Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Dear CFPB Representative, I am writing to provide an update on Complaint # XXXX, which was transferred from the FDIC. On XX/XX/XXXX, I was informed that I can not add files to this case. I explained that I have new information to include, but my only options were to either cancel the current complaint or file a new one. I do not want to cancel the original complaint, as it contains vital information. 

I am requesting the ability to add an attachment : an email dated XX/XX/XXXX that includes a legible copy of the Power of Attorney ( POA ) document requested by Chase Bank. While on the phone with a representative, I sent the email to XXXX. Yesterday, another representative claimed they still only have the illegible copy. I provided them with the date and email address to which the POA was sent.

The complaint concerns my brother, XXXX, who has an XXXX XXXXXXXX and can not comprehend these matters. The payment in question relates to a relocation resulting from his difficult circumstances. XXXX lived with XXXX XXXXXXXX XXXX XXXX XXXX XXXX years, who passed away in XX/XX/XXXX. After her death, we discovered he had a mortgage. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who secured loans in his name while knowing she was terminally ill. She also removed important legal documents from the home. 

I contacted XXXXXXXX XXXX  and was informed the loan originated with XXXX XXXX. After months of communication, XXXX XXXX agreed to a deed-in-lieu of foreclosure. However, they required the house to be cleaned before approval. XXXX had been living in hazardous conditions with years of accumulated garbage and non-functional items, including multiple lawnmowers and appliances. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX intervened, determining that XXXX could no longer live alone due to his intellectual and physical XXXX. I was the only relative willing to care for him. The deed-in-lieu required extensive efforts to clean the property, and we eventually surrendered the house. However, XXXX faced significant financial challenges, including a balloon payment of approximately {$70000.00} at the end of the loan term, despite paying for 15 years. 

Additionally, Chase Bank has placed undue restrictions on my personal and XXXX 's financial accounts. A check for {$7400.00} from XXXXXXXX XXXX cleared on XX/XX/XXXX after being held for 10 business days. Despite the funds clearing and no reported issues, Chase later restricted the account for suspected fraud. I provided the requested POA and verified my identity multiple times, yet they continue to obstruct access to the funds. 

In a prior incident with Chase in XXXX or XXXX, they restricted my checking account without explanation, collected direct deposits for months, and caused automatic payment failures, severely damaging my credit. This pattern of behavior from Chase has resurfaced, as they now attempt to justify their actions regarding the {$7400.00} check. 

I am including : The email with the POA sent to the Chase representative. 
A link to a recorded call between myself, Chase, and XXXX XXXX verifying the payment details. 
Please look into this matter. Despite my efforts, Chases unjustified restrictions have caused financial distress and hindered my ability to resolve these issues. 
XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX I also had a garnishment on my account, intially chase overdrafted my account for the garnishment. I do not have any over draft on this account, to my knowledge ther is no circumstance where my account should be over draft to pay a garnishment Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief