Consumer complaint received 2016-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
I am in possession of a personal check, which I am hoping is a true, real legal written instrument to complete a cash financial transaction with, as promised by the consenting party 's signature name, and also is part of the indentifying printed name on the same check. 

This same check print out, on it, being represented by the fiananal institution name of : CHASE, JP MORGAN CHASE BANK, NA. 
PHONED the publicly released phone number of CHASE XXXX NUMBER FOR PUBLIC TO USE TO CONTACT CHASE CUSTOMER SERVICE. 
I called a person answers. I state my request : Is my issued check, I am looking at in the amount of {$5000.00}, Good to clear your account number stated on this check? Rep. Wants account number. I state account number to them. No rounting number given nor requested my this Rep. Rep. Gives me indications that Rep is performing a computer entry of account number given, silence remains between I and Rep. During this proceedure. Rep. Askes for name of owner on check. I respond with the title printed on check, referencing my mothers full name, Revocable Trust, including the name printed after trust name, the individual name as trustee. Silence Verbal verification from Rep. States, " Account number given, active and open, however, the name given of a Trust is NOT THE OWNER OF ACCOUNT NUMBER GIVEN. 

OWNER OF ACCOUNT NUMBER GIVEN IS LISTING A NAME OF AN INDIVIDUAL AS OWNER TO THAT ACCOUNT NUMBER GIVEN. 

REP. ALSO INCIATES A NON OPPORTUNITY REASON REPONSE TO ME, '' THEY CAN NOT DISCUSS ANYTHING FURTHER ABOUT THIS ACCOUNT OR OWNER, DUE TO CONFIDENTUALITY PROTECTION OF THERE CUSTOMER. '' IMMEDIATELY TERMINATES MY PHONE CALL. 

What do I do now? What does this response mean from CHASE? Was this a real person, a real authorized individual speaking on the behalf of Chase as a big Financial Institution, just identified there account number to belonging to CHASE, and also confers it to be an imposer., a forgey, not even to bother themselves, or concern themselves, of a connection to a fiananical document as a criminal instrument in my possession. Just tuff XXXX to me, my loss, and the account number is good for Chase, but XXXX me for accepting their CHASE NAME IN GGOD FAITH, INFINACIAL INSTUTION TO DO BUSNIESS WITH. 

LOCAL BRANCH OF CHASE DOWN THE STREET FROM MY HOUSE. WILL PHYSICALLY HANDEL THE CHECKS, LOOK AT THE CHECK, RUN THE CHECK ACCOUNT NUMBER INTO CHASE COMPUTER, HAND IT BACK TO ME, WITH THESE WORDS. WE WILL NOT CASH THIS CHECK, BECAUSE YOU DO NOT HAVE AN ACCOUNT WITH US. 

WHAT DOES MY OWN PERSONAL CHOICES OF MY PRIVATE FINANCIAL INSTITUTIONS, SHOW FINANCIAL LIABILITY OF A CHASE VERIFIED BANK OF CHASE AS TO BE THEIR BUSINESS ACCOUNT TO THEIR HOLDING OF ANY FUNDS, AVAILABLE FOR IMMEDIATE PAYMENT, UPON THE PRESENTATION OF THEIR CHASE APPROVED INSTRUTMENT DOCUMENT, DECLINE LEGAL CASH TRANASACTION, OF THEIR OWN INSTRUTMENT TO ANY PUBLIC PERSON ISSUED THESE INSTRUMENT, TO WITH HOLD THESE FUNDS AT CHASES OWN PERSONAL DISCRISSION, STATE BECAUSE I CHOOSE OTHER COMPETIATORS BANK, OF MY OWN PRIVATE CONCERNS, SUPERCEEDS THEIR RIGHT OF FINANCIAL LIABILITY, AND TO TRANSFER CHASE CASH PAY OFF FINACIAL LIABILITY TO MY UNNAMED BANK TO ILLEGALLY FORCED TO ACCEPT, PREFORM, GUARENTEE, AND RESERVE CHASE 'S ILEGAL WITHOLDING OF FUNDS IN CHASES POSSESSION, MAKE MONEY OFF OF, WITHOUT FULLFILLMENT OF A GOOD FAITH CONTRACT?!

Company response to consumer: Closed with explanation