Consumer complaint received 2018-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018, after a phone conversation with XXXX, Account manager, from Chase Bank in regards to my account being closed, I was to get a confirmation letter that my account was to be closed but I never received a letter. So, on XX/XX/2018, I had went to Social Security located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX at approximately XXXX XXXX. and was represented by agent named XXXX, and to inquire about my benefit payment to confirm about the closed account confirmed to me with Chase bank for XXXX XXXX, ( see attached for Point of Contacting ). The account with Chase Bank was confirmed that it was closed and that the relationship with Chase was confirmed that it ended and that since it's closed, the check paid to me from the U.S. Treasury will be refunded and that was their final conclusion in regards to this account on the date of XX/XX/2018. However, on XX/XX/2018, U.S. Treasury released the funds to that Chase account and did not receive the refund. That's what was informed to me upon checking on the status. So, I was advised to go to a local Chase Bank and get the refund there. On XXXX XXXX, I went into Chase local branch and spoke with Branch Manager, XXXX XXXX, NMLS ID XXXX, and requested released of funds to me or refund the check to the U.S. Treasury due to the account being confirmed by Chase Bank it was closed since XX/XX/2018, and that they ended their relationship and I've showed her all the correspondence that I've received from Chase Bank that they're closing account have been since XX/XX/2018, Chase Bank confirmed that when an account is soon to be closed, it states that it would take 7 to 10 business days for me to receive a confirmation letter and that matter elapsed since the date of that letter. I've done all I could to have Chase Bank refund the check to me in person and even requested that if they can not release the funds to me then return it back to the U.S Treasury but they insisted that they can not do nothing and that they don't have a certified check to make out as a refund. The whole matter is that when Chase Bank confirm that an account has ended its relationship with a client and they admit that its closed, they are to refund any and all checks to the sender or fully refund that check made to that account. I am due a check amount of {$750.00} from U.S. Treasury and Chase Bank is to refund the total amount of that check as confirmed with the Social Security agent from the XXXX location. Chase Bank is a conniving banking corporation and has no morals and no principles with their practices of unprofessional conductings in regards to a clients complaints and failed to address in a professional conduct. I will need Chase Bank to meet their window periods and refund {$750.00} to me immediately or the proper steps will be taken for litigation. Every day that Chase Bank does not refund the amount stated thereof will result in a further fees charged of {$750.00} for every single correspondence and for the effort of retrieving this Fund of {$750.00} including for any out of pocket expense for this matter of complaint or case. I mean I've done all I could since the month of XX/XX/2018 trying my best to resolve the account with Chase Bank there were no progress made but I was getting the run around and that's why I got the Social Security representative to confirm the account for Chase Bank was closed and that they will have to refund the {$750.00} check. I have all that I need that the account was intended for a closing after being verified over the Telephone banking system ( see attachment ( s ) ). I  have requested a Forensic Audit and was declined by the Chase Bank branch manager, XXXX. She left me with no solution instead of kicking me out of the branch. I am further on requesting Chase Bank to release the funds to me by mail as addressed on the confirmed closed account or send my benefit payment for XX/XX/2018, to the sender.

Company response to consumer: Closed with explanation