Consumer complaint received 2021-05-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I walked into chaseBank and the man at the door asked me what business do I wan na do today and I said I would like to withdraw some money he said OK you dont have to fill out the form just walk to the window if you have your debit card. I spoke to the teller and she told me how to put my debit card and then she then asked me how much money I would like to withdraw I said {$10000.00} she looked at me and then she looked at the computer and she was puzzled for a while so then she walked away and got another employee that person looked at their computer awesome and then she said well you have a PPP loan your account might be restricted you have to provide one of these for documentations of your business. You have a {$5000.00} PPP loan. I said yes I got that loan a couple months ago and also I do have documentation and I also have more income in this bank account thats more than {$5000.00} she said well we can with drawl whatever you want but we got a leave {$5000.00} in your account I told her no I will need to speak with corporate or someone Im not gon na withdraw anything because I wan na know whats going on everyone all the bankers kept saying you have to have a EIN number I am a XXXX driver which means I am a sole proprietor I dont have a XXXX XXXX is the XXXX but I am still a business owner under the sole proprietorship no one wanted to hear me so I provided tax summaries for the past three years I provided original tax forms schedule sees and also I showed them my XXXX app which states that verifies that I am the Business owner. I spent three hours in the bank debating with them because I knew the way I looked when I walked in and ask for that amount of money gave her an notion to look into my account further assuming that I had already had the PPP. I also provided them documents where I received the PPP in 2020 also with this same bank no issues with drawing any money ever. The police was called and when they arrived they walked in and asked me whats the problem and I said I believe that Im being discriminated against and the officer told me no I dont think thats what it is. I ended my conversation right there with the police  officer because I felt already he was on their side I also took his name and badge number and made a complaint to his higher commander. I got on the phone and called chase customer service a representative spoke with me and looked over the documents that I scanned into them from the bank he told me that my document should be efficient enough he put me on hold he came back to the phone and said could you go to a CPA and get a letter from the CPA verifying your business. I say OK I will but I have already verified my business and also provided the loan documentations from XXXX XXXX theres no fraud in my PPP loan. I definitely have a bank statement showing that Ive been doing XXXX business with Chase for almost 3 years now hi if you dont know the business I provided them with paperwork showing them that XXXX I cant get a EIN number. Im sorry if theres any errors in this message I am voice texting thank you.

Company response to consumer: Closed with explanation