Consumer complaint received 2017-11-25
Company: JPMORGAN CHASE & CO.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
My father XXXX XX/XX/XXXX and had a CD at Chase Bank which was to be split between my brother and I. My father 's lawyers sent an electronic copy of the XXXX XXXX  to Chase Bank so they would have instant access to it. My brother and I were told the account number and to go to a Chase Bank and have 2 forms of id and that we would receive our money. I live in XXXX XXXX, my father lived in XXXX, as does my brother.There are no Chase Banks in XXXX XXXX. I had business to take care of in XXXX XXXX so I flew into XXXX XXXX XXXX on Monday XX/XX/XXXX.  On Tuesday XX/XX/XXXX I arrived at the XXXXXXXX XXXX Chase Bank to collect my money. I was told by the employees that they could n't turn any of it to cash or cashier 's checks. I argued with them, various bank employees said I just needed to put it into a XXXX XXXX XXXX or some other existing bank account and then it would be a 3-7 business day hold, and then I would have access to my money. At one point in time, one of the employees or manager started discussing XXXX banking law - that has nothing to do with their obligation to hand over my money. The Chase Bank employees did agree that my father 's XXXX XXXX along with instructions that I and my brother would be collecting our money were accessible and they were able to see and look at that online. So after a long argument with several employees, I told them I was n't leaving until I got my money. So then the cops were called. Only after the cops showed up and told the bank to give me my money did I receive 2 cashier 's checks. I had used one cashier check to do my business in XXXX XXXX. Upon arriving home in XXXX XXXX, I still had no access to my cash as it was in the form of a cashier 's check, and still no Chase Banks in XXXX XXXX. So I went to XXXX Chase Bank ( XX/XX/XXXX,XX/XX/XXXX ) and had more trouble. Chase Bank first said they could n't find a record of the cashier 's checks issued in XXXX XXXX branch but they did find my father 's XXXX XXXX. Their attitude at the bank was just deposit into an existing bank account or open a new account and have a 7-10 business day hold. So I asked them if Chase Bank in XXXX XXXX gave me a fake cashier 's check and they said they did n't think that was the case. Several employees were trying to find a record of the cashier 's check I had and said they could n't find record of it.I went to several banks in XXXX and no one would cash my Chase Bank cashier 's check. Finally I went to XXXX XXXX and deposited my cashier 's check into a new account and had to wait 7-10 business days for my money. Chase Bank had no right to refuse to give me my cash when my father 's lawyers had given specific instructions to Chase Bank AND had even filed my father 's XXXX XXXX online so Chase Bank had instant electronic access to it. The ONLY thing Chase Bank did correctly was agreeing they could and did pull my father 's XXXX XXXX online. They were supposed to give me my money I was legally entitled to in any form I wished. All the Chase Bank employees attitudes were very nonchalant and we told them in XXXX that we were going to file complaints against them with the OCC and with you. XXXX at the XXXX Bank said " Fine, go ahead ". The bank 's know a cashier check is the same as cash and no bank will issue a cashier 's check if the money is not free and clear. I have finally gotten full access to my money but Chase Bank, nor any of the other banks in XXXX, followed the rules. I had id on me, and when I was in XXXX I even had my birth certificate on me, yet no one at any of the banks would cash my cashier 's check for me, not Chase Bank or any other bank. I want some very strong action taken against Chase Bank, not my fault there are no Chase Banks in XXXX XXXX where I live, I find it strange that Chase Bank could find and have access to the online death certificate and instructions but they still refused to do what they legally are supposed to do. I only was able to get cashier 's checks the first time in XXXX XXXX because the cops showed up. This is wrong on so many levels, the banks need to be reminded of the legal rules which they are to operate under. I find Chase Bank 's actions dispicable, they have no right to hold my money by way if their lying tactics, or by stating that I was n't in the right state, or that they could n't find the records. I would like some VERY strong action to be taken against Chase Bank.

Company response to consumer: Closed with explanation