Consumer complaint received 2020-07-11
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Sunday, XX/XX/, my debit card was declined while attempting to purchase groceries. I immediately tried to check my accounts online, but a message popped up from Chase Bank stating due to suspicious activity, I could not access my accounts. I then called the 877 number ( ( XXXX ) XXXX ) as the app instructed, only to be told by a recording that the bank has reduced their hours and no one was available. Since all of my funds are held in my accounts at Chase Bank, I had absolutely no means with which to put fuel in my car, feed my children, etc. 
The following morning, still unable to access any of my accounts online, I called the bank once again. After approximately 45 minutes on hold, I spoke to the representative in the Fraud Department. The representative was extremely short with me and could not have cared less that I was so distraught. I am a single mother of XXXX, currently unemployed due to the Covid 19 pandemic ; needless to say, I was in tears and not sure how I was going to survive with absolutely no money. I was told by the representative that all of my accounts ( checking, savingseven my teenage daughters student checking account! ) were in the process of being closed. I demanded an explanation, but was told that I would not receive one. The fact that I have been a Chase customer since XXXX meant nothing. The fact that my kids and I had no way to buy food did not matter in the least. Furious and in tears, I drove to the local Chase branch and demanded an explanation and access to my funds. Again, I was told that Chase can do whatever they want and they dont ever owe customers any sort of explanation. Appalling. 
I realized that this all may have been caused due to the unemployment benefits being directly deposited into my checking account. The reason for these multiple deposits is easily explainable and fully documented. I am currently received unemployment, as is my boyfriend. We share an account at Chase Bank, so I am confused as to why this is a problem. My XXXX year old daughter was recently admitted to an XXXX XXXX XXXX over four hours away. Just days prior to this, she left her former residence in Virginia ; therefore, the unemployment benefits she applied for are, of course, paid by the State of Virginia. My daughter did not have any open depository accounts, so she reached out to the State of  Virginia and confirmed that she was able to put the routing and account numbers to my account down as her direct deposit info. As I stated before, all of this is fully documented and verifiable. When I tried to present this documentation to Chase bank, they refused it. Again, APPALLING. My rent check was presented by my landlord, and Chase returned it to him NSF. Now, I am dealing with the possibility of being evicted from our home. I also had a State of Louisiana DMV payment set to draft from my account on the XXXXbut Chase declined the draft and now I have to come up with over {$2100.00} to pay the State right away, or my drivers license will be suspended. UNBELIEVABLE. 
I dont understand why this is happening. I dont know why my accounts was closed without an explanation. As is my right, I applied for unemployment benefits and now possibly because of that situation my bank accounts are closed. These are my only checking and savings accounts that I rely on for everyday expenses. 
Today is XX/XX/, and I have yet to receive any correspondence whatsoever. 
This has not just been an inconvenience, this has and continues to be a total nightmare. I am more inclined to keep any of my future funds in a shoebox under my bed than I am to go open up any more bank accounts. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX direct

Company response to consumer: Closed with explanation