Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
I am writing to formally address a series of issues I have encountered with my Chase account and to seek immediate resolution. 

On XX/XX/year>, I opened a checking account with Chase Bank. A few days later, I discovered that my account was locked. I contacted customer service, who directed me to visit my local branch. When I visited the branch, the staff were unable to provide any explanation for the account being locked. They contacted customer service on my behalf, but I was informed that if an account remains unused for 10 days after opening, it is automatically closed. My account was closed on XX/XX/year>, and I have not been able to access my funds since that time. I was not informed of the closure until after the fact. 

In the following weeks, I attempted to resolve the situation by contacting the branch multiple times. During one visit in XXXX, I was told that the address on file was incorrect. However, I had provided my rental lease agreement with my correct address at the time of account opening. The bank staff were unhelpful and rude when I asked them to correct the error, and I was advised to contact customer service to make the necessary changes. When I called, I was assured that a check for my funds would be mailed to the correct address within a week, but it did not arrive. 

A few weeks later, I received the check at my workplace due to the incorrect address the bank had on file ( which was my work address ). I deposited the check into my newly opened XXXX XXXX XXXX account, only to have my XXXX XXXX XXXXXXXX account locked and canceled because the check from XXXX had been marked as canceled. 

Since then, I have repeatedly contacted Chase Bank customer service, only to receive conflicting information. I was told that the request to correct the address had been approved and that the check was on its way, but then later informed that no request had been made, and no check had been issued. This has been an ongoing issue for over two months. 

As a result of these complications, I have been unable to access my funds to pay for basic living expenses, including rent. This has caused me significant financial hardship and emotional distress. I have had to borrow money from family members and have been unable to focus on my work due to the stress of this situation. The XXXX XXXX branch, where I originally opened my account, has been uncooperative and unhelpful, leaving me with no resolution. 

Please note that all my interactions with XXXX customer service, including those with supervisors, have been recorded, and I am sure they can provide them as evidence to support my case. 

I kindly request that this matter be escalated and resolved immediately. I need access to my funds without further delay and require clear confirmation of the steps being taken to correct this issue. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.

Company response to consumer: Closed with explanation