Consumer complaint received 2023-06-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Sir or Madam, I have a complaint against Chase Bank for erroneously closing my account and not refunding me the full balance of {$4700.00} on my account as of XX/XX/2023. 
The details are as follows : XX/XX/2023 : I deposited two checks for {$2000.00}, one of which was for rent that I had been depositing for a few months already. Chase informed me the funds would not be available for a few days. 

About week later : I returned to Chase Bank and found that my account had been closed. Chase told me the reason was that the check writer did not pick up the phone and thus they closed my account because the check did not pass verification. 
Chase asked me many questions to verify the identity of the check and I got in contact with my tenant who wrote the check. My tenant texted me his bank statement showing the money going out. This all took place at Chase Bank. Chase Bank told me in this case they will send me a check for my account balance. 

Another week later : I received a check for only {$780.00} out of {$4700.00}. I went back to Chase Bank and cashed the {$780.00}. I asked why I did not receive the remaining {$4000.00}. They said it was mailed out at the same time and should be arriving soon. 

Over the course of the next month and a half I had gone back to Chase Bank to inquire about my missing {$4000.00} check. Each time I was bounced around to different bank employees, bank departments and call centers ; each time they asked what the check was for and who wrote it and for their contact and still could not resolve the situation. 
On my last visit of this sequence, Chase Bank told me that I did not deposit {$4000.00} on XX/XX/2023, but it is very clearly on my bank statement and my tenant 's bank statement with the rent payment going out. 
Over this past month or two, Chase could still not resolve my missing money case. Now on this visit, they want to just deny the deposit ever happened. I was brushed off and all I got was a number to call the same departments that could not help me for the past 5 visits. 

XX/XX/2023 : Chase Bank contacted me and suggested we schedule a meeting at XXXX with the bank manager to resolve the issue. But when the time came they called me to say the manager was too busy, then 30 minutes later I got another call and Chase said to not come in anymore. They even tried to excuse themselves by pinning it on the check writer, saying their bank account and transactions were messy. However that has nothing to with my own account. Again, the check payment had already cleared his account and was deposited into my account, as per our bank statements. Also we are both using Chase Bank for these transactions. 

Every I visited, Chase bank kept asking me the same thing and giving me excuses why they could not send my remaining balance of {$4000.00} as of XX/XX/2023 that just vanished when Chase bank closed my account. 
Sir, Madam, Please help resolve this case and help me recover the money I am rightfully owed from Chase Bank. 

Thank you.

Company response to consumer: Closed with non-monetary relief