Consumer complaint received 2022-10-23
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PLEASE NOTE THIS IS NOT A DUPLICATE COMPLAINT, THIS COMPLAINT IS TO ADDRESS ISSUES THAT WERE NOT RESOLVED IN THE PREVIOUS COMPLAINT. I NEED ANSWERS FOR EACH OF THE BELOW QUESTIONS PLEASE JP MORGAN CHASE Bank did not answer any of the questions that we asked they just refused to provide any information to me or my bank. 
They cashed a check that was deemed as fraud by the issuing bank ( XXXX XXXX ), and have refused to provide even a copy of the check that was presented at the bank. I need the following questions answered : 1. Why was the check paid 6 months after it was written- was the check doctored? can we have a copy of the check to confirm?

2. Why wasnt the money transferred to XXXX the originator of the check, how can JP Morgan request for a check to be paid when it was marked as a fraudulent check by the bank issuing check? - did they check with the issuing bank? 
XXXX. I NEED A COPY OF THIS CHECK THAT WAS SUBMITTED AT CHASE BANK. THIS WAS MY CHECK AND I WANT TO CONFIRM THAT IT WAS THE SAME CHECK THAT WAS SUBMITTED. - what is the process to get a copy of my check? XXXX XXXX has requested a copy of this check too because the initial payment on this check was paid to TD BANK. 
4. Why didnt CHASE bank contact the originator to confirm the validity of the check 5. Why is JP Morgan Chase bank not providing an answer to the questions regarding their process to reclaim our money, dont they have the obligation to return the funds if the issuing bank deems the check was fraudulent? 

DETAILS OF THE ISSUE On XX/XX/XXXX, I wrote a {$5000.00} check ( XXXX ) from my XXXX XXXX ( XXXX ) located in Michigan account and deposited that check into my XXXX XXXX account in XXXX South Carolina XXXX through mobile deposit. Approximately Seven ( XXXX ) months later, on XX/XX/XXXX, XXXX XXXX called me and informed me that someone tried to deposit the same check XXXX that was written on XX/XX/XXXX into a Chase Bank account. Because I did not make the deposit, XXXX deemed this as fraud and did not clear the check. A month later, on XX/XX/XXXX, I noticed {$5000.00} was missing from my XXXX XXXX account, the same account where check XXXX was deposited. When I called XXXX XXXX to inquire about the missing money, they blamed XXXX for releasing the money, later after a month around XX/XX/XXXX I was informed by XXXX XXXX  that since the same check ( check XXXX ) was presented as a lockbox deposit, they had to reverse that check. However, these funds were not reversed into the XXXX account from where originated. instead, the funds were sent to a Chase Bank account. I do not have any Chase Bank Accounts Importantly, the check ( check XXXX ) was not a XXXX XXXX check, it was a DFCU Financial check. Additionally, the check was not endorsed on the back of the check. So, I do not understand how this check can be paid by XXXX XXXX while the issuing bank DFCU refused to honor this check. XXXX XXXX  has refused to file a fraud report the reasoning - that it was not a XXXX XXXX  check. However, the check ( check XXXX ) was originally deposited by me into my XXXX XXXX account and the check ( check XXXX ) was processed a second time by XXXX XXXX and sent by them into a Chase Bank account XXXX where I do not have an account. Moreover, this check was presented 6 months after it was written and it was not endorsed by me. We filed a complaint for the above with CFPB and XXXX XXXX  replied with the following response - A review of your account and our processing records confirm that the check was negotiated a second time at JP Morgan Chase Bank. According to check processing laws and regulations, when a check is negotiated via mobile deposit and then negotiated as a paper item, the paper item is honored and the mobile deposit is voided. XXXX XXXX and JP Morgan Chase have refused to give us a copy of the physical check that was deposited. 1.JP Morgan chase is also not providing information to XXXX XXXX for multiple requests that were filed on ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX ) based on an affidavit that was provided by me. It has been 4 months since XXXX XXXX has been trying to reach JP Morgan Chase. I am in constant touch with the XXXX XXXX XXXX XXXX who is stating that JP Morgan Chase bank is not returning their calls. I am concerned that JP Morgan chase is trying to protect a person who has committed fraud by submitting a doctored/invalid check. and acting like the bank that is commiting this fraud. I am requesting JP Morgan provide me with a copy of my check that was presented at their bank so that I can verify that it is my check. I have the following documents for reference 1. XXXX XXXX  XXXX XXXX - XXXX XXXX 2. Letter from XXXX XXXX stating that they have sent the funds to JP Morgan Chase

Company response to consumer: Closed with explanation