Consumer complaint received 2023-04-06
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
First I went to deposit the check at the bank. The bank teller start to ask me very intrusive questions. After, I asked for a supervisor the supervisor was rude and said its their job to ask questions after I said the questions were intrusive ( which is in video ). I was giving misleading information saying that my check was on a 13 day hold then they said it wasnt. Anywho I left the bank spoke to the check and clearing department and the guy informed me that itll be 24-48 hours for the check to clear, I replied okay. I called back the next morning then I spoke with a representative and she said its showing insufficient funds she basically was saying the check bounced back, then I started laughing and saying theirs no way, then she began to say the funds were on a hold because the bank didnt send the money at that point I started to become very frustrated because I felt as if I was being discriminated against, I already had to deal with discrimination when I deposited the check. I got off the phone with the representative and called the XXXX XXXX bank and they informed me the funds were not on a hold. The representative at Chase was giving out misleading information. 


I called JPMorgan Chase back then I spoke with a supervisor and he verify and cleared that the funds were their but he said he wasnt going to release it, he said he could but he didnt want to be in the office basically saying he would be punished for releasing MY FUNDS. I asked him repeatedly why couldnt he release them and he didnt give me an answer. And hung the phone up in my face. ( I have the whole conversation on video ). Anywho I called again and spoke with someone and the representative informed me that the funds were on an extended hold and they could not be released, the supervisor that hung up the phone in my face put it to where no one could release the funds because it wasnt that way before, he did it to be mischievous.

The representative gave me examples of why banks will do this he said a person writes out a check of {$500.00} to a good person, the good person deposits the check and the bank make those funds available as soon as possible a person writes out a check of {$500.00} to a bad person, the bad person goes to there computer and scan it to XXXX my check amount is XXXX he was literally talking about me he was discriminating against me ans saying I changed numbers on the check. ( I have the whole conversation on video ) I called the chase XXXX XXXX and spoke with someone to add on the report and I began to cry because I felt as if my character was being played with, how dare you say I am a fraud or a con-artist. I began to break down and explain to the representative why I needed my funds released because it was to get the repairs done on my car etc. I also began to explain why people need to be mindful what they say because people are suicidal and they cut themselves etc. She asked me if Iwas okay and I said yes I was I literally just only had a mental breakdown. After I got off the phone with her XXXX minutes later the police show up to my house saying they got a call and trying to get me admitted to the hospital because of what someone said.

Company response to consumer: Closed with explanation