Consumer complaint received 2022-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Weds XXXX XXXX XXXX Received a business check to pay for a puppy & for a flight nanny to XXXX XXXX. I deposited the check into my business acct. Chase sent me the normal split portion of check is available & the rest on hold Thurs ALL money showed as available to me both present & available balance show ALL in my acct. Called Chase Customer Service XXXX & XXXX to verify money was in there & that it cant be pulled back out. I was selling product to this person that wrote the check & I needed to verify I can hand over product & check cant be pulled back. I discussed in detail w/ customer service & she informed me money is all in my acct & available to me. I asked her to place me on hold & verify. She came back & said I was good. Money is all in there for my use. I asked SEVERAL times at XXXX After her reassurance that check is fully deposited & ready for my use. I XXXX the money over to the Flight Nanny XXXX XXXX Fri My acct showed check was returned. I already XXXX the money per Customer Service. They both were wrong & Im out {$1000.00}. I text the person buying XXXX XXXX at XXXX & I tried calling at XXXX Received no response. Reached out to the Company on the check XXXX XXXX XXXX. XXXX at XXXX at XXXX. Mrs answered & I ask her about purchasing a puppy. She said not them & that this is the 3rd time she has received a call like this. They have since closed the acct & reopened a new one. XXXX XXXX is XXXX XXXX XXXX. His listed # XXXX & address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ca XXXX.Called Customer Service again XXXX at XXXX & XXXX than I was told nothing they can do. Went into my branch at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX Went over everything w/ him & turned the claim into XXXX XXXX But the XXXX Chase Rep said this is very difficult even though the XXXX transaction still said pending. The banker said there was nothing else they could do. He basically said the claim is really for XXXX to document & flag the email & the name of the person. XXXX XXXX & XXXXXXXX XXXX XXXX XXXXXXXX claim # via Chase # XXXX & their # XXXX Sun XXXX Buyer text me HELLO. I text back Hello & asked him if he was XXXX, XXXX or XXXX. I sent him a screen shot of the forged check the bank sent me. I informed him that I turned this scam into my bank, his bank, XXXX & my local police. He went dark again. Not 10 min. later XXXX to XXXX a new text came in saying he is XXXX the guy that purchased my puppy XXXX. Started feeding me lies about how someone scammed him & if I still had his {$1700.00}. I told him his check was a forgery. I have none of his money & that I am out {$1000.00} for his flight nanny Mon XXXX Walked into my local Police Station XXXX XXXX XXXX Police Station XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Sat w/ XXXX XXXX XXXX . Went over what happened & gave her the pertinent information : XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX & a new # XXXX. Fraud claim # XXXX. Once I was back home she asked that I email her screen shots of the back & forth from both # s to XXXX Spoke w/ Customer Service XXXX, XXXX & XXXX at XXXX, XXXX, XXXX, XXXX & XXXX for 1 hour & 20 min speaking w/ : XXXX Intake XXXX XXXX XXXX Acct XXXX, XXXX Acct Manager, XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Called XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Manager XXXX to inform them about someone forging checks from their bank. Walked into this bank & let them copy the forged check for their records Weds Called XXXX Claims for an update & she said the reason to open a claim is not to get my money back but for them to document & flag the email & the phone # for their records. I should get an update from their side in about 45 days XXXX XXXX Received a call from XXXX, a Chase Executive in charge of expediting complaints. She called from XXXX XXXX. She said she just received my file & will be going over it the next couple days & would get back w/ me