Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2017 a family member and I went to a Chase bank XXXX, AZ XXXX for assistance. We asked how we could deposit a check in my name, into a family member 's account. We both provided our AZ driver 's licenses. The teller asked me to sign the back of the check. She placed the check in my family member 's account and stated there would be a 3 day hold. When my family member asked why she simply replied you will need to see a banking specialist. 
We signed in and awaited " XXXX ''. My family member asked why a local check should take 3 days to clear. XXXX thought it could be because it was considered a 3rd party check. Family asked XXXX to lift the 3 day hold so she could pay her Chase bank credit card off. XXXX stated she 'd try but it must at a minimum be on hold for 24 hours.. 
My family member called the branch after the 3rd day which was Friday. A manager by the name of XXXX ( Branch manager ) answered and said he knew all about this situation. His dialogue with her is where the real trouble began. We do not think what he pulled was ethical or legal for that matter. 
XXXX, as if showing off for XXXX became argumentative with my family member. She could hear a series of clicks and odd conversations that led her to believe that only part of the conversation ( the professional side ) was recorded and the part that he did not want recorded may possibly be on a personal cell phone. 
At one point he stated " We 'll fix you right up! '' as if a threat. He told her that not only would they put a 3 day hold on her check they would place a 10 day hold on her check. Shocked- family said that was totally unnecessary and asked why. He continued to badger her and rudely/abruptly questioned as if an interrogation-Well what do you need the funds for anyway? What are you doing with the money? She thought this questioning to be antagonistic and completely out of line without an official need to know. Then he insisted that the bank was an out of state bank. She informed him that XXXX was an Arizona bank. She found this shocking that an Arizona branch manager did not even know the city of XXXX was located in Arizona. Family telephoned " XXXX '' from XXXX which drafted the check. XXXX informed XXXX that the check had already been funded on their end and there was no need to further hold it. She too, informed him the bank was located in AZ and both of the persons involved in this transaction were known to her and family. 
XXXX faxed over a copy of the actual check and again assured him that the check should be released-it had been funded. 
XXXX defiantly refused to release the funds. We went to the Chase bank located at XXXX. XXXX, manager and XXXX ( Asst manager ) immediately assisted us. We explained what had occurred. Both began verifying what we told them. Our AZ DL 's were again produced. Both attempted to find out why there was a 10 day hold. We think they called XXXX personally. They returned. I was asked what the reason for the funds were. I explained I sold a mobile home that my family had advanced me funds to purchase. I was simply returning money loaned to me. XXXX called a corporate branch and requested the hold be lifted. This employee asked to speak with me. I verified my identity, stated I wanted to release the funds to my family member. The funds were released. When we then went to eat out, my family attempted to use her Chase debit card and to her shock, XXXX had cancelled the card. We returned to the XXXX branch and a new card was given to family. What if she needed emergency care or tow? This was vindictive. Discrimination against a senior. We are shocked and outraged that this kind of abuse of authority lies within the hands of a manager such as XXXX. He placed several holds on the check which were not warranted.