Consumer complaint received 2025-07-18 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:
Towards the last day XX/XX/XXXX. I found out my checking had been restricted by chase bank. The gentleman i spoke with put me on hold to find out why my account was on restriction. When he returned he hold me my account was under review as 'we ' speak ( referring to he and I speaking at that particular time ) and that my account has been closed and to come in and close my account ( at any chase branch ) and upon closing my account i would also recieve my direct deposit of my XXXX  XXXX XXXX but due to the type of benefits my directed is I was required to wait four days before i would be granted my benefits ; also told I had to wait 4 days to do this for these type of benefits. ( The XXXX day fell on a Sunday ) The following XX/XX/XXXX I went to the XXXX XXXX branch. I had no problem closing my account but the lady who was helping had no idea about me picking up my direct deposit. She made a phone call and was told my deposit was returned to SSA ( " for the full amonut '' ) and it will be 7-10 days for it will show its at the SSA office due to having ti go threw the SSA system XXXX On XX/XX/XXXX I called SSA ( after checking my mailbox expecting something from SSA. When I got threw to speak to someone I was informed my benefits were not returned and they knew nothing pertaining to my account being closed. I was told to go to the bank and have them write me a letter to let them know that my whether or not my benefits were there or/ and when did chase send them? Ok so I got a running around, a bunch of double talk, on the phone for close to 2 hrs and 3 different compartment. I was finally told ( surely by mistake and not knowing what to tell me with me being persistent ) It is their negligence ( chase 's ) as to why my funds not only have not been released from their bank ; after all the account had been closed. But he could not letting me know what the hold is. So I insisted on speaking to his supervisor. Now this lady ( putting lady mildly ) tell me my funds will be released to me within 7-10 days. So I went to pick up a letter from Chase ( I forgot to mention SSA told me they would do a round about way to another directed deposit checking account that I provide for them when I bring the letter in ) I spoke with the same lady. She recalls me coming in on XX/XX/XXXX. And she could not understand why my benefits had not gone back to SSA. She placed a few phone calls and she could not come up with any answers. She could not write me a letter and could not find anyone that worked for Chase ( She also was inquiring ) that could/would ( i am not sure i wasn't asked at that time to be on the phone line ) provide me with a letter ) After her getting the running around for a hour ; she escorted me to another desk so I could talk to someone in a different department. As she called a phone number and went to assist someone else. The person on the other end of the phone did not want to talk with me w/o the lady that was assisting me ( in the XXXX branch ) and when I called her she came back to went i was sitting. There holding a phone reciever to my ear and not hearing and not being included in what was being said. She ( the lady at the cypress branch ) had made four phone calls and had to ask the person and/or persisting to give the party on the other line her own personal security code. She also was had became persistent in wanting to know what was going on and why or who can furnish me with a letter stating Chase does still have my direct deposit from my XXXX XXXX XXXXShe too had let them know they are hindering me from paying my rent and as she voiced to the person on the other line. " This lady is about to be relocated ( homeless ) due to Chase 's negligence and she herself can't understand why someone wont/cant give me a letter. I never once heard account closed out but heard account under restriction.I lady came from out of the back ( neither of us were expecting her ) and advised the lady that was helping to give me a web address. She knew was so put out she went to her desk and told the lady that came from the back to handle giving me the information for the web address. So she went to the back and came out with a piece of paper and telling it it was the web address for Chase 's legal ( something or another ) to go on the web site and it would print me up something ( I am still not understanding ) oh yeah and I will recieve the print out in 7 days! Also Chase will not give me a letter on or off Chase 's letter in any case.

Company response to consumer: Closed with explanation