Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint narrative:
In XXXX, when I was living in XXXX, VA, I opened a Chase business checking account. The account took in money from the sales of my books on XXXX, XXXX XXXX XXXX, etc. and I used that money to pay my business expenses, primarily XXXX ads. I currently live in XXXX. No problems at all with the Chase account until XX/XX/XXXX. 

On XX/XX/XXXX Chase called to say my business checking account had been closed, and refused to give any reason. ( They do not close my business credit card, personal credit card, or personal checking accounts. ) XX/XX/XXXX : Chase sends check for the money in that closed account ( over $ XXXX ) by XXXX. Does not notify me or give my contact information to XXXX. Check sent with the wrong address and wrong recipient, so according to Chases XXXX tracking, the check was undeliverable and so destroyed. They do not notify me of this and I continue waiting for delivery. 

XX/XX/XXXX. Email from Chase offering me {$1500.00} to open a new business account. I receive advertising mail to my XXXX  address asking if I want to open a new account. 

XX/XX/XXXX. XXXX tracking says check undeliverable, will be destroyed XX/XX/XXXX and XX/XX/XXXX I called since no check had arrived. Was given XXXX tracking number ; report says the check was undeliverable and destroyed. Chase refuses to void it and reissue, says I have to come back to the US to submit a Declaration before they will void the check and reissue it. I ask if I could give my business manager ( also my daughter ) Power of Attorney and she could get the check. Chase said no because the account has been closed. 

They say I absolutely must submit a Declaration of Lost Check, but refuse to mail or email me the blank form. 

I ask if I could open a new business checking account and they could deposit it there. They say no, Chase refuses to do business with me ( despite continuing to send me invitations to open a new account ). At that time, I had a personal checking and credit card ( which Ive since closed for obvious reasons ) and still have a Chase business credit card. 

Finally they tell me that my daughter can go to a branch in XXXX XXXX and get the blank declaration and send it to me, which she does on XX/XX/XXXX. 

But the form is a sworn affidavit in which my only choice is to say I lost the check. I never received the check, I did not lose it. I do not want to swear to a lie. I ask why I need to sign an affidavit when I have no actual knowledge of what happened to the check apart from their own XXXX tracking report. 

Call XX/XX/XXXX ( I have a recording ). I object to signing an affidavit saying I lost the check when I never received it. Am told the Declaration is the wrong form. I should send my daughter back to the branch to get a different form, have it notarized in XXXX, and the check will be sent to her address in XXXX. 

Call XX/XX/XXXX ( I have a recording ). Was told money can not be wired because I do not have access to the closed account. Also told that the check had been stopped and they would reissue and send to XXXX XXXX address in XXXX. ( They did not do this. ) Call XX/XX/XXXX ( I have a recording ). I am told to fill out the Declaration of Lost Check, noting that I never received it, scan and send to XXXX Check will be reissued and sent to daughters address in XXXX. I follow that instruction yet no check is sent. 

Call XX/XX/XXXX. ( I have a recording ). Chase claims they did not receive the Declaration and do not recognize the email I was told to send it to. They tell me the form has to be notarized ( though the form has no indication of this ). Am told the Declaration has to be uploaded by a banker and cant be emailed as I was told to do. 

XX/XX/XXXX. Daughter takes the signed Declaration to an XXXX branch, is told its the wrong form. Branch person says shes working on it and will get back to her. 

XX/XX/XXXX. Branch person does not get back to her. Daughter goes back to the branch in person and is told they do not have the form and can not give it to her anyway because she is not the account holder ( though she is on the business credit card and is my business manager and representative ). 

XX/XX/XXXX. I send an email to XXXX, XXXX XX/XX/XXXX. Chase calls me, XXXX is working on the case. 

XX/XX/XXXX. XXXX tells me to send the Declaration to XXXX and they will make sure it goes to the proper office, and they will reissue the check. I send it immediately. 

Call XX/XX/XXXX. XXXX tells me the Declaration has been rejected. 

Call XX/XX/XXXX ( I have a recording ). Was told the reason Chase did not accept the submitted Declaration was that with a US address, I should have gone in person to a branch to submit it. Changing the address from XXXX to the US had been approved by multiple Chase representatives after the fiasco of the original delivery. Am told I need to fill out a new and different Declaration and have it notarized here in XXXX, and they will reissue the check. 

I ask XXXX to confirm that the XXXX  notary stamp is sufficient to release my funds. 

Call XX/XX/XXXX. XXXX calls to say that the XXXX  notary is not sufficient, and the only way for me to get my money is to travel to the US.

Company response to consumer: Closed with explanation