Consumer complaint received 2017-11-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday XXXX XXXX, XXXX, I walked into a local Chase branch off XXXX and XXXX XXXX to deposit a check that was endorsed over to me. I ask the teller how long will it take for the funds to be available and she told me that the funds would be available on tomorrow, XXXX XXXX. Later that day I tried to make a purchase for {$5.00} and was denied and was that I had insufficient by a cashier for the amount of {$5.00}. I immediately called and spoke with a XXXX with Chase and was told my account was in question and they had to freeze it. I politely asked the customer service supervisor can she just release my funds that was available prior to the check being deposited and I was to no. I begged and pleaded that I have bills to pay and food to purchase for my family. With no regards to my situation and constantly being interrupted by Ms .... I was told no again and again. I even asked her to quit raising her voice at me, she became irate because I was merely asking why my hard earn money was in question and not available. 

The following day I went to make a small purchase after receiving a text alert informing me that the check had cleared and the deposit was available. I went to make a purchase around XXXX a.m. and was declined again. So I called Chase again and asked for a supervisor in loss prevention and was told my funds and check is in question so there is a hold on the entire account. I explain to her that I just receive a text alert and I call to check my balance over the phone and the fund were available and that that the checked had cleared. I was told if I needed money I should go back to the branch for a cash withdrawal, so that is what I did. I went back into the branch where the deposit was made and spoke with the branch XXXX to please explain the situation. She called some higher than her and was told I needed to identify myself with a proper form of ID, relieving Chase bank of any and all liabilities concerning the check in question. After about XXXX hours of waiting on a confirmation I was then able to receive a small withdrawal of my money not relating to the check. Thus the funds was still in question. This is when I felt discriminated against and made aware to the branch XXXX this is unjust, unfair and embarrassing. The funds have been cleared accordingly to the alerts and Chase voice messaging system. Please let me have my money so I can please just leave, I begged. She proceeds to tell me its not her doing its from the higher ups/investigators and out her control. I was given a small amount of money, with no questions answered and left quietly. 

The following day on Wednesday XXXX XXXX, I again received a text alert informing me that the check had indeed cleared and that the money was available. I called the automatic voice messaging system and the amount was available, the same as the day before. 
I went to pay my storage unit and again my card was declined, this brought about more embarrassment, anxiety and fear. I immediately call to speak with a supervisor in loss prevention and she told that my account is in question and so is the check. I explained to her my account is good and have been for over 10 years. I have a been a loyal customer and no fraud has ever been linked to my account or ever deposited fund that was in question. She followed up and tells me that Chase have the right to close any account for any reason and that a my account has been closed since Monday XXXX XXXX told her this is impossible because I deposisted a check on the Monday and withdrew money for XXXX days proceeding that. 

I have checked my account everyday since Tuesday XXXX XXXX and my funds have been available but Chase is NOT conducting themselves accordingly, professionally or ethically. My family and well being have been put through a lot turmoil, fears and anxiety of due to unprofessionalism with Chase upper management team. 
i.e Customer Service, Branch XXXX, Loss Prevention, I have yet to receive any reason/explaination as to why I am being discrimated against, embarrassed in front of my peers, accused of false accusation and questioned about my character. 

I have documentation, names, account information relating to this matter. please help me resolve this information

Company response to consumer: Closed with explanation