Consumer complaint received 2022-04-25
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
JP Morgan Chase has become too big for its britches. DO NOT BANK THERE. This institution which calls itself a " Bank '' shut down my Checking account because they assumed I had been hacked when I wasn't, ( and according to my local police department - also. ) YET, I HAD TO PAY THE PRICE FOR THAT WITH NO APOLOGY FROM CHASE. 

Do any of you KNOW what its like to have to re-open a new Checking account? Then, they shut my accounts down completely and STILL haven't paid me my balance in full. I had been a customer for over 3 decades. How STUPID is this Chase Bank? Having to recover from having a Checking Account shut down is like committing to an alternate full-time job for weeks, also! The Bank then stated that there was an investigation going on. OOOoooo! They NEVER followed up with me, " the Client '', regarding the result of said investigation and ran me through the mud, bouncing me from department to department every time I called THEM to find out what was going on with my account ( s ). They decided to issue me a NEW Checking account ( they charged me for new checks!! LOL!! Can you imagine?? Late fees, etc. etc. Got Chase? Got fees. Period. ) A good deal of their employees are either incompetent or outright nasty - especially if you are unknowingly forced to contend with the Fraud & Loss Prevention Department as I was. But WHY? Chase doesn't want to answer that. 

And LET 'S JUST SAY Chase 's Customer Service is NOT what it used to be. But it gets even better. After I had recovered XXXX XXXX XXXX, basically, from the FIRST Checking account shut-down.. JP Morgan Chase shuts down ANOTHER one of my Checking Accounts. I was at my local store and suddenly, with NO advanced notice or EXPLANATION as to WHY ... my Chase debit card wasn't working so I tried my Chase Amazon Visa - that wasn't working either. And there were at LEAST 12 people standing around me. It was awful. Luckily I had cash. 

The AUDACITY to close ANOTHER Checking Account of mine!! Again, without explanation!! I was FORCED to go through the process of opening a new account AGAIN!! And THEN to say that " Our relationship is over '' In other words, that they, " Chase '' no longer want me as a client? And " Ohh, we are ALLOWED to say that due to the terms and conditions of our contract! '' ( XXXX XXXX XXXX ) I must have made a hundred calls at this point. My time? I'll never get it back. Absolutely wasted. I made a complaint against an Employee who happens to be XXXX. She NEVER does any work. It's always an alternate employee who now works in XXXX XXXX. Anyway, she was the ONLY GOOD THING about the Bank.. 

SO going forward, I was receiving ALL SORTS of conflicting information from Chase 's incompetent employees about whether or not I COULD bank again with Chase suddenly. You know, after my complaint with XXXX XXXX Branch Manager. I even question THE REASON WHY now they ousted me in the first place. I was forced to walk into her Branch ( another miscommunication by Chase Bank ... communication at an ALL-TIME LOW ) and she snidely mimmicks my name XXXX XXXX XXXX XXXX XXXX XXXX with an attitude, " No '', she says ( even under the circumstances ) " I can not expedite your request to have your account re-opened, - sorry. '' Really NOT sorry. Really?? Really?? Branch lady who never lifts a finger? Not even after I raced into your Branch last year and told you that I had an " XXXX??!! '' and you continued walking right past me to help an " ATM Client '' who never even showed up at your booth?? I could have been having a XXXX XXXX XXXX Find out the NATURE of the emergency. Perhaps? 

It's called getting a paycheck for doing absolutely - nothing. " Ohh, I'm sorry she was the only Banker here - We can not help you now. '' XXXX. ( My family and friends LOVED that story and they also love this one. Half of them have either canceled their accounts or are planning to do so. ) You SURE you can not expedite my request Branch Lady? WHY THEN was XXXX at an alternate Branch able to do so for me?? 

CHASE IS XXXX. Branch Lady must have made a REAL FUSS about my complaint. 

Then, OF COURSE, I receive the most SCRIPTED XXXX from Corporate relaying their belief SUDDENLY that they do not discriminate in ANY way. ( Really? I explained to Chase that I had a XXXX myself and they STILL dragged me through the ringer. ) Shame on them!!! IF YOU BANK WITH CHASE - just LEAVE. Go to XXXX. Believe me. CHASE SHUT DOWN MY ACCOUNTS because some XXXX  XXXX took a series of complaints from ME!! Chase doesn't know how to handle complaints, obviously. 

Then a Chase employee stated to my face, in person, by the way, regarding a Wire I had formerly wished to be reimbursed on : " Ohh Chase? Don't even worry about that ... Chase will reimburse you JUST to keep you as a client! Guaranteed!! ", he said. While his OWN Manager, XXXX XXXX, whatever he is... some kind of Marketing Regional Manager said to ME : " I KNOW that XXXX never said that. '' Well, guess what XXXX looked like an COMPLETE idiot stating that to me. As his employee ABSOLUTELY stated that. They are crooked within the institution!! And then try to imply that you committed fraud. XXXX did not even call me back last time that I requested he PLEASE do. 

With Chase.. you begin to wonder WHO is serving WHO?? IS THE BANK SERVING THE CLIENT OR IS THE CLIENT SERVING THE BANK. They actually feel as though you should be enamored having them as your Bank. Chase Bank, that is. Fast-forward, and I put in a bunch of claims/disputes. SO WHAT? SO does everyone else. When I called up regarding any said claims I either remarked that I absolutely did not recognize the charge, OR, that I had not received the product. Those are the only two REASONS why you'd ever put in a claim. Or if a service wasn't performed or properly, right?? CHASE TOLD ME THAT THEY WERE ENDING A DECADES LONG RELATIONSHIP " due to claims.something with claims!! '' I finally started by-passing the IGNORANT and thought that I would deal with Chase Executives myself . COMPLETE and TOTAL mistake. XXXX XXXX told me " We'll see what we can work out regarding opening back up your account ... '' Then this one said the opposite and the other one said the same ...... IF I GAVE YOU THE DATES, TIMES and NAMES of every Chase employee which I spoke to ... and I HAVE the information, you would say to yourself, " this poor woman!! '' The bottom line was my account was closed and this time for good and for no good reason.. I had NO ACCESS to my ONLINE ACCOUNT either. NO EXPLANATION. 
Chase sucks when it comes to communicating properly. THEN, Chase Online was sending me messages regarding some disputes which I had put in and they were also holding up {$1700.00} of mine for no reason. My homeowner 's insurance debited the FULL AMOUNT out from my checking account - when they were only supposed to debit on a " XXXX '' basis. So I called Chase WITH the Supervisor on the phone you know, of the Company who handles my homeowner 's insurance and Chase STILL had a problem with that dispute. Honestly, I think that Chase made a mistake. 

I was AT one of the LOCAL BRANCHES. I finally SAID, " I am NOT leaving until you give me the rest of my cash!! '' During that time people who I knew were walking in ( ALL OF WHOM contacted me later to find out exactly what the problem was.. ) I had two phones in my hand at once... the teller didn't even realize what was going on ... ... After almost 2 HOURS one of their employees finally called XXXX XXXX Lol. And most of my friends and neighbors were like " XXXX, Chase! '' LOL!! And it went on and on. 

TO THIS DAY, Chase has REFUSED to apologize for ANY of their wrong-doings ( that's VERY BAD, when a Bank can not admit their mistakes. ) Regarding the XXXX XXXX XXXX '' XXXX, who SWORE that his own Employee did not say such a thing, I told him.. " Oh yeah, really XXXX Why don't you tell your employee that I recorded his and my own conversation to get him to ADMIT it?? '' The XXXX wouldn't do that either. So I was left without a Bank and then ... ... .... 

I found my hero : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I am finally treated right. They think Chase is WEIRD. I think Chase thinks they don't XXXX- if you know what I mean. 

I actually called XXXX to cover the story and the woman was VYING to air the story- but then I told her to just forget about it. STILL, she gave me a series of numbers for this XXXX XXXX and others. You'd THINK Chase would be at my feet for doing that?? 
And saving them total embarrassment.. 

Her " plan '' was to show up RIGHT AT THE BRANCH DOOR and speak to Lady Branch about WHY it was that my account was shut down. 

Chase caused me more hassle than anything else. Everyone uses XXXX therefore we're all connected. I don't NEED to bank with Chase. In fact, they are going to find that THEY need me. And what a mistake they have made. Lol, they are STILL emailing me offers to take out a loan or to open up a line of credit. " Audacious '', I tell you. Discriminatory. You get a XXXX different answers. " Maybe you can keep your THIRD Checking account '', then a letter " Call us to answer a few questions and you can KEEP your account! '' Ooo! Gee!! Exciting!! NOT. Too big for its britches. 

JP Morgan Chase is NOT " FOR '' its clients anymore - not unless MILLIONS of dollars come with them. I was about to bring that too. But truly, XXXX XXXX XXXX seems to by FAR, deserve it more. " Buh bye Chase!! '' Trust me, you don't know a THING about maintaining effective RELATIONSHIPS. Not a single thing.

Company response to consumer: Closed with explanation