Consumer complaint received 2015-06-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Regarding : [ Case number : XXXX ] To whom it may concern, Apparently my last complaint letter to the consumer protection federal agency did not go well with Chase Bank. Today XXXX XXXX, 2015. I received a letter from Chase advising me my account will be closed and all funds will basically be frozen for another 2 weeks until someone decides to mail me a check. The letter indicates " we noticed unusual activity on your account or we have n't received information we requested from you about certain transactions ''. I would like to clarify at this time Chase has NOT request any information from myself whether verbally or formerly. The only thing I have from Chase at this time is this letter, which was probably written and mail in last day or 2 and back dated to XXXX XXXX. After receiving the mail today I promptly contacted Chase and spoke to a representative which connected me to a CHASE fraud specialist. The fraud specialist advised me according to the notes on my checking account XXXX ; I must take my tenant ( who does not bank with CHASE ) to a CHASE branch and force her to perform some transaction in the branch in addition to my tenant and myself providing XXXX forms of ID to a CHASE Bank representative to confirm our identities ; and if I did not do this my account would be closed in 10 days and funds frozen, ( I 'm not sure when the 10 day countdown started ). I asked the specialist why CHASE would do this if the tenant or XXXX did not complain of any fraud and especially since CHASE has already received the funds from the tenant account. The representative advised me she does not see any information the funds was in CHASE possession or in my account she advised she believed the funds was still with XXXX, however my tenant did confirm with XXXX XXXX XXXX that the funds were in fact paid or withdrawn from her account on Friday XXXX XXXX, 2015 to CHASE Bank. 
The facts thus far are 1. CHASE is erroneously accusing me of fraud without any proof of fraud. 
1. A valid and honorable XXXX XXXX XXXX check from my tenant was deposited by myself to my CHASE account XXXX and neither my tenant nor XXXX XXXX XXXX is claiming any fraudulent activity after 8 days has past. 
2. CHASE Bank is demanding I drag my tenant who is not a CHASE customer to a CHASE Branch and force her and myself to show XXXX pieces of identification to a Bank representative in addition to my tenant performing a transaction at the CHASE branch to show she can authenticate to her XXXX XXXX XXXX account from the CHASE branch. " OR ELSE '' in addition to them closing my account my funds will be frozen. 
What happens when I drag my tenant to CHASE as they are demanding and show all the ID 's they want and she does her transaction there as they demand, what then will they be happy or feel better about themselves? And what after that? Do they pretend they did n't put me through hoops for no reason? What happens when I get another tenant which does not bank with Chase and pays me {$3500.00} in XXXX month rent and security deposit for an apartment for the XXXX time on CHASE file? Will I be accused of being a fraud again? After all this is the second time in last 3 years I 'm experiencing this with Chase and this particular CHASE branch at XXXX XXXX XXXX it seems to me CHASE does not clear the smoke of past erroneous information they may have added to my account so even after I clear up this situation, this behavior of unprofessionalism may continue and when 'myself ' the customer debunks all the myth the Chase Loss prevention worker has put on my account, it appears to me CHASE loss prevention employee 's have an attitude of 'oh well '. Now I 'm being put in the absolute worst situation at the XXXX hour with a mortgage that 's due and XXXX credit cards and a student loan payment that 's due and all I have to show is a frozen account.

Company response to consumer: Closed with explanation