Consumer complaint received 2025-08-10 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:
I opened a new checking account in person with a banker XXXX at Chase Bank XXXX XXXX XXXX XXXX  XXXX, CA XXXX on XX/XX/year>. I presented two forms of ID, My S.S card and my CA drivers license. Before giving requested contact information I clarified if I would need access to any email or phone to receive verification codes, the banker said not I would not.I continued to provide updated contact information such as preferred mailing address and phone number.We also discussed my previous closed account that was charged off and prior to applying for my new account called into Chase bank department to review ands inquire of any potential complications. Chase department verified and with certainty allowed us to proceed with new checking application which was approved same day. I also Made a Chase check deposit from XXXXXXXX XXXX order to pay to my name of {$12000.00}. The banker congratulated me and stated the full funds were available same day with no withdrawal limits at any of Chase branches. I proceeded my day and decided to withdraw at the XXXX location. The teller/banker suggested the amount was too high and to attempt to withdraw smaller amounts. Fatal Error kept restricting my account and access to my funds. I spoke with Branch Manager at XXXX an he insisted that by attempting to withdraw any amount same day of deposit was a fraud red flag in the system. He advised me to return to XXXX  XXXX branch. At XXXX XXXXXXXX branch I spoke directly with branch manager whom suggested I violated withdraw limits by attempting to multiple withdraws same day and that I should wait til the next business day to try again. Today XX/XX/year> I returned to XXXX XXXX branch where XXXX XXXX helped me set up digital/ mobile banking. It was during this process were I noticed Chase bank was using my close account credentials such as log in usernames, oils emails, and phone numbers I no longer use for personal information. This in itself created security concerns in chase system but was not in my consent as I have thoroughly provided updated preferred contact information. XXXX had me use an ATM to withdraw to where then I was prompt to call in to fraud department. Fraud department had me get with a banker so they would call from branch to review my account. Once with XXXX XXXX he immediately kicked me out of the building with no explanation except my account was terminated and that my funds were to be mailed out to another address other than my preferred mailing address. XXXX provided a phone number to call in to request update to my account status. I called and it was fraud department whom I explained I did not understand Chase banks decision to terminate my account but I would need my funds delivered to my updated and preferred MAILING address. XXXX representative advised me to return to the branch and request my refund check to be mailed to my mailing address because it was currently to be mailed out to another address ( which I made clear not to receive mail. ) I returned to only be refused any communication by XXXX XXXXXXXX branch by any leadership and was abruptly asked to leave with no further explanation or advice. The supervisor XXXX told me that even though I presented ID and social ( the only two forms do ID to open theaccount ) that i failed to respond to the verification code sent via phone number, which was then explained not the current number i had provided at all neither upon new account application nor updated mobile banking info, it was a number no longer available associated to a previous closed account.Supposedly Chase will contact me this following week to update me with more specifics and destination of cashiers check to refund my remaining balances of my now terminated account.

Company response to consumer: Closed with explanation