Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I live XX/XX/XXXXand on the XXXX XX/XX/XXXX2025 I logged into my chase online account after being blocked for a number of months. 

When I logged in there were no funds in my account, as I was on the phone having them unblock it I asked where are my funds, they told me the account was dormant and would need to be reactivated in a branch in the XXXX which is impossible for me as I live in XXXX. 

After numerous calls I was told the same thing and that if I did not get to the XXXX by XXXX my funds would be escheated. 

I then found a XXXX thread that informed to email the property abandonment department on XXXX XX/XX/XXXX2025 and to call and ask for a senior supervisor. 

I received confirmation that the funds would not be escheated from the email address and the senior supervisor made my account active again. On signing out of my account as my laptop fell asleep I tried to log back in, when I tried to log back in my account was blocked for " suspicious activity ''. 

I rang chase again and they told me that it would be unblocked internally in two working days so she said by XXXX XX/XX/XXXX 2025 I would have access to my online banking. I tried to log in on this date and it still said blocked and to call the number to unblock the account. I waited until today XXXX XX/XX/XXXX2025 incase they had not got to my account, the customer service supervisor told me she could not unblock my account without my debit card number ( a new card was sent to a XXXX address and I never received this and do not have the card due to Covid-19 ). I told her I don't have it but I have my account number, my social security, my passcodes, that I was ringing off the phone attached to my account and was happy to email across a copy of my passport she said no that she could not activate it and that I would need to attend a branch with two valid forms of identification. I then asked to speak to a senior supervisor, this woman XXXX asked for my passport number from when I opened the account in XXXX, I told her it was expired and I have my up to date one she said no, I told her I didn't have it and she said let me see if I can authenticate you another way and if I could hold, she then came back and asked for the employers name the account was opened with, I gave her a list of employers I had during that time and she said no none of them were the ones she had. I asked if she could tell me did she want the company name or the registered business name, she said that would be providing the answer, I said no it wouldn't as I would still need to know the company I am only asking what method of verification you are asking me for as alternatively it is searching for a needle in a haystack when I've worked for numerous employers since XXXX. 

I then found my old passport and called back, she then said what was your employer for that time and I said excuse me previously you said I only need one of those documents of which she replied no the system is prompting me. I then was so frustrated I said so you won't accept my current ID, my personal information, the fact I have my passwords and codes to login what on earth am I suppose to do to get back into my account. 

She said she would try schedule a call for someone to call me back but that they don't call XX/XX/XXXX numbers. 

I'm at a total loss here, historically chase has blocked my account every few months as I live XX/XX/XXXX, I've never had to jump through so many hurdles to access my own property, they never even put me on notice that they made my account dormant as I did not use it as I was not in the XXXX during Covid-19. It appears Chase is a financial institution that just misappropriates their client 's property in broad daylight. I truly am hoping you can assist in this matter. 


Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation