Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I mobile deposited a check into my checking account with Chase Bank. My supposed best friend said they could help me with some money to pay a past due bill I had, and they wrote me a check for {$800.00}. They said it was from a valid bank account in their name and with their information connected to this account. Well, because they have never done anything to make me question their actions, I trusted my " friends ''. They gave me no reason to not trust them. So I deposited the check into my bank account via quick deposit mobile deposit, since I had covid and wasn't able to leave my home. Chase Bank notified me that they were placing a hold on the check to verify the account and attempt to collect the funds from the paying bank before they would release the funds from the check into my account to be used. It was a couple days of being held, then my bank released the {$800.00} for me to use. At this time, because of the prior notice by Chase bank saying they were checking the validity of the account on the check and to collect the money, I had no reason not to believe Chase bank was going to do anything other than what they notified me they were doing. Since they released the funds of the check, I assumed Chase bank cleared and verified the check was good and that they successfully collected the money. So I withdrew the money from my account. So far so good. But then 3 days after that, Chase Bank didn't notify me when it happened, but the check was returned and the account on the check was found to be fraudulent. This made my checking account go negative the amount of the check, which was {$800.00}. I called the bank to ask them why my account was negative and they told me it was a bad check and I had withdrew the money from my account already, and since Chase bank couldn't get the money on the check, they told me they are not responsible for the money, that I should contact the person who wrote the check. I confronted my so called best friend and they didn't deny knowing the check was fraudulent and then stopped responding to me. I still have not been able to find them, they very well might have blocked my number or even changed their phone number and haven't gone back to the address they were known to stay at. So I don't know where they are, can't resolve this issue with them, basically they went into hiding so they wouldn't get in trouble for writing me a bad check as well as them committing identity theft. So I called the bank back and they said there is nothing they can do. They would not submit a claim to investigate and put the money back into my bank account to cover the fraudulent check of {$800.00}. Told me they couldn't do anything and that I should contact law enforcement to see what they could do to help catch the criminals that conned me and conducted illegal things and let me take the fall for their misbehaviors. So I called the police and made a report about what happened and they told me there was nothing they could do either. I just don't think it's fair that Chase bank gave me information regarding that check, but did something else, there by being dishonest and misinformative. And due to their incorrect information they provided to me, my account went negative and they are making me put the money back into my account. Had I been correctly informed by Chase bank about their activity in my account, I would have never withdrew that money ( {$800.00} ) no one will help me. I have a police report number for XXXX police department, which is XXXX. The transactions connected to this issue are for a mobile deposit of {$800.00}, an atm withdrawal of {$800.00}, and the deposited item returned, debiting my checking account {$800.00}. I will enclose screenshots of my account where the bank notified me of their supposed actions regarding that deposit, transaction information, check information, and all related transactions and notification information attached to the transactions and account.