Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
This outlines the timeline and specific actions I have taken to recover the outstanding balance from ( late ) XXXX XXXX ( my XXXX  ) 's Chase Bank account following her passing. 

Detailed Chronology of Events 1.Probate Ruling Obtained ( Seoul Family Court ) : I secured a Probate ruling from the Seoul Family Court in XXXX XXXX , officially confirming the inheritance. ( XX/XX/XXXX ) All relevant documents, including the Probate ruling, were then notarized and issued with an XXXX in XXXX XXXX to ensure their international legal validity. 

XXXX. Initial Document Submission to Chase Bank Texas : On XX/XX/XXXX, I submitted the initial set of required documents directly to Chase Bank in Texas via XXXX. These documents included : XXXX XXXX XXXX Death Certificate XXXX XXXX XXXX Identification -Proof of Relationship ( as her father and legal heir ) -A Letter of Instruction detailing the request for account closure and balance transfer.

3. Documents Returned by Chase Bank Texas with Cover Letter : On XX/XX/XXXX, a package from the XXXX ( addressed to me ) arrived at XXXX XXXX. XXXX XXXX informed me on XX/XX/XXXX, that this package had been held since XX/XX/XXXX, due to incorrect/missing phone number information. 

Upon receiving and opening this package, it was confirmed to contain the original copies of the documents I had initially submitted to Chase Bank Texas on XX/XX/XXXX. 

Accompanying these returned originals was a cover letter from Chase Bank, dated XX/XX/XXXX. This letter stated that Chase Bank had copied the submitted documents and was returning the originals. It also provided a phone number ( XXXX ) for any inquiries. 

Note : The return of these documents occurred without any specific update on the status of the account or the progression of my request.

4. Attempted Submission via Friend in New York ( after Probate Ruling ) and Subsequent Return : After obtaining the Probate ruling and its XXXX, I sent these ( along with my identification documents ) to XXXX 's XXXX XXXX XXXX 's friend in New York via XXXX. 

The friend attempted to facilitate the submission to Chase Bank XXXX XXXX XXXX, NY XXXX on my behalf. However, due to Chase Bank staff being on vacation and newly assigned staff being unfamiliar with the case, she found it difficult to obtain advice from XXXX graduate administration staff, and her academic schedule became too busy to further pursue the matter. Consequently, these documents were returned to me by her friends ( XXXX XXXX ) without successful submission to the relevant department at Chase Bank. 

XXXX. Final Direct Submission to Chase Bank Texas : On XX/XX/XXXX, following the unsuccessful attempt via the friend, I directly resubmitted the full set of necessary documents to Chase Bank XXXX XXXX XXXX team in Texas via XXXX. These included : XXXX notarized and apostilled XXXX ruling from the XXXX XXXX XXXX XXXX 

-Copies of my identification ( Driver 's License, Passport, and XXXX XXXX ). 

XXXX. Persistent Lack of Response from Chase Bank : Despite the submission of all requested and relevant documentation through multiple attempts, it has now been approximately 3 months since my last direct submission on XX/XX/XXXX, and over 9 months since my initial submission on XX/XX/XXXX. I have not received any communication, update, or resolution from Chase Bank 's Estate Services team regarding the status of XXXX XXXX 's account or the transfer of the balance. 

Purpose of this Complaint I am filing this complaint with the CFPB due to the prolonged lack of communication and resolution from Chase Bank 's Estate Services regarding ( late ) XXXX XXXX 's account. I seek immediate clarification on the status of the account balance recovery and request the prompt release of the remaining funds.

Company response to consumer: Closed with explanation