Consumer complaint received 2016-06-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To Whom It May Concern : Today I had one of the most ridiculous experiences with the banking industry that I have had yet, and frankly, I 'm over it. It has literally been a comedy of incompetence and lack of professional concern from start to finish. 

I opened an account with Chase a few weeks ago. I already had a Chase Quickpay account that I used regularly to send money back and forth to my brother. I live in Florida, and currently work in California. I needed to withdraw about XXXX dollars to purchase a car, and Chase did not have any system set up where my brother could approve me for a withdrawal or add me to his account while we were in different states. 

Chase has been prompting me for about a year to open up a Chase account via Quickpay, and that seemed to be the best way to get the money fast, so I opened up a Chase Checking account. 

Before we even left the bank, it turns out people were messing things up and not caring about it. I mentioned my quickpay account BEFORE setting up the new checking account, and ASKED if they could be merged. They said " Absolutely. '' What the employees actually did was just go ahead and delete the quickpay account so I could start a new one with the same email. Over a year of banking records tied to that account and they just deleted it WITHOUT SO MUCH AS A WORD. This is technically mega-fail number one. 

Within days, I cashed a check into this account from another established Chase account ( every single account in this story belongs to Chase, which makes it more ridiculous ). Even though it was from another Chase account, the check did not cash quickly. Four or five days later, I signed into the account and the check showed cashed. I repeat, IT SHOWED CASHED AND SHOWED THE BALANCE IN MY ACCOUNT. 

Last night I tried to sign into my account and check my balance, and found my entire account blank online. I called up, and was told my account had literally been deleted, and could not be told why. 

So I went into the bank today in person to find out What on Earth is going on. I was told the check required some kind of manual verification process, and that they mailed me a letter about it? I was told, even though the check ALREADY SHOWED CASHED, that it was somehow flagged for fraud/manual approval and did not get that approval ; so they closed the entire bank account. 

Best of all, when I went into the bank today to then collect my money from my closed account, I was informed a check had been mailed ( to somewhere I no longer live, and have been telling Chase from the beginning that I do n't live there ), and that was it. I was told they could not cancel the check and issue me the money they disappeared on the spot ( which is probably incorrect, someone probably refused to do it that way because 'Policy and Procedure ' ). Why they even mailed out a check in the first place is weird considering THEY CLAIMED THEY COULD N'T VERIFY IT. 

So in summary : Chase could n't verify a cashed check from Chase account to Chase account, in over 10 days ... 
Chase actually showed the balance in the account, despite the fact they claim the check did not pass manual verification? 
Closed the entire account? FOR WHAT? 
Claim the check was not verifiable, but mailed out the money anyway? 
Failed to correct this comedy of incompetence when it was brought to their attention in person at a Chase location. 
Cashed checks go on and off like light switches with Chase? Sometimes they are approved, and then WHAM, all of a sudden they are not again? 
NEVER ONCE CALLED, EMAILED, OR ESPECIALLY PUT A NOTICE IN THAT 'IMPORTANT BANKING ALERTS ' SECTION IN YOUR ONLINE ACCOUNT. 

All of this other stuff might have been understandable, or acceptable, IF THERE HAD BEEN A HALFWAY DECENT COMMUNICATION ATTEMPT, WHICH THERE WAS NOT, BEFORE CLOSING THE ACCOUNT. These are XXXX Chase fails on communication, dis

Company response to consumer: Closed with explanation