Consumer complaint received 2020-12-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On the day, XX/XX/2020 I came in to open a checking account with Chase Bank XXXX XXXX in XXXX NY. The personal banker that helped me was XXXX XXXX. She helped me open my checking account, apply for a Freedom credit card, and deposited {$1500.00} in cash and two checks. I asked XXXX if I was allowed to deposit two checks from my brother who resides in XXXX, but received 2 checks ( First check- XXXX and the Second Check was XXXX ) in a settlement and I wanted to deposit those checks into my bank account ( given he had given me permission ). She agreed and she deposited the checks. Around two weeks after this visit, my account was closed and I received a check of my {$1500.00} of cash I had deposited into my bank account, but did not receive the 2 checks I deposited. I went back to XXXX and she said she was not aware of why they closed my bank account. I received no written notice about the reasons behind why my bank account was closed. She made a few calls and told me that they closed it because they are investigating the checks since my brother was in XXXX. She said they would return the checks. However, she asked me to wait two weeks and get a notary note explaining that my brother gave me permission to deposit the check. I came back and gave her the notary letter that clearly stated that my brother gave me permission. She sent this off to Chase and told me again to wait. I spoke to another member at the bank, XXXX. He called Chase and he said Chase wanted more information and the notary letter was not accepted. Chase wanted to speak to my brother, but he is in XXXX and I asked if I could give them a number, but Chase refused to call an international number or give their number to my brother for him to personally call them. I went back again and XXXX said they needed more information although she agreed to deposit those checks for me in the first place. She claimed it was not her fault. Two weeks ago, she called XXXX XXXX to issue another set of checks and freeze the checks deposited with Chase. However, they declined because Chase Bank had already cashed in the checks. Again, XXXX told me that not to worry because Chase will give me back the two checks and to wait two weeks.Today, XX/XX/XXXX I went back and spoke to XXXX and XXXX. XXXX asked XXXX to call because she was busy. XXXX called and after the call told XXXX what XXXX XXXX ( the ones who issued the check ) had said to him. XXXX came over to me and told me that XXXX XXXX  wants me to sign and notarize the papers that XXXX XXXX  had sent them. However, she did not explain what these papers were and why I had to get my brother to fill out these papers. Later, I read the papers and it is claiming that Chase has claimed to XXXX that the checks have been fraudulently deposited. This is completely untrue as I have the notarized paper from my brother stating he has given me permission to deposit and use the money from the checks. I have his ID included within the documents which has been shared and copied by Chase Bank. They are clearly committing fraud at this branch and it is unacceptable.

Company response to consumer: Closed with explanation