Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2025 i received a text alert from Chase bank informing me that I needed to contact them to provide information about my account, and if I did not call them then my account may be closed. I immediately contacted the bank and was connected to a customer service representative that informed me that my accounts were restricted and due to be closed within 10 days. I inquired about the reason behind making a decision to close my accounts, because i had just moments before made a transaction. They informed me that they reserved the right to end the business relationship without providing a reason for the closure. 
I have had a relationship with Chase bank for over 10 years, often ignoring the nightmare stories that many consumers had over the years. I defended them as I believed that they were the best bank Ive ever dealt with. Nothing prepared me for what happened on this day. There was absolutely no one that I could talk to about the situation despite being transferred to several different departments. However, i was provided the executive teams information in which I contacted. They informed me that they were escalating the call and I would hear back in a matter of days. 
Meanwhile, I was told during the initial call that there was nothing I could do as they had made a final decision. This meant that I had no access to any money in the account, no access to my online account, no way I could go into a branch and access my money. I called back several hours later and was told that the reason I had no access to anything was because they were still in the middle of investigating, despite being told initially that they had made their final decision. The only thing I was concerned about was the many direct deposits that would later be up in the air while I was attempting to change my direct deposits. I was told that they would keep the account in restriction status and any payments that were to come in would be held and sent to me paper check. They had no time frame in which this could happen and stated that there was nothing else they could do. 
I work every single day, and my employment checks were deposited to this account. I have three XXXX  children each of my daughters accounts were connected to mine due to their ages. My XXXX  payments were deposited into my account. My childrens XXXX  payments went into this account. My tax refund was set to go into this account and due to me having a business of my own, payments from my customers were sent to this account. They stated that i had nearly ten days to have my information switched over and that any payments that came through would either be rejected and sent back to the sender and if my payments were to make it through they would be held and sent via paper check. Again with no answers as to when. 
Average people like myself depend on banks like these to not only secure our money but also ensure that when they are trusted to receive our money we have access to it they have totally disrupted my life. I have four children in the home that need to be cared for and fed. Im unsure how that is supposed to happen after Ive trusted this bank with every bit of earnings I receive. When calling and explaining this situation to their customer service representatives, I was treated so poorly and talked to as if they had no concern about my wellbeing, because it wasnt them faced with this dilemma. Had one representative state that they were from XXXX and she had no clue how this was going to affect me. She then went on to instruct me to call back and ask for a representative in the United States. This practice is unacceptable. COMPLETELY unacceptable that we as consumers are treated this poorly knowing the condition the world is in. What happened to human decency when dealing with money. I trusted them, and just because you dont necessarily have to accommodate customers does not mean you shouldnt.

Company response to consumer: Closed with explanation