Consumer complaint received 2023-04-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit on Thursday XX/XX/XXXX. Some of the funds were available next day. Paid 2 bills and went to the store. Went to check out and my card was denied. Called Chase and I was informed that there was a hold placed on my account due to fraudulant activity. They told me to go into a branch to show proof that the third party in the check I deposited had died. So I showed them the coroners website and the info they were requesting was a matter of public record. And showed them how to easily look it up tbemselves. The teller was very unprofessional and rude. Claimed that was not good enough. Gave me a number to call. So i go home, call the number and they told me that the Coroners website is not good enough. Said now I needed to get a death certificate. That didnt make any sense to me since the death certificate comes from the coronor but the coronor website was not credible. So monday comes and I took off work. Already- {$200.00} and had to borrow money to pay for this death certificate because I cant get into my bank account. So now - {$240.00} in on this. I get the death certificate, take it back down to that branch and get the same rude teller. She acts like its of no importance and says she will get it sent over some time this week. I tried to inform her that while she is taking her time, I have bills that are now accruing late charges. So I go back home, few hours go by and no word. So I call in and of course, it didnt get sent over so I got the fax number and sent it myself. They finally got it after the 3rd time sending it. Now a different representative js telling me that I didnt need a death certificate and now need something else. Enraged, I asked to speak to a supervisor. She said ok then hung up on me. 3rd time that day i was hung up on. So now here we are, 5 days later, still hold on my account, tried sending messages in the app because calling is getting me nowhere. But i just get a bot responding and referring me to a different department. Check has been cashed and cleared. Just sitting in my account but cant access my own account. Cant pay my bills. Cant even put gas in my truck to go to work. I have cashed countless third party checks before I started banking with Chase and never had a single problem. Im not a felon nor do I have anything fraudulant on my record. I have a low credit score at the moment due to my identity being stolen but its getting sorted out. Im a small business owner and a homeowner. Not sure why this is happening but this isnt the first problem I have had with this branch. There was an incident at XXXX where I was being accused of fraudulant activity trying to cash a check from my father who has a chase account as well and we have the same last name. Made me send the check back to him and have him write a different one. I let it go and now here we are again. My business requires me to keep an XXXX # and a clean record. This constant accusations of fraudulant activity is devastating to me and my company. If this is the kind of service that I pay Chase monthly to even have an account for then Im gon na have to reconsider keeping this account open. Im getting ready to sell my house and use funds from my XXXX XXXX account to buy more properties for rentals and thought Chase would be a good bank to back me in this venture but doesnt sound like they even want me as a customer especially when im treated as not welcome by the local branch. Hope to put this behind us quick and move on whether the be in the same direction or part ways. Thanks

Company response to consumer: Closed with explanation