Consumer complaint received 2020-08-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a business checking account with Chase the last XX/XX/XXXX - For my dba On XXXX XX/XX/XXXX I went to deposit a check I received from a customer, check for the amount of {$5600.00} - I asked 2 different persons if it is was ok to deposit it as my client wrote the name of the business one word different. instead, XXXX XXXX ( My DBA ) wrote XXXX XXXX ( My website name ). Both of them told me if the address match is non a problem. So went ahead and deposited. I usually bank with XXXX XXXX and I never had any issue because I know this happens sometimes. 
Apparently Chase tried to call the issuer of the check and nobody answered. and yes, everyone at that company is working remotely. I wrote right away to the finance department and he gave me his business email address because the main office is closed, it is not an essential business. They didn't accept that as well. I gave them the name, business email and phone number. They didn't accept it. The only way for the chase to verify was calling the company name, they didn't want to make an exception. 
After 10 days they sent me a letter saying they were going to withdraw the money from my account. The Chase customer service was very rude trying to make me understand I was committing fraud. I never touch that money, I run to the bank with all the proofs on my hand to make them understand it was a mistake from my client. I showed them deposits on my DBA XXXX XXXX  account with a check issued to XXXX XXXX. I showed them invoices to XXXX XXXX. And they didn't accept anything. 
on XX/XX/XXXX I went to the bank again to speak with the guy who helped me to open my account, he told me that he was going to escalate the case so they will send me the check back and I can deposit in my XXXX XXXX  with no problems. 
XX/XX/XXXX - The banker told me he was waiting for a response on a solution, to contact him in 3 days. 
on XX/XX/XXXX - I went again to the bank and they told me they were going to send me the check within 7-10 business days and that they were working avoiding Chase to cancel my account. 
I asked the reason for canceling my account and he couldn't answer me. 
on XX/XX/XXXX - I received a letter from Chase saying they withdraw all the money from my account. On XX/XX/XXXX Again I called Chase customer service and they told me the check was sent to my address on XX/XX/XXXX - I need to wait 7-10 business days. 
on XXXX - I went again to the bank to speak with the supervisor, and they told me again 7-10 days to receive the check. and told me if I didn't receive the check by Wednesday, XX/XX/XXXX They were going to look into potential reissue of the check. 
I didn't receive anything in the mail. I called Chase customer service and somebody else told me that because it was a new account, receiving the check back will take a month. I asked to talk with the manager and told me during covid19 no manager is available. 
on XX/XX/XXXX I sent a message to the banker telling him that I need the check back, he told me that he will involve the manager to get this issue resolved. 
on XX/XX/XXXX I went to the bank, but the manager or the banker didn't know what to tell me. She told me she was going to escalate the case. 
XX/XX/XXXX - I went again to the bank and they told me that I need to ask my customer if the check is been cashed or no ( Like the own Chase didn't know where is the money ) XX/XX/XXXX - I went to the bank. The manager called to chase and they told us that they have the money but they won't give it to me. Why? I don't know - Racism - for sure!. They always let me in the end, they always take other clients first. I have always waited over an hour to be seen every time I go to the bank. 
The manager told me I have to call my customer and recall the funds back, they won't do that. They want my customer to go to the office and that is impossible, the office is closed. They only will accept calls from the business phone number. Everyone in the company is working remotely because of COVID19. 
That means that I won't be able to receive the money until covid19 ends and everyone goes back to work from his offices. This is completely unfair. If they didn't want to accept the check they should have given it back and not cashed it and closed my account. 
I am a single mom that has to work from home. I request immediate assistance.

Company response to consumer: Closed with explanation