Consumer complaint received 2021-12-12
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Re : Chase Complain Escalations XXXX XXXX XXXX XXXX XXXX, TX XXXX Case Number : XXXX XXXX Case Worker XXXX ( XXXX XXXX I am writing this complaint with desperation from my deep heart. I am a XXXX of XXXX XXXX XXXX in XXXX, WI. One of many XXXX language schools in the U.S. funded by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX : Administration Staff : XXXX XXXX. XXXX XXXX XXXX started in XXXX in XXXX WI. 

We get the fund from the center annually. This year we got the check from the center in XXXX XXXX. We deposited the check early in XXXX. It took time until our XXXX XXXX registered properly in IRS since our XXXX XXXX has just separated from our mother church due to our pastor retiring. It used to be a part of a church organization. I worked with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX at the Chase branch. She did a great job with us and tried hard to proceed with everything smoothly. The check was deposited with all proper docs and seemed all great. Later, we got a letter from Chase saying the account is closed and the check is held. It said we need to prove that the XXXX XXXX XXXX has opened and existed before IRS registration. I contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, they sent us a copy of proof of organization in XXXXXXXX. I translated it all in XXXX and took it to a local bank to get it notarized but nowhere nearby here could not notarize the document since they did not know XXXX. When I revisited the Chase branch, XXXX XXXX still documented it and sent it to chase head office. As we were doing this, a month had passed and but overall the check was not deposited. I contacted the XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX XXXX XXXX. The check has not been deposited and was held still. XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX XXXX XXXX tried to issue a new check while canceling the original check. They went to the bank to cancel it, their bank said the check had already gone through from their bank side and the money was paid already so they could not withdraw the check. That being said, the XXXX dollar check was held not being processed in Chase. 

XXXX XXXX contacted XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX told her everything was ok, please have the check processed to our XXXX XXXX. Even Though we have tried to get it to go through everything, Chase held the check and did not make it go through. Now the Chase head office asked us to provide the official document of formal letter to poof. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent me the letter to send it to Chase. They said it should be all ok and even XXXX XXXX called me said it would be all ok now. 

However, the check has not been deposited still for the next couple of months. I contacted XXXX XXXX and heard it later. She said Chase contacted the XXXX XXXX XXXX  XXXX XXXX XXXX who was visiting or in XXXX. So they could not get connected to the XXXX, the signed person in the document. Chase denied accepting the document again. I felt very unpleasant and started to even feel discrimination seriously. I understand Chase tried to make everything correct, however, it seemed like they went overboard to investigate not just trying to accept the proof. XXXX, XXXX XXXX XXXX XXXX, and I did everything that they asked us to do over the last 4 months. Chase did not trust the document that we sent and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who did actually all the doc related work. 

I emailed XXXX XXXX including XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX XXXX XXXX, and our accountant XXXX XXXX. Chase sent the case over to Chase Complain Escalations XXXX XXXX XXXX XXXX XXXX, TX XXXX Case Number : XXXX XXXX Case Worker XXXX ( XXXX XXXX Unfortunately, They had not made any progress since the case had been sent over to the department in early XXXX. I tried to contact the caseworker to resolve it about total about XXXX times leaving voice messages and talking to the executive staff everyone I could. Once it got connected to XXXX XXXX XXXX ) for the first time. I appealed about the situation to get it solved. What she told me and the letter I got from Chase was saying that they needed the proof of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is a registered, legal business place. Chase asked us for more and more documents that I cant even ask XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is part of the XXXX government and we are just a tiny language school with XXXX students in a small town. This is becoming clear discrimination. I could not understand and accept they tried to be harsh on proofing the docs. I gave her all the information regarding XXXX, XXXX XXXX XXXX XXXX that you can XXXX all info anytime if needed. 

A couple of weeks after I finally got connected with Case Worker XXXX XXXX XXXX XXXX, she told me that she asked another department to check what she heard was proof of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is not denied. She did not tell me the reason why either, or proper explanations that I could understand. You can XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX you have contact information and map and website, and everything. XXXX XXXX XXXX XXXX XXXX tried to help us really hard. They really want to write a new check to our school to make the school running. 

I am devastated sitting down here writing this complaint seriously about being in the situation of about to **close our XXXX school due to not paying our XXXX active teachers after employment. ( Fall semester started in XX/XX/XXXX, ended XXXX XXXX, XXXX, XXXX school staff has not gotten paid a penny since the check was held. Teachers patiently taught the students without getting paid so far. 

**We are stuck not proceeding with our school accounting book, we have to report the expense of our fund from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX is seriously concerned about this because they also need to finish accounting by XXXX to report to the XXXX Government. 
Our XXXX XXXX is a non-profit organization as a part of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Chase has not put enough effort into proceeding with this issue neglecting it for the last 4 months. 

**Above all, this issue causes a feeling of discrimination that we do not understand the situation fully why Chase does not clearly disclose the process holding the check still with ambiguous and vague reasons. 

**Chase trusts Neither of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX our language school. 


Thank you for listening and please help us to get the Check canceled and release the hold. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation