Consumer complaint received 2021-05-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a checking account with Chase for at least 20 years. Ive had problems ever since my mom passed away & I helped dad pay his bills, sadly, neglected mine. Im on XXXX, XXXX due to a health condition. My check would come in, pay my bills, overdraws, get NSF fees. This has been happening. & I felt its a never ending cycle. I opened another checking account with Chase, had my Direct deposit go into that one. Pay my bills & pay off the negative balance which is a bit over {$1000.00}. I can not get into the account its restricted. Chase, unjustly accused me of fraud without proof, while I wanted to pay the negative & avoid {$300.00} a month in NSF fees. I explained the reason but no help. 

I opened a checking with another bank & called Chase to ask how am I to pay off the negative if I can not get into the account to monitor. I dont even know what was going on until I tried to go into account. I was informed by a supervisor, last Thursday or Friday, a Ms. XXXX, that I had to bring cash into a branch. I explained that Im XXXX, have no car, live in a shelter. I told her that Im more than willing to make payments to Chase until balance is paid. She again repeated what she previously said making me feel stupid. Then informs me that if no payment is made the account will go into collection. I told her NO! In order to put me into collection would mean that I refuse to pay, which isnt true. Chase is unwilling to accommodate me in any way whatsoever. 

I was insulted to be accused of fraud to begin with. I worked for Bank XXXX XXXX in California for 9 years as a Merchant teller handling large amounts of money. When I was robbed while helping on the teller line, I recd a {$500.00} award for following bank procedures. My grandfather retired a hero from XXXX, recd a XXXX XXXX XXXX given by the XXXX. I worked XXXX jobs, went to school full time, did my Internship with the XXXX XXXX Attorney & graduated with a degree in XXXX XXXX. You question friends, family, past employers & all will state XXXX an honest & trustworthy person. 

Is it my fault I tried to help my dad & only to become bad for me. I have to go for XXXX & my doctor will state stress is bad for my condition. I think Im going through enough as it is due to my health, looking for an apartment & a car. Im XXXX XXXX XXXX, worked since I was XXXX XXXX XXXX & never imagined my life as it is now. If I thought I was wrong, I would admit it & not be sending complaints to different organizations including Civil Rights for discrimination. 

If Chase puts my account into collection, Ill retain an attorney, still keep in touch with prior employer, demand the balance wiped out, pay my attorney fees & an additional demand for defamation of my character which brought stress to my condition that could cause it to progress. 

Im not someone who would just sue for nothing, not like that, but big institutions like Chase, think they can threaten & intimidate people, which is wrong. As I stated, I had every intention on paying the balance but I needed help because of my XXXX & health. The representatives are special agents handling my account, coldly denied me help & just didnt care. 

Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation