Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am submitting a complaint to Chase Bank regarding their failure to remit the contents of a closed Chase Total Checking account back to me in a timely manner. 
// On XX/XX/2021, my spouse 's employer direct-deposited {$810.00} into my Chase Total Checking account. On the same day, I attempted to transfer the same amount into an external ( XXXXXXXX XXXX ) checking account, using the XXXX service. I immediately received an email stating that my XXXX transfer had been canceled. 
// Upon attempting to log back into my account several minutes later, in order to determine why the XXXX transaction had failed, the online system stated that my account was locked, and that I needed to call a XXXX number in order to unlock it. 
// On XX/XX/2021, at approximately XXXX XXXX, I called the requisite number and spent more than an hour on hold. Upon being connected to a Chase representative, I was informed that my checking account was not locked, but rather closed. I requested information as to the reason for the closure, and the representative was unable to provide any. I then requested information as to when I would receive my balance back ( approximately {$850.00} ), and the representative also did not provide a timeline. I then asked if there was another person I could speak with, and was told that there was no one else I could speak with. The representative then ended the call before I could ask additional questions. My total time of interaction with this representative was shorter than 3 minutes. 
// Immediately after being hung up on, I dialed the same number again, in hopes of gaining additional information. This was around XXXX XXXX. After spending approximately 1 hour on hold, the Chase automated system informed me that an error had occurred, and that my call would be terminated. The system then hung up on me without connecting me to a live person. 
// On XX/XX/XXXX, I visited my local Chase branch to request additional information. The branch representative called a Chase remote office, and was once again informed that the account was closed, and that no further information was available. The representative then informed me that a check containing the account balance ( approximately {$850.00} ) was already in the mail to me, and that I should expect it within several days. I was informed that there was no tracking information or other means of confirming the arrival date of this check. 
// It is now XX/XX/XXXX, and I have received no such check. I have also received no further communication from Chase Bank, neither by email, nor by phone, nor by mail. 
// This is utterly unacceptable anti-consumer behavior. Not having access to nearly {$1000.00} of my own money for more than a month has caused significant financial strain. I intend to pursue this issue against Chase to the fullest legal extent available to me, and I look forward to your rapid and full resolution of this issue.

Company response to consumer: Closed with explanation