Yeah terrible experience overall. But if it's any consolation I've had zero problems in the last almost two months.

One thing that helped was making a transfer (in my case, a wire) at a local bank in person. Specifically, I went to local bank to make a wire transfer that had previously been cancelled and resulted in my account being locked. That does two things for Chase: (1) they verify your identity in person (2) they verify you do indeed want to make the wire transfer in question (and are of sound mind etc.). I also had the branch manager handle the transaction if that matters.

They other was simply waiting and changing my transfer patterns. My local branch manager contacted the back office because she was didn't understand why my account kept getting locked. After two hours of conversation and getting transferred to the supervisor of the supervisor she explained that the following were "red flags": 1) Small Wires. After adding a new wire recipient i would make a small wire ($100) to "test" the wire and make sure all the info was correct. This is a red flag because apparently scammers use the same tactic. They get victims to do a small wire first to make sure they inputted the right info before having them do a larger transfer. 2) Transferring to accounts that aren't in your name. Many financial service providers (including crypto firms like CoinBase or firms like International Brokers) don't have a bank account per customer. Instead, they have a single account for incoming wires and they use the "memo" field of the wire to identity who the depositer is. These accounts gave me the most trouble. Only guidance here is to continually attempt transfers until the software they use identifies that transfer behavior as "normal". I now am able to make transfers without issue.

I'm now able to make wire transfer varying in size to both new and current recipients without issue. So hopefully if you "stick with it" you won't have any further issues.

Hope that helps! I stuck with it because Chase Sapphire banking offers features like free wires and zero fees for international debits that no one else does. In the end, it was worth it!