filed a complaint with the CFBC case # XXXX - XXXX. I was told that the bank was going to try and resolve the issue and there investigation was concluded. From there I spoke with Chase executives agent named XXXX and was told the same thing about me finding the checks owner and both of us were to come in to a Chase and give two forms of ID for verification. I told her that was impossible because I had no was to find him because it was a business transaction and I had no contact with him at all and he wasn't in the state or this country for all I know. XXXX said unless that happens Chase would keep the money and in a year they would send it to the state of XXXX as unclaimed and I would have to talk to the state. I waited for a year. A year later I contacted the state of XXXX and was informed that the state hadn't received anything from Chase. I contacted Chase and Chase has been giving me the run around ever since. I brought the forms that were requested and did everything on my end I was able to do including looking for the man I sold my car to. I've done alI I could do only to call today to see about my money. Again I was told I needed to find the person I had sold the car to ( A person whom I barley know and have no contact with whatsoever who doesn't even live in the state of XXXX or this country to my knowledge ). To go to a Chase bank at the same time to verify ID. They even asked for proof of address from me. The very thing that got my account closed in the first place. Anything less than that Chase would be keeping my funds indefinitely. I can't believe that I was told to bring in something for address verification for a closed account let alone that Chase would be keeping my money indefinitely. Now here it is nearly three years later and I still haven't received my money. Please help my phone number is ( XXXX ) XXXXmy account number is was XXXX. Any help would be appreciated. Thank you for your time. God bless. 

The following is a list of dates as well as Chase employees spoken to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Case number XXXXXXXX XXXX XXXX XXXX  ... Chase XXXX XXXX XXXX ( 3 ) XXXX XXXX. Chase XXXX XXXX XXXX XXXXs XXXX nv XXXX XXXX XXXX XXXX XXXXXXXX ( Bank Mgrs ) XXXX XXXX ... XXXX ... XXXX XXXX ( bank tellers ). ( Bank Mgr ) XXXX ... XXXX XXXX XXXX XXXX... XXXX NV XXXX XXXX XXXX ( Bank Mgr ) ... / XXXX ... ( bank mgr ). 

Thank you for your time and assistance in this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation