Consumer complaint received 2022-02-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX Attn : Consumer Financial Protection Bureau ; On XX/XX/2022, I contacted the Chase Bank corporate headquarters for the fifth time since, the outset of the originally complaining conduct of a local Chase branch here in XXXX, FL, for what I reasonably discerned to be, the unfair racial discriminatory denial/refusal, to cash my facially legitimate payroll check of {$870.00} ( check # XXXX XXXX XXXX XXXX ). Irrespective, of me being a longtime 'goodstanding " account holder. As too, just on XX/XX/2022, Chase bank had rendered an online deposit " immediately available ''. Which was issued by the same business. XXXX XXXX XXXX XXXX ; paying funds would ultimately distribute, from the same bank ( XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX And the applicable/relevant check # 's for that check is as follows : XXXX XXXX XXXX in the amount of {$380.00}. So after literally waiting on phone hold for XXXX mins, just to speak with a human representative. I then, unambiguously informed the rep of the incident of XX/XX/2022 ( the catalyst of the instant and all relational complaint ( s ) hereto ). 
Nonetheless, I tried to believe and proceed less adversarial. So on XX/XX/2022, I elected to photographically deposit the previously denied/refused check in my account, with the hopes of having the rightful success in which I had with the initial check. Only difference was, this one was not deposited on a 'business day '. So ... XXXXper Chase list of online explanation, these funds was suppose to be available next business day of XX/XX/2022! To the flagrant contrary. After awaiting post 9 : am buisness day of yesterday. I logged into my account, and not only was the expected funds not in my account. But to add insult to an already exacerbated-INJURY!!! The account had informed ( verbatim ) " WE PUT 1 OR MORE TRANSACTIONS ON HOLD. '' In all candor, I deeply was aggrieved and angered. Because our lives were put on further hold, to the damage to the following in which I forthrightly explained to the representative ( now para phrasing ) ... our child can not be admitted to there regularly scheduled day care attendance, due to me not having the money to pay ( as too, might loose his spot there ). 
As a consequence, my fianc, could not work, due to having to stay home witht the child ( day 2 of loss income to our household ). As well as other hardships and inconveniences, inherent to the immediate absence /unavailability of routinely relied upon income. 
Rather than the representative complying with my direct, firm and unambiguous command to VOID and UNPROCESS, the entire process of processing the check from the outset. In response, the rep incredulously and thus insultingly lied to wit ... '' since the process is in process, she couldn't. Knowing that to be a deliberate lie, I further called them out on it. And furthered my belief, this is a racist bank in which has and still, practicing racist practices, to the disadvantage and detriment of my financial interest ... and now also my family interest! Again, I commanded, the rep to comply with my directives, as I remain the sole owner of the account ; the check ; and the prospective sum of XXXX " And by you keep XXXX on me and telling me its raining '', constitute a breach of contract ; ; breach of fiduciary duty ; and a violation of conversion! And moreover, there is no XXXX way, that an international bank, a member of a globally centralized banking system can not unprocess, any transaction, in which it processed ''. Therefore, you need to stop lying and go ahead and do what has been commanded of you. So I can immediately take the check to the bank in which it was written on, and cash it there without an iota of an issue. Rather than continuing and worsening the crisis in which you generated-despite contracting to do the opposite!

Company response to consumer: Closed with explanation