Consumer complaint received 2022-11-08
Company: JPMORGAN CHASE & CO.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is my second complaint about them as they continue to move the goalpost every single time I accomplish what they request of me to receive my funds. I believe they were wrongly taken from me anyways as Ive been saying all along, they supposedly closed my account due to improper endorsement of a third-party check. I have researched online prior to signing the checks and again now, and from what I understand my endorsement is correct. Please see photos attached it was for four different checks all for the same amount all signed in the same manner. The only thing that could possibly be construed as incorrect would be the where I have the word mobile in place of the word electronic, but my research shows both words have been acceptable by Chase either way, as long as it says for ____ deposit only at Chase. 

I can find an instance wear someone used the word mobile, and it was accepted, or I can find an instance where somebody use the word electronic, and it was also accepted. 

My fianc wrote the checks over to me I signed them she wrote pay to the order of which is what protocol is for third-party checks everywhere I did not go out of this protocol, nor did I write below the line, where it says, do not write stamp or below this line again, please look at the photos as a reference. 

Chase uses this as an excuse because they pick anything they could possibly find to claim. We broke their terms of service and shut us down. Theyve been doing this to customers for years, freezing their bank accounts, shutting them down and then holding their funds until they complete impossible tasks and then in most cases people are having to wait two years until its surrendered to the state. 

I actually can not believe this could be legal, or that this is still going on. There are so many complaints about it online, endless complaints from people having the same exact issue & they cant all be wrong. They cant all be fraudulent. When is somebody going to actually do something about this and look at this. What is it going to take?! 

I called them the day before yesterday with two numbers for their verification system again I was transferred to somebody without even them attempting to try the numbers, so Im assuming those arent gon na work either. And my main reason for writing this complaint is my fianc who is XXXX, the person that the checks were made out to originally the payee my fianc actually went to the XXXX branch in XXXX Maine, and told them that she needed to verify her identity because of money that was being held in suspense and shes five hours away from this branch mind you she had a doctors appointment so she decided to go a few hours out of her way the next day and drive over there with two forms of ID. She gets up to the counter and they tell her that oh shes not the account holder so she either has to be the account holder or they wont even take her ID because theres no point, they know very well that I can not be there with her that we are in completely different states right now. Ive told this to the executives several times and Ive been told that she could go down there by herself and she did and lo and behold they wouldnt even look at her IDs. She proceeded to spend the next three hours in the parking lot, crying before calling me and telling me this. Ive had it with these people now. I feel as though Im being punked daily now at this point.

Company response to consumer: Closed with explanation