Consumer complaint received 2021-01-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around XX/XX/XXXX, somebody who claimed that he worked at Chase XX/XX/XXXXXXXX branch office called me and told me if I deposit a large amount of money into my Chase account, Chase will deposit some money into my Chase account as a reward. I also received an email and several morecalls like this from Chase XX/XX/XXXX XXXX branch. I did not think that much about this at the time, because I could not findthis on Chase website. 
However today I thought about it, and it almostseemed like there were some strange or illegal things happening at Chase XX/XX/XXXX office. I listed some cases involvingChase below. 
1. Today XXXX XX/XX/XXXX XXXX, I used the check to transfer {$900000.00} XXXX XXXX XXXX XXXX dollars XXXX from Chase to my XX/XX/XXXX account. When I deposited the check at XX/XX/XXXXcounter, I was told that this deposit should be available on XX/XX/XXXX! I was shocked by this! It will take 8 business days. Before I went to the XX/XX/XXXX office to do the deposit, I tried to transfer using Chase online banking, but it only allowed {$100000.00} ( XXXX XXXX XXXX ) per day, and it will be posted after two business days. So I have to go to XXXX to do a large deposit. I asked the XX/XX/XXXX cashier why it would take so long, she told me that XXXX needed to contact Chase to release the found to them first, and Chase needed a long time to do that. Then she processed my deposit, but she did not tell me anything about my deposit again. After I went back home, I checked my deposit receipt. One is Client Receipt which reads deposit XXXX on XX/XX/XXXX, XXXX XXXX, XXXX, IntRef XXXX, for the hold, see hold notice. The other is a hold notice, on this hold notice, without the hold code, reads {$5300.00} avail XX/XX/XXXX XXXX, {$890000.00} avail XX/XX/XXXX XXXX, but where is the other {$220.00}? On XX/XX/XXXX XXXX, I just checked my Chase checking account, the amount XXXX was be held by XXXX XXXX but if it is as XX/XX/XXXX told me, this amount should be posted at XX/XX/XXXX account on XX/XX/XXXX, where is this money from XX/XX/XXXX to XX/XX/XXXX? I do not know what happened, but I think all of the deposit is really weird, unbelievable and unreasonable. 
2. I also encountered a lot of unreasonable things with my Chase account. For example, I paid Chase credit card bill {$970.00} using my Chase checking account on XX/XX/XXXX, Now XX/XX/XXXX, XXXX, this amount was still was shown as pending on the checking account, and has not appear on my Chase credit card statement, but my Chase credit cards available credit was increase by XXXX. I list some records of my paying my Chase credit card from my Chase checking amount during the current billing cycle XXXX XX/XX/XXXX to now XXXX, for your reference. 
Paid amount. Credit card post date Checking account list date {$4700.00} XX/XX/XXXX. XX/XX/XXXX {$730.00} XX/XX/XXXX XX/XX/XXXX {$730.00} XX/XX/XXXX XX/XX/XXXX {$570.00} XX/XX/XXXX XX/XX/XXXX {$570.00} XX/XX/XXXX XX/XX/XXXX {$730.00} XXXX still pendingNow ( XXXX ) 3. I also encountered another problem with my Chase credit card. Within the current billing cycle, I had some charges from different merchants, but all of them charged my Chase credit card ( not pending, charged ) before they sent out items or before I picked up the items. One of themerchants even charged me a higher amount than what I authorized in store ( I kept the receipt ). I do not know what happened to my credit card, but I do not think that all of these were done by merchants. 

For above, I wish you pay more attention on it. 


Thank you for your time and attention Best Regards XXXX XXXX

Company response to consumer: Closed with explanation