Consumer complaint received 2019-01-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX RE : Chase Account closed without cause Attn : Consumer Financial Protection Bureau After giving much thought to my experience, I decided to reach out to you. Chase decided to close my Checking accounts without any prior notification. I am still unclear as to the reasons why my account where closed and I was not given an opportunity to provide an explanation if one is needed. After much deliberation, Ive concluded that this was Chases method of not having to provide me with the bonus under the promotion which I opened my accounts. Therefore, I am writing to you in hopes of having the account reopened with the original promotion being honored. Since I was not given any reason or explanation for the accounts being closed I can only conclude that it had something to do with the multiple depositing of a check. 

The events that led up to this are as follows : On XX/XX/2018 I deposited a check for {$110.00} into my Chase account, via mobile check deposit, the day prior to me leaving for vacation in XXXX. On the XX/XX/XXXX, my XXXX sister deposited the same check into my XXXX account, without my knowledge, as I was still on vacation in XXXX. Upon my return I visited Chase Branch #  XXXX located at XXXX XXXX XXXX XXXX XXXX, Florida ( XXXX ), to exchange currency from XXXX back to dollars. I was unaware of the check activity that took place while I was away. At that time, I was advised by the branch representative about the duplicate check deposit and my account block. While I was at the branch, I contacted my sister XXXX and she explained that she saw the check on my desk and deposited it for me, as she thought I had forgot to do so before leaving for vacation. As I was out of the country, she stated she attempted to contact me to confirm but was unable to reach me, and if you know anything about XXXX, you will know that to communicate with the US from XXXX is difficult. Therefore, in her innocence, she went ahead and deposited the check into our joint XXXX account. 

The young lady at the branch attempted to assist me by calling the main office to find out the parameters surrounding the block and the steps I needed to take to have it removed. After explaining the situation to the representative on the phone, the branch representative advised me that I would only need to wait one week for the check to be returned, and the account would be unblocked since I had come into the bank with enough time to rectify the situation.

Subsequently, I opened two representative payee accounts with Chase, one for my sister, XXXX XXXX and one for my mother, XXXX XXXX, without any issues. A few days later, all of the accounts were closed without any notification! 

This caused a lot of confusion as I had gone to the social security office and arrangements had begun to have my mother and sisters monthly checks from Social Security deposited into these newly opened accounts. 
This experience has led me to believe that I was stereotyped based on one mistake made by my XXXX family member and now I am unable to bank with Chase. I have been an honest banking customer for many years without any mishaps. I was not informed or misinformed during this whole process, which did not grant me the opportunity to take the necessary steps to rectify the error. I am requesting to be able to open all accounts and if possible, be given the opportunity to qualify for the new customer promotion, which was originally offered with the opening of new accounts. I believe Chase is a fine institute and in the short time we were with your bank, we were able to bank easier since we have such delicate banking circumstances. Thank you in advance for your assistance on this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation