Consumer complaint received 2023-07-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, a checking account was opened at Chase located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

On XX/XX/2023, a check was deposited for the amount of {$480.00} corresponding to payroll by the company XXXX XXXX. 

On XX/XX/2023, a check for the amount of {$1900.00} corresponding to payroll was deposited by the company XXXX XXXX. 

the employer XXXX XXXX issued a direct deposit to the chase account for the value of {$2400.00} corresponding to payroll value that was never reflected in the account. 

When reviewing the account and making transfers, they inform me that the account is blocked and therefore transfers can not be made or received since the account has a notation and therefore direct deposit from the employer can not be received or transfers made with the money that is reflected in the account corresponding to the value of {$2400.00}. 
When I contacted Chase by phone, they told me that Chase could not corroborate the first two checks and that is why I made the decision to close the account. 

On XX/XX/2023, I went to the branch where I opened the account and was attended by the official who opened my account, XXXX XXXX XXXX, and she informed me that Chase raised suspicions about the first two checks because, according to her, they could not verify It was issued by the employer at the telephone number found in the Chase databases, that there is nothing they can do to avoid closing the account and that I will receive a check with the value of the account balance {$2400.00} and that the direct deposit corresponding to the value of {$2400.00} will be returned to the employer since it never entered the account. 
It should be noted that the checks that raised suspicions are issued by XXXX for payroll, the same company that made the direct deposit. 

On XX/XX/2023, I went to the bank again to report that no check has arrived and that the transaction has not been returned to my employer and they inform me that the bank has issued two checks in my name, the first with a date on XX/XX/2023 with the value of {$2400.00} corresponding to the sum of the checks issued by the employer and a second check issued on XX/XX/2023 for the value of XXXX corresponding to the direct deposit that according to what I had been informed was going to to be returned to my employer. 

On XX/XX/2023 I receive the check issued by Chase on XX/XX/2023 corresponding to the value of {$2400.00}. 

On XX/XX/XXXX I receive the statement from the bank where it is reflected that the two previously mentioned amounts entered the account and that two checks were issued in my name for the corresponding closing of the account. 
On XX/XX/2023 I went back to the Chase offices to verify the status of the check issued on XX/XX/2023 and they informed me that it takes 15 to 20 business days for it to reach my correspondence. 

On XX/XX/XXXX, I go back to chase to get information about the check issued on XX/XX/2023 and XXXX XXXX XXXX informs me that this check is withheld since they have not been able to verify the first checks. I provide the phone numbers of my employer so that they can be verified and it informs me that these do not correspond to the numbers in their databases, and that the checks raised suspicions because they were issued by XXXX and not made manually as it was they have in their photographic records, in this way I ask that the money be returned to my employer and so they make the payment again to my bank account opened in another bank and they tell me that they can not do that. 
As it is today, my employer does not have the money and neither do I, this money is withheld by the chase without a logical explanation I need a solution to the problem and we are going for 2 months and I still do not have the money. I have already tried to solve the problem with the bank but it has been impossible. Neither my employer has the money and I have not received it. the money has been retained by the Chase Bank for more than two months.

Company response to consumer: Closed with non-monetary relief