Consumer complaint received 2023-06-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chase bank refuses to close my checking account with them, despite me having requested that this account be closed starting back on XX/XX/XXXX. They have charged me hundreds of dollars in XXXX fees, despite my repeated requests to close the account. I canceled my debit card, they kept honoring charges on it. I changed my direct deposit with the VA and they still ( somehow ) got my monthly benefits deposit. I repeatedly, continuously requested IN WRITING VIA SECURE MSG on their system that my checking account be CLOSED IMMEDIATELY and they refused. Every time my account was out of the red, they just sat there and kept approving payments, XXXX debits, card transactions, even though I had already canceled my card and requested closure of my account. This bank is intentionally and fraudulently forcing my account to stay open, while simultaneously continuing to fraudulently charge me XXXX fees- even though they keep sending me msgs saying they WON'T do that - and they keep approving XXXX debits, card transactions, etc. to continuously keep my account in the red so they can keep claiming they " can't close the account because it is overdrawn '' but I even deposited {$20.00} from an outside account to ensure the account would go into the positive so it could be closed AND THEN CHASE INTENTIONALLY PUT A HOLD ON THAT ELECTRONIC DEPOSIT SO THEY COULD KEEP FORCING MY ACCOUNT TO STAY OPEN. 

On XX/XX/XXXX I was involved in a hit-and-run accident ( the other driver smashed into me, and my granddaughter was in the car, then sped off ). That started all of this craziness, because I'm a 100 % XXXX veteran who gets $ XXXX from the VA for XXXX benefits and have no other income to pull from. As a result of my accident, I could no longer take my granddaughter to/from school and had to use XXXX and XXXX. Then, I had to order food delivery because I could no longer cook ( I have XXXX titanium implants in my neck from XXXX XXXX XX/XX/XXXX, so the accident exacerbated that injury/surgery site ). Apparently, Chase decided to just starting me XXXX fees for literally every single transaction instead of putting a hold on my card ( AS I REQUESTED ) so that's when I canceled my card. But then they kept charging me for " auto transactions '' ( even though that card number was no longer valid ) and every time they charged me {$34.00}. In the end, they charged me {$34.00} a total of XXXX TIMES since XX/XX/XXXX, for a total of {$680.00} in fees in less XXXX weeks. 

I contacted Chase XXXX times via secure message to try and make them STOP all this illegal, fraudulent nonsense and just CLOSE MY ACCOUNT but they absolutely refuse to do what I tell them - even though I'M THE CONSUMER AND THEY WORK FOR ME- and now they're intentionally holding XXXX the deposit that I electronically sent to my account for MORE THAN XXXX DAYS just to prevent me from closing the account and to keep playing this " GAME '' they are playing with my life and my health. 

When I requested that Chase reverse all the XXXX fees and close my account back on XX/XX/XXXX I did so as a REASONABLE ACCOMMODATION REQUEST under the Americans with XXXX XXXX of XXXX -- and they STILL have not honored my requests, nor closed my account. 

I want an immediate investigation into the practices of Chase bank in the operation and closure of my checking account. I want a FULL REFUND OF ALL {$680.00} CHARGED TO ME IN " XXXX FEES ''. I want a letter of apology, in writing, signed by a C-level XXXX. And I want a {$1000.00} check to me for the INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS caused to me by Chase bank for no reason other than... THEY COULD. 

This is a shameful, untenable tragedy that should never be allowed to happen EVER AGAIN. I'm a totally, permanently XXXX veteran with no other income and I have deposited closed to {$100000.00} since my account was opened and yet Chase treats me like I mean absolutely nothing to them as a banking customer and continues to break all the rules and laws of the FDIC and the XXXX federal government just because they want to and they feel like they can get away with it. 

INVESTIGATE CHASE NOW- I will be contacting the news. 

I have all the proof necessary to go after this fraudulent bank, as long as Chase doesn't DELETE AND DESTROY it all, like white collar corporate criminals are known for doing.

Company response to consumer: Closed with explanation