Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

In late XX/XX/year>, I tried to make a purchase using my bank card and it was declined. I called the bank and they said the account had been put on hold. There was only around {$600.00} in the account. I live in XXXX XXXX XXXXXXXX and under New York law, I understand you can not freeze an account that has less than {$3800.00} in it. They gave me a number to call a court in New Jersey that issued the account freeze order. I called them and the court gave me the number for the creditor 's attorney. I called them and they said if I wanted to lift the hold I would have to make a payment plan, even after I told them I had never received any court papers and knew nothing about the judgment. I went to the bank in person, but the branch manager was out and no one there could help me. I consulted with a legal services attorney and we called the bank together and asked the bank to release the account. They said they would not release the account unless the creditor 's attorney or the court ordered them to do so. They said they had sent me a letter about the restraint, but I never received a letter from the bank. I asked the bank to send me the letter and the restraint and my account statement to show the amount in the account when it was frozen. The bank ( Chase ) said they would, but they never did, even though we called back and each time were told they were working on my complaint and would send me the documents the same day we called. After weeks, the legal services attorney contacted the attorney in XXXX  and explained the situation. He agreed to release the account and told the bank to lift the restraint. Apparently the creditor 's attorney had served a bank branch in New Jersey and the bank had honored the restraint by freezing my account in XXXX XXXX even though I am a New York XXXX XXXX, the money was earned in XXXX XXXX, and as far as I know, the creditor had never complied with XXXX XXXX XXXXXXXX XXXX for collecting an out of state default judgment in XXXX XXXX  The dates I called the bank were XX/XX/XXXX, XXXX and XXXX. They still have not sent me the documents I requested. When I called the bank, I spoke to the XXXX and XXXX Department. They had no ability to help me and said the only thing they could do was convey what I told them to the Processing Unit. Then they would say the processing unit would resolve the issue in a few business days, but they still haven't. Last time I spoke to them the bank said they were still " working on the complaint '' I am upset that it was impossible to reach anyone who could actually help me, and when I asked the to someone else at the Executive Office or a supervisor, they said they had no numbers to give me. They told me to go to the branch and the branch could contact the processing department for me, but when I went to the branch, the branch manager was on vacation and no one else could help me. It does not seem like I should have to wait months to get information from my own bank about my own account, but that is what happened.