Consumer complaint received 2019-02-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom this may concern : I am military veteran who has been conducting my personal banking with Chase bank since XXXX. On XXXX XXXX XXXX my spouse notified me that both our chase checking accounts were potentially breached. I went into a chase bank branch on XXXX XXXX XXXX to discuss this with a personal banker. The personal banker told me the account must have been hacked online and the money was transfered to a different account. I requested both accounts be closed and new debit cards and new checking account be opened. The personal banker provided this and was also talking with chase customer service to find out more that happend. The personal banker told me they would call me with more informaiton about what happend later in the day. On the same day my chase mobile app was suspended so I decided to call a reactivate it. During this time I was forwarded to the fraud dpeartment to investigate more on my accounts. This was when I was made aware of what happened to my accounts. In XXXX XXXX I opend up a chase checking account with a sibling. We had a family member who was in assited living and I opened up a account for this individual so my sibling can give this person money when they needed it. Since I opened the account, chase bank told me I was the primary account holder on the account. Since my sibling and I do not live close to one another she had full access to the account also and was a authorized user with full access to the account. My family member past away in XXXX and my sibling was attempting to deposit checks to our joint chase checking account and she did not relaize that the checks were getting sent back for insufficent funds. I recieved letters from chase on this matter and I contacted my sibling who said the matter was being taken care of. Chase bank represntatives informed me on XXXX XXXX XXXX that my accounts were drained in order to pay the balance on the account I shared with my sibling. They never once notified me they were going to do this. I asked why they did not go after my sibling who wrote the checks and not me and they said since I opened the account and not my sibling they went after my accounts to resolve the unpaid balance and the account was sent to collections. They also informed me that my accounts will continually be withdrawn from my Chase until the account was paid in full. I contacted my sibling after I spoke with Chase and on XXXX XXXX a deposit was made in full to chase bank on that account. On feburay XXXX, my chase mobile app was suspended again so I contacted Chase bank to find out why. They informed me they no longer will do business with me and will close all accounts. I asked for what reason and I tried to explain myself but they told me they do not have to give me any reasons why. My wife and I share this account and we just opened a new account and they said they are closing that one also in 10 business days. I attempted to talk with a customer service Chase bank manager and they told me the same thing. I have never been treated like this by any organization and I feel I was deceived and misled by the bank. Further, they had no intention on notifying me about any of this. If I was not proactive by calling Chase bank I would have never found out. More so, I am questioning thier legal authority to withdraw from accounts that share with my spouse without any notification. I am requesting a investaigation into Chase Banks practices and to find out why they closed my account without valid reasons. I have never had any financial issues with Chase Bank before and also I felt my sibling should be the one who takes responsisblity for this since this individual was writing the checks. 
Thank you for your time.

Company response to consumer: Closed with non-monetary relief