Consumer complaint received 2018-04-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I requested on XX/XX/XXXX for my account to be closed via secured messaging. I was told I had to call the bank customer service. I did that and was told the account would be closed. I log into the account a few days later and see transaction activity in the account and where Chase has reversed some credits without my knowledge causing the account to go into a negative balance position. So I immediately called to see what happened to the account since there was no activity initiated by me that would cause this to happen. I made arrangements to remove all excess funds from the account so it will be XXXX for the closure. So I was told that Chase allowed another bank XXXX  post credits to my account after I'd already reported them for fraudulently activity closing out my debit card and everything so when they allowed the XXXX  to reverse their two debits to my account Chase then reversed their credit to my account which caused all of this confusion. So I called Chase Bank customer service on XX/XX/XXXX and informed them that I will fund the account in the amount of {$50.00} to bring the account to XXXX so my request to have the checking account can finally be closed. The transaction number # XXXX shows the transfer initiated onXX/XX/XXXX and completed successfully XX/XX/XXXX but for some strange reason Chase is not reflecting this balance in my account on XX/XX/XXXX or today XX/XX/XXXXbut it allowed a random deposit be posted to my account for {$8.00} be posted to my account now bringing the balance to $ XXXX. Now in meantime I'm calling customer service and not one representative can explain to me why this has happened and I was told on XX/XX/XXXX that only one person in Chase Bank - XXXX XXXX at XXXX ext. XXXX  can explain why my transfer is not showing up and why the account has been closed yet as requested. I found this incredible to believe and requested to speak to a supervisor and she took my internal complaint and reiterated that someone I've never had contact with before is the only person that can explain why my account is still open with selective transactions being posted to it.

So onXX/XX/XXXX I called XXXX XXXX 4 times starting with XXXX CST because on XX/XX/XXXX I was told she was on pacific time. I left about 3 voicemail messages and no response. So I called customer service at General inquiry XXXX yet again and explained the entire dramatic account of what I've endured to get this account closed and once again the customer service rep had no answers for me but he did acknowledge that it made no sense for the account to be open still and he also informed me that my transfer deposit of {$50.00} was rejected. Now I'm not sure why that would be if the account was made to go negative after my request to close it but Chase rejects a deposit to bring the account to XXXX.

This appears as a long drawn out attempt to keep me as a customer but I'm not interested in playing any games with Chase and I want them to honor my request to close this account and accept the deposit that was completed per their records so we can end this business relationship once and for all.

I've also noted that none of these customer reps give their name, number or email address to follow up on the claims made during the recorded calls. I have each and every secured email message and I have a screen shot of the completed transfer and the balance on XX/XX/XXXX and XX/XX/XXXX.

Excerpt from secured email messages : " - If your account balance is negative, please make a deposit or transfer to bring your balance to XXXX as soon as you can. " - I did this but Chase has taken not processed transfer to my balance.

" - You can continue to make deposits and transfers into your account at the ATM, online, by phone, or at any of our branches. " - Apparently this isn't true because Chase Bank refuses to reflect the balance on my account after the {$50.00} transfer completed.

Company response to consumer: Closed with explanation