Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
I opened my Total Checking Chase Account online XX/XX/XXXX. We changed over the direct deposit info on our 2 forms of income ( SSDI, and VA Disability ) and deposited a check for {$990.00} made out to XXXX XXXX XXXX XXXX  which is my very very small income XXXX XXXX XXXX. I do XXXX XXXX  out of my home for XXXX XXXX XXXX. I used my social security # for any money generated from XXXX XXXX XXXX which was very minimal. Recently, XXXX XXXX ( owner ), sold his business in XXXX, NC so income was to increase and I applied for a XXXX on XX/XX/XXXX, which is required in NC. 
XXXX wrote a check on XX/XX/XXXX for {$990.00} to XXXX XXXX XXXX XXXXXXXX ( me ) for work done during the XXXX XXXX XXXX XXXX He failed to put my name in the memo portion- XXXX never had an issue with depositing the XXXX XXXX XXXX checks into our personal account so it never occurred to me that I needed a business account as this is not what pays the bills etc. Anyway, the check was deposited on XX/XX/XXXX, cleared at XXXX bank XXXX XXXX  XXXX XXXX ) on XX/XX/XXXX and Chase verified this check on XX/XX/XXXX. However, they put a hold on my account until the check was verified EVEN though it was already verified per XXXX. The writer of the check, XXXX XXXX, said the money was removed from his account on XX/XX/XXXX. The restriction was to be removed from the account as long as I brought in a XXXX to a local branch. I did exactly as I was asked to do which was bring in a XXXX w/ ANYTHING DATED PRIOR TO XX/XX/XXXX showing my name with XXXX XXXX  XXXX Performance such as invoices. I brought in the requested paperwork on XX/XX/XXXX in which they faxed to " the back office ''. The banker who assisted me faxed my XXXX and an invoice dated I opened my Total Checking Chase Account online XX/XX/XXXX. We changed over the direct deposit info on our 2 forms of income ( SSDI, and VA Disability ) and deposited a check for {$990.00} made out to XXXX XXXX XXXX XXXX  which is a very very XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I used my social security # for any money generated from XXXX XXXX XXXX which was very minimal. Recently, XXXX XXXX ( owner ), sold his business in XXXX, NC so income was to increase and I applied for a XXXX on XX/XX/XXXX, which is required in NC. 
XXXX wrote a check for {$990.00} to XXXX XXXX XXXX XXXXXXXX ( me ) for work done during the sale of his shop. He failed to put my name in the memo portion- XXXX never had an issue with depositing the XXXX XXXX  XXXX checks into our nersonal account so it never occurred to me that needed a business account as this is not what pays the bills etc. Anyway, the check was deposited on XX/XX/XXXX cleared at XXXX bank, XXXX  XXXX XXXX, on XX/XX/XXXX and Chase verified this check on XX/XX/XXXX. However, they put a hold on my account until the check was verified EVEN though it was already verified per BOA. The writer of the check, XXXX XXXX, said the money was removed from his account on XX/XX/XXXX. The restriction was to be removed from the account as long as I brought in requested paperwork to a local branch. I did exactly as I was asked to do which was bring in a XXXX w/ ANYTHING DATED PRIOR TO XX/XX/XXXX showing my name with XXXX XXXX XXXX XXXX  such as invoices. I brought in the requested paperwork on XX/XX/XXXX, in which they faxed to " the back office ''. The banker who assisted me faxed my XXXX and an invoice dated XX/XX/XXXX. He then told me to wait XXXX to call the " back office '' to have them release the hold. I called on XX/XX/XXXX left my number to be called back and an hour later at XXXX Chase XXXX and I was spoken to rudely, and hung up on. So I do the same thing again and an hour later speak to someone else. He is XXXX help either and tells me that I needed paperwork dated after XX/XX/XXXX showing my name w/ the business name - THE XXXX  XXXX that! The " back office '' stated if I wanted to close my account that I could stop by a branch after the holiday and get a check for our VA Direct Deposit of $ XXXX that went in on XX/XX/XXXX but not the {$990.00} because they need to verify the check ( which they did on XX/XX/XXXX )! So on XX/XX/XXXX I went to the XXXX  XXXX NC branch to close my account. I checked my account before I left and the account was still open. By the time I got there the account was closed and they stated there's nothing they can do! They told me to call the " back office '' to find out where my money is! So I call the " back office '' AGAIN on XX/XX/XXXX for them to contradict what the branch told me would occur. They then stated they had to verify both the direct deposit and the check!!!!! I'm my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  so our income is limited as it is! So essentially we haven't been paid this month because of Chase Bank and their shady practices. At this point I've spoken to these people 5x by phone and 3 different visits to 3 different branches ( XXXX, NC, XXXX, NC XXXX XXXX, NC XXXX  XXXX ) - it can not be legal for them to do this to people!!!! They need to give back our money that they've STOLEN.

Company response to consumer: Closed with explanation