Product: Checking or savings account

To whom it may concern : I am writing to formally file a complaint against JP Morgan Chase regarding a serious service issue I have been facing. The matter pertains to a check deposit made on XX/XX/, in the amount of {$430.00}, issued by XXXX XXXX XXXX on behalf of XXXXXXXX XXXX XXXX XXXX. The check was deposited through the Chase mobile app and was scheduled to clear by XXXX XXXX XXXX  Unfortunately, the funds have not been made available to me due to an ongoing verification issue, leading to severe financial inconveniences. 

Since the check 's deposit, I have encountered significant challenges in resolving this matter, despite numerous attempts to communicate with JP Morgan Chase. I have made multiple phone calls to their customer service, visited a local branch, and spoken to various representatives in my quest to address this issue. Regrettably, the responses from Chase have been inconsistent and unhelpful, exacerbating the situation further. 

Chase has communicated that they are unable to verify the payee of the check, even after I provided them with valid telephone numbers to establish contact. Despite my efforts to provide accurate and verified contact information, the bank 's system appears to be unable to validate these numbers. Conversely, I have personally spoken to representatives from the payee 's side who affirm that the provided numbers are indeed correct and that Chase has not attempted to reach out to them. 

Furthermore, the conflicting information from both sides has led to a standstill. Chase has refused to release the funds to me, nor have they returned the check. This situation has become more severe, as my account was unexpectedly closed on XX/XX/, due to Chase 's flagging of the check and subsequent account restriction. This abrupt account closure has caused significant financial distress, with a ripple effect impacting various aspects of my financial stability. 

Most recently, during a call on XX/XX/, a Chase representative informed me that although the check had cleared, my account remained restricted, preventing my access to the funds. Shockingly, I was informed that if Chase is unable to verify the check, the funds may be sent to the State of California, and I may need to wait for an extended period, ranging from 3 months to 3 years, to have the matter resolved. The prospect of such a lengthy wait and the uncertainty surrounding my funds are causing me considerable distress. 

To add, I do not understand why Chase is unable to call XXXXXXXX XXXX XXXX XXXXXXXX to verify the payee and funds? Why wouldn't the two banks communicate with each other? Chase is not doing right by their customers and are causing financial hardships that have detrimental impacts. 


I believe that a technical error within Chase 's verification system is at the root of this problem, causing unnecessary distress and hindrance to my financial well-being. I kindly request that this complaint be investigated promptly and a resolution be reached in a timely manner to alleviate the ongoing financial difficulties I am facing due to this issue. 

I appreciate your attention to this matter and the Consumer Financial Protection Bureau 's commitment to safeguarding consumers ' rights. I kindly request your assistance in ensuring a just and swift resolution to this complaint. Please do not hesitate to contact me at [ your email address ] or [ your phone number ] if any further information is needed. 

Thank you for your attention and support in addressing this matter.