Consumer complaint received 2022-04-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Jp morgan Chase bank illegally froze my child 's XXXX income. XX/XX/2020 I noticed a legal fee for {$100.00}, and over {$1000.00} missing from my account via Chase Banking App. 

I called the bank at XXXX est. to report fraud and they told me my account was frozen, there was a court order, and they didn't have any details about it ; that I should call the court officer. They gave me the court officer name and phone number. 

They told me that the {$100.00} legal fee was for them to process the hold on my account. I told them to return the legal fee to my account because that fee or amount was not in my banking contract I signed at the branch when I opened this account XXXX ago. I also told her that I didn't give them permission to tell anyone about this account except for their affiliates who are JPMorgan Chase XXXX, and it was a breach and violated the terms of privacy! I asked her how did the court know I had this account, because this was a prepaid account and my credit was not ran when I opened this account XXXX ago!! She had no explanation and promised that the {$100.00} legal fee would be refunded back to my account. She then told me that {$390.00} and {$1000.00} of my money was frozen on hold. 

I called the court officer at XXXX est. they didn't answer I left a message telling them that the money was my child 's XXXX checks and it had to be put back immediately! 

I called Chase back again at XXXX est. I asked the representative ; who job was it to put the hold on my account. She said she didn't specifically know. I asked her " if they looked through my account '' she said, No they don't look through our account. I told her well someone didn't do their job correctly because they was supposed to go back atleast 2 months and if they would've went back 9 years they would've known that accont only holds my XXXX child 's Social Security benefits, no other incoming deposits. She said they don't look through our accounts they just do what the court order. I told her put the mother XXXX money back they can't take money from a XXXX child under the Social Security Act. ( ( Section 207 of the Social Security Act ( 42 U.S.C. 407 ) protects Social Security benefits from garnishment, levy or other withholdings by the federal government ) ) she said it's nothing they can do call the court officer, and I hung up the phone on her as. 

The Court Officer assistant called me back XXXX est. I told him taking that money is a violation of the Social Security Act. ( ( Section 207 of the Social Security Act ( 42 U.S.C. 407 ) protects Social Security benefits from garnishment, levy or other withholdings by the federal government ) ) and She told me that I was correct and the bank have to reverse the hold because of the XXXX and it is illegal to hold that money. She also told me that her office nor the alleged debt collector has access to my bank account info, that the bank is supposed to go back 2 months into my statements to see where the money comes from. In which I told the bank this in our previous phone call. 

I then called Chase back at XXXX and explained everything that the Court Officer who they told me to call, had confirmed. The representative said she would put a note on the account and I should hear something back from them in 1 business day. I told her that The money has to be available in that account today! I never heard back from Chase, the {$100.00} was not refunded and the account is still frozen, also my child 's savings account is frozen too.

Company response to consumer: Closed with monetary relief