Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (IL)

I could not provide an exact date of each of my transactions because they already closed my account and I cant log in anymore. 
I have some money transfer in the account recently, within a short time, because I just upgrade my account, and I XXXX XXXX XXXX XXXX XXXX XXXXXXXX my family want me to have some personal funds and investments, so they give me XXXX XXXX, and let me to change the XXXX  to XXXX, so I upgrade the account, from Chase college to Chase Sapphire, want to use my money to buy CDs. I will attach all those information later. And I told the banker that my money are came from my family, so I need to do currency exchange. 
After I upgrade my account, I send XXXX XXXX  through XXXX transaction to my college friend, and they send XXXX  to me using XXXX, money order, and cash. I can provide all those XXXX  transactions too. And all the money transferred to my account are all under XXXX Name within the previous two months. 
After I exchange all my XXXX  to XXXX, this morning, XX/XX/2024, I want to login in my chase account to buy the CDs, I figured out that my account has been locked. Chase didn't notice me, didn't call me, didn't ask me about the money, didn't do anything, just blocked my account. 
I called chase customer service right after I found out that my account has been locked, the customer service told me, that this is the final decision they made, which is to close my account, and all my money will be send to me using the form of money check, to my address on the account. I asked about the date, they said it will take 10 days to close my account, and take another 10 days to give me the check. I said I am a XXXX XXXXXXXX XXXX, I need my money to pay the tuition, and it's all the money I have, to let me live in the US country, if you just freeze it, what can I use? They said, they have nothing to do with this, just wait. 
I searched up online, about chase close customer 's account, most of the people has this situation happened before, and most of the people can't take their money back within the date that chase promised. So I was panic, and I called chase customer service again, I asked about why they lock my account, the woman said, " there's no reason show up here, is Chase team 's decision, and we would like to end up our relationship with you. '' I asked several times about the money, and when can I withdraw them out of the account, they said 10+10 days. 
I brought my debit card and my passport to the chase branch this afternoon, and I met the branch 's manager, he was really nice, and he told me that he has seen a lot of this case happened, and the reason might be, chase is suspecting me involving in money laundering. And then, the manager asked me, did chase call you, or emailed you before, asked you about this? I said no. I didn't receive a single email and no alert, no one asked me. I was at the branch to upgrade my account at XX/XX/2024, and the banker who helped me didn't tell me anything either. And the manager called the number in front of me, he asked why this happened to a XXXX, and can she withdraw her money, even a portion of the deposit, so she can pay the tuition fee. The answers are no, no, no. And the manager told me the best thing I have to do is just waiting. I really appreciate his help, but now I just want know what happened to my account and when is the exact date I can take my money back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we have a limit of currency exchange which is XXXX per person, per year. I have a brother study in XXXX XXXX, and I am in XXXX. His monthly rent is XXXX, and mine is XXXX. And my yearly tuition fee is approx. XXXX. How that XXXX XXXX be enough even plus our parents '? I am really sad and surprised that no one reach out to me and ask about this.