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.

Why Did GetHuman Write "How Do I Unfreeze My Chase Bank Account?"?

After thousands of Chase customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Unfreeze My Chase Bank Account? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Chase if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Chase Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Chase in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Unfreeze My Chase Bank Account? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.


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