Consumer complaint received 2021-07-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ive desperately been trying to resolve and remedy the confusion your customer service team is having in regard to my account and have yet to have anyone willing to help. Your bank has put a restriction on the account ending XXXX to where I CAN NOT log in to see what is going on. Nor will any representative release information on the phone! This is not ok! I work for the XXXX XXXX and know the legalities and laws pertaining to my rights within the consumer banking industry. 
If there is something going on with fraud and/or identity theft regarding the account, please advise as my CREDIT is at stake! The account is reflecting a negative $ XXXX. I have no idea why and no idea why there is a restriction added to the account! 
In the midst of this, I made a wire transfer to cover whatever charges and fees there is owing only to get it return as rejected! Along with a rejection from my XXXX XXXX XXXXXXXX XXXX automatic allotment from my paycheck. 
Please review the timeline of pertinent information on attached page and at your earliest convenience, please call me at XXXX to discuss further as I would like to rectify this as soon as it convenient for you. 
I have included Officially Notarized documentation of my Identity in lieu of driving literally 2 hours away ( from my home ) to XXXX, NY. 
ATTACHMENT XX/XX/21 - Opened checking account online, was offered {$200.00} free, for opening the account if I followed their instructions by making a {$500.00} electronic deposit from my paychecks ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). I did and they deposited the XXXX. It then said I must use account a minimum of 5-10 times per month to avoid checking account fees. Used account with no problems. 
XX/XX/21 -Tried logging into account online - account locked figured I typed in wrong password, will try again next day. Next day tried again, same thing. being XXXX and bank is closed, Will call bank to get unlocked. No emails, texts, or letters received regarding account. 
XX/XX/21 - Received letter in mail stating " You can not use your account, and we will close it soon now Im concerned, wondering what is going on and still no emails/texts to inform me. Called XXXX per instructions from letter, XXXX answered and stated I needed to verify my identity by going into a local branch to show my social security card. I was shocked to say the least, as the nearest bank was 2 hours away! She gave me the tel XXXX. I tried asking more questions on why this happened and all she did was refer me to the 2hr away local branch. She did state the account was negative XXXX and something dollars. Now Im XXXX XXXX as I know I do not let my accounts go NEGATIVE ever and if it got even close to that I would have made a deposit right away, just as I do with my other accounts! 
XX/XX/21 Called XXXX, NY Branch spoke to XXXX, explained that their customer service is asking me to go to nearest bank to verify my identity. Explained that ( XXXX, NY ) nearest bank is literally 2 hours away and with COVID that this wasnt feasible, nor beneficial for me. She gave me XXXX to call and explain circumstances to see if another alternative was available. Called XXXX #, spoke to XXXX and he said the bank needs my social security card and ID to scan into system. 
2nd phone call to the 2hr away branch, spoke to XXXX, Branch Manager and tried to get details on the negative account, He was unable to provide details and that I could take care of it when coming to bank. THIS IS ABSURD.. AS IM UNABLE TO LOG INTO ACCOUNT TO VIEW DETAILS. I am not driving 4hrs ( to and from ) to take care of this. 
If the attached OFFICIAL documentation is not accepted, I WANT THE ACCOUNT CLOSED PER MY REQUEST and a statement mailed to my home address of the account charges and any bank fees that were added. 
Now, I feel as though, this supposedly FREE {$200.00} was a bait n switch scheme to entice people like myself to sign up, especially in a pandemic! I am asking for a FULL investigation into their consumer banking practices, their advertising practices and finally their consumer privacy practices. 

XX/XX/21 My XXXXXXXX XXXX  XXXX paycheck automatically sends {$50.00} to the account and that has been rejected as of XX/XX/21 XX/XX/21 Wired XXXX to the account and it was rejected as an INVALID Account! 
XX/XX/21 Drove to XXXXXXXX XXXX in XXXX, NY and had them notarize my identity, and mailed out letter via certified mail XXXX.

Company response to consumer: Closed with explanation