Consumer complaint received 2021-01-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase was never reprimanded for fraudulently freezing my assets in XXXX after being a customer for 36 years. They caused me financial harm. Now the stimulous payment was released to the closed CHASE account, and there is no way to get it. There is no one to call to help me. Chase did this because XXXX XXXX, at the XXXX Branch of Chase, could not count, and lost {$9.00}. Her manager, XXXX, lied with her, and the two of them conspired to cause me financial harm. Chase then FROZE MY ACCOUNTS, and then pretended ( I have the video recording ) that the reason was because I was on Unemployment, and they did not believe I was on UNEMPLOYMENT. 

They FROZE my accounts, and I did not even have the money to take out to get a NEW account. This means any Unemployment Direct Deposits would Bounce. Now the STIMULOUS payment is in the wind. Chase, on the video, as well as in the letters, said they would " mail me '' my money, which was over {$20000.00}. In a pandemic? When Checks are being stolen? 

Finally, 4 banks later, the XXXX XXXX Chase helped me close my accounts, but I had to travel 90 minutes each way twice to do this. Chase thinks because I finally got my money, that what they did to me is ok. IT IS NOT! 

They need to be held accountable. Chase needs to be fined. And XXXX XXXX and her manager XXXX need to be fired. 

They have caused me even MORE financial harm now that the stimulous payment is lost due to their unscrupulous behavior. 

Help me please. 

Thank you, XXXX XXXX YOUR COMPLAINT I am adding on to my first complaint : On Tuesday, XXXX XXXX, I visited the Chase Bank at XXXX XXXX, XXXX, NJ XXXX ( XXXX ) XXXX I had a cash deposit of {$290.00} dollars, which was {$130.00} in singles, {$75.00} in 5s, {$2.00} in change, 2 $ XXXX and 4 $ XXXX. XXXX XXXX, the teller, misplaced {$9.00}. When I asked her if she had {$130.00} in singles, she said, " I have {$120.00} '', When I asked her if she had 15 $ XXXX, she said, " I have 14 ... oops ... I forgot, this one didn't go into the machine, there is 15. ". At this point, I asked her where is the money that didn't go into the machine. She said, " I can just give you your money back ''. At that point, if you misplaced {$9.00} you are NOT giving back what I gave you, and you even FORGOT you put a {$5.00} on the side. A tall man who usually helps me came over. I even said, " You always help me, and there are never any issues. He said, " well she MISSPOKE ''. Misspoke? She literally misplaced {$9.00}, and forgot that she put {$5.00} on the side? I said I was going to file a complaint. She said, " My name is XXXX XXXX, 2 Rs and 2 Ls. I have been working here for 30 years ''. So on Friday, I am in NY, and I go to the XXXX location of Chase to make a deposit at the window. I am told to " come inside, as my accounts were RESTRICTED! '' They FROZE MY ACCOUNTS because I complained that the teller in XXXX, NJ miscounted my deposit. They would not even let me WITHDRAW my money. They said they would " mail me a check '' in 7-10 days. It's over {$19000.00} of my money they are holding! After 34 years. I had ACH payments and people direct deposit me, including Unemployment. I now have no way to receive money or pay bills! They did this for no reason other than the teller at the XXXX bank and her manager to get back at me. They are holding {$19000.00} of my money, frozen, for NO REASON! The banker at the XXXX branch said : " Chase has decided to restrict and close your accounts. They don't have to give a reason. They do that from time to time. '' Really? In a pandemic you steal/freeze someone's {$19000.00} so they can not pay bills or receive their unemployment money? At least let me withdraw and go to another bank! They said " they will mail me a check in 7-10 days ''. What if the check gets lost? Or stolen? This is {$19000.00}!!!!!! a ) I need to be able to take the money out in person. Not have it " mailed '' in " 7-10 business days ''. b ) They need to be FINED for both freezing my assets out of retaliation, and causing me financial harm c ) I deserve monetary compensation for stress that they have caused, not being able to pay my bills, or receive money from Unemployment, who did direct deposit into my chase account. d ) These are unscrupulous Chase tellers/managers who basically used their position to hurt a customer, freeze their money, all because XXXX XXXX miscounted my cash deposit, and put a {$5.00} on the side and forgot about it. Chase employees should not be allowed to retaliate against a customer, especially if it was their fault. On Monday, XX/XX/XXXX, I visited the Chase branch at XXXX and XXXX. I have 2 videos of this interaction. A rude man read from his computer : " XXXX XXXX is not to open any accounts at CHASE ever again ''. He rudely allowed me to close out the XXXX Savings, but not checking. On XXXX XX/XX/XXXX, XXXX XXXX XXXX put me on the phone with a woman, XXXX, who rudely stated, " Chase does not have to disclose why we are closing your accounts ''. I was escalated to a 3rd woman who said, " we have frozen your accounts because you receive unemployment, and we are investigating you because of this ''. MANY PEOPLE, including myself, receive UNEMPLOYMENT due to the COVID19 pandemic. They have no right to investigate me for this! Or freeze my accounts. 4 Unemployment payments WOULD HAVE BOUNCED! 2 payments for Bills WOULD HAVE BOUNCED! They have caused me Undue Stress and financial harm! Chase needs to be held accountable for this. I was allowed to clear out my biz savings, and personal savings, leaving CHASE with XXXX frozen of my money until I PROVED I WAS THE ONE receiving Unemployment. I made PDFs from my account to show every transaction that was released to me, and XXXX at XXXX XXXX XXXX XXXX called me on Friday, and told me to hurry down and clear out my account before it closed, which I did. I received a RUDE telephone message from XXXX from the Chase Executive Office, to " address my concerns ''. I then received a RUDE letter yesterday from XXXX XXXX regarding my business account, that said " WE'll STOP CONTACTING YOU ABOUT YOUR RECENT CONCERN. At this point, I deserve FINANCIAL RESTITUTION for : a ) Freezing my accounts ( personal ) over a {$9.00} dispute with 2 tellers who miscounted a deposit in a small business checking account, who used their access to my accounts and personal information to cause me financial harm to my PERSONAL ACCOUNTS. b ) Freezing my accounts ( personal ) so that bill pay would have bounced, and up to 4 payments from Unemployment would have ALSO bounced, had I not happened into the XXXX XXXX on XXXX XXXX, as a letter was not received from Chase rudely telling me their were closing my accounts until XXXX XXXX c ) Allowing XXXX XXXX and XXXX XXXX from the XXXX XXXX to have free reign to go into my personal accounts and information to cause me financial harm, when I was using a small business account that did NOT have my personal account information on it. They have access to EVERYTHING about me. All because XXXX was retaliating against me for mentioning that I would file a complaint after she ADMITTED to misplacing a {$5.00} bill. d ) The rudeness of the man at the XXXX and XXXX XXXX, which I have on video e ) The rudeness of XXXX, which I have on video f ) The conversation about my accounts being restricted because I receive Unemployment, and was being penalized and investigated for this, WHICH I HAVE ON VIDEO. g ) The 4 unnecessary trips to multiple Chase branches to get my money out : XXXX ( 1 hour ) plus the 90 minutes to open a new Checking Account in XXXX XXXX plus tolls, gas ), 1 hour TO the XXXX and XXXX XXXX, 30 minutes n the Branch, and 1 hour home on XX/XX/XXXX, XXXX minutes to XXXX XXXX XXXX on XX/XX/XXXX, and 90 minutes home, plus the 2 hours I spent IN THE BRANCH, and 0 minutes to 45 XXXX XXXX on XX/XX/XXXX, and 90 minutes home. I should be compensated for my time, as well as the undue financial hardship and stress that Chase has caused a customer of 34 years. Over 2 unscrupulous tellers who abused their access to people 's accounts. I am also fearful that XXXX XXXX and XXXX XXXX could use my personal information to harm my credit or try and misuse my infomation to cause other Fraud against me, as they already have delved into my personal accounts when the small deposit was made into a BUSINESS account separate from my personal ones. These 2 individuals need to be punished for their actions as well. The accounts that were FROZEN as penalty were my personal ones. And NO ONE should be told during a pandemic that we are FREEZING YOUR ACCOUNTS, will NOT tell you why, then tell you that we are investigating you because you receive Unemployment, which is not really Chase 's business, and tell me they will " mail me a check '' for {$20000.00} which can be easily lost or stolen. I thank you for your assistance in this matter. Although XXXX XXXX XXXX was able to assist me, Chase as a WHOLE still needs to be reprimanded, fined, and XXXX XXXX and XXXX XXXX of the XXXX XXXX also need to be fired and held accountable for retaliation against a customer for mishandling a cash deposit. They had no right to make up lies, and more importantly, rifle through my personal information and personal accounts to cause me financial harm. 

Not only that, but " Chase Private Banking '' has cost me money with their fraudulent investments. The " Chase managed account '' was " mismanaged ''. A banker named " XXXX '' sold my XXXX, when I told him NOT TO back in XXXX. It was worth {$5.00} a share and I had 15 shares. XXXX is over {$3300.00} a SHARE now ... I literally TOld him LEAVE IT ALONE and he sold them anyway ... ..Chase owes me alot more than I am asking for.

Company response to consumer: Closed with explanation