Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank employee XXXX XXXX of XXXXXXXX XXXX  XXXX blocked my settlement with Chase bank to settle agreed upon overdraft fees. 

She did so by discriminating against me for having two overdraft accounts agreed to be settled by bank employees multiple times on their phone line. 

She violated NYS statute of limitations by imposing penalties by closing my account for a debt Chase told me was not part of what they wanted me to settle at the branch. She made it very clear by pointing to the screen repeatedly, not typing to open the account, not answering in the affirmative to the phone clearance department, grimacing and being vague and unhelpful when it was finally XXXX XXXX and she had not taken my checks for the deposit and payment to Chase. 

XXXX XXXX XXXX Refused to assist me on 3 visits to the bank - She is a Danger to any regular customer or small biz. She refused to follow Chase policy - after a complaint- Had Chase terminate my account. A corporate employee notified me it was her making calls to close my account. DO NOT TRUST THIS BRANCH or Associate. She will operate behind the scenes. In this case I had just finished as XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Had to get back to Chase to clear up overdrafts. Went in as directed by Chase with checks, XXXX seeing the overdrafts, frowned at me in disgust, refused direction on the phone from Chase clearance, ignoring her clearance call and claiming too late to finish work as it was close to XXXX. Then behind the scenes froze my account and reported me as a risk and closed my relationship with Chase. 
After being out of work for months, her actions were demoralizing and interfered with my recovery of work matters, after saving my friends life. She was HORRIBLE. While being told to return by Chases call center and apologized to three times to remedy I went back, innocently waiting three times to finish my biz at this branch as told to go there.. she hid in bathroom refusing to come out and assist, another day stayed out driving for XXXX minutes on break, and staff apologized .... then saw me, looked annoyed- and told me She was not going to assist as she did not plan to use her computer any more for the day. I had to return three times! thinking too busy.. All the while it was because she had already put in a report to terminate my account with Chase. She had specific directions from the office and refused to follow, until she was able to convince the security department to close my account. 

Was treated as a 2nd class citizen in a high end demographic area due to overdrafts being settled according to Chases main call centers direction. XXXX was furious the call center did not want to collect on a 7 year old overdraft. She kept showing the old debt and and grimacing and refusing to open the account when told clear on the speaker phone call. 

She engaged in Unfair Debt Collection Practices by imposing punitive harm to me to circumvent the Chase call center policy and NYS Stature of limitations. 

Her calls and complaints behind the scenes can likely confirm her actions to her security department. 

The co signer on the account is my best friend, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was there to make any payment request the bank asked to clear my account. XXXX XXXX avoided assisting me over and over, blocked my account, froze my few deposits of meager income for the month and prevented me from settling with Chase as per their repeated clearance and direction. 

She will continue to harm customers that are not high deposit accounts and that have overdrafts resulting from Chase policies and at risk consumers. 

Please investigate her injurious actions.

Company response to consumer: Closed with explanation