Consumer complaint received 2022-08-18
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my debit card was denied and I didnt know why, then when I stopped by the branch to make a withdrawal, I discovered the account was being closed but I would still have access to all funds but was denied any additional info. I made a withdrawal that day then had an issue with 2 transactions and called and filed disputes on those on XX/XX/XXXX and was told I would receive a temporary credit, however I discovered the account was locked right after that thru online banking and when I called customer service on XX/XX/XXXX, they assured me that I could withdraw the funds in the amount of {$490.00} at a branch, which was a lie I discovered after driving XXXX minutes out of the way to visit a Chase branch. Once I got to the branch on XX/XX/XXXX, a banker called the chase department that locked my account to ask if I could withdraw funds and they denied my request so I was unable to access any funds I deposited as well as the temporary credit for the dispute I had filed for a charge that should have been refunded by another company. The call center rep told the local chase banker that it would take 2-3 days at most for funds in my account to be verified, then they would issue me a check for the funds that I placed in the account in 2-3 days and the branch banker assured me that it would then be overnighted to me. Additionally, two days after the account was restricted I was supposed to have a refund of {$83.00} processed by the XXXX and it didnt come so I called and filed a new claim for that charge at the agent recommendation. After filing that I received a letter that chase would be mailing a check for the disputes temporary credit while they investigate, but they never mailed a check. So now they have refused to release the {$490.00} balance in my account as well as providing a credit for the refund that should have been issued by XXXX for {$83.00} as well as a {$100.00} Refund that XXXX XXXX has tried to add to my account for an incidentals deposit they mistakenly forgot to refund. It is absolutely shocking to me that a financial institution can lock/restrict an individuals account and refuse to allow that individual access to the funds that that individual was responsible for putting into the account but to have had Chase do exactly that with no prior warning, in fact, they actually outright lied to me regarding my ability to withdraw the funds in the account. I do not believe that Chase has operated in an ethical manner whatsoever. As of today, XX/XX/2022, I have not been able to access the funds that belong to me, not Chase bank, since XX/XX/2022. I am now requesting that Chase bank immediately close the open claims that I have already provided the necessary proof and documentation for so that they can close my account. If they can not immediately close the claims due to the standard claims dispute process, I am requesting that they go ahead send me a cashiers check for the current remaining balance ( overnight as the local banker in XXXX assured me that they would! ) of {$490.00} that is in my account as well as the credit for the XXXX dispute of {$83.00} that they promised in their letter and the XXXX refund of {$100.00} that was deposited on XX/XX/XXXX by XXXX. All of these would be a total of {$680.00}. I truly hope that the CFPB and /or the FDIC will figure out what is going on and prohibit Chase Bank from continuing to treat its customers/former customers in this manner. Thank you in advance for your help with this matter! 
XXXX XXXX

Company response to consumer: Closed with explanation