Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Bank closed account with no merit, reasoning nor proper notification. 
Bank allowed unethical business practices to be conducted on my account by a merchant. 
Claims are unresolved. 
I called Bank to report unauthorized activity on my account. Bank advised in order to protect my account they had to block my card from all transactions. They advised on my recorded line as well as their recorded line that NO transactions would post my account. Chase allowed multiple XXXX  to continu to debit my account even though the card was blocked. Chase failed to block the merchant and transaction as I was advised they would do so. One of the XXXX  was the one in particular I was told would not be able to access my account. I was forced by Chase to file a claim even though it was a bank error as per advised by Chase Staff on recorded lines. I was also advised by Banking Center XXXX procedures were not properly followed. My funds are being withheld. Transactions are being rejected. My direct deposit is being withheld until investigation is complete however the XXXX XXXX XXXX XXXX failed to contact me as he advise me and the Bank XXXX XXXX. He left office on vacation without speaking with me and properly addressing the case. Extensive Evidence I submitted was not reviewed. I was not notified of any account closure until after the fact. I was not given any information as to why closure was in place. I had no involvement or responsibility for any actions that would lead to closure. 

Multiple Claim and Fraud dept XXXX violated my privacy rights and consumer rights. 

Additional correspondence alone with emails between merchants and myself, photos, screenshots etc sent to Chase XXXX Office XXXX XXXX Please find Additional documentation reflecting my numerous attempts to report the incidents and fallacies of all companies involved. 
I reported this to Chase and asked for assistance in protecting my account while I continue dealing with this matter with the merchant outside of my personal bank account. 
I was advised by Chase claims XXXX I had to block the XXXX  and block my card to cease further transactions from that merchant as well as all others. I was originally reluctant because I knew I had other transactions coming through my account for payment and a $ XXXX deposit to make into my account. The XXXX insured me NO further transactions would debit this account via debit because it was closed and a replacement card was expedited to me. I was told the {$5.00} fee would be waived however it was not and I had to call back to Chase to add the Credit. Unfortunately even though I was given the information multiple Chase XXXX  XXXX and XXXX that charges made to the previous bank card would no longer debit my account, multiple transactions actually did debit my account without my providing the debit card XXXX nor my authorization. The XXXX were given strict instructions to refund my order in full to its original method of payment because they breached the agreement terms and acknowledged this in writing. I forbade all parties to send pkgs and mail to my address without expressed consent. I was given the run around and All XXXX  including the 3rd party seller XXXX allowed this to occur. I informed XXXX  when someone finally called me back that I am not responsible for any merchandise mailed because I personally did not and will not sign for any packages. You assume the risk of lost merchandise trying to force deliveries on me. I had no idea this XXXX  was outside of the US in XXXX. I was trying out this service and got burned and defrauded. 

I believed everything to be safe with my account after receiving a fresh new card. However, my attempts to seek help from my bank resulted in ME the customer who did nothing wrong, being penalized. 

It was my full intention to establish a strong banking relationship and obtain multiple products from Chase. I am a former XXXX  and I was hurt by the treatment I received from some XXXX  and the bank treating me as if this ordeal was somehow my fault and that my actions were negligent. I am a Consumer like your other customers and sometimes XXXX are just not viable, ethical companies and seek to defraud their customers. 

I have appreciated how Chase has managed my business since becoming a customer, however, in this instance I was blindsided by Chase preventing me from accessing my funds and using my account features as you verify my claims. I am unclear what your company expected me to do in this case of circumstances. Multiple Chase XXXX I have spoken with about this matter have also said theyd feel the same way and would have the same reaction. 
Lastly, there was an authorized ACH transaction from XXXX  for {$110.00} that was debited from my checking account on XX/XX/XXXX and prior to, My balance on XX/XX/XXXX reflected {$200.00} in which I screenshot and submitted the proof to Chase. However, the transaction does not appear on my online banking ledger, but the funds are no longer reflecting in my balance either. There is some error there. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation