Consumer complaint received 2023-01-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is an update to complaint XXXX, chase states XXXX I was unable to complete the verification process when it was not my information they were inquiring, it was the endorser who did not provide acceptable verification, an individual who did not have a bank account with chase. And on the next few visits we were assigned a XXXX representative, which switched languages between us, we both speak and understand XXXX, however I do not speak or understand XXXX I assume that was a resolution to the discrimination accusation. 
The way the issue had resulted was the person who did not pass your verification process, and also had a account set up by one of your branch members with a invalid document had an an account closed then reopened so that the check could be recovered and deposited into their account, the branch member placed a call with the buisness that originally wrote the check, who by the way is a law firm, and ask them if they could retract the check so they could retrieve it from a closed account. The next visit the endorser provided additional verification, the same passport and a debit card, after bringing a birth certificate, phone bill, a prepaid debit card released the check to me and even though I had all the necessary verification I had a valid id two credit cards and a history of XXXX years with chase my account was closed, but the person who didnt provide verification acceptable in time, your branch set up an account with invalid information closed and then reopened and then your branch even tried retrieving the check by retracting it? It took two weeks to receive a cashiers check and when we went to the issuing branch they refused to cash it, they didnt say we couldnt cash it today and setup an appointment or offer another solution it was flat out denied they told me to endorse it to back to the person who originally endorsed it to me so they could deposit it.I was told once the issue was resolved they would reopen an account for me, which I had opened another with another bank already, but I had been told several times I could no longer bank with chase and when I asked for my statements I was provide one month, I need at the the last 6 I had disputes and proof of payments that because my account was closed due to?? I was under the impression that if a check is endorsed to you you are taking responsibility for it meaning I taking ownership would need to be the one you focus on the check wasnt an issue identification for me wasnt an issue but you felt it was necessary to close my account and open one for the person who the actual verification issue was with what sense does that make I think that deserves some better reason than for what ever reason you can close accounts it would have saved a lot of hardship and issues if you would have just refused the check to begin with you refused to cash your own cashiers check without hesitation i expected a little more customer appreciation for the amount of years I kept a good standing account and on time paid credit cards I even started my kids accounts

Company response to consumer: Closed with explanation