Consumer complaint received 2020-08-07 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: NV

Complaint narrative:
On XX/XX/2020 I was unable to login to my online banking account through Chase bank. I called the number listed and they said I needed to go to my branch in person and show them 2 forms of ID in order to get access to my account after proving my identity. I did so the same day, and when I tried to login again I got the same message. I called again, they said that the teller I showed my ID to didnt send in the notification that he had verified it and that I had to go back again. So, on XX/XX/2020 I went back again with my Debit card, drivers license and passport to try to get this resolved and was able to talk to a banker this time. She called the main office and they told her and myself that my account was suspended while they looked into some deposits made to my account, and that my account would be closed in 7-10 business days and that I would receive a certified cashiers check for any money left in my account. I never received any written letter from my bank stating any issues or how to fix them. All contact was done via phone calls mainly done from my end and emails stating that my eBills had been canceled, and then that my account had a XXXX  balance. While this all was happening, I had {$610.00} starting balance in my account and there were 2 deposits made on XX/XX/2020. One for {$1500.00} and one for {$140000.00}. Both of those deposits cleared on XX/XX/2020 for a total of {$150000.00} in my account. When I saw that my account was at XXXX, I called the bank and was told that yes, my account had been closed and that I could expect my certified cashiers check in 7-10 business days, but probably sooner because of the amount, they would send it out priority mail. This call was made on a Tuesday and I waited until the following Monday night to call to see where my check was. On the phone call, I was told once again that yes the check had been issued and sent to me. She asked to verify my address and when I did so, she claimed that it had been sent to a different address. I have only ever used one address and that is the same one that showed up on all of my statements. When I told her this, she assured me that the check couldnt be cashed by anyone else and then placed me on hold where I ended up back in queue and left waiting for another 30 minutes before finally hanging up. It had taken me 45 minutes to get through to her in the first place. I called back again, getting another person after another 30 minutes of waiting and was told that no, no check had been issued and now I needed to talk to their fraud department which was now closed. After numerous phone calls to Chase, I still dont have my money back, nobody will give me the same answers, and Ive been told that I have to wait 2 years now for the money to be turned over to the state at which time I can claim it. They left me with {$20.00} in cash to survive until my next payday which was on the XX/XX/XXXX and didnt even care. They were rude to me on the phone and lied to me over and over again. This is unacceptable when I did nothing wrong.

Company response to consumer: Closed with explanation