Consumer complaint received 2024-08-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX I opened a premier checking account along with a first rate money market account with a banker named XXXX XXXX in XXXX, MD. I deposited approximately {$76000.00} into the money market savings account via a check that was written to me by XXXX and JP Morgan Chase. 

XXXX told me that once the check cleared on XX/XX/XXXX that she would transfer {$4000.00} from the money market account into the premier checking account. I agreed to that. On XX/XX/XXXX I called the phone line which said that my checking account balances were approximately {$72000.00} and the other had {$4000.00} suggesting that the check had cleared and that XXXX did transfer some of the funds into my premier account. 

I found it very odd that instead of saying that my account report my money market savings account as a checking account and that checks and bank card were ordered for my money market SAVINGS account. I also noticed that when calling into the phone banking system that my account details could be reached simply by using my phone number. Funds from my accounts could also be transferred using only my phone number when I saw as a security risk. 

I went to the branch and requested to take my money out via a cashiers check. I was told my the branch manager, XXXX, that I could take the money out of my account because the check had not cleared. I told XXXX that the phone line had confirmed that the check had cleared and the the XXXX had transferred funds. XXXX could not explain why the Regulation CC hold was bypassed and how XXXX was able to transfer funds on a {$76000.00} check if the check had not cleared. 

Through further investigation I found out that there was another account under my name with a wrong SSN number at XXXX. I also found that XXXX had my name on a business account which I have no leadership role in the company. These XXXX accounts also showed wrong driver 's license information and address associated with me and cards in my name that were active but I had no possession of these cards. 

XXXX told me that the Regulatory CC hold would be removed on XX/XX/XXXX. When I went back to the branch to inquire about the funds on XX/XX/XXXX, there was no money in my account. I had also written XXXX checks during the period since I was told the check would clear but both checks were returned after the funds were submitted to the recipient bank. XXXX says that they have no record of these checks being submitted. 

In the meantime, I was interacting with another banker named XXXX. She said that the funds were being held because XXXX could not verify the check. Once I pushed further, XXXX called JP Morgan Chase on XXXX XXXX, XXXX, and they told her that the check had cleared on XX/XX/XXXX. However, the funds are missing from my accounts. 

I decided to visit another branch to inquire about the funds and change some contact information. On XX/XX/XXXX I went to the branch located at XXXX XXXX XXXX XXXX in XXXX Maryland. When I went the the branch where I wanted to get info about my accounts and change my contact information. I met with bankers XXXX and XXXX ( I'm not sure I have the names correct but I took their cards ). XXXX immediately asked me why I was at her branch when I should be at the XXXX XXXX XXXX XXXX I told her that I have the right to go to any XXXX location. She then went behind the counter where she and XXXX called the XXXX branch to talk to XXXX. XXXX then told me that if I did not talk to XXXX on the phone that she would not help me. I adamantly refused to talk to XXXX on the phone so XXXX got angry and asked XXXX to call the police and security on me. I left the premises and reported the incident to XXXX customer service. 

Soon XXXX called my phone and told me that she found it suspicious that I visited another branch. She also told me that someone had called into customer service stating that my car had been broken into and my wallet stolen so she reported it to fraud department. I called the customer service line and they told me that noone made any such reports. 

Currently, there are no funds in my accounts and XXXX can not give me a legitimate reason why my money is not in my accounts. 

XXXX and CHASE could not verify the check that they sent to me.