Consumer complaint received 2015-06-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

Please be advised I have experienced or is experiencing some discriminatory practice from CHASE Banking branch located at XXXX XXXX XXXX, XXXX, NY XXXX ; from an apparent overzealous loss prevention Manger against myself a XXXX CHASE banking customer/member with no past or previous record of loss or fraud with CHASE Bank or any other Bank for that matter. 
Over the years anytime I decide to deposit a check at this particular branch to my checking account # XXXX it is always held up for what amounts to no reason, the process is usually put through loss prevention and fraud faze where I have to wait for an unfair amount of days until this branch / loss Mgr has no more legal right to hold the funds. In other words they do not release the funds willingly or voluntarily even though they have proof there was no misconduct ; there is just no more legal excuse for them to hold on to it which they are then compelled/forced to release funds to customer. 
This newest incident started on XXXX XXXX 2015, at XXXX when I deposited a check from a tenant for {$3500.00}. CHASE originally credited me an incremental {$200.00} advanced credit on the deposit as per there policy of funds availability, however the overzealous loss prevention manager reversed this and put the deposit into some kind of fraudulent activity which reversed the incremental {$200.00} credit and cause my account to be overdrawn as I had used a portion of the available {$200.00}. 
I have been banking with CHASE for over XXXX years ; I also own a home in XXXX ( XXXX ) and rent to tenants that make direct electronic payments and check payments to this same account during the same time period so CHASE is well aware of this kind of activity to my account. 
On XXXX XXXX XXXX, 2015 after receiving and alert on my mobile phone through the CHASE mobile online banking App installed on said phone, that my account was overdrawn, at which point I called CHASE Banking at approximately XXXX, to inquire of the reason for the overdrawn account ; the initial CHASE representative could not figure out the reason why the {$3500.00} deposit was being " Held '' as it is current status indicated on my account. So he connected me to who I believe was a CHASE online banking loss prevention manager by the name of " XXXX '' she was pleasant ; but she could only confirm the reason the check was being held was because " the tenant banked at " XXXX XXXX XXXX '' and was paying me for the very XXXX time '', so therefore the local Loss prevention manager at XXXX XXXX XXXX branch saw a fraud issue with this scenario I 'm supposing. 
I asked if CHASE felt there was some fraud why did n't they notify the person that made out the check and XXXX XXXX XXXX, the online loss manager XXXX replied " CHASE does not do that ''. I surmised this local Loss manager at XXXX XXXX XXXX branch would only erroneously assume fraud based on my background of being a minority since I have no criminal history or any fraud issues with any bank ; and that this manager totally disregard common sense and my history of receiving rent payments from various tenants over the past XXXX years on my banking record. 
XXXX also advised me I would not get any credit for the deposit until XXXX XXXX 2015, a full XXXX business days after I had made the initial deposit. I find this behavior by CHASE unfair and punitive and without just or reasonable cause. CHASE branch located at XXXX XXXX XXXX, is also the only Branch where I have these kinds of issues over the years. I would like for CHASE bank to re-credit my account for the initial {$200.00} according to their funds availability policies and refund monies erroneously taken from my account for the overdrawn activity that currently have my account XXXX at ( - {$77.00} ).