Consumer complaint received 2017-10-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went to the JP Morgan Chase branch, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, New Jersey XXXX on XXXX XXXX to ask for a refund of a balance of {$220.00} on my XXXX XXXX XXXX credit card that I had previously closed. XXXX the supervisor at Chase Credit Card promised me and the branch manager that the  refund check would be overnight with the latest delivery date being XXXX XXXX. The refund check never arrive. So I again visited the branch, this time on XXXX XXXX. Again the branch manager called Chase Credit Card and was told the check had been cut on XXXX XXXX and would be sent by XXXX 2-day delivery! The check never arrived in 2 days. I visited the branch bank on XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. No one knew where the check was! 

The refund check arrived at in my mailbox on XXXX XXXX. I promptly deposited it in my new bank. Today I learned from XXXX XXXX XXXX of the Executive Office of Chase Credit Cart that JP Morgan Chase had put a stop on this refund check and had issued me a new one to arrive in 7 to 10 business days! But XXXX XXXX XXXX had never informed me about the stop on the refund check. And so my new bank charged me {$20.00} for the refund check return. 

I called XXXX XXXX this afternoon and asked her please to sent me a check for the {$20.00} and for the {$220.00} overnight as I have great need for it as I many times told JP Morgan Chase. Even indicating that " time is of the essence ''! 

Additionally, Chase Credit Card notified me earlier on XXXX XXXX that it was closing my JP Morgan Chase checking account on XXXX XXXX. No explanation or reason was given. This was arbitrary and capricious. 

But making matters worse is that my Social Security monthly deposit in which I depend will be deposited on XXXX XXXX the fourth Wednesday in the month. I pleaded with XXXX XXXX to extend my JP Morgan Chase checking account privileges until at least XXXX XXXX so that I could receive my vitally needed Social Security monthly check deposit. 

XXXX XXXX said that she could not guarantee extending my XXXX XXXX XXXX checking account to and through XXXX XXXX. I said what happens then? " The Social Security check will be returned to Social Security ''! This is a very cruel answer because I had told her several times I need this Social Security monthly deposit to pay my bills, that I depend very heavily on Social Security to get by! 

So now I face not having my Social Security check deposit this XXXX XXXX. 

XXXX XXXX told me to contact Social Security. But the branch manager in my  new bank in checking the rules and regulations of Social Security told me that the date had passed when I could change the bank for deposit of my Social Security monthly check refund for XXXX XXXX. The earliest month is XXXX XXXX! 

So I am will be out my Social Security check deposit for XXXX and do not have the {$220.00} refund I had repeatedly requested in 7 visits to the JP Morgan Chase branch, in 10 letters to XXXX XXXX XXXX the Chairman and CEO of JP Morgan Chase, and in many telephone calls! 

A very difficult situation for me a senior citizen aged XXXX and a Social Security beneficiary who relies very heavily on Social Security to pay my bills!

Company response to consumer: Closed with monetary relief