Consumer complaint received 2020-09-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
1.Chase bank deposited my checks and showed credits available with no enough reviewing in XX/XX/XXXX for {$2000.00}, XX/XX/XXXX for {$1700.00}, XX/XX/XXXX for {$3600.00}, and took the money away with no warning in XX/XX/XXXX, XX/XX/XXXX. But at that time, I am done with the payment using that amount of money. I took a loss from this. The bank should finish all processes before offering money as available balance in the account 2.When I called them about the hold showing about the first check in my account, the bank told me " everything goes well '' that made me continue with further two checks with trust. 
The bank is the professional community that we totally trust. Every word the bank said will be gold principles for the customer who has confusion. The bank should be responsible for every word they said and the result caused by their words. 

3.The bank took out the money from my account after the available date showed in the online bank. The bank already offers the message for the deposit and showed the date available. After the showed date, the bank took away the money suddenly without any warning or alter, I was scared because of this sudden action. 

4.I have to pay for the fault of the check. I was charged for the check returned. I am the injured party and innocent, there is no reason that the injured party was charged for another person 's fault. 

5.The explanation they gave me for why they offered the money first and then took them away days later is that the check is a good face, so they gave the money first, then the money was taken away since some issued appeared after they reviewed carefully days later, even without any warning or alter. And the customers should do the search by themselves before any activity instead of relying on the bank. 
The bank is a professional organization that the customers totally trust. They should not offer any available credits to the users before the bank finishes all the reviews. The available credits show in the account balance suggests that this amount of money is available to be used. This is a huge misleading and causes me to the worse result. 
Determining the validity of the check is the responsibility of the bank, not the users. It's not reasonable to require the customers the do the search by themselves. The bank can not use a good face as an excuse to take to the woods. 

6.The bank holds my call back after answering me a few words and know my complaint. When I asked to talk to the supervisor, the first representative transferred my call but the supervisor holds me back to escape the problems and take to the woods. And I can regarding this behavior as client discrimination. I am ignored by the bank since I am only an individual customer, not a business customer. The bank did not pay equal attention to their customers. 

7.The wait time for the phone call to the customer support specialist is said more than 50 mins, but still, no one answers me after waiting for 76 mins. The reason gave by the bank is the high call volume. I gave the bank my understanding but this is an internal problem of yours and the consumer should not bear the extra consequences.

Company response to consumer: Closed with explanation