Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On Thursday, XXXX XXXX XXXX I deposited a check for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1500.00} ) into my Chase Bank account ending in XXXX by means of the provided mobile deposit feature. This was an insurance check sent by XXXX, a subsidiary of XXXX XXXX XXXX, who have been notified of this incident and are actively investigating. The check cleared two days after it was submitted, on Saturday, XXXX XXXX XXXX, allegedly for the aforementioned amount. I received a notification to this effect and was told to void and retain the check for my records, which I have done. 

However, upon further review, Chase Bank cleared the check for XXXX XXXX XXXX XXXX XXXX ( {$5000.00} ) instead, far more than it was submitted for. Furthermore, Chase Bank has provided an alleged scan of the check that I submitted. This scan has, even to my untrained eyes, been altered, with clear signs of tampering on the amount line and the asterisks. It is a sloppy, but reasonably convincing, forgery that could easily be missed due to the low quality of XXXX images. 

The actual transactions, the ones authorized by me, were for the same total amount, but were two distinct transactions. XXXX was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1500.00} ) via the aforementioned check, and the other was a separate transaction for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ) borrowed from a third party. 

Chase Bank appears to have conflated, confused, or otherwise made a mistake with the nature of these two transactions, but this does not explain the forgery committed after the check cleared XXXX review, nor does it explain where the latter transaction went when it was sent. It appears to have been returned to the sender, or perhaps never left their account, which is a positive outcome, but there is no explanation for why it was folded into the forged check. 

I still retain the original check, which, though voided, is intact and has been verified by the issuer, and have made multiple attempts to rectify this situation with Chase Bank, including an in-person visit to explain the issue and attempt to resolve it. However, all attempts at correction or rectification were refused, and Chase Bank has since closed the account with accusations of fraud. The agent to whom I spoke was short and terse, saying only that " Chase Bank believes this was an act of fraud. '' They will not acknowledge the reality that the scan of the check was altered after it cleared XXXX review, as the original is objectively and provably unaltered. 

Chase bank appears to maintain a policy of " Delay, Deny, Defend, '' in the hopes of frightening, wearing out, or otherwise silencing clients who are victims of such criminal activity. 

I have attached to this message the scan of the altered check that Chase sent me, as well as a copy of the original, valid check that I still retain, since voided. On the altered check, I would draw specific attention to the asterisks following the numerical value, which blend together awkwardly, as well as the slight waver of the line in the middle and the occasional extra pixel on the altered numbers. 

If you need more information, clarification, or need to provide further instructions, please do not hesitate to contact me at XXXX or XXXX. 

I appreciate all that this agency, and those like it, do to protect consumers from criminal activity by large and powerful financial institutions. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation