Consumer complaint received 2023-02-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received checks for XXXX XXXX XXXX House account in XX/XX/XXXX and I wrote one check with my name as the recipient of the cash, One check was for {$4800.00} and the other was for {$5000.00} and they were both deposited at Chase bank where I have a checking account. I deposited them on XX/XX/XXXX and at the time they sent me a message that there was a 11 day hold on them. On XX/XX/XXXX, I observed that the {$9800.00} was accessible and I went to withdraw the {$5000.00} and requested {$1000.00} and {$500.00} bills and I was told by the teller they only have {$100.00} bills. 

XXXX-The next day I returned to the same branch in XXXX XXXX, CA., to withdraw the {$4800.00} and the teller was not handling the request as it was the day before and said he was over his balance and kept my California I.D., and told me to have a seat and I asked him if something was wrong? He said the supervisor would talk to me.

As I sat there wondering what Chase bank was up to and I waited about 15-20 minutes and finally an African-American woman came out to me and asked to sit in a cubicle and she sat down in faced me. Her name was XXXX XXXX and she told me that the checks were no good and the bank is asking for the money back. And I knew she was lying and she also said that my account my restricted and frozen. It was my payday on my job and I had no access to my work check and I insisted that the checks were good and she began to ask how long I had known him and what did I do with the money? I chose not to answer her questions and I asked did they call the bank and I asked her again why my did they hold my funds? And she again said because I owe them {$5000.00}! And the number they were calling had his name on it and I told her that I am talking to XXXX XXXX  and she said we have to call the number we have been given. 

I called XXXX XXXX  after I left the bank and told him everything that transpired and he said there is something wrong with the bank and those funds are mine and he has not instructed his bank, XXXX to hold the checks. I went back into the bank and spoke with XXXX again and she said the only way we can release the funds is for XXXX XXXX  to walk into a Chase bank 3with his I.D., to authenticate himself. I called XXXX XXXX and told him this and he said is no Chase bank where he is and he again said there is something wrong with the bank and I told him 20 years ago I bounced some checks with Chase but they were paid. 

Meanwhile I had to figure out how to pay my rent and have transportation money to travel to XXXX XXXX for work and return home. I had several conversations with XXXX XXXX  because I suspected that my enemies past, present, and future who work, no longer worked and had been fired because I told on them for embezzlement using the Department of Treasury and my XXXX programs in XX/XX/XXXX and stole funds from checking account holders and I was the 1st victim! They were using my checking account and debit transactions to track and follow me and knew when I made large deposits.

I returned to the bank on XXXX to the Chase bank in XXXX XXXX and spoke to XXXX XXXX XXXX and I asked for the number she was calling and she refused and asked what kind work I did for the account holder and I told her administrative work and ordering computers. On the XXXX or XXXX of XXXX I went to Social Security Administration in XXXX to update with my new bank and decided to stop in the XXXX branch in XXXX. I spoke with XXXX XXXX to setup a payment plan for the {$5000.00} and after being on the phone in my presence he told me we just want XXXX XXXX  to go into a Chase bank to authenticate this account and I called XXXX XXXX  in his presence and told him the same thing. I understood XXXX XXXX  's position because he has a firm to run and I did not share this with XXXX XXXX and I left the bank. 

I receive my social security funds for retirement on the 3rd of the month and there was no indication that the funds had been deposited at Chase. On XX/XX/XXXX i returned to the Chase branch in XXXX XXXX because my social security check had been posted to my account. I waited and when XXXX XXXX appeared I asked her for a manager and she said that she was the manager and asked her why was my social security check deposited to my account and she said the account is frozen. She went to another cubicle and talked briefly on the phone and returned to me and asked for the {$5000.00} back and I said no and it is against law to garnish my social security check and you can not hold it! And she said oh yes we can, and all the account holder has to walk in a Chase bank to verify the account. I walked without saying anything else and have no plans to return to Chase.

They are not calling the bank the checks are writing on but the Department of Treasury in XXXX, XXXX and in CA. 
These XXXX, jealous, lying, thieving, scheming XXXX and XXXX women and men are slandering me and there has been no scam. I have known them for over 2 years!

Company response to consumer: Closed with non-monetary relief