Consumer complaint received 2024-12-27 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:
ON XX/XX/year> ME AND MY MOM WENT TO CHASE BANK TO OPEN MY FRIST CHECKING ACCOUNT, MY MOM JUST MOVED OUT OF HER HOUSE AND WAS GIVEN A {$3500.00} CHECK IN HER NAME, SHE SIGNED THE CHECK OVER TO ME AT THE BANK IN FRONT OF A BANKER, THEY ACCEPTED THE CHECK AND OPEN MY ACCOUNT THEY SAID THE FUNDS WILL BE AVAILABLE IN THREE DAYS THE CHECK CLEARED IN TWO DAYS AND WHEN WE TRIED TO USE THE DIGITAL CARD IT WAS DECLINED.WE CALL THE BANK ANDTHEY SAID THE ACCOUNT HAS BEEN RESTRICTED DUE TO MY MOTHER NEEDING TO BE VERIFIED SHE GAVE THEM HER PHONE NUNBER SHE HAS HAD FOR TWO YEARS AND THEY SIAD THE PHONE NUMBER DOES NOT COME BACK IN HER NAME SO SHE GAVE THEM A STATEMENT FROM HER SERVICE PROVIDER AS WELL AS HER BIRTH CERTIFICATE, SOCIAL SECURITY CARD, IDENTIFICATION CARD, AND HAD THE OWNER OF WHOME WROTE THE CHECK VERFY THE CHECK WAS INFACT WRITTEN OUT TO HER THEY GAVE SPECIFIC INFORMATION THE CHECK NUMBER AMOUNT THAT WAS WAS WRITTEN TO HER AND THERE ACOUNT NUMBER AND STILL THAT WAS NOT GOOD ENOUGH THEY STILL DENIED ME ACCESS TO MY ACOUNT DUE TO A PHONE NUMBER THAT COULD NOT BE VERIFIED TO MY MOM AND NOW THEY ARE SAYING THAT THEY WILL CLOSE MY ACOUNT AND SEND THE MONEY BACK TO THE PERSON THAT WROTE THE CHECK TO MY MOM EVEN THOUGH THE CHECK CLEARED AND WAS TAKEN FROM THERE ACOUNT SINCE WE HAVE CALLED EVERYDAY TO TRY AND FIGURE A WAY TO CLEAR THIS MATTER MY MOTHER EVEN WENT AS FAR AS OPENING A LANDLINE WITH XXXX  WE CALLED CHASE BANK AGAIN WITH THE UPDATED PHONE NUMBER WHEN THEY RAN THAT NUMBER THEY SAID THAT IT COMES TO MY MOM BUT THAT THERE WERE OTHER NAMES ATTACHED TO THE AS WELL WE EXPLAINED THAT THOSE NAMES WERE PROBABLY PREVIOUS OWNERS OF SAID NUMBER EVEN THOUGH THE NUMBER CAME BACK TO MY MOM THEY STILL DENIED ME ACCESS TO MY ACCOUNT WE SPOKE TO A SUPERVISOR ON XXXX XXXX HE TOLD US THAT IT WAS THE 7TH BUSINESS DAY SINCE DEPOSITING THE CHECK AND TO GIVE HIM UNTIL THE FOLLOWING DAY IF THERE WERE NO ISSUES AS FAR AS ANY TYPE OF FRAUD OR RECALL ON THE CHECK THAT THEY WOULD RELEASE THE FUNDS AND UN RESTRICT MY ACCOUNT IT HAS BEEN 3 DAYSS AND STILL NO PHONE CALL FROM CHASE I DID RECEIVE A LETTER STATING THAT MY ACCOUNT WAS GOING TO BE CLOSED IF I DO NOT GET IN CONTACT WITH THE BANK BUT I HAVE BEEN IN CONSTANT CONTACT WITH THE BANK AND STILL NO RESOLUTION MY MOTHER HAS GIVEN THEM MORE THEN ENOUGH INFORMATION THAT I REQUIRED TO VERIFY HER IDENTITY. WE ARE DEPENDING ON THE FUNDS FOR XXXX  SUPPLIES THAT ARE VERY DETRIMENTAL TO MY MOMS XXXX  DUE TO THIS SITUATION MY MOM 'S HEALTH HAS DECLINED SEVERELY HER STRESSING OVER THE BANKS REDICULOUS FACTORS THEY HAVE IN PLACE FOR VERIFYING SOMEONES IDENTITY THIS IS MY VERY FIRST TIME OPENING A BANK ACCOUNT AND THE EXCPERIANCE HAS ME VERY TRAUMATIZED BECAUSE NOW IM WORRIED ABOUT MY MOMS HEALTH MY MOTHER THOUGHT SHE WAS DOING A GOOD THING FOR ME BY OPENING UP A BANK ACCOUNT MY SAYS SHE HAS NEVER HAD TO JUMP THROUGH SO MANY HOOPS JUST TO OPEN AN ACCOUNT HONESTLY I HAVE NO IDEA WHY THIS EVEN HAS ANYTHING TO EVEN DO WITH MY MOTHER SINCE THE CHECK SINCE HAS BEEN CLEARED AND IS ALREADY IN MY ACCOUNT IT SHOULD NOT EVEN INVOLVE HER ANYMORE SINCE SHE IS NOT ON MY ACCOUNT WITH ME I ASK FOR AN EXPEDITED RESOLUTION TO THIS ISSUE DUE TO THE FACT THAT WE HAVE BEEN PUT THROUGH SO MANY UNNECESSARY OBSTACLES HONESTLY I FEEL MY RIGHTS HAVE BEEN VIOLATED AND IM BEING PROFILED RACIALLY AND LAWS ARE BEING BROKEN I FEEL LIKE MY CHARACTER IS BEING TARNISHED AS WELL AS MY CREDIT REPORT ALL DUE TO A UNVERIFIABLE PHONE NUMBER ON THEIR PART WHEN WE HAVE SHOWN LEGAL DOCUMENTATION THAT SHOULD BE ADEQUATE FOR VERIFICATION PURPOSES I WOULD LIKE TO THANK YOU FOR YOUR TIME AND HELP IM A XXXX XXXX XXXX YOUNG MAN TRYING TO ESTABLISH MY CREDIT MY ONLY MISTAKE WAS CHOOSING CHASE AS THE BANK TO DO BUSINESS WITH SINCERELY XXXX XXXX XXXX

Company response to consumer: Closed with explanation