Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX. I deposited a check to the XXXX XXXX  after business hours so well be posted the next business days as Monday, XX/XX/XXXX. XXXX  usually takes 5 to 7 business dates so it could post and verify the information XX/XX/XXXX XXXX available on the account. So try to make a purchase the convenience store card decline. I went to my local nearest branch. Chase Bank told them my situation, so I sit down with one of the bankers asked for my ID and bank card. Put my information is says oh yes its close. You has been restricted I go. I should be. I shouldve been notified before you guys did anything with my account. So he called the one 800 Number, the represented on the phones was talking to him and what they were saying, and the representative on the phone wants to speak to me. So we decided to close your account on the XXXX but we havent closed yet OK when its gon na get XXXX. We dont know yet, so when are you gon na release my fund we dont know yet. Ask the banker at the branch whos helping me can I speak to the manager she came she was going reviewing my account. She said Chase decided to end our relationship with you and I said OK one 800 the person who was speaking to over the phone right now they said to give me a cashier check. She said they will. I said OK no problem but I told him bye CFPB before anything you do with my account close it whatever you got ta notify me by mail or email and I have not received a letter from you guys she looked. She looked at her colleague. They broke her so that I knew that and shes like oh she gave me the runaround like OK no problem thank you so much so I got up left and she was surprised like shocked like wow so I wrote a letter the next day on the XXXX. I went to take it to branch visit. She wasnt there so I gave it to another branch manager situation and this is a refund check from the school as my name on it everything this is money to buy textbooks, failing all my classes to get a loan or grants from the government you got ta have a GPA average XXXX and above if I dont meet those requirements, I lose all access to those benefits. Sorry I got your fault but thank you. Have a wonderful day. I left a letter indicating I need it written written written statement with the letterhead from XXXX XXXX Chase Bank, indicating when my account is closed and when the police you have 5 to 7 business days to respond to my letter, still not receive no letter from them when I got home I received a letter on THE that was on the XXXX it was written on XXXX XXXX saying for your protection we restricted your account for fraud a couple days later I have an access so I is looking at the account and with the company I deposited the check with I still have in my possession because I did it through the mobile app they sent me a {$21.00} direct deposit to the account. I believe thats the last transaction on the account before they closed it and theres no funds showing an account. I can not access it and they sent me an email saying that I deleted my phone number from XXXX and then the next day they said they deleted it so theyre contradicting themselves XX/XX/XXXX I went to a different branch. I spoke to one of the bankers. She called the one 800 number and she said the counselor open but theyre gon na close it soon. OK when you tell me, but your check should be mailed by Friday with XXXX. I said I go to school I cant cant be missing school. Can you give me a cashiers check now? She said no theyre gon na mail it to you OK no problem. Thank you. Have a wonderful day. XX/XX/XXXX I called XXXX one 800 number and I asked him you know where is my account. I know my account is closed, but I still have not received a letter from you guys stating that my car was closed at the state and when the funds are gon na be released to say I was I spoke to XXXX representative. She said the check looks like youve been altered echo it was to the XXXX bank. I still have the check with me in my possession even with the detachable comes with. Shes too quiet and she hung up on me. Call back spoken to a different person named XXXX. He said oh its fraud we couldnt verify it and the the company who issued a check XXXX XXXX needs to speak to, so I call him right away it says no we dont we dont need to speak to you and they said that something about the check it didnt go through. They cashed it and I go. I know that it process on the XXXX correct so I call back again. I spoke to a different representative and I she called and she was saying that cause I didnt give him no specific time when they were gon na answer bank Mobile, she couldnt wait. She want me to literally call back a couple hours so that so it could be faster but youre saying if theyre not doesnt speak a specific time you think another representative from XXXX is gon na do the same thing no so I call back again today to to do that to you know so they could call them or we couldnt verify it. The numbers different numbers we need the number who wrote the check I go digital bank XXXX XXXX and bank. XXXX is powered by XXXX XXXX XXXX. XXXX XXXX branch under one umbrella so we can not release the funds cause we dont have a specific number to them. Can you provide it whatevers on a check on her that you know you guys supposed to do that research Im at. Im going to. Im doing your work for you. This is frustrating. Been three weeks since the check got deposited a couple more days your accounts is going to be closed and if she doesnt, and I said I still havent received the letter or you guys contact me. My account is gon na be closed by CFPB I need to be notified by mail or email. She just looked shock I said no problem. Thank you so much. You have a wonderful day. Thats when I wrote a letter I wrote made a complaint with with you guys to see CFPB on XXXXXXXX XXXX  Yesterday XX/XX/XXXX I spoke to the representative. She said I told her what was going on my account. She said oh it looks like a shape been modified from the front. I still have to check in my position has not been modified. You want me to go to local branch near me so I could fax it to you shes still quiet, but she didnt say nothing and she hung up on me then I called again right after and I spoke to XXXX his name XXXX XXXX He said its been fraud. Thats why we couldnt hear counseling closed. Cant access the account at XXXX need to speak to you. I said no problem. Thank you so much and asked him his name he gave his name again thank you so much. Have a wonderful day so I called. I called our bank mobile and and I told them no we have no problem and everythings good but they catch a check yes on the XXXX. It was deposited on the XXXX posted on the XXXX. Funds were available in my my car got denied and it was restricted to access no withdrawal deposits, etc. so call back again and I spoke to XXXX and she said she called the number and she said oh Im not gon na wait long because it doesnt have suspicious time how long Ill be waiting for its like she dont want to do her job to take care of this matter situation. Its been ongoing. She said a couple hours when it gets down it could be faster. I call today, XX/XX/XXXX they said they couldnt verify the check or the phone number that were came from XXXX XXXX so thats why my account is restricted whatever theyre considered as fraud. I told him XXXX XXXX  XXXX and XXXX XXXX  is powered by XXXX XXXX XXXX  its in an umbrella Sister bank so XXXX is like an accountant and it says on a check XXXX XXXX as agent and she said I told you we cant do nothing about the little will verify oh yes, you have you close my account. I have 30 days to raise my check. I want to check deposit by and I already made a complaint to CFPB because you guys still have not provided the letter I wrote on XX/XX/XXXX took it to the branch I went a written letter when account was closed and released of funds still no response yeah hes put me a hold. He brought his colleague to a manager and she said that all week and that you got released at the funds after after the accounts closed for 30 days Im protected as a consumer or Customer for you guys Ceser youre following the regulations section E she paused for like five seconds and she put me on she was like we cant verify the number so which is nothing we can do but I said OK thank you so much. You take care. Have a wonderful day.

Company response to consumer: Closed with explanation