Consumer complaint received 2020-04-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I recently opened a checking account with JP Morgan Chase Bank, and two days later, they closed the account with no pretense or due process, initially citing my credit score, then backtracking and citing fraud and Identity Theft. There was no fraudulent charges or errors on my side. When I called the Chase Fraud department, they sent me back and forth between departments ( customer service, fraud, claims ) for three and half hours, and they finally insinuated I was not an American citizen even though I gave them my passport card number which is a valid form of ID. An ID issued by the federal government ( Department of State ). Chase said this is not enough to prove identity. This is completely absurd as a WA id is not even a REAL ID according to TSA. Then Chase said the money I deposited in the account would be held and not returned until they prove that I truly deposited the money. The money I earn as a Taxpaying American citizen. Essentially insinuating that I stole my own money from my external non-chase bank account, ( as apparently People of XXXX  like myself don't make money they steal it -shame on you Chase ). Likewise for me to get a new account, I would have to come into the branch and hand in, another valid ID ( as my passport is not sufficient to Chase ). Likewise, they said I could also pull the funds out if I came in, to the branch. This is rich when Corona Virus ( COVID-19 ) is sweeping across the nation and WA state has enacted stay at home orders, and for me driving to the closest branch would be driving to a different county which is very dangerous in these times. As I really need the funds because of COVID-19, I recently drove the 2 and a half hours to the closest branch. Then I spent 2 hours waiting for them to release the funds inside the branch, going against social distancing policies, and the branch manager finally said they could not. The branch manager said the Fraud Department has seized my funds and it will take them 5-10 business days to decide whether they will return the money or if they are obligated to do so. Essentially, the Fraud department XXXX  to me that I could pick up the remaining balance by going into the branch. Chase will not disclose why they are closing the account when there are no transactions on this brand new account. They have disrespected my time on multistable occasions and placed me in a dangerous environment. And insidiously, they have stolen my money, this is literal theft, veiled in XXXX nonsense. 
As someone with a XXXX sounding last name, and who is also a Person of XXXX, this is very offensive, and I would consider it simply, despicable business practices. In summary, Chase saw a XXXX person has opened a brand new account and with no justification or valid thought closed the account, insinuating I'm not an American, that as a person of XXXX I could not earn the funds in my account, and that I am not entitled to the money I earn. Banks have never disrespected me in America, and abroad like Chase has today, and my experience illustrates bad customer service and their problematic XXXX policies. I have no anger with Chase just disappointment and disgust.

Company response to consumer: Closed with explanation