Consumer complaint received 2015-05-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A check I deposited into my checking account on XXXX did not show as available on XXXX as it should have. I was told by XXXX Chase customer service when I called and inquired into the funds not showing as available to me late on XXXX that the funds would be available on XXXX. The check did not show available on XXXX or on XXXX so I again called their customer service and requested to speak to someone higher up. I was told that it was the amount of the check that was the issue. The check was for {$3500.00}. I have deposited checks from the individual whom wrote me this check in amounts this large and larger and had never had an issue with having to wait more than one day for the funds. I also found out from my fathers Financial advisor at XXXX XXXX that XXXX Chase had indeed cashed the check on XXXX. I called and spoke with XXXX, XXXX and XXXX and was told all 3 times that I needed to give them a # from XXXX XXXX so they could verify the cash had been checked. I gave them my fathers financial advisor 's name, XXXX XXXX, and XXXX of her phone numbers to please verify that the check was cashed so I could get my rightful deposit. When I checked on XXXX the money had still not been deposited into my checking account but was showing still " On hold ''. I called cust service one more time to see why the check had been cashed by them, told me on XXXX that it would show as available to me in my checking account on XXXX, yet now on XXXX was on hold. I was again was told it was the check amount, and I again pointed out the check was cashed at XXXX XXXX on XXXX. I also asked when they had planned to advise me of the on hold issue. I was told they would send me a letter in the mail, and I advised I would be filing a complaint with the XXXX which I did and JPMorgan 's Executive Office did not reply to. XXXX # XXXX. The funds did not show up as available to me until XXXX. The funds were needed by me vitally by XXXX that is why I deposited the check on XXXX. I checked my account on line every day for it. When I received my next bank statement from JPMorgan it showed a check date and funds available to me date of XXXX. I again called their customer service to ask what the date on the monthly statement reflected : The date the check was physically deposited or the date that the funds became available to me. I was told the date would be the date the funds were placed in to my checking account and were available to me. The bank statement was false. I then checked the detail on my account on line and the funds, which did not show available until XXXX as I was checking daily, now showed that they were available to me on XXXX. And I was charged {$34.00} for a bounced check between those dates. Therefore it is apparent that the date was changed and therefore my statement and my online account information had been falsely reported by JPMorgan. An audit of my banking records would on the surface show what I typed above to be false. However If their system were looked into I would it showed that what the date that the actual entry was made, which would indicate the true XXXX date. I find this to be falsification of my official banking statement and records, improper business practices, dishonest and poor ethics.

Company response to consumer: Closed with explanation