Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

CHASE BANK XX/XX/XXXX To : CONSUMER FINANCIAL PROTECTION BUREAU CFPB in reference to CHASE BANK allowing an individual to cash a check that didnt belong to them on the same day that the individual stole/submitted to them. 

Date : XX/XX/XXXX Bank issues : CHECKING ACCOUNT IMPORTANT : I have been a faithful customer of you for XXXX year, I dont have any other back ever in XXXX. 

Check that was sent to UNITED STATES XXXX from Chase Bank On XX/XX/XXXX sent a check, I wrote a check to UNITED STATES XXXX and mailed out personally through the XXXX XXXX at XXXX XXXX and XXXX XXXX. Please see attached proof of the check. 

XX/XX/XXXX, I received a letter from IRS staring that I havent paid taxes for XXXX and that I owe them {$4300.00} plus interest. Final due Reminder Notice of intent of seize ( XXXX ) your property or rights to property. 
I was going crazy because I remembered that check was already deducted from my checking account. 
I went to Chase bank and got proof of the statement that the check was cashed on XX/XX/XXXX. Chase Bank told me that check was already cleared and cashed on XX/XX/XXXX, I could not believe how fast IRS cashed the check. On XX/XX/XXXX NEXT DAY check was cashed by someone from Bank XXXX XXXX account. As per investigation I made, that individual took a picture of the check and deposited through XXXX XXXX XXXX XXXX apps and that individual was able to collect that money {$4300.00} on XX/XX/XXXX, that check was written for UNITED STATES XXXX for my taxes XXXX. ( please see the attached who signed, that is copy from Chase bank ). 
How is possible that someone was able to collect that check # XXXX under UNITED STATES XXXX name and got away from XXXX XXXX XXXXXXXX that dont work for the UNITED STATES XXXX XXXX 

Please see the below : Here is the information from the XXXX XXXX XXXXXXXX. With the information below, it will be easy for XXXX XXXX XXXXXXXX to find out who is this individual and charge them for stealing a check to UNITED STATES XXXX Chase BANK You need to provide me with some type of monetary compensation for the stress that you have cause me for allowing your bank taking a check that was written to UNITED STATES XXXX without doing any verification who name was to directly instead of XXXX XXXX XXXXXXXX releasing that check to the individual that was NOT authorized from IRS. 
IRS is charging me with interest due to they didnt receive payment for the taxes XXXX by I paid then before XX/XX/XXXX, now I have to pay them and look for money to pay plus interest until I can get my money back from chase due to your negligent. 
monetary compensation for the stress : Here are days lost from work due to the negligent of Chase BANK releasing check : I am looking for ( interest Amount that IRS collecting and days off that I took from work ) monetary compensation for the stress you gave me at this time in behalf of you negligent. Also, I took some other extra days off for XXXX XXXX due to the stress. 
XXXX. XXXX day : going to the post office and meeting to the XXXX and submitting a Postal Inspection Report for the investigation XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX day : CHASE BANK to meet with representative getting statement and proof of check was cash and when and how. Cashed and cleared on XX/XX/XXXX by sequence Number XXXXXXXX XXXX XXXXXXXX ( also completing paper work for XXXX Department ) XXXX. Going to IRS, 6 days lost of work, going to IRS office and meeting with them. 
XXXX. XXXX days : collecting all paper /proof / notary public for the Police Report at the Police Office XXXX XXXX XXXX POLICE REPORT COMPLETED on XX/XX/XXXX POLICE REPORT # XXXX and they are doing an investigation. Please let me know if you need any other information about the case number. 
XXXX. 1 day : Going to XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX they didnt help me XXXX. Another day for XX/XX/XXXX going back to Chase to get new form for Declaration of Fraud for to take to IRS, then going to the IRS get memo to attached to the Chase XXXX XXXX XXXX and then back to Chase to re-submitted Declaration of Fraud. 


If you have any question or need more information please feel free to contact me. 


XXXX XXXX XXXX XXXX Adding more details on today XX/XX/XXXX : Adding this part after I submitted document to CONSUMER FINANCIAL PROTECTION BUREAU CFPB we have more updates I called Chase XXXX XXXX Department on XX/XX/XXXX to get the status on the Declaration of Fraud form submitted to on XX/XX/XXXX and they say was missing information from section XXXX and XXXX from the form. I never got any call, email, or letter about that issues. I explained to them that the form was completed with XXXX of Chase Representative at the Chase XXXX and everything was completed at that time and submitted to the Chase XXXX XXXX Department. Anyway, they wanted to be completed by the IRS representative and told that will be impossible since they didnt get the check, it was confirmed by then in multiples occasions when I met with them. But I still when to the IRS office and met with IRS Representative on XX/XX/XXXX and they wrote a memo in my record and printed out to be attached to the Declaration of Fraud. Then, I went back to the Chase Bank and we submitted the form again on XX/XX/XXXX, they said to wait XXXX business day for them to review and do the investigation on the case. 
I called Chase bank XXXX XXXX Department on XX/XX/XXXX to get the status/if they received fax sent on XX/XX/XXXX, they said yet and they are conduction an investigation. That I will need to wait XXXX days.