Consumer complaint received 2023-08-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$5700.00} ( not the exact amount ) on XX/XX/XXXX to which Chase stated it would clear on XX/XX/XXXX. On the morning of XX/XX/XXXX, I attempted to withdraw the deposited money from my account at a Chase branch only to be informed that my account was restricted due to suspicious fraudulent activity and was instructed to call the fraud department to release the restriction. I called and spoke with 5 different Chase representatives throughout the day of XX/XX/XXXX in which 4 of them stated the check was flagged due to something with the signature which I wasn't sure how to resolve as I wasn't aware of any issues with the check upon depositing it. Those 4 representatives stated that I needed to submit a " verified number '' for the check issuer to which I provided what was given to me. One of the representatives informed that the number couldn't be verified and asked if I had another number ( which I didn't ) to verify but there are a few locations in my area and wasn't sure why the number I was given by the store associate wasn't valid. In that conversation, this representative informed me that ALL of my Chase accounts ( 4 total - 3 checking and 1 savings ) would be closed after 10 business days if the check can not be verified which was my FIRST time hearing this although I had spoken with 3 other Chase representatives in the fraud department and NO ONE noted this. All I was told was that after 7 business days if the check couldn't be verified it would be sent back. Additionally, I was not informed that they were was NOTHING they could do to stop the check and that I had to recall it from the business that issued it which I spent most of the day trying to get a hold of someone at the business to help me. No answer. So naturally, I just want to cancel the check and report it as fraud because now it seems I was given a bad check. I mentioned this to the Chase representative in an attempt to let her know I had no idea this was not an authorized person able to write checks and that I just wanted to keep my accounts since I have been a Chase customer since XXXX to which she essentially told me it's my fault for not double checking the check and there was nothing that could be done by Chase unless the check was verified. This SAME person ( from the FRAUD department ) told me that since all of my accounts are restricted I'm unable to transfer money or use the Chase app but that I could go into a branch, explain the situation, and that a banker would be able to withdraw my money from my 3 other accounts that were NOT connected to the deposited check. Upon going back to the bank, for a THIRD TIME, the banker also called the fraud department to which he told me there was nothing he could because the fraud department had not made any notes on my account although I only went back because another representative told me that this could be done. Not only have I struggled with this for a full day attempting to keep my accounts all I wanted to do was have access to the funds in my other accounts at Chase. I'm not even able to access any online system to now report the check as fraudulent because everything has been restricted for me to use. I have had Chase since XXXX and have had THREE of my debit cards compromised during my time with them due to REAL fraudulent activity along with a check that I received for {$6000.00} to which Chase accepted ( it was deposited at the ATM ), made the funds available, verified the check and everything only to REVERSE the entire check a few days later causing my account to go into the negative. This is issue was NEVER resolved even after multiple back and forth conversations which various departments about the situation. This is extremely UNACCEPTABLE as a Chase customer for so long but also for customer service in that NO ONE I spoke with offered any real help with resolving this issue. At this point, I simply either want to keep my accounts, report the check as fraud, and have access to my money.

Company response to consumer: Closed with explanation