Consumer complaint received 2022-10-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have been depositing valid checks from XXXX XXXXXXXX into my checking account at Chase Bank here in XXXX XXXX, Florida for a month and a half now. I have on recording Chase Bank telling me that the check I am cashing is Valid and has all of the necessary components of a check ( sender, recipient, account number, routing number, and an endorsement ). ( The routing number was not listed on the physical check, however I was able to provide them with the routing number ). The first check I deposited was on XX/XX/2022 and the last one being XX/XX/2022. The checks have cleared and the funds have been disbursed into my checking account for me to use. 

This past Saturday ( XX/XX/2022 ) I went back into Chase Bank to deposit another check I received form XXXX XXXX. When I went to do so, the teller got the Bank manager and he informed me that he " received an email from their back office stating that they can no longer deposit my account due to them not finding a valid account, and that the amount I deposited would be removed from my account. '' When I asked for this documentation in writing, or to speak with someone else, they then refused and told me to call their customer service line. Despite me referencing the Bill of Exchange and the supporting laws/UCC, they still refused... 

Today ( XX/XX/2022 ) at XXXX est, I called their customer service line and spoke with their frontline representative XXXX  XXXX She informed me that 1. The checks I am cashing are valid checks ( she could see all of the scanned checks I deposited ), and also told me that there was no communication sent to Chase, and that there's no reason they should be denying me. I then proceeded to ask her to not only document this on my account, but also get me in touch with a manager so that I could be sent something in writing so I could reference. 

15-20 minutes later at XXXX est, I then spoke to the manager, XXXX. She initially confirmed all of the information XXXX  ( the previous representative ) gave me, and then she put me on hold for 12 minutes to check " something. '' After holding, she came back and told me that they were unable to " find an account number. '' I then proceeded to ask how, stating that if this was the case, shouldn't I have been notified a month and a half ago when I first started depositing my checks, and she refused to give me any answers. I also then offered to provide my account number once again ( even though it is listed on the Check! ).. She refused.I then proceeded to ask her to speak with someone who was higher than her, and she refused to transfer me and proceeded to dismiss me off the phone. I asked her not to hand up because I had one last question, but in the middle of my sentence, XXXX said " goodbye '' and disconnected the call. Never have I been treated this way by a financial institution, or anyone for that matter. I was calm and respectful the entire time. 

As of XXXX est on XX/XX/2022 I checked my Chase Checking account and noticed that there is a XXXX XXXX of {$250.00} that was taken out of my account. I now have a negative balance of - {$200.00}, AND will be charged interest and fees each day that my account remains in the negative. I was never given any documentation in writing, or in general, that 1. The checks " are '' invalid 2. That action would be taken against me in the form of money being taken out of my account or 3. That I am no longer able to deposit my checks. 

I am attempting to cash out a check being forwarded to me from XXXX XXXX, and despite it being previously accepted multiple times, they are now denying me my rights as a consumer. I have made numerous attempts to contact them and resolve the issue, however they refuse to give me any valid documentation/reasoning as to why they're refusing my checks. I have referenced the laws below numerous times, and have made it clear that I am simply acting in Good Faith. I have recordings and am being sent documents to support my claims. Also, I requested to XXXX that my account be properly notated, so that my concerns and her responses are notated. And also the calls are recorded on their end as well. I also have chase receipts and bank statements showing that they've approved my checks and that the funds were disbursed into my bank account. I have also confirmed with Chase multiple times that my checks are VALID and not FRAUDULENT. 

Not only is this highly unprofessional, disheartening, illegal, but is also hurting me as a consumer because I am being denied my rights, and now I am unable to use the funds being sent to me to pay my bills. The laws that Chase Bank is breaking are : 1, The Bill of exchange 2. GOOD FAITH ( UCC 1-304 ) 3. Without Prejudice, the reserving of my rights ( UCC1-308 ) 4. Scope of Prohibition ( 15USC1691 ( As far as the voice recordings go, I am unable to attach them for reference due to the files being over 10mb, however it I can send them to an email that would be perfect ).

Company response to consumer: Closed with explanation