Consumer complaint received 2023-08-17
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On or around XX/XX/2023 Chase bank suspended and subsequently closed my checking account for reasons I am not completely aware of. At the time of my account closure, I had approximately {$9900.00} dollars in my account. A refund check was suppose to be mailed to me however the check refund was suspended. In trying to discover exactly why the check refund was suspended, I called Chase Bank 's XXXX number multiple times and spoke with multiple people. From the best of my understanding, they did not send me the check because there were some suspicious deposits made into my account from a person by the name of XXXX XXXX. I explained to a Chase Representative multiple times that I use the name XXXX XXXX in mobile app called XXXX XXXX ( as an alias ) and therefore explained to them that XXXX XXXX is actually me. Again, XXXX XXXX and I are XXXX in the same. The Chase Representatives first asked me to submit statements from XXXX XXXX showing the name XXXX XXXX on them. I did so but then they turned around and told me that was not good enough. They told me that I needed to have documentation that showed both my legal name and XXXX XXXX at the same time. I contacted XXXX XXXX and asked them if they could provide such documentation and they told me no. So I contacted Chase bank again an after about XXXX further contacts trying to understand what I could provide to them, they then proceeded to tell me I needed to get a statement from a lawyer proving that I am XXXX XXXX. So I found a lawyer by the name of XXXX XXXX who works for XXXX XXXX. I setup an initial consultation and while there in my consultation, I called Chase Bank so my lawyer could talk with them to understand exactly what they required. The Chase bank representative told my lawyer exactly what I was told in that they needed a letter from him proving I am XXXX XXXX and that I also needed to get the letter notarized. In order to prove I was XXXX XXXX to the lawyer, I was subjected to several tests. I was asked to log into my account in front of him. I was asked to show him proof I received automated emails from the XXXX XXXX account. I was asked to show him proof of automated text messages I received when a XXXX XXXX transaction was made. I was asked to show him each individual transaction to Chase Bank based on the transaction history from XXXX XXXX and match those transactions to their statements. By the end of the consultation, XXXX was completely satisfied I was the owner of the XXXX XXXX account and simply used the name XXXX XXXX as an alias in XXXX XXXX. In writing an affidavit, XXXX also points out that it is completely within XXXX XXXX 's policy to use an alias in XXXX XXXX so I did not violate their rules by doing so. Under penalty of perjury, I signed the document and had it notarized. For his services, XXXX charged me approx. {$1800.00} dollars. I then proceeded to my local Chase bank and they assisted with uploading the Affidavit, and other Exhibits to prove I am XXXX XXXX and simply use this name as an alias in XXXX XXXX vs. using my legal name. I called Chase Bank today and to my great dismay and they told me they are refusing the Affidavit I got from my lawyer even though that is exactly what they told me to provide and told me instead I needed to provide either a birth certificate with the name XXXX XXXX on it or provide a phone number which they can look up in a public database to see if the owner is XXXX XXXX of which they would then call me. Since XXXX XXXX is not a real person and simply an alias I use, I can not provide any of the final items they are requesting. I have wasted countless hours of my time, energy, money, made over XXXX calls, made over XXXX trips to Chase branches and did everything they asked me within my ability and they are still refusing to give me money from my personal account that they closed. At this point I do not know what to do and I am seeking further advice from my lawyer. But I have already spent {$1800.00} and I do not want to spend anymore because I do not have a job right now. If you can please help me. I will not give up on this matter because I have done nothing wrong and Chase bank is wrongfully withholding my money.

Company response to consumer: Closed with explanation