Consumer complaint received 2021-12-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, I presented myself at the XXXX XXXX branch of Chase Bank, NA in XXXX XXXX, CA for the purpose of purchasing a money order in the amount of {$170.00} Chase Bank representative XXXX XXXX told me that both my checking and savings accounts had been liened with a Guardian lien by XXXX XXXX XXXX, but XXXX XXXX was not willing or able to provide me a copy of the lien notice, and instead referred me to the Chase Bank toll free service for further followup.

I contacted the Chase Bank toll free number and was referred to the Chase Legal Department. The Chase Legal Department referred me to the Chase Court Order Department. The Chase Court Order Department advised that Guardian Liens are only handled by a different department called the Guardian Lien department, and this department was only accessible by branch staff. 

I went back to XXXX XXXX, and she alleged she emailed the Guardian Lien Department on four different occasions but was not willing to call that department. I then spoke to her supervisor who said that I would have to get a copy of the lien notice and any other required info from someone other than Chase. 

I filed a FOIA request with the county information officer in XXXX XXXX, and the claims unit of the county counsel confirmed they had no case involving an XXXX XXXX XXXX. I have sent 3 letters to the XXXX XXXX XXXX XXXX XXXX to find out if they have a case, but so far haven't had a response. I am sending a 4th letter today to the probate department. 

The lien that was filed with Chase Bank is a fraud because only a judge can appoint a Guardian. I do not have a Conservator/Guardian, and I am not the subject of any litigation. NO one has served any legal documents on me. Additionally I do not reside in XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX would not have subject jurisdiction to hear such a case because I appointed an agent with a Durable Power of Attorney, and only my agent has the legal capacity to appoint a Guardian/Conservator. 

This thing about a Guardian Lien is a complete fraud. I request you assist me in recovering {$410000.00} plus interest. This is the figure provided to me on a statement that I was able to obtain from a branch in XXXX, CA recently. 

Also, be advised that Chase bank is now refusing to setup online banking on my account, either for these two accounts, or any other accounts. 
In the absence of producing a court order signed by a Judge showing a Guardian is appointed, Chase Bank has no legal standing to hold my money. There are three words that accurately describe CEO XXXX, and his XXXX XXXX XXXX XXXX XXXX XXXX 

Also, you should be aware that I filed a complaint with the Comptroller of the Currency, but historically there has never been a case where the Comptroller has ruled against a financial institution no matter how egregious the behavior. This is due to two factors : banking industry sending its own people to work in that agency, and the incestuous relationship between large financial institutions, and the federal government. 

My claim would be more appropriately handled by FDIC, and the FBI instead of the Comptroller 's Office, but they will need a thorough investigation by CFPB before they will pay out. Usually they merge weak institutions with healthy ones, and don't pay out anything, but in this case we are dealing with corruption, and fraud. 

No documents can be produced in this case because Chase won't release anything. The only thing I have a is a bank statement, and that I am attaching. And even then, it is only one.

Company response to consumer: Closed with explanation