Consumer complaint received 2020-03-25
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This is/was a checking account that offered a bonus. Everything was going along fine, I opened the account online, it was visible in my Chase online banking and then one day WHAM they lock me out of my online and also my mobile app. I called the number that showed up when I tried to log in, and I was told that all I had to do was to go to a branch and show my ID and social security card. I did so. The Chase rep managed to get my account " unlocked. '' But she was told something different by the fraud/loss department ( somehow the story had changed from what I was told when I originally called ). They told her that my account would be closed. They gave a bogus reason that " it had something to do with my social security number - they could not verify my social security number. '' I explained to her that the account DID open, so they obviously did verify my social. I also explained that I transferred {$2000.00} into the account, and that it was in process. She told me that the funds would be rejected. 

Lo and behold, the funds hit the account the next morning ( I think it was the next morning ). Then I was sent an email, outlining the steps that were necessary for me how to get the bonus. I also received a letter from Chase, telling me that the account would be closed, but the date on the letter was prior to getting the email. So I assumed that since the money transferred in and the email was dated AFTER the closure letter, all was fine. So I set up my direct deposit. By the way, the reason given for the closure in the letter was different than what we were told when I was in the bank with the Chase rep. So the story changed yet again. 

A few days ago, the account suddenly went missing offline. I assumed that they would send me a check. I contacted the branch only to find out that they are HOLDING my {$2000.00} ( not the branch, Chase Bank ). Chase told the bank manager, "  that they need proof the funding bank actually belonged to me '' and " they want me to go to the branch and log in '' to my XXXX XXXX account in their presence. I tried to do this and I even gave the bank manager a copy of my XXXX XXXX statement that shows the transfer for {$2000.00} going to JP Morgan Chase. But whenever she tries to call on my behalf, Chase never picks up. I tried calling them today and I was on hold for 4 hours. Chase never answers. I tried today for 4 hours XXXX, no answer. I just get the message of how my call is so important to them, and how it is an honor for them to serve me. They never pick up. 

I'm tired of jumping through hoops to get my {$2000.00} back. I admit, I do try to open Chase accounts when they offer the bonus. But my last Chase bonus that I received was over 2 years ago, so I'm playing within their allotted time frames of whether I can qualify get the bonus. They obviously flagged me in their system, and don't want me to get the bonus, so they are doing all of this to me. They are teaching me a lesson, never to try to open a Chase checking account that offers a bonus. 

I need my {$2000.00} back. We are in the midst of the Coronavirus crisis, and I need this money for food and supplies. I have no doubt that Chase will retaliate against me for filing this complaint, and they will probably shut down my credit card accounts. But I have no choice. I want my money back. I need my money back. I also want the bank bonus that they promised, as I have proof of complying with the bonus requirements. Each time, they REJECTED my direct deposits. Obviously they are vindictive and don't want me to get another bonus. Please help me get my money.

Company response to consumer: Closed with explanation