Consumer complaint received 2022-03-08
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am submitting a complaint against Chase Bank. I would like to say, I understand why a bank, credit union, ect, place a 10-day hold on a check. From my perceptive, a hold can be placed for different reasons, such as I did not have the amount in my account, for the amount of the check I was depositing of {$73000.00}. 

No here is why I feel discriminated against, humiliated, and my character was degraded. Now, the check was made out on XX/XX/2022. I deposited the check on XX/XX/2022, the available date for funds to be released was XX/XX/2022. Now, my grandfather, checked his account with XXXX, a few days later and the check had cleared from his account. Now, Chase placed a 10 hold on my account which I understand, thinking the 10 days would be used to clarify, confirm if there are any questions and time to investigate in order to release the check by XX/XX/2022. 

I went to Chase Bank on XX/XX/2022 to withdraw some money from my account. 
I was assisted by manager from XXXX XXXX XXXX XXXX, XXXX, IN XXXX, Manager was very hostile and stated he needs to call the fraud department. I tried to inform Manager, my granddad will be leaving the states the weekend and could we call my grandfather. Manager gave me a smirk smile and laughed like yea, right, leaving the states Manager gave me the number to the fraud department closed the window and walked off. I felt if I would have kept talking or asked more questions the cops would have been called on me. Why, did I have to be treated in such a rude, hostile way? This is unacceptable from a customers point of view. My perception, from Manager was I was an XXXX XXXX, trying to withdraw from a check that was deposited into my account and the amount was too large for someone to write me a check this large. My perception from Manager was I was dealing in a fraud situation. 

Now, why wasnt the information being investigated within the 10-days? Chase had all the information on the check like : name of the bank, person name, account number, check number, ect, why didnt they call XXXX to verify? Or my grandfather? 

While I was on the phone with the fraud department, they did call my granddad, and my mother ( we were all on 3 way ) to confirm the check. At the end of the day, the fraud department verified my grandfather 's account, and the check was good. My grandfather asked why or what was the concern, he has written many checks larger than this one, and never had this happen. The fraud department stated they didnt have his information on file, why would they? My grandfather, banks with XXXX. 

I went back to Chase bank on XX/XX/2022 same location to get a cashiers check. I was again, assisted by Manager that I would need my debit card and would have to go to another Chase Bank to get a cashiers check. I called customer service and was told I did not need my debit card. 

How can the Chase Bank located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX, serve me and Manager bank could not? I was profiled and again discriminated against. Now I am feeling like I am a target or purposely being prejudiced against by Manager This should not be acceptable. 

Your employees need to learn how to address, explain, clarify, and most of all listens to any situation without the person feeling bias, XXXX discrimination, ect. 

I hope to hear from someone in regard to this complaint. 

Thank you.

Company response to consumer: Closed with explanation