Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO. (TX)

I went to chase bank in XX/XX/2022 to set up a bank account and they told me that it would be better if i set it up online I would get a {$600.00} credit on the account. I went home and set up a checking and savings account online like they told me to. I waiting to days to make sure everything set up and I did the mobile deposit with XXXX checks, {$300.00}, {$500.00} and {$2500.00}. I knew it normally takes a couple days to clear so I waited about 4 days and checked if they had cleared. It said the funds would not be available until XX/XX/2022. I thought it was just because the account was new, and they wanted to make sure it wasn't fraud so i waited and on the XXXX of XXXX i looked at the account and the available balance was there so i used the money to pay on one of my southwest credit cards. I used all of it but {$200.00} to make sure I still kept some money in the account. I checked the next day to make sure the credit card got paid like it should have at midnight that night. The credit card was back up to the original amount and both my chase saving and debit accounts were deleted, and the money was gone. I went back to the store and asked them what happened, and they told me because they could not verify the funds, they closed the accounts and would have to verify the funds in order to give my money back. I told them the two smaller checks were personal checks and the larger check was from my employer, and they said because my employers phone number was not verified by their system, they could not use it as a point of contact. I gave them the main number to 5 store locations, and they refused to use any of them. I even gave them the owners number which is worth millions and they said they could not use it. They advised me to have my employer put a stop hold or payment on the check and they could recall it. I went back to work, and they had their bank put a hold on the check and even try to put a stop payment. My employers bank called me back saying that chase bank had pulled the money out of my employers account on XX/XX/2022 and they could do nothing on their end. So, I went up to chase bank and told them they have already cashed the check on XX/XX/2022 and gave them proof and was advised there was nothing they could do until they could verify the funds and they were keep holding it until then. I then found out that the {$500.00} dollar check they verified they decided to keep it as well with the {$2500.00} dollar check. I told them that they can not hold money that they have already pulled out of someone else 's account that belongs to be, but they did not care. It has been over a month and a half of fightings this and they are giving me the run around and still holding my money. Today I went up to the bank and they told me only thing i could do it wait for them to release it back to the employer and they have no idea when they will decide to do that. That is my investment money and i could have grown it over % 100 percent by now and I'm losing money every day they hold it. They know it's a good checked because they cashed it over a month ago.