Consumer complaint received 2021-05-27
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I want to file a complaint against Chase Bank for the horrible treatment of me and what they have resorted to doing the last couple of days. I went to use my debit card and it was declined, so I called them to ask why, and I was told that they are closing my account. I asked why and they said that they aren't going to tell me. Then two days later, when I went to log in to my account because I needed to dispute charges that were made, I received a message saying that " they have locked my account due to suspicous activity '' and so I can't log in or get any information in regards to my account. When I called in to the 800 number and disputed the charges that I remembered, they asked me if it was a particular merchant that I hadn't used in months. I said no there shouldn't be any charges to that merchant, do you see charges there from them? She said she couldn't tell me and said that I needed to talk to a different department. Then this morning, I received over 20 e-mails from Chase saying that " received a new letter and to log in to view it '' and " my account has been updated '' " my claim has been updated '' and I can't view any of them. They have blocked me viewing my account, from logging into my account, from receiving any information about my account, and I can't see how this can be legal. I don't see how a bank can cut me off from my own money for no reason, not tell me anything in regards to my balance, what transactions are there, what recent changes have been made to my account since they cut me off from accessing any information, and so I have no idea what is going on with my account and what my balance is, and so I have no ability to dispute anything that is wrong or verify my balance. How can they restrict my access to my own account, make changes to it and not tell me?????? How can they make changes to my account with notifying???? If they are forced to notify then those notifications that I received today don't count because I can't view them and when I called they wouldn't tell me. When I call they have resorted to making fun of me and laughing at me and mocking me. I told them that I am XXXX and can not XXXX XXXX anywhere and the guy said " XXXX XXXX XXXX XXXX '' and he laughed at me. Making fun of XXXX people is apparently standard protocol at Chase bank because he did it without fear of getting in trouble because they all do it. Yesterday when I called, the lady pretended that she couldn't hear me and hung up on me after i waited for 2 hours to get through. The day before that, the agent snapped at me when I asked why they were closing my account and then hung up on me again. This a constant pattern that they have shown me ever since I first opened an account with them. 

Previously, instead of someone simply asking me a simple verificaiton question, they chose to instead insist that I go to a branch and show them my ID for verification. I said this was physically impossible for me because of a medical issue I can XXXX XXXX, I have a XXXX disorder caused by a XXXX XXXX. They did not care, they made fun of me, the laughed at me, they hung up on me, and it took me over a week to keep calling them and speak to an agent who would actually help me. When I actually reached an agent who just asked me the verificaiton questions, it took a total of 15 seconds. The other agents refused to that, and spent 30 to 40 minutes each day arguing with me and telling me I had to go to a branch and that there was no other option. This was false and all they had to do was ask a simple verification question. This was not one agent, but many agents that I spoke to over the course of this week and multiple supervisors as well. I was hung up on, I was not giving a solution because of my XXXX, they instead choose to laugh at me, and mock me and make fun of me and tell me too bad theres nothing can be done. One supervisor even blocked my number so that I couldn't call in anymore. I had to call from a different number just to get the agent that helped me. Instead of a 15 second question, I spent 5 days calling them and speaking multiple agents and supervisors and none of them simply asked me a verification, none of them gave me a solution other than go to a branch even after I told them this was impossible because of XXXX, and this did not matter to them. They are a company that mocks and makes fun of XXXX people and does not give them an alternative because the limitations that my XXXX has put on me. I don't see how these monsters can legally do this. I do not want to pay for a lawyer, nor can I pay for a lawyer now because they have restricted my account and so my debit card does not work. I can not withdraw any funds, I can not do anything other than watch these horrible awful people steal my money and make fun of me and my XXXX and I think it's absolutely dispacable how any human being can treat another like this. They have treated me like an animal and shown me no human compassion and have treated me like someone who did some horrible act to them when I have not done anything wrong, I have done nothing illegal, and I have not deserved the awful treatment that I have received and I know that they are stealing my money. 

The phrase they keep saying is " if there is any remaining funds then we will mail you a check on XX/XX/XXXX. '' To say " if there are any remaining funds '' when I can not use my card, can not transfer, can not withdraw, then how could there be any funds missing or not there from what I remember but since they have restricted my access to my account, I have no way to verify what is going on. I think they are reversing some disputed that I filed and so they locked me out so that I wouldn't see that until after my account is closed and when or if I do receive my check in the mail and the $ amount is less than it is supposed to be, then they won't have to do anything because my account is closed and they will probably say that I had such and such time to appeal but since they locked me out of my account then there is no way for me to do that. I don't want to get a lawyer and I have no way to pay for one now or do I have a way to pay for anything because they have cancelled my card and my ability to do any transactions. I have not eaten in 3 days because I have no money for food, and when I asked them this, the guy laughed and made fun of me. These calls are recorded and so there is record of them if anyone cared enough to listen to them. They are endangering my life because I have no ability to pay for food, or if an emergency came up and I needed to buy something, I have no ability to do so and when I brought this up, they laughed and made fun of me. They said they have every right to do it and said too bad and that there is nothing I can do about it. I hope that I die and get very sick because of this, then maybe someone would hold them accountable for their actions. I have no ability to get food and they aren't mailing a check until XX/XX/XXXX. So I don't know how sick I'm going to get, I don't know how weak I will get, but my only other choice is to knock on my neighbors door and ask them for food. This is not something I want to do and won't do until I am at XXXX XXXX of XXXX. I have given the rest of my food to my dog to make sure he has enough because I care more about him than I do about myself and he's all that I have in this world. 

I sincerely hope that someone makes these horrible people accountable for their inhuman treatment of me, and for the laws that I hope are in place that would protect a consumer in this situation.

Company response to consumer: Closed with explanation