Consumer complaint received 2024-08-02 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:
Here is the updated letter with all the recent details included : -- - XXXX XXXX Phone : XXXX Email : XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Urgent Complaint Regarding Restricted Account and Unresolved Issues with Chase Bank Dear CFPB, I am writing to formally lodge a complaint regarding the unjust restriction placed on my Chase Secure Checking Account ( Account Number : XXXX ) and the subsequent mishandling of my account by Chase Bank . 

On Wednesday, XX/XX/XXXX, I called Chase support and received confirmation that I could open a checking account without any issues. On XX/XX/XXXX, I went to the XXXX XXXX, California branch of Chase Bank and opened the account with the assistance of banker XXXX XXXX. On the same day, I deposited a cashier 's check for my state tax return, amounting to {$13000.00}, issued by XXXX XXXX. 

On XX/XX/XXXX, I confirmed through the Chase automated service that the full amount was available in my account, leaving me with {$12000.00} after a {$100.00} withdrawal on the day of the deposit. On Monday, XX/XX/XXXX, I successfully withdrew {$700.00}, leaving a balance of {$12000.00}. On Tuesday, XX/XX/XXXX, after pleading with Chase and head of support, I withdrew an additional {$100.00}. 

On XX/XX/XXXX, I received confirmation from Chase support, specifically from XXXX, that I could withdraw all my funds at the XXXX XXXX branch, where the bank manager knows me. Despite not having my ID, XXXX XXXX XXXXho clearly recognized me, allowed me to withdraw only {$100.00} and advised me to go back to the XXXX XXXX branch where XXXX XXXX, who opened my account, could identify me. 

On XX/XX/XXXX, I visited the XXXX XXXX branch. XXXX XXXX recognized and identified me immediately. However, despite this, the branch manager refused to release my funds, stating that the check had not cleared, which contradicts the information I received from customer service. Before visiting the branch, I called customer service, and they confirmed that XXXX, the head support manager I spoke with on XX/XX/XXXX, had given the okay for me to withdraw my funds. This discrepancy has caused significant frustration and distress. 

Moreover, on XX/XX/XXXX, while waiting for my funds at the XXXX XXXX branch, I had my friend on the phone via XXXX with the speaker on, who overheard the entire conversation between myself and the Chase management. The branch manager reiterated that my check had not cleared, contradicting the confirmation from XXXX on XX/XX/XXXX that I could withdraw my funds in XXXX XXXX. This clearly indicates that someone is providing false information. 

On XX/XX/year>, I returned to the bank and presented all the evidence proving that the bank was lying about the check not clearing. Instead of resolving the issue, the bank called the police on me. They falsely claimed to have called support and continued to insist that the check had not cleared. They then changed their statement, saying there was a fraud investigation, but refused to provide any of this in writing. This occurred at the XXXX XXXX branch, where I have encountered a different bank manager each of the three times I have visited. 

Despite my repeated attempts to explain the situation and the clear identification by XXXX XXXX, who opened my account and deposited my check, the restriction on my account remains, causing significant stress and hardship. I made it clear upfront that I needed to be sure I could open and use the account without issues, yet Chase has failed to honor this assurance. 

I have asked over 100 times for the bank to give me my money back, and each time they have refused. Due to the mishandling of my account, I am now forced to live out on the streets with my dog as I have no access to my funds. I am currently starving and homeless because of this situation. 

Please help.. 

First responder journeyman lineman XXXX XXXX

Company response to consumer: Closed with explanation