Consumer complaint received 2023-04-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Friday, XX/XX/XXXX, I realized I could not access my online banking account. I could not open my C-Corp account containing nearly {$250000.00} nor my personal checking account with around {$12000.00} in it. These accounts were linked years ago when I first opened a business account in early XXXX. 

On Sunday, I sat down to call Chase because I still could not log-in to my accounts. It said I needed to sign some paper work. I spent about an hour on the phone with various departments. They said I was a business customer so they couldn't help me through the retail department. Then the business department said they couldn't help me because I was a commercial account. Then the commercial department couldn't help me because I didn't have a commercial account. I kept being passed around on the phone so I gave up. 

On Monday, XX/XX/XXXX, I visited the closest branch in XXXX, Maryland. I walked in to explain the issue with my personal and business account. They gave me an assistant banker who did not have access to business accounts. She proceeded to just call various Chase departments while we sat at a booth in the lobby area. She found out that my accounts had been restricted because of an incorrect address listed on the business account. The business account had recently been closed without my knowledge. I have never even seen the address listed on the business account in my life. I was then solely worried about receiving the $ XXXX left in this closed business account. I worked with her for an hour before a business banker, named XXXX, came over to assist, and directed me to a private office. 

I was told that I could not receive the $ XXXX check on the spot, but it had to be mailed to the address on file ( which I did not recognize ). I opened this Chase business account online a month ago in light of the XXXX collapse. It took 5 minutes and I immediately was able to wire the funds over. Now a month later, I can not access these funds and the account has been closed without my permission or notification. I ask if I can wire the funds back to XXXX, they say I can only open a new Chase account or receive a physical check. I do not want to open a new chase account, so I choose to receive the check via mail. The bank closes before we can complete this process. 

The next day, I am given a different banker, XXXX. I spend 3 hours with her changing the Business address on file to receive the $ XXXX check at my home address. I am not given any tracking information. I still have not received the check. I still can not access my online personal bank account. 

XXXX from the Chase Branch was supposed to check in on me. He has not. I called Chase on Thursday to make sure the $ XXXX check went out. They assured me it had, but could not provide tracking information. They still could not give me access to my online banking. 

It is now Friday. I can not access my online banking at all, my business account has been closed, and I am waiting for a $ XXXX check to magically arrive in the mail.

Company response to consumer: Closed with explanation