Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

I received a check from a local attorney 's office for a real estate transaction that had closed. The amount of the check was {$45000.00} and was written on XX/XX/year>2024 ( check # XXXX ). Once I received the check in the mail, I took it into my local Chase Bank brank and deposited the check into my checking account on XXXX/2024. I received a notification from Chase that there was going to be a XXXX-day hold as there were some " issues '' that they needed to clarify regarding the check. This didn't seem strange as this is a newer account, and it was a fairly large deposit. On XX/XX/year>2024 at XXXX XXXX, I received a text and email from Chase Bank 's fraud department. The text stated that they needed more information about my Chase checking account and to continue using the account, I had to call them, or my account would be closed soon. The email stated that to protect against fraud, they restricted and may need to close my checking account soon. It also stated that I would not be able to log into my Chase Mobile App while the account was restricted. However, I have been able to log into the Chase Mobile App everyday -- even though my account is restricted. I forwarded the Chase fraud email to my local chase bank representative as I was traveling that day and didn't even see the email/text from Chase until I was already at the airport. I asked her to look into it and let me know if she could help me with the matter. On XXXX/2024, all she emailed to tell me what that Chase wasn't saying the check wasn't good but there was a question of the check itself. She said she was getting her XXXX involved as well. On XX/XX/scrub>XXXX2024, the deposit that had been on a XXXX-day hold was disbursed into my account, as Chase said it would be. I thought maybe all was okay? It wasn't until XX/XX/year>2024, when I received notice at XXXX XXXX  that a XXXX XXXXs XXXX rent payment sent via XXXX to my checking account was rejected and that my account was not okay, despite the deposit being disbursed on XXXX/2024. I called Chase on XX/XX/year>2024 and was routed to the fraud department. The representative was not kind and treated me as if I had done something wrong. Asking me things like, was I given permission to deposit the check? He told me that he needed to speak to someone at the attorney 's office to ask about the check. When you call this attorney 's office you are prompted to hit the buttons for who you want to speak to. Apparently, this Chase XXXX  wasn't willing to follow prompts and just wanted someone to answer the phone. On the afternoon of XXXX2024, I spoke with someone at the attorney 's office, and she said if Chase would call between XXXX XXXX  and XXXX XXXX  on Wednesday, XXXX/2024 she would just answer the phone ( so Chase could avoid the prompts ). I spoke with the local bank manager on the morning of Tuesday, XXXX2024, and she apologized and said she was doing what she could to escalate this so we could get it worked out. I told her to call or have the proper person at Chase call the attorney 's office on Wednesday, XXXX/2024 between XXXX XXXX  and XXXX XXXX  and she said she would keep me updated. To my knowledge, no one at Chase contacted the attorney 's office. I also have called my local bank at least once every day and leave voicemails that go ignored as I haven't heard from anyone at Chase since Tuesday morning ( XX/XX/scrub>/2024 ). I have not gotten any answers as to why Chase disbursed the funds from the check they still have questions about and then why they turned around and froze ALL the money in my account. Chase Bank has over {$100000.00} of my money restricted/frozen and this has been going on since at least XX/XX/year>2024. I am writing this complaint in hopes to get this situation resolved and have access to my hard-earned money.