Consumer complaint received 2023-07-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Monday, XX/XX/2023 I received my paycheck from my employer. I then used Chase Bank online deposit like I always do to put the money into my bank account. The check was accepted and was I told that I would receive {$400.00} of my check instantly ( which I did ) and the other half of the {$900.00} the next day, Tuesday. While on the app that Monday night I saw that my Chase bank saving account was opening and told myself that when the check completely clears I will put {$400.00} into my savings. When I woke up the following morning Tuesday XXXX XXXX, I saw that my full check was cleared and my savings account was no longer showing up. And I understood why, because I didnt have anything in it for a while. So right away I went to apply for a savings account again. I think maybe 30 minutes or an hour later I got an email saying that my request for a savings account was denied I thought to myself that they denied it because it was too soon after to get a new one when my old savings account was just removed. That same day I went about my day, until I went to go check my checking account on the Chase bank app to see that they were not letting me in and that my account is locked due to suspicious activity. I went to XXXX to see if anyone was going through the same things and maybe it was just a glitch in the Chase banks system. When I went online I saw that they were having a system crash and people couldnt send or receive money. I then called the number that kept popping up every time I tried to log into my account. Right away someone picked up and told me that she/he could not help me because Chase bank entire system was down, and to call back in two hours. Two hours went by and nothing was fixed. I did figure out that just because I couldnt log into my account doesnt mean that I couldnt use my card. I used my card a couple of times that same night. Finally i came home and tried calling again to see if they could fix my account. This women picked up and told me that the suspicious activity was me trying to open a savings account. She didnt sate why that was suspicious though, only asked if that was me and when I confirmed that it was she gave me access to my online banking and approved the request for my savings account even though I didnt apply for another after I was denied earlier that morning. Everything with my account after that was great. I got to put the {$400.00} into a savings like I wanted and could see my bank statement and balance again. The next day Wednesday XX/XX/2023, I had no issues the whole day. Fast forward to today, XX/XX/2023, around XXXX I went to go log into my Chase bank app and the same thing popped up like it did two days prior, on Tuesday. I thought the bank was having another problem again and that all I needed to do was go call them and they could fix it as easily as last time. When I called I was transfer to another department and was told that my account would be closing permanently and they dont know the reason why. This representative that I was talking to said that it showed in my account that I applied for a SBA loan. That was not me. I have never applied for a loan in my life. When i looked up what SBA meant it said its for loans for small businesses. I dont have a small business. I then went to a Chase bank in person right after and the manger there was nice but was unable to help me find out why my account is being closed for good. I was also told that I couldnt take my money from my savings and checking out right then and there, that I have to wait a couple of weeks for a check in the mail with my money. But while there the manger and the lady she spoke to on the phone didnt mention anything about a SBA loan that the first representative that I talked to first on today. So being confused and emotional because no one was telling me anything and I wasnt getting my money I left the Chase bank near my house and called to talk to a representative again to get more information about this SBA loan that Ive never heard about before. When I talked to this representative she didnt even want to tell me that my account shows that someone tried to get a SBA loan like the other representatives did. So now Im confused as to why the first guy I talked to today told me about this loan but when I called again to get more information on that she didnt even want mention that loan and said she couldnt tell me if she even saw the Lon attempt on my account.

Company response to consumer: Closed with non-monetary relief