Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I had received a check from a friend and his father i deposited it and waited the XXXX full days for it to clear even though i had deposited numerous checks and always cleared immediately so i deposited it and waited and it was cleared after the bank spoke with the originater of the check. XXXX weeks later i was given another check which had or on it for me and another old customer of the bank that i was cashing it thru Chase. They put a hold on MY WHOLE ACCOUNT WITH XXXX $ IN IT for what reason is not known as they they had already cleared the previous check and spoke witht the father the originator of othe check so they said that he would need to verify who he was since he is on the check as well. i explained that he did not have id i wasnt sure why he was on the check and they called the father to confirm this, the father was confused asking what was going on and just to cash it, as his son was on the other line with him trying to explain what the bank was saying so he told them its fine he approves and to cash it or give it back to me and we will o elsewhere to cash it.They proceeded to tell us that we would need to verify the second name on the check and this is a chase customer that year as well just had closed his accoount so they have his information alreadyy in the system, but they REFUSED TO RELEASE MY ACCOUNT OF {$1000.00} THAT WAS IN THERE BEFORE THIS CHECK AND ALREADY CLEARED i explained that i am a single mother in the mountains and almost XXXX and that i will have no heat as XXXX constantly turns off my power when it snows we will freezee and not be able to go anywwhere withouut being able to buy gas and they had no right to hold my money that had nothing to do with this check and to hold this check like they are and release my money this is theft. So we got a phone in his name taking my cash doen to almost nothing that they could use to verify him and releaase the fundss as they had already spoke with his fther and the only thing holding it uup was his verification. Only this was a XXXX prepaid and they said because of that it wouldnt work because it doesnt say his name!!! Now i am barely going to be able to get back to town with our money let alone buy the presents and food for XXXX but i was assured that one from XXXX would work as it is a actual acct So we went and purchased a second phone for him as him getting a id would take XXXX week min to get anyways we call in and now it has been a week or so are told that his name doesnt show still so wasted more money and time and gas as i live all alone in the mountains with my children and XXXX is important to us and with XXXX fast approaching. 
But the real problem is that they were not just holding my check they STOLE and held hostage money i had in the account already previoous to this literally causing my kids to lose XXXX. They also said that i had a time limit to do this or the check would be cancelled which we took as no longer good. They refused to let me have access to my money and i think had even at one point offered to give me half of my own money, that is stealing and they are the ones i am supposed to trust with my money i cried and explained the situation to every mgr i couold all with the same answer that theyy couuoldnt do anything then they say that they are clsong ny account because of this and the fact that someone in georgia got into my account how tht is my fault i live in friggin california but on that last day i speak with a mgr who realizes the other signer on the check was an old customer and verifies him with threee questions and clears it AFTER ALL THAT AND MY KIDS HAVING TO MISS XXXX. 
Then they mail a check with the bottom half missing and taking it to chase bank in redding ca they were not going to cash it even tho i hav proper id and its their fault i sat there for two hours until they realized they could still see the numberes and cleared it for me to casg the mgr there wwas awesome finally someone with a brain This is not allowed and i looked uup the laws while dealing with this if they had thought some stupid crap after talking to the dad FOUR TIMES they can put that check in a seperaate account and freeze that but they can not restrict me from money already mine and clearred in that account,, and had spoke to the father numerous times at their own suggestion and times to where they knew they were talking to him and still held my money from previous transaction hostage and ruined and put us in a bad situation almost lost ouur lives in the freezing with no food luckily a neighbor stepped in I had this accouont for years and they closed it and have since ASKED ME FOR MONEY FOR SOMETHING AS IF I OWE THEM ARE YOU SERIOUS!!!

Company response to consumer: Closed with explanation