Consumer complaint received 2021-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Re : OCC Case # XXXX -JP Morgan Chase Bank , XXXX XXXX XXXX XXXX XXXX : I write you in further response to the OCCs response letter, dated XX/XX/XXXX ( OCCs XX/XX/XXXX letter ). I attach the letter for your convenience. I write with complete and total frustration. For over 6 months, Chase Bank has taken XXXX  of my money out of my accounts and refuses to communicate anything from me. It is as if the Bank has exercised its largess, closed my accounts, stole my money, told lies to you and the OCC, the one government assistance program that can possibly help me, and told its employees to no longer communicate with me. 

In the OCCs XX/XX/XXXX letter, the OCC advises that the Banks Deposit Account Agreement ( DDA ) allows them to their close an account for any reason, at any time, and without prior notice. I do not dispute this point. It is not the relevant point to this complaint. The issue is that the Bank removed XXXX  in XX/XX/XXXX from my accounts without justification and denying me access and information regarding that money. XXXX from my business checking account XXXX and XXXX from my personal checking account XXXX. 

Most egregiously, in responding to the XXXX XXXX  XXXX the Bank provided false information in addressing my complaint. For one, the Bank stated to the OCC the [ I ] withdrew XXXX XXXX XXXXXX/XX/XXXX, at their branch. See XX/XX/XXXX OCC letter. This is a false statement. As of XX/XX/XXXX, my access to my accounts had been restricted by the Bank. See XX/XX/XXXX Chase letter. In fact, the Bank was the only entity who could withdraw funds from my account after XX/XX/XXXX, and they did. 

Second, the Bank advised the OCC that all [ of my ] remaining funds will be held in suspense and issued once [ the Bank ] completes their internal investigation. This is a false statement. I was personally advised by the Banks Global Security group  on XX/XX/XXXX, that the Banks internal investigation had been closed. This was again confirmed on XX/XX/XXXX in person when a Chase bank employee reiterated this to me after communicating with their back office. 

Additionally, in a letter from Chase corporate office dated XXXX XXXX, they state You must resolve this matter directly with them [ XXXX XXXX ]. Which is exactly what I did and I have confirmation from XXXX XXXX  XXXX Officer, XXXX XXXX, that proves this. Along with a letter from the FDIC that confirms this fact as well. The loan in question was paid in full with interest as of XX/XX/XXXX. 

I am stuck and have no where else to turn to get the Bank to take my concerns seriously. The Bank has stolen my money -- XXXX It has been almost 6 months. The Bank has refused any further communication with me since XX/XX/XXXX. Indeed, the Bank has told its officers and employees to no longer communicate with me or provide me any further information or documents. I was able to photograph a monitor at Chase branch with those instructions from its corporate headquarters and I have this saved for my records. 

I made a good faith effort since day 1 to resolve this issue. I have spoke with 3-4 different Chase Bankers seeking assistance. I have called into Asset recovery, Global Security, Loss Prevention over 20 times each during the course of XXXX thru XX/XX/XXXX. I left voicemails on multiple occasions for XXXX at Global Security, XXXX at Corporate, XXXX XXXX at Global Security and have received no response. A portion of my money was sent to me in form of a cashier 's check that was issued to me by Chase XX/XX/XXXX and expedited via XXXX.XXXX from Corporate left me multiple voicemails regarding this and I have those voice mails saved. This cashier check was deposited into my business account at another Bank. Chase bank put a stop payment on the cashiers check due to fraud and caused over 2 days loss of business while my new bank sorted it out. When I notified XXXX of the issue, he said he would escalate it and get back to me which he never did. 

Where is my money? More importantly, they need to give me my money back now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am financially suffering because of the pandemic and these funds are sorely needed.