Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

XXXX. After XXXX years, I was finally approved for ss XXXX and received back pay of approximately XXXX XXXX. XXXX check I received and deposited into new chase account didn't clear the following day as expected, the branch manager explained it was odd as federal checks clear in XXXXday and there might be a problem with the check. 

XXXX. Approx XXXX days later I received a second check for the same amount with a memo in the right corner stating " replacement for XXXX check '' XXXX. Branch manager stated this is why XXXX check didn't clear, there is a problem with it, let 's get this XXXX check deposited and it should clear by morning. 

XXXX. XXXX check cleared and I began using funds I had waited for, for XXXX years. 

XXXX. Approx XXXX  days later my accounts were frozen, when I went to branch they stated the original check cleared and now my account is frozen until straightened out. 

XXXX. XXXX weeks later, chase sent me a cashiers check for the remaining amount from the check I began using. And they placed the overpayment of XXXX into a suspense account which I assumed would be returned to social security. 

XXXX. XXXX-months later, I was contacted by ss with a request to repay the overpayment of XXXX. I contacted chase who instructed me that ss needed to do a reclamation of funds. 
Ss claimed reclamations are for deceased beneficiaries, so the reclamation process couldn't be applied. However, the ss representative faxed a request as well as sent a letter to the Chase executive department recalling the funds. 
-Chase responded : they must receive an electronic request to reclaim the funds. 
-ss explained because these were paper checks an electronic request can not be made, only a manual request to reclaim funds can be sent, which is what they sent. 

XXXX. XXXX months later after hundreds of phone calls between myself, chase and ss, emails, contact with my senators office, and visits to ss offices, the department of ss has decided to withhold my only income ; my monthly social security benefits which will be applied to this overpayment that Chase Bank still has on hold in a suspense account. 
-ss claims the funds were paid to me and this is now between me and chase bank, since chase wasn't returning the money to ss. So, because the money was paid to me, they will collect it from me. 
-I can not possibly live without my monthly benefits, yet the Chase Bank Executive Department has stated they will no longer respond to me regarding this matter. 

I have requested this be escalated to the highest ranking person for immediate resolution as in XXXXdays I will not be able to pay my rent, or buy food because I will not be getting my monthly ss benefit. All my requests have fallen upon deaf ears at chase. 

No-one seems to care enough to prevent what will ultimately result in my being unable to have the basic necessities such as a roof over my head and food to live in XXXXdays. As a XXXX senior citizen, I am frantic and riddled with anxiety as I write this. 

I have all emails and letters that I can submit if necessary. I have attached XXXX document showing SS will be withholding my monthly XXXX benefit effective XX/XX/24