Consumer complaint received 2017-08-11
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:
Concerned about Fraud issues. Received a Priority Mail with a check with instructions on an assignment for work ( so I thought ). Went to Bank Branch ( CHASE BANK ) On XX/XX/XXXX and discussed before depositing check to verify funds. Verbally told ( before deposit ) check was a good account and funds will be available next day XX/XX/XXXX. Returned to ( same ) Bank Branch ( CHASE ) XX/XX/XXXX and had the same Bank Teller and made a withdrawl of funds needed to complete ( 3 ) different XXXX XXXX  actions ( which just found out later - scam and fraud ). Money was withdrawn ( after Chase Bank Branch Supervisor approved withdrawal ). After, I proceeded still to do assignment transactions ( which was to send XXXX XXXX transaction to an unknown recepitant? ) I Only did 1 XXXX XXXX at that time. Sent XXXX XXXX and on next day XX/XX/XXXX Chase Bank Branch alert notice came via text in reference to an " over drawn payment ''? - which was thus said the goal remanding for the " thus said assignment of the ( 3 ) XXXX XXXX transactions that should have been completed. ( I Only did ( 1 ) for the amount of {$1000.00} due to I was waiting on conclusive instructions from " so call '' Employer Contact ). I Notified Chase bank Branch immediately ( via phone ) to file a fraud case and explain transactions? I wanted to get more guidenance on what actions and where was " My '' funds in my account? I went back to ( same ) Chase Bank with " all '' paper work and copies of email and discussions. I Was informed that nothing can be done about " My '' funds and that I have to clear up the over drawn amount to make the account correct? I have the remainder funds needed to complete the " other 2 fraudulent XXXX XXXX '' but now I am aware the Check deposited was No Good? Long story short, the Bank Estaplishment is somewhat forcing me to loose my " original '' funds and to me that means throwing away {$1000.00} in the air and I can not retreive anything on that fraudulent check from the beginning which I will be BROKE with nothing? I informed the chase Bank, If I can clear my bank account to XXXX ( XXXX ) but it will mean " I '' am out the fraudulent XXXX XXXX amount which is my money ( and not the money from the bad check scam? ). I also asked Chase - why would they approve the funds if the check was " bad '' and the Bank Branch Manager approved the withdrawal on those funds? I was also told that " sometimes a check is cleared for good and maybe down the road up to possible 18 months or less - then the check comes back bad and it 's the Customer 's fault to clear it up - but you have already spent the money? I have filed a complaint with XXXX XXXX also and was told to go and file a Police Report? I want my " original '' money back in my account before " this thus said job assignment with a bad check ''. That 's what lead me to file with your office. Is there anything I can do? I have " ALL '' emails, transaction receipts, priority mail envelope ( who sent the first approval letter and check ), XXXX XXXX receipts and also emails from " thus said '' employer contact and notes? Below are the institutions involved : 1. Bank : Chase Bank 2. Priory Mail from : Patriot Auto Center XXXX XXXX XXXX XXXX XXXX MO XXXX ( USPS # XXXX XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX Receipt # XXXX ( {$1000.00} ) and further information on the Receiver who got the funds 4. XXXX XXXX, XXXX, Executive Supervisor ( XXXX ) XXXX XXXX XXXX XXXX Please advised

Company response to consumer: Closed with explanation