Consumer complaint received 2019-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2019 I opened both a checking and savings account with JPMorgan Chase due to a promised bonus of getting {$200.00} for a new checking account, and {$150.00} for a new savings account. To meet the initial deposit requirement, I deposited {$250.00} into the checking account on XX/XX/2019. I initiated a transfer of {$10000.00} on XX/XX/2019 from an XXXX account to the JP Morgan Chase savings account ( due to the requirement of {$10000.00} being deposited into the account within the first 20 days of the account being opened ). I was notified both of my accounts were suspended on XX/XX/2019 via attempting to sign into the Chase Application. I called JP Morgan Chase XX/XX/XXXX and they insisted I visit a branch to prove I had the money in my XXXX account. I met with a banker at a JP Morgan Chase branch location on XX/XX/XXXX. I proved my XXXX  account had sufficient funds ; per the bankers guidance ( I have his business card ) I reinitiated the transfer. I was ensured my account was no longer suspended at that time. 
On XX/XX/XXXX I was notified my accounts were again suspended and my accounts would be closed via the Chase App and upon calling JP Morgan Chase directly after receiving the notice. I also received a letter dated XX/XX/XXXX that my accounts with Chase bank were suspended and closed and that I would not be notified as to why, ever, " at any level ''. At that time I had {$230.00} in my chase checking account, and {$0.00} in my chase savings account. I was ensured via the written letter that no transactions, debts, or transfers would be completed. I was ensured via a phone conversation on XX/XX/XXXX, that no transfers would be completed and that the {$230.00} would be sent to me via a written check. No date was given for the check to be received, even upon request. I have no direct access to my accounts with Chase and have not been able to access the information regarding the suspended checking, savings account, as well as my credit card. 

On XX/XX/XXXX I transferred the {$10000.00} from my XXXX checking account to my XXXX savings account due to the information that the transfer would not be completed per JP Morgan Chase 's both written and verbal communication. On XX/XX/XXXX Chase bank withdrew from my XXXX account, {$10000.00} thus over drafting my XXXX account and thus forcing XXXX to freeze all of my accounts. I am now locked out of both banks. Upon contacting Chase immediately upon seeing the debt from the XXXX account, on XX/XX/XXXX they said that they haven't received the money, but " should '' they receive it- they will send it back within 4 business days. I asked for this in writing, and they refused. I asked if this is a policy, they said no. I do not have faith that Chase bank will return the money to my account- I believe this to be attempted theft. I contacted XXXX bank. They have frozen my accounts and due to the {$10000.00} being transferred between two XXXX accounts I am now deficient {$20000.00}. I have incurred " Overdraft fees '' with my XXXX account.

Company response to consumer: Closed with explanation