Consumer complaint received 2021-03-15
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, location XXXX XXXX XXXX XXXX, XXXX, OH XXXX approximate XXXX est. I was denied funds from personnel checking account after submitting [ thru airtube transport provided at drive thru lane ] 1. personnel photo state I.D [ signed and current ]. 
2. Matching account CHASE debit/visa card 3.Personnal check on matching personnel CHASE checking account, signed front and back. 
A assumed cashier, appears 20 yards away at a window and announces a first name. I announce that what she has proclaimed is meaningless, as she is in a financial institute with full face covered, which is a " felony in progress '' .at which I would not be able to admit it is she, in a court of law. 
Cashier receives, returns after leaving window station and states she is not able to read the writing on the check [ it is cursive ] would I like to write another? 
I make a noise and and reach for checkbook to write another. She leaves window after sending back an empty airtube. I send another check, only signed on front, along with a paper note requesting her to void out last check transaction. 
She returns to window retrieves items from airtube and states she, '' has shredded the first check ''. { completely out of ordinary protocol and other financing product rights ] She quickly states ; '' let me see if I can find it. '' I ask quickly, Please send a transaction statement so I may verify these transactions. " Oh, I haven.t done anything yet. '' she says. I reply, " I want one anyway '' .. she mutters and I hear a word, " manager ''. 
Returns to window and states ' can you give me the code. '' I say, what are you talking about? I gave you 2 checks made out to me for cash, my photo ID and my debit card. 
By the way you need to send back the 2nd check, I did not sign the back. While sending back the 2nd check she is asking about a cell number. I sign check and send back while asking cashier are you referring to the banking contract I have with and the cellular phone number attached to it? It is XXXX *** ****. I am angry now. " If I was to write that check to any stranger, all they need is come to this bank, with check and their ID and you would cash it. '' " I will get the manager '', " we send codes to make another layer of security. '' " No I do not agree to more intrusiveness with my phone, you have more than enough information to process and cash the check. '' Another person fully face, covered appears into the window at a the 20yard distance and claims to be bank manager, " XXXX XXXX '' I tell him that may or may not be true I can not testify to recognizing him as his face is fully covered. " You DO understand that is a felony, you are masked and not allowing me access to my funds! '' { definition of robbery ] ' '' XXXX ', if I gave that check to another person they would only need photo ID to cash it here! '' 'XXXX XXXX ignorant response, '' No, that's not true. '' My reply ", I have given you 2 checks signed in front of cameras and staff and you have my photo ID and debit card all matching and the correct phone number. '' 'XXXX  ' says, 'I can give you my card '' I reply ; Sign the card so I have identification that it is you ', " I WILL NOT '' says, 'XXXX  ' 'XXXX  ' states to me, " you must tell the code or we will not run the transaction. '' " Just give me the funds or I will be calling the Federal Banking and Financial Commission! '' I announce. 
'XXXX  ' laughs and hollers, " NO YOU WON'T. '' 'Are you SERIOUS? I am calling right NOW! ' An airtube arrives back to my car side while, i am dialing to file a complaint, XXXX is saying for me to come INTO the bank and use my debit card inside for the transaction. 
( some how his logic is the only debit card and photo ID will be needed inside, no signed check or code? ) " Absolutely NOT. '' I reply, while being put on hold. 
As I search the airtube for contents, there are 2 fully intact checks, debit card, state ID an an unsigned business card. XXXX 's voice is saying there is a requested transaction statement on its way. 
I set in lane while on hold and take photos of all the cars in lot. 
Federal Finance Commission gives me CFPB to file complaint with. 
Denial of services, attempted felony robbery, [ DID NOT scrap check/Never give a verbal code of acceptance. } changing standards of banking practice at whim.

Company response to consumer: Closed with explanation