Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had a bank account with chase that was holding my savings account money and my checking account money both in good standing. I went to go pay rent and had no access to my accounts. They said that my accounts were closed and they couldn't tell me why. I received a paper in the mail way after this happened stating that if I didn't contact them they would close my account due to fraud and it was back dated to be around the time frame before the accounts were closed but didn't get sent out till way after accounts were deemed closed. I was not notified of anything going on nor was I allowed to gain access to my money. I was told my accounts were closed and that's all they could do for me. I cried and begged in a chase bank that I would lose my housing if my rent wasn't paid. Which I ultimately did and have been going through hardship after my last two paychecks from a job I was just losing around the same time were deposited into this account that was supposed to be closed and I was receiving XXXX transfers as well into my account that I had no access too. Cards didn't work as well as the banking app didn't work, nothing worked for me including the card on my mobile wallet. I went to pick up my paychecks at my now previous employeer and they told me it was depsosited into my bank account on file. How could it be? I no longer have money at this point. Chase took my savings my checking and my paychecks from my job I lost and now I have no income and nothing to lean on. I lost everything shortly after and was homeless in my car. Just can't grasp why my bank account was still being charged for subscriptions and money was being moved around my accounts essentially in and out of the account. I'm pretty sure that isn't legal and I want to be clear that after months of talking to countless people and getting promised my money back even being told someone in this company was most likely responsible for this since they could see a closed account with funds in it still. Every conversation being documented would all of a sudden change to not documented once being promised a check expedited to me with the funds that were sorted out in being rightfully mine and the fees I received from my account being not actually closed like I was told to be taken off since it was not my doing or my fault. Not having control or acccess to an account that is yours then being told they wont release my money to me hurt badly. I begged for some of it since I had just got paid and I was granted XXXX $ from the banker who felt bad and said that's all he can do, but before I left he informed me that this could be due to fraud. I Then was sent a check for XXXX $ after many long months of trying to figure this out with corporate and was told after constant communication that they will need the money back because there was no fraud after the investigation but yet that's why my account was closed down due to fraudwhich they later confirmed it was in a letter. I also have a paper showing the fraud company listed changing the description of phone number and place of address changing with each deduction from my account taking place. I want to know why this happened and to make sure it doesn't happen to anyone else. I experienced XXXX with my XXXX dogs and partner since I was the soul propvider and what I had in place to get us through the next few months with a roof over our head was taken from me.

Company response to consumer: Closed with explanation