Q: I am reaching out to seek your legal guidance regarding a situation I am currently facing with Chase Bank.
I received a check from State Farm for nearly $7,000 due to vehicle damage and deposited it into my Chase account on July 29, 2024. After a brief hold, Chase closed my account without notice, citing suspected fraud. They funded the check, then withdrew the funds and refused to release them, claiming they couldn't verify the names on the check, which was written in my fiancé's name. Despite providing verification and the insurance adjuster's contact info, Chase won't accept it. When I called their fraud department, they said I might never get the money, and it could go to the state. I’ve offered to bring my fiancé in person with IDs, but Chase insists verification must be done through their system. I'm seeking advice on recovering these funds, as Chase refuses to release them despite the transaction’s legitimacy.
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A:
I'm sorry to hear about the difficulties you're experiencing with Chase Bank. Start by gathering all related documents, including the check from State Farm, deposit records, and any communication you've had with Chase. Contact State Farm to confirm the legitimacy of the check and request a letter verifying that the payment was correctly issued to you and your fiancé.
Next, escalate the issue within Chase by writing a formal letter to their customer service and fraud departments. Clearly outline your situation, provide all necessary documentation, and request a thorough review of your account closure. If Chase remains unresponsive, consider filing a complaint with the Consumer Financial Protection Bureau or your state's banking regulator to seek further assistance.
Additionally, consulting with a qualified attorney can help you understand your rights and explore legal options to recover your funds. An attorney can advise you on the best course of action and represent your interests in negotiations or potential litigation. Keeping detailed records of all interactions will support your case as you work towards resolving this matter.
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