How Do I Unfreeze My Chase Bank Account?
This article tells you about your options if your account with a Chase bank has been frozen. It describes the two most common reasons that your account might be frozen: suspicious transactions and a court order allowing a creditor to freeze and seize money from your account. The article also describes the things you can do in each case.
If you have a Chase Bank account that has been frozen for some reason, read on to find out what you might be able to do about getting the account unfrozen, so you can access your money again. The process might be surprisingly simple, depending on the reason your account was frozen.
Reasons Why Chase Bank would Freeze Your Account
The most likely reason Chase Bank would freeze your account is that it suspects fraudulent transactions and is trying to protect your account. Unusual activity such as an abnormally high number of withdrawals or use in a different state than normal could make Chase Bank freeze your account until it determines if you are behind the unusual account activity. The next most likely reason Chase Bank would freeze your account is a court judgment for an unpaid creditor who has been given permission to take payment directly from your account.
Contact Chase Bank to find out why your account was frozen. Phone, email, help desk, and chat contact options are available.
If Your Account Was Frozen for Suspicious Activity
If Chase Bank tells you that your account was frozen because of suspicious activity, ask which transactions were considered suspicious. If you were responsible for the transactions then the bank should have no problem unfreezing your account once you verify the transactions.
If Your Account Was Frozen because of a Court Judgment
If Chase Bank tells you that your account was frozen because a court has ordered it frozen, your options are more limited. Hiring a good debt collection attorney could be your best bet. Depending on the details of your case, he or she could manage to get the court order vacated, which would lead to your account getting unfrozen. If you cannot afford a debt collection attorney, you can try to negotiate a compromise with your creditor directly. Your creditor might be willing to settle for a lump sum payment or sufficiently high monthly payments.
Bankruptcy could eventually allow you to access your funds again, although that would be a lengthy process. However, bankruptcy will cause a number of problems that will last for years, so consulting with a financial advisor first would be a wise idea.
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