Consumer complaint received 2023-05-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I am writing to file a formal complaint against XXXX XXXX XXXX, a banker at Chase Bank located in XXXX, Illinois. The purpose of this complaint is to seek your assistance in rectifying the negligent actions of XXXX XXXX, which have resulted in severe financial hardship and inconvenience for me. On XX/XX/2023, I opened a Chase College Checking account at the aforementioned branch. I diligently provided all the required documents, including the SSA-89 form for verification of my Social Security Number ( SSN ). Regrettably, XXXX XXXX failed to upload this crucial document, leading to the suspension of my account on XX/XX/2023, due to alleged suspicious activity. In an attempt to rectify this issue, I made multiple calls to Chase Bank 's customer care. Unfortunately, each interaction with their representatives only compounded my frustration and aggravation. During my first call, the customer care representative had no knowledge of the situation. On the second call, I was transferred to another representative who promptly disconnected the call. The third call entailed an excruciating wait of over an hour, with no response from their end. Finally, during the fourth call, I was instructed to visit the branch in person to resolve the matter. As a XXXX at the University of XXXX at XXXX ( XXXX ), my time was already limited due to ongoing final examinations. Despite the inconvenience, I managed to visit the branch and resubmit the SSA-89 form as requested. Another banker at Chase Bank assured me that the form had been submitted but advised me to contact a specific number to confirm if the document had been uploaded for verification purposes. Subsequently, I contacted the provided number and was informed that the form had indeed been submitted. However, due to the bank 's internal processes, the account unlocking and verification process would require an additional two business days. This delay is causing significant distress as I was scheduled to leave the country on Tuesday XXXX XX/XX/2023, and I require immediate access to my funds but due to banks negligence and unable to unlock my account I had to extend my flight and had to borrow money from friend in order to extend my flight due to my funds being blocked I am unable to leave the country as I am in urgent need to my funds. Despite being assured that my account would be verified within two business days, specifically on Tuesday, XX/XX/2023, I regret to inform you that my account remains blocked. Upon further inquiry with the customer care department, I was informed that my initial request for verification had not been submitted. They have now told me that the request is being processed and an additional 48 hours will be required to unlock my account.The negligent actions of XXXX XXXX XXXX have resulted in severe consequences for me. As a XXXX with limited financial resources in a foreign country, I am facing undue hardship and distress due to the mishandling of my account by XXXX XXXX. Therefore, I kindly request that the consumer financial protection bureau thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX and Chase Bank to rectify the situation promptly. I am seeking immediate access to my blocked funds, compensation for the financial losses and Inconvenience and Emotional Distress I have faced. I would also need assurances that such negligence will not be repeated in the future. I would appreciate your prompt attention to this matter and an update on the progress of the investigation. You can reach me at the contact information provided above. Thank you for your assistance in resolving this issue and protecting the rights of consumers. 

customer care number of chase I am being contacting - XXXX XXXX XXXX

Company response to consumer: Closed with explanation