Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

I was in the process of buying my neighbors home. I realized that she did not have a XXXX  account to get her funds wired to when the transaction was completed. On XX/XX/XXXX i took my neighbor into the Chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. We were assisted by " a banking specialist ''. I explained that we needed to open an account for my neighbor because she needed to be able to receive the funds allocated to her and she did not currently have a checking account. The chase worker opened her checking account and we left thinking we were ready to go. Fast Forward to XX/XX/XXXX. We went to the title agency to sign the documents. that was successful and per the worker the transfer should be there before XXXX the same day. XXXX and Her ex husband received his half of the funds, I received my overpayment but my neighbor did not get anything. At this point the title agency called to verify the account information and she said that the transfer was going to be released. We waited. Until XXXX and to no avail the money was not there. We went into another chase located at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX and a gentlemen told us to call customer service because they could not see the wire hold. So we called only to find out that the lady that opened up the account on XX/XX/XXXX opened a XXXX  account that did NOT accept wire transfers. This gentlemen then stayed past XXXX to open my neighbors another XXXX  account that does allow wire transfers. We also learn that chase will have to reject the first wire and send it back to the title company so they can re-wire it to the new XXXX  account. Now we are XXXXXXXX XXXX  on a Friday and my neighbor now has No money ( XXXX ) in her account and now the house is officially mine so she is now homeless too. We realize that my neighbors will not be getting her money and that she has no where to live until they reject the transfer and resend it to the new XXXX  account. due to the stress of this she has a XXXX in the backseat of my car on the way home. XXXX was contacted. I decide to let her stay because at this point I am no better than chase if I kick her out with no home and no money. 
XXXX  XX/XX/XXXX we called and talked to chase and they still stated that there was nothing that they could do at that time that the wire transfer needed to be rejected back to the title company. XXXX  XX/XX/XXXX my husband goes back to the chase at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  and spoke with the XXXX  manager whom was super rude and disrespectful. She stated that the wire transfer was rejected back from chase on XX/XX/XXXX at XXXX and that it would take XXXX hours for the funds to show up at the title agency. Where they could then redistribute the money to the correct account. Checking daily the money still has not been transferred back. On XX/XX/XXXX I called the title company and per the escrow officer the funds were still not in their bank at XXXX. per chase it was 24-48 hours for the money to hit the bank. we are now on day 6 ( or day 4 not counting weekends ) not 24-28 hours. AND still no money and I don't have my house because there are people that are still there due to lack of funds. 

This is obsoletely chases ' fault because I went in and explained to the first lady what we needed the account for and she opened XXXX that did NOT meet the needs. This delay was because of that clerk. I am without my money and without the home and my neighbor is still on the property because the money has not been given back to the title company yet