Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am going to be homeless. I started selling off my things on XXXXXXXX XXXX  to get enough money to buy a used car to go back to XXXX so I can get better mental health care. I'm a XXXX veteran with XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX The VA kept cancelling my appointments, so I pay out of pocket for a XXXX  and meds. Anyways, Scammers pretended to want my bed and was able to get remote access to my phone. They got all my banking, and personal information. EVERYTHING. They then emptied my bank account with multiple charges. I cancelled my debit card, changed all my credentials to everything and disconnected all accounts linked to my checking account. I was assured through this whole process that I would be taken care of and they would fix this for me. There were also 2 fraudulent money orders uploaded to my account with someone else 's signature but my name and address on them. It said that they were mobile uploads. I DID NOT upload these money orders, nor have I ever had them in my possession. I used to get checks from the housing authority ( who the scammers were using as the sender of the money orders ) when I did not make enough money at {$170.00} a month to offset the cost of my utility bills. I saved and have EVERY single check that was mailed to me. NONE of them have been altered in any way except to write void on the front and on the back it has my signature, and the phrase " for electronic deposit at chase only '' always written in ink pen. The false deposits had this phrase typed and the money orders look as though the template had been scanned a bunch of time because my information and the amount were substantially darker than the rest of the document. Overall, I had to file 8 claims. After I had changed everything and cancelled my debit card, the scammers were still able to move my las {$100.00} into another account that I have with chase so I went in to the branch and worked with bank officer XXXX XXXX. She issued me a new debit card and rush delivered it and said she would waive the fee. I get an email later that evening at XXXX XXXX. saying that my new account is frozen. I called and they said it was because one of the money orders was dated for the XXXX of XXXX and they had to wait until it was released to continue the claim and my account would then be unfrozen. That day came and went and I called headquarters to unfreeze my account and get the debit card fee waived. They said that the only way I could achieve this, was to go into the physical branch again, pay cash for the card fee to bring the new account positive ( when I opened the account they didn't put any money in it so when they reissued me a card it dropped it negative. ) After this, I was told I could unfreeze the account. I have extreme agoraphobia, and my social worker had to go with me to these bank trips and help manage my mental health through all this chaos. I paid the {$5.00} dollars in cash and the teller said that my account is still frozen so I could wait for a bank officer to become available or I could call corporate from home. I took the home option because of my already triggered anxiety. When I called them, I was then told that they closed my new account and that they were choosing to not bank with me further. I asked why, and they said because I I had too many claims on my account. Well, that's because I got scammed. So they have protections to help people in my position, worked with me all the way through promising they would fix it, even opened a new account for me at the physical bank, but they are using the fact that I utilized these protections as a reason to close my accounts. This is the only bank that is both in XXXX where I currently am, and XXXX  where I'm trying to get back to. It is how I get my XXXX XXXXXXXX payments. I have now been about 2 weeks with no access to any of my money. I couldn't pay me rent or utility bills or even buy food. I also have an application almost completed to increase my XXXX pay. It's back dated to XX/XX/year>. When awarded I will now have nowhere to get the money sent. I will no longer have a physical address and be considered homeless. I was going to use a portion of that money to help pay for a used car tp get home. Now, Chase has ruined everything. They lied to me the whole process and dumped me as a client at the worst possible time in my life, especially with being scammed. I filed incident reports with the XXXX Police Department with corresponding photo evidence proving I was not the one who made these fraudulent charges, including photos of conversations with the scammers and the fake emails they were using, pretending to be XXXX. They also got into my XXXX XXXX and I am working with them to get my money back also. My credit is poor because I just got stable this last year with help from my benefits and was working on building my credit but it is still considered poor. Now I cant pay my credit card bill and my score went down because of no payment. I got scammed, then I listened to the bank and did everything I was supposed to, even with all the evidence evidence and they ruined me almost as much as the scammers. I am now not going to be able to open a new account anywhere because of this and even if I do, they have messed up my ability to get my XXXX back pay when it's awarded which means I cant get a car or pay my bills until my lease is done. There are no other banks here that are in XXXX. I think it would look really bad if I tried to open an account here in XXXX for the rest of my lease, which is up in XXXX and then waited for my back pay to be resent then open another account in XXXX because the bank I would get in XXXX would not have a branch in XXXX This is absolute lunacy. My social worker is scrambling to try and find ways to get my rent and bills paid but the stress of all of this has made me very ill and fearful so I have shut down and been unable to help her. Please help me.

Company response to consumer: Closed with explanation