Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, a car ( XXXX XXXX XXXX ) was sold to me by my friend who is not a XXXX citizen and is now no longer in the XXXX. They were living in the XXXX temporarily, and had bought the car to use while they were here. After they left the XXXX, they contacted me asking me to sell the car, and I would keep the funds after the sale. In order to do this, the car was to be sold to me by them for a low price, and I would sell the car immediately after the car was sold to me. Because of this, the car 's title was not transferred over to me in my name. However, a power of attorney was used in order to transfer the car to me and sell it. Both my friend and I signed the power of attorney document on XX/XX/XXXX stating the car be under my ownership as a tangible personal property transaction. 

On XX/XX/XXXX, I sold the car to XXXX in the amount of {$9000.00}. XXXX wrote a check, but it was in my friends name due to the car title still being in my friend 's name. I had my friend endorse the check stating the check be deposited in my personal Chase banking account. After the check was deposited, Chase contacted me via text stating my bank account would be closed and I needed to contact them as soon as possible. I called Chase, and they asked me to verify the check via my friend 's phone number. I provided my friend 's XXXX phone number which is still active and used by my friend, but their system was unable to contact them since they are not in the XXXX, and they are not a XXXX citizen. After calling multiple times attempting to verify the check and being unsuccessful, I went to a Chase branch and physically handed them another power of attorney document that was signed on XX/XX/XXXX by my friend and I stating the funds be cleared and paid to my Chase bank account. Chase would not accept this, and I even offered to have my friend join a video chat showing proper identification and tell Chase to clear the check. Chase would not accept this either. Chase stated the only way to clear the check was to have a verified XXXX phone number that was in the XXXX phone database registry. This is not possible, however, as my friend is not a XXXX citizen and does not have a XXXX. I had a three-way call with a Chase customer service representative and a XXXX business XXXX XXXX XXXX and we explained the situation. Once again, the Chase representative said there was nothing they could do unless they had a phone number they could contact. As a result, I requested either Chase or XXXX to void the check or send the money back to XXXX, but both Chase and XXXX said they are unable to do this. Eventually, my Chase bank account was closed on XX/XX/XXXX due to unsuccessfully verifying the check that was deposited. After further calls to Chase, a Chase representative said the check should already be void, and I should contact Chase customer service via message and ask for documentation stating the check is void. I contacted Chase via message asking them to provide documentation stating the check that was written in my friend 's name in the amount of {$9000.00} was indeed void. They failed to provide such documentation, and again asked me to call customer service. 

In summary, after contacting Chase and XXXX multiple times, they both said they were unable to : clear the check, verify the check, void the check, provide documentation stating check was void, unblock my bank account, or send the funds back to the original source. As a result, my Chase bank account is now closed, and the {$9000.00} was never deposited successfully. The car has already been turned over to XXXX, so now I do not have the car, nor the funds after selling the car.