Consumer complaint received 2022-05-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened account with chase and deposited 5 checks via mobile deposit from the XXXX of XXXX to the XXXX of XXXX. The first check I deposited on XX/XX/XXXX was for XXXX bucks and from a lady for work. Chase cleared this check 7 days later and called to verify the check was actually written by the lady. Then I cashed a 540 dollar check on XX/XX/XXXX from a different company and a XXXX check on XX/XX/XXXX from the same lady that gave me the XXXX both of these checks chase said bounced and said I needed to refer to maker as they had reason to believe they wouldn't be paid. There where two other checks for XXXX  each from the same lady. She was contacted by chase and cleared all check written by her to me. Due to the fact that chase said the XXXX  and XXXX where returned due to the checks not being paid which is what they where telling me I informed them that the XXXX dollar check had been taken out of the ladies account and she hasn't received anything saying those funds would be returned. The XXXX dollar even though the company informed me that it never was debitted from their bank they went ahead and reissued me a payment. On or around the XXXX of XXXX chase again said those two checks didn't clear and that the both where returned due to the bank assuming the checks wouldn't be paid and they also where holding my other payments and saying they where going to close my account due to these checks bouncing. So this is when I had them call and verify with the lady that the check where actually given to me from her and she knew and verified the funds had been taken from her account. Chase as of XX/XX/XXXX has not allowed me access to any of my funds and has attempted to tell me that they are closing my account and mailing me a check for the remaining balance. I also in this time recieved a check image for the checks they say that where returned and am including these images cause of the routing number on the check themselves is the proper one but they have typed in below that a 4 in front of the routing number sysmbol which is an error and most likely has caused the check to be returned with the reason of XXXX XXXX XXXX XXXX XXXX which the XXXX  is for a non exsisting account. Also the check images I have are for the dates of XX/XX/XXXX for the XXXX and XX/XX/XXXX for the XXXX. On the back the transaction detials for the XXXX dollar check show a XXXX XX/XX/2022 XXXX then XXXX XX/XX/2022 XXXX then XXXX XX/XX/2022 XXXX RR-S then XXXX XX/XX/2022 XXXX XXXX then XXXX XX/XX/2022 XXXX RR-S then the XXXX dollar check tranactions are as follows XXXX XX/XX/2022 XXXX then XXXX XX/XX/2022 XXXX XXXX then XXXX XX/XX/2022 XXXX XXXX  then XXXX XX/XX/2022 XXXX RR-S. The maker has no idea why it would have been returned after they debited her account for the XXXX plus the reason Refer to XXXX says nothing about the reason and actually the imaged check states that this check is a legal copy of your check. You can use it the same way you would use the original check. This statement from what I read when returned refer to maker the checks arent suppose to be able to be reused. This error has caused me not to receive the funds for the XXXX and has not be replaced in the makers account either and along with the XXXX caused Chase to not allow me access to my funds from the XXXX of XXXX till now for no real reason they have provided and due to that I have suffered loses from not being able to access my cash with in the legal time frames for cashing checks it has been XXXX business days since I cashed the XXXX dollar check and 5 days for the last deposited check and there is no bounced checks or check that would have been assumed to have any reason not to be paid. They have held my funds not allowing access even after the checks had been verified and have sent me check images stating reason for return is Refer to XXXX and still have my account on restriction this is even after telling me that everything had been cleared up and I would be able to access my funds. They also closed my accounts with out any explanation casuing me to have no access to any online check images, transactions, or statements without prior notice and while there where pending transactions and no wrong doing on my end. This is the worst treatment I have ever recieved from a bank instatuition in my life and very poor customer service. They choose to act rude and disrespectful and even while I was on the phone with them over a recorded call I stated that I was also recording the call and asked the lady on the other end to explain to me the reason they could hold my check for more than the 5 days and she said unless i told her the call wasnt being recorded she could not provide me that answer. Chase is apperantly okay with holding money for as long as they want, not allowing you access even after funds had been verified and everything possibly that could be done has been, tell you everything is all good while knowing you wont be able to access them and then telling with out a reason or notice that your account is being closed. I will never again bank with chase or recommend chase to anyone they are the worst bank ever and have no care for the customer seeing that all there tech support isnt in this country or of forgien race and they dont care to abide by any of the US check cashing laws.

Company response to consumer: Closed with explanation