Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

I opened a  XXXX   XXXX  Bank Account with my daughter shortly before she reported for  XXXX  at  XXXX   XXXX . After returning from training at  XXXX   XXXX , my daughter visited the ATM to withdraw funds. Her request was rejected due to a  XXXX  balance in her account. My daughter 's account should have reflected a balance of o ver five thousand doll ars. She immediately called me to see if I had taken any funds out of the account. I told her that I had not touched her account, and I would visit the bank first thing Monday morning to investigate the problem. When I visited  XXXX   XXXX  on Monday as promised, I was informed  that a Levy had b een placed on the account due to a judgment against me ( my social security number ). I was dumbfounded. What judgment? When? After discussing the matter with my wife, we went back to the bank to further questioned the matter. We requested a copy of the forms that the bank had to support this action. One of the documents noted Chase Bank as the original holder of a credit card that was issued in my name. I had a gut instinct that I was a victim of identity theft. We immediately left  XXXX   XXXX  and drove to Chase Bank to show them the documents we received from  XXXX   XXXX . We asked Chase to open a fraud investigation immediately. After a couple of months, I received a telephone call from Chase informing me that after completing their investigation, they determined that I was not responsible for this account. Moreover, they informed me that they would notify the credit reporting agencies to update my credit profile to reflect the account deletion. Furthermore, they also promised to send me a letter explaining the result of their investigation. I felt a big since of relief. After receiving the letter from Chase Bank, I took it to  XXXX   XXXX  to show that I was a victim of identity theft. I never filed a police report because the bank was investigating it on my behalf. A representative at  XXXX   XXXX  called the   XXXX   XXXX   XXXX    XXXX   XXXX  in  XXXX   XXXX , California who requested the funds. Chase Bank sold their old debt to this collection agency. The representative from this collection agency was cantankerous with the bank representative and me. The  XXXX   XXXX  bank representative sent for her supervisor to seek advice on how to talk with this collection agency. The supervisor at  XXXX   XXXX  instructed her to inform us that they would open an internal investigation on the matter. When we went back to  XXXX   XXXX  a couple weeks later, we were informed that it was nothing they could do because these funds ( {$5200.00 } ) had  already been given to the collection agency. I called the levy ing officer ( Sheriff 's D epartment ) a t (   XXXX  )  XXXX  to explain the matter. The representative was surprised to hear this news and instructed me to go to the co urt (   XXXX   ) to  share this information with the Judge. We went to the court and was informed that we had to file certain forms to appear before the judge. We visited legal services in  XXXX , California to assist us. They referred us back to the court. It has been  six m onths since they took the funds out of my daughter 's account. They were literally taken on her birthdat e (   XXXX   XXXX  ). I am very frustrated with Chase Bank and  XXXX   XXXX  Bank for not having a system in place to rectify this problem or to guide their customers in these matters. My daughter was savings her funds to purchase a much needed car for transportation between schoo l ( n ew transfer to  XXXX  University  ) a nd  XXXX  for  XXXX   XXXX  training. This problem has decrease our quality of life. My wife and I are having to take turns from our schedules to pick our daughter up for various activities. I am sorry for bending your ears. However, we are under a lot of  XXXX  and our  XXXX  levels are sky high. Please help us enhance our quality of life by getting our funds back