Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the morning of XX/XX/year>, I discovered that {$1300.00} in my Chase personal checking account had been frozen. I immediately contacted Chase by phone but was given limited information and told to visit a branch to obtain documentation. I went to XXXX separate Chase branches before finally receiving the legal paperwork, as the first XXXX branches lacked sufficient staff to assist. 

Upon reviewing the document, I discovered that the freeze was based on a court order issued against my mother-in-law, XXXX XXXX. She is not an owner, joint account holder, signatory, beneficiary, authorized user, or otherwise associated with my account, and she has no legal or equitable interest in the funds. I am not the debtor named in the court order. 

I promptly contacted XXXX Legal/Levy Processing department and explained that this was an identity mismatch and that the restraining notice had been improperly applied to my account. Despite this, Chase maintained the freeze. 

On XX/XX/year>, Chase lifted the initial {$1300.00} freeze, but on the same day immediately re-froze {$27000.00} in my accountagain based on the same legal document and the same identity mismatch. I again notified Chase that this was improper and that I was not the judgment debtor. My concerns were not addressed. 

On XX/XX/year>, at XXXX AM PST, the actual debtor, XXXX XXXX, filed for XXXX  XXXX bankruptcy. I immediately notified Chase Legal of the filing and provided the case information. However, when I followed up the next day Chase notified me that this call was not properly documented and there were no notes of my XX/XX/XXXX call. 

Between XX/XX/XXXX and XX/XX/XXXX, I repeatedly faxed the bankruptcy filing to Chase, including rush and same-day faxes, and followed up by phone multiple times. During this period, Chase repeatedly stated that it could not locate the faxed documents, despite them being sent correctly and with confirmation. Only late on Friday, XX/XX/XXXX, did Chase finally acknowledge receipt of the bankruptcy documentation. 

On XX/XX/year>, I contacted the creditors attorney, XXXX XXXX XXXX, XXXX, regarding the improper restraint. I received written confirmation that his office had withdrawn the restraining notice and instructed Chase to release all affected accounts. I immediately faxed this withdrawal letter to Chase. 

From XX/XX/XXXX through XX/XX/XXXX, I was required to repeatedly fax the withdrawal letter and make numerous follow-up calls before Chase acknowledged and began processing it. Throughout this period, I emphasized the urgency and the lack of any legal basis for the continued hold. 

As of XX/XX/year>, my account remains restricted. I am now spending XXXX XXXX filing this complaint because Chase continues to delay releasing my funds despite clear notice of an identity mismatch, an automatic bankruptcy stay, and a written withdrawal from the creditors attorney. 

I am requesting immediate release of my funds and confirmation that no further restraints will be placed on my account based on third-party judgments to which I have no legal connection.

Company response to consumer: Closed with explanation