Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, i deposited a check for over XXXX into my business checking account at Chase Bank. Soon after it was deposited I began paying my bills and paying individuals who worked with my business because i had already been behind schedule on my priorities. The following day, my account was restricted and flagged for fraudulent activity so i couldn't access or manage my account nor the funds in it. I called Chase immediately and i was told to visit a branch in order to verify my identity so i could be able to access it again. I went to the nearest branch i could find at the moment, went in, and was greeted by the teller who assisted me that day. After giving him my drivers license and social security, he called another representative from another department on the phone while i was there with him. They asked me a few security questions and I ended up waiting there for about XXXX minutes while they were talking on the phone and sorting things out. I was then told that my checking account was going to be closed and that i would be receiving the amount i had left which was about {$77000.00} as a check in the mail. I kindly thanked him for his assistance and left. 

Days go by and it's now XX/XX/XXXX, so i called for a follow up regarding the situation. I spoke with someone that day in hopes of gaining some assistance but i was told that my account was still undergoing the process of being closed and that a check would be made soon. I call again on XX/XX/XXXX and after being on hold and getting connected with someone i was told, verbatim, that a check had already been made and it was sent on the XXXX. The woman i spoke with this instance said that it would take anywhere from XXXX working business days, meaning that it was supposed to arrive no later than the XXXX. I took her word for it and waited until the XXXX which was last friday. After getting impatient i called customer service again to get some answers. I was greeted by a woman, then she transferred me over to another department and a man helped me that time. I was on the phone for about an hour and after telling him my situation and providing all information necessary he told me that a check was going to be made that day and expedited for me to receive Monday on the XXXX ( today ). 

Now that it has been an entire month later i still have not gotten MY MONEY. I called again today and was greeted by a woman. After explaining everything in detail, even mentioning that i was supposed to receive my check today, she told me to schedule an appointment at a branch and to bring XXXX forms of ID so that i could get the funds. I was very confused because this was a completely different answer from the ones i got in the past. I then go to my nearest branch because at this point calling someone has not been a help at all. I walked in and i wasn't greeted by an actual teller but someone who was assisting those who were waiting to speak to XXXX. She asked me what i needed help with and i told her that i was supposed to be receiving my check in the mail and that it was expedited last XXXX. At that point it was around XXXX and she told me that since XXXX  didn't stop delivering until XXXX it probably just hasn't came yet. She then says that if it doesn't come today then i should return tomorrow for help. I go back home and call customer service again to see if it would be possible if i can get a tracking number or any information regarding where my check is. After being greeted by a man on the phone and explaining my situation and concerns once again he tells me that there was NEVER a check made to my address and that there's a team working on in. He then says I will have to wait XXXX business days for an update. Chase bank has been giving me the run around for over a month even after providing everything possible and verifying my identity and i just need help. i'm quite literally homeless now because i wasn't able to pay my rent this past month. My cell phone is off, i don't have any food, and i had to resort to selling my belongings just to stay afloat.