Consumer complaint received 2024-07-10 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:
RE : Chase customer since the early XXXX. 

Greetings, I deposited a check for XXXX dollars to my Chase bank account ( a personal check written by me from my XXXXXXXX XXXX account ). The deposit was made at my local Chase ATM on Sunday, XX/XX/XXXX to cover my yearly XXXX insurance premium with the XXXX XXXX XXXX ( XXXX ). 

XXXX XXXX had put the premium charge through XXXX days earlier than scheduled ( this was an error by XXXX ). When I received an alert that my Chase account was overdrawn by this pending transaction, I drove to the Chase ATM and made the above mentioned deposit. 

The ATM gave me an alert that the funds would be held for XXXX days. I did not have the option to decline this and get my check back, the ATM just took the check and refused to credit the money to my account. 

Usually Chase credits XXXX dollars of the funds upon deposit, but this time nothing was credited. I then went home to get cash ( food money ) and returned to the ATM the next day and deposited the cash to cover the auto payment as an emergency measure. 

I then tried to access my Chase account by telephone to make sure the auto payment had gone through. The call was blocked ( no reason given ), and I was not able to get any automated information about deposits or debits. I tried to access my account online and the same thing happened. The Chase website blocked my access, and I could not see my deposits or debits. 

I then spent the entire day calling Chase bank ( at least XXXX differnt times ), and spoke to at least XXXX different Chase employees who all told me that nothing was wrong with my bank account. They repeatedly told me your account is in good standing and your access is not being blocked. 

I lost an entire day of work sitting on hold with Chase trying to get access to my bank account to make sure my XXXX insurance payment was not rejected ( which later I discovered was rejectedbut thankfully I was able to pay on time by calling XXXX directly ). 

The check that I deposited at the ATM cleared XXXX XXXX the next day, and still Chase has not credited the funds to my account. 

I now want to close my account, and I need to get that XXXX dollars returned, so I can buy food and water this week. I do not exagerate. I do not have money to buy food because Chase took my food money. 

I am filing this complaint with the hope that your organization will do something about this. Chase is targeting the elderly ( I am in my XXXX ), and also targeting widows ( XXXX XXXX XXXX  XXXX  ), and online forums and news articles are filled with stories from elderly vulnerable people Chase is targeting ( primarily by the Chase Fraud department ). 

The Chase Fraud department has targeted me repeatedly in the past decade because I have filed numerous complaints about them for harassement and stalking. That department once seized hundreds of dollars from my other Chase bank account ( now closed ), and I had to go to the District Attorney in our county to get that money returned. It took XXXX years to get that money back and a drafted lawsuit! 

Chase never provided a reason for stealing that money. They simply stated that they were not required to provide a reason. I have a letter from them stating this. 

That first serious incident happened after I filed my first complaint about the Chase Fraud department. 

The Fraud department has since repeatedly blocked transactions for bus and train tickets ( costing less than XXXX dollars when my account had thousands of dollars available at the time ) leaving me stranded and in harms way at night, or over holiday weekends, while travelling. They have often blocked fuel purchases late at night as well. In the past XXXX years I have had to sleep in my car stranded because Chase has blocked my purchases ( always when there is plenty of money available in the account ). They have blocked hotel purchases, fuel to drive home, etc. Always after hours when their offices are closed. 

Yesterday, after an entire day of calling Chase with XXXX Chase employees telling me nothing was wrong with my account, as soon as their bank offices closedthe Fraud department again blocked my account. 

Now when I call, all my calls are directed to the Fraud department. The same department that is harassing me, that I have filed complaints about. 

Chase must be stopped from harassing and terrorizing people in this manner. This is illegal. They are out of control. 

Please demand that they return my XXXX XXXX today. 

Thank you for your assistance.

Company response to consumer: Closed with explanation