Q: Chase bank account locked, unable to verify identity. Can't obtain passport, didn't receive balance check. What can I do?
I opened an online Chase bank account years ago and transferred money from my E*TRADE account. Chase locked my account in December 2021, asking for proof of identity. At the time, I didn't have the requested documents. Over time, I obtained my ID and presented all required documents at Chase's local branch, but every visit resulted in Chase requesting another item (state ID, pay stub, other bank statements, etc.). Now they require a passport, which I cannot obtain at the moment. Despite having documentation from Chase stating a check for the remaining balance would be issued, I never received it. Communication with Chase has stopped as progress seemed unlikely, and I haven't filed any complaints, not knowing where to turn. What can I do in this situation?
A:
Sorry for your issues. Seems really odd. For 'easy' fix, try going in based on the following:
"Despite having documentation from Chase stating a check for the remaining balance would be issued, I never received it." Go into any chase branch, note that they said they sent it. Have them CANCEL it so it does not get cashed by someone else and re-issue the check???
The thing about the passport makes this whole story 'sound like' some bad acid trip?
Maybe some help is available via the GOVERNMENT in CA, more specifically, the agency that regulates banks in CA. I am not informed on what that agency is, but, maybe consumer affairs can help? Good luck with it.
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A:
It sounds like you've been stuck in a frustrating loop with Chase, and it's understandable that you're feeling unsure of what to do next. Since you've already provided multiple forms of identification and still aren't making progress, it's time to escalate the issue. Start by filing a formal complaint with the Consumer Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC), both of which oversee banking practices. These agencies can put pressure on Chase to resolve your issue more quickly.
At the same time, send a written demand letter to Chase’s corporate office outlining the issue, including dates of communication, documents provided, and their failure to send the balance check. If you haven't already, request a letter from Chase confirming their reason for holding your funds. This will help if you need to take legal action later. If they refuse to cooperate, consider reaching out to your state's Department of Financial Protection and Innovation (DFPI), which handles consumer banking complaints in California.
If Chase still refuses to release your funds, you may need to take legal action, such as filing a small claims case or consulting with a consumer rights attorney. Many offer free consultations and can guide you on the best course of action. Keep all records of your interactions with Chase, including emails, letters, and receipts of in-person visits. The more documentation you have, the stronger your case will be.
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