Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I signed up with a company to do XXXX XXXX services. on XX/XX/24, I received first assignment via XXXX XXXX  with a check in amount of {$2600.00}. I deposited check via mobile deposit on XX/XX/24. I checked my mobile banking app on XXXX XXXXXX/XX/24 and it said that this check was on hold. At that time, I Contacted Chase bank ( my bank ) to verify that check was still on hold and they told me it should take another XXXX hours to clear. On XX/XX/24, I checked my mobile app and it showed that funds were not in my account. However, because I was suspicious of this whole venture, I called Chase again, explained on a recorded line that I was supposed to do my shopping assignment and buy XXXX XXXX gift cards but wanted to make sure that the funds were truly available and that I was able to use them to purchase the requested gift cards. The JP Morgan Chase representative ( spoke to her XXXX XXXX XXXX XXXX  ) assured me that the funds were now available and that I am free to go purchase the cards. I had explained my concerns and just wanted to make sure. On XX/XX/24 at approximately XXXX, I checked my account and it said I was overdrawn by over {$2100.00}. The check had then bounced and the chase person told me it was a fake/fraudulent check. I immediately contacted Chase via phone and they said they couldn't help or file a claim. I went to my local branch at XXXX and spoke with a bank representative in person ( XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX  XXXX ). She tried to help me file a claim and was denied. The person she spoke with, while I was in the office, said " the customer should have waited 14 days to make sure the check had cleared. '' Both the XXXX and I were astonished as she knew I had called to verify that the funds were truly available. I gave her the date and time that I spoke to the Chase representative but she said there was nothing that she could do except forward as a complaint internally, which she did. She suggested that I file a police report with XXXX, which I did immediately after my meeting with XXXX. I also filed a report with the FBI on XX/XX/24. On XX/XX/24, at XXXX XXXX I received a call from XXXX XXXX Chases XXXX XXXX XXXX XXXX XXXX XXXX He told me that there was nothing that chase could do because the Claims department denied my request. I pushed him and asked if they listened to my XXXX phone calls for accuracy and he confirmed to me that I was correct. He admitted that Chase made a mistake and should have advised me to wait XXXX days but they had not. He also confirmed that I did " everything right '' and that " I was right ''. However, he said there was nothing that he could do. He repeatedly admitted that they made a mistake and that I had done my due diligence to make sure those funds were available to me. I alerted XXXX that he was on speaker and that I had my daughter, XXXX XXXX, as a witness to him telling me that I did nothing wrong and that chase had made the error. I kept asking him why I should have to lose out on almost {$2100.00} when they advised me incorrectly ( he admitted multiple times they had made the mistake ). He even suggested that I file complaints with outside agencies and even to consult an attorney. He said if he was in my position, he would do the same! ( all on a recorded line ). I am requesting your assistance in getting my money back from Chase Bank.