Consumer complaint received 2015-04-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is the letter I have submitted to Chase Bank concerning an indicent that accorded in their branch on XXXX XXXX, XX/XX/2015. 
***************I went into your XXXX & XXXX XXXX location today to get a cashier 's check. I was dressed in a t-shirt, sweatpants and tennis shoes. I went to the teller and advised him that I needed a cashier 's check for {$14000.00}. He took my ID and debit card and told me that he would have to get an override. He then proceeds to get Personal Banker XXXX XXXX. 

XXXX XXXX came over and looked me up and down in my t-shirt and sweatpants, and asked me if I have had any deposits from them XXXX XXXX XXXX before. I advised her that I had. She looked at the computer screen again and proceeded to tell me she could not give me a cashier 's check. 

I asked her why she stated that because the money had not " cleared. '' I then asked her if it was because they were not used to cutting cashier checks that large, to which she stated that they issue checks that large all the time. I then explained to her that I have never had this issue before and could go to the XXXX branch and have them issue the check without any problems. She then tells me that they may do so, but it is the branch 's discretion whether or not they issue the check. 

To me, her statement told me that the branch has the right to discriminate against anyone on the basis of their outward appearance. I told her that the money was in my account and available for immediate use, and that she was refusing to give me my own money. She stated that she understood, but could not give me the cashier 's check until the money cleared, when in fact, there was nothing to " clear ''. I left the branch mortified at the way I was treated and I felt as though my money was being held hostage. 

A couple of hours later after changing clothes and putting on some jewelry, I went to the XXXX location. I was there for a mere 5 minutes before walking out with my cashier 's check in hand. 

I am filing a complaint for discrimination, because XXXX XXXX took XXXX look at me and decided that she was not going to release my money, even after I showed her identification. I am not sure if she was taught about companies like XXXX where customers may have investment accounts or if she decided after looking at me that I could not possibly have that amount money and was engaging in some sort of fraud. Whatever the case may have been, she needs more training. I will be forwarding a copy of this email to Consumer Financial Protection Bureau, so my complaint can be recorded, in the hopes that your bank does not continue to treat your customers in this manner. 
**********************I was later contacted by district manager, if I remember correctly her name was XXXX XXXX XXXX She advised that the representative, should have in fact issued the cashiers check because it was an automatic clearing transaction. She stated she was going to talk to the representative and call me back. This was on XXXX XXXX, XX/XX/2015, she has not called me back.

Company response to consumer: Closed with explanation